GEICO leads Georgia with the lowest rates, charging $40 monthly for minimum coverage and $101 for full coverage. You'll save $40 monthly (36%) compared to state averages. Get quotes from Auto-Owners, Central, Progressive and Mercury too.
Cheapest Car Insurance in Georgia
Updated: August 19, 2025
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Key Takeaways
GEICO, Auto-Owners and Central Insurance are the cheapest car insurance companies for most Georgia drivers, with average savings of up to 36%.
Car insurance costs can be as low as $29 for minimum coverage and $69 for full coverage policies on average in Georgia.
To get the cheapest car insurance in Georgia, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Georgia?
| Geico | $40 | $101 | -36% |
| Auto Owners | $43 | $104 | -34% |
| Central Insurance | $57 | $129 | -16% |
| Progressive | $61 | $128 | -14% |
| Mercury Insurance | $72 | $136 | -6% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN GEORGIA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Georgia:
Best Car Insurance Rates by Category in Georgia
GEICO offers the cheapest rates in four out of our 10 driver categories, including adult drivers and seniors. Auto-Owners matches this performance by providing the lowest rates in four other categories. Find your specific rates in the table:
| Young Drivers | Auto Owners | $117 |
| Adult Drivers | Geico | $42 |
| Senior Drivers | Geico | $49 |
| Drivers With An Accident | Central Insurance | $57 |
| Drivers With A DUI | Auto Owners | $88 |
| Drivers With A Speeding Ticket | Auto Owners | $48 |
| Drivers With Bad Credit | Safeway Insurance | $85 |
| Drivers With Low Income | Geico | $55 |
| Drivers With Newer Cars | Geico | $44 |
| Drivers With Old Cars | Auto Owners | $34 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Georgia for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Country Financial offers the lowest rates at $164 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Central Insurance | $168 | $2,014 | -43% |
| Auto Owners | $250 | $3,000 | -15% |
| Geico | $210 | $2,521 | -29% |
| Safeway Insurance | $177 | $2,128 | -40% |
| Country Financial | $164 | $1,962 | -45% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Georgia by City
Where you live in Georgia affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $29 in Moody AFB but Auto-Owners charges $66 in McDonough. Here are the cheapest providers for every Georgia city.
Data filtered by:Results filtered by:
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City:Abbeville
| Abbeville | Auto Owners | $41 | -29% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Georgia By Driver Age Group
We analyzed car insurance rates across Georgia for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Auto-Owners, starting at $117 per month
- Adult drivers find the best deals with GEICO, with rates from $42 per month
- Senior drivers see the most affordable coverage through GEICO, beginning at $49 per month
Cheapest Car Insurance For Young Drivers in Georgia
Young drivers in Georgia get their best rates from Auto-Owners. Minimum coverage costs $117 per month, saving drivers 46% compared to other providers. Auto-Owners also leads for full coverage at $224 monthly, saving young drivers 41%.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Central Insurance | $324 | $3,893 | -62% |
| Auto Owners | $558 | $6,701 | -34% |
| Geico | $575 | $6,903 | -32% |
| Country Financial | $317 | $3,809 | -62% |
| Safeway Insurance | $513 | $6,158 | -39% |
Cheapest Car Insurance For Adult Drivers in Georgia
GEICO offers Georgia's lowest rates for adult drivers: $42 monthly for minimum coverage and $101 for full coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Central Insurance | $168 | $2,014 | -43% |
| Auto Owners | $250 | $3,000 | -15% |
| Geico | $210 | $2,521 | -29% |
| Safeway Insurance | $177 | $2,128 | -40% |
| Country Financial | $164 | $1,962 | -45% |
Cheapest Car Insurance For Senior Drivers in Georgia
GEICO offers Georgia seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,369 annually, while minimum coverage runs $583 per year.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Central Insurance | $270 | $3,236 | -35% |
| Geico | $237 | $2,844 | -43% |
| Auto Owners | $371 | $4,457 | -10% |
| Country Financial | $183 | $2,201 | -56% |
| Safeway Insurance | $294 | $3,525 | -29% |
Cheapest Car Insurance For High-Risk Drivers in Georgia
We studied four core areas for profiles insurers consider particularly high-risk in Georgia including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Safeway (From $85/mo)
- Cheapest With a DUI: Auto-Owners (From $88/mo)
- Cheapest With an Accident: Central Insurance (From $57/mo)
- Cheapest With a Speeding Ticket: Auto-Owners (From $48/mo)
Cheapest Car Insurance For Bad Credit in Georgia
Safeway offers Georgia drivers with bad credit the most affordable car insurance rates. Annual premiums start at $1,020 for minimum coverage and $2,028 for full coverage policies.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Central Insurance | $209 | $2,513 | -46% |
| Safeway Insurance | $177 | $2,128 | -54% |
| Auto Owners | $335 | $4,017 | -13% |
| Geico | $259 | $3,112 | -33% |
| Country Financial | $218 | $2,610 | -43% |
Cheapest Car Insurance With a DUI in Georgia
Auto-Owners ranks as the most affordable option for Georgia drivers with DUIs, offering annual rates of $1,128. Progressive provides the next best value with premiums of $1,147 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
Select
Credit Alignment:Below Fair
| Auto Owners | $332 | $3,978 | -21% |
| Central Insurance | $355 | $4,259 | -16% |
| Allstate | $293 | $3,515 | -30% |
| Safeway Insurance | $188 | $2,257 | -55% |
| Country Financial | $167 | $2,001 | -60% |
Cheapest Car Insurance With an Accident in Georgia
Georgia drivers with an accident on their record can find the most affordable coverage through Central at $59 per month ($711 annually).
Data filtered by:Results filtered by:
Select
Age Group :Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Central Insurance | $168 | $2,014 | -43% |
| Auto Owners | $250 | $3,000 | -15% |
| Geico | $210 | $2,521 | -29% |
| Safeway Insurance | $177 | $2,128 | -40% |
| Country Financial | $164 | $1,962 | -45% |
Cheapest Car Insurance With an Speeding Ticket
Georgia drivers with speeding tickets can find the lowest rates through Auto-Owners. The provider offers minimum coverage at $617 per year, while full coverage costs $1,380 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Auto Owners | $194 | $2,323 | -22% |
| Geico | $173 | $2,080 | -30% |
| Safeway Insurance | $151 | $1,817 | -39% |
| Country Financial | $145 | $1,743 | -41% |
| Donegal Insurance | $218 | $2,613 | -12% |
How to Get the Cheapest Car Insurance in Georgia
Finding the most affordable insurance companies is just the first step to reducing your car insurance costs in Georgia. Our experts have identified proven ways to save the most on auto insurance.
- 1
Compare multiple providers through various means
Get quotes from multiple companies through different channels: directly from insurers, independent agents and comparison sites. Your rates can vary widely depending on how you get quotes, so try all these options.
- 2
Decide on your coverage needs before buying
Figure out what coverage you need before you shop. This helps you avoid paying for extras you don't need while getting enough financial protection.
- 3
Choose to get a lower coverage amount if appropriate
If you're trying to cut costs, you can lower your coverage levels and raise your deductibles. First check your finances, how much you drive and what your car's worth to make sure this makes sense.
- 4
Research costs and take advantage of discounts
Look up average costs for drivers like you so you know what's normal. Check what discounts you qualify for and see if bundling home and auto insurance saves you money.
- 5
Consider auto insurance alternatives
If you don't drive much, check out pay-per-mile insurance or telematics programs that track your driving. These options can save you money compared to regular policies.
- 6
Improve your risk profile
Improve your credit score and keep a clean driving record. Better credit and safe driving usually mean lower rates over time.
- 7
Get a cheaper car to insure
If you're buying a car, pick one that's cheaper to insure. Older, reliable cars usually cost less for insurance and repairs than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Georgia
Georgia's minimum required coverage follows a 25/50/25 liability structure. This means drivers must carry $25,000 for bodily injury liability per person, $50,000 total injury coverage per accident and $25,000 for property damage liability. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Georgia, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Georgia gets hit with severe weather that damages cars regularly. National Centers for Environmental Information data shows significant weather-related vehicle damage in 2023. Basic coverage won't pay for storm damage. Add comprehensive coverage to protect against floods, tornadoes and hail damage.
Bodily injury damage is more likely to exceed minimum limits
Georgia's $25,000 minimum bodily injury coverage often isn't enough. The Insurance Information Institute reports average bodily injury claims in Georgia reached $22,734 in 2023, dangerously close to the minimum limit. Rising medical costs mean you could face major out-of-pocket expenses. Consider increasing coverage to at least 50/100/50 for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Georgia has a serious uninsured driver problem, with 12.4% of drivers lacking insurance. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Georgia, according to National Insurance Crime Bureau statistics, with Atlanta particularly vulnerable. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Georgia: Bottom Line
GEICO offers the lowest car insurance rates in Georgia for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Georgia: FAQ
Below, our insurance experts answer common questions about finding affordable car insurance coverage in Georgia.
What are the cheapest car insurance companies in Georgia?
GEICO leads Georgia's insurance market with annual rates of $482 for minimum coverage and $1,218 for full coverage. Auto-Owners, Central, Progressive and Mercury Insurance also provide competitive rates.
Who has the cheapest car insurance rates for young drivers in Georgia?
Auto Owners provides the best rates for young drivers in Georgia, with monthly premiums averaging $117.
Who offers the cheapest car insurance rates for seniors in Georgia?
Senior drivers in Georgia can find excellent rates with GEICO, which offers policies for those aged 65 and up starting at $49 per month.
Who has the cheapest car insurance in Georgia for bad credit?
Safeway provides the lowest rates for bad-credit drivers in Georgia, with monthly premiums averaging $85 for minimum coverage and $143 for full coverage.
Who has the cheapest car insurance in Georgia with an accident?
Central Insurance offers the lowest rates for drivers with accident records in Georgia, starting at $57 per month for minimum coverage.
Who has the cheapest car insurance in Georgia with a DUI?
Auto-Owners provides the cheapest car insurance after a DUI in Georgia. Monthly rates start at $88 for minimum coverage and $196 for full coverage.
Who has the cheapest car insurance in Georgia for those with a speeding ticket?
After getting a speeding ticket, Auto Owners provides the lowest rates in Georgia: $48 monthly for minimum coverage and $115 for full coverage.
Should you buy the cheapest car insurance in Georgia?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Georgia.
How We Found the Most Affordable Car Insurance in Georgia
MoneyGeek collected auto insurance data from the Georgia Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Georgia.
Georgia Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Georgia
We compared car insurance companies in Georgia that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Georgia.
The minimum coverage liability limits in Georgia are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 19, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 19, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 19, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 19, 2025.