Cheap Full Coverage Car Insurance in Georgia

Auto-Owners offers the cheapest full coverage car insurance in Georgia at $100 per month — 28% below the Georgia state average of $138 per month for a clean-record adult driver with good credit.

Written by Mark Fitzpatrick

Updated: March 27, 2026

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Key Takeaways

Auto-Owners offers the cheapest full coverage car insurance in Georgia at $100 per month ($1,201 per year) for an adult male with a clean record and good credit, 28% below the Georgia state average of $138 per month.

$138 per month ($1,657 per year) is the Georgia state average for full coverage with a $1,000 deductible for an adult male with a clean record and good credit.

Cheapest Full Coverage Car Insurance Companies in Georgia

Auto-Owners has the cheapest full coverage car insurance in Georgia at $100 per month ($1,201 per year) for an adult male with a clean record and good credit. Georgia's market includes several regional providers (COUNTRY Financial, Central Insurance, Safeway and Donegal) that price competitively alongside national brands. State Farm, which ranks as a cheap option in many states, is the most expensive provider in Georgia at $2,306 per year.

The table below shows full coverage rates for 100/300/100 liability limits with a $1,000 deductible for an adult male with good credit and a clean record. Read about the cheapest car insurance in Georgia to see rates for other coverage levels, or the best car insurance in Georgia if you're seeking a balance of quality and coverage.

Provider	Monthly Premium	Annual Premium
Auto-Owners	$100	$1,201
GEICO	$101	$1,214
Progressive	$124	$1,492
COUNTRY Financial	$126	$1,517
Central Insurance	$133	$1,596
Mercury Insurance	$136	$1,627
Safeway Insurance	$139	$1,673
Donegal Insurance	$142	$1,706
Allstate	$152	$1,829
Farmers	$172	$2,062
State Farm	$192	$2,306

Cheap Full Coverage Car Insurance in Georgia by Age

Full coverage rates in Georgia shift sharply by age group. Young drivers pay $4,512 per year on average, adult drivers pay $1,657 per year and senior drivers pay $2,493 per year. Auto-Owners holds the lead for young drivers at $2,683 per year, while GEICO is the cheapest for seniors at $1,369 per year. MoneyGeek's analysis of car insurance rates by age breaks down how premiums shift across all age brackets.

Cheapest Full Coverage for Young Drivers in Georgia

Auto-Owners has the lowest full coverage rate for young drivers in Georgia at $224 per month ($2,683 per year). COUNTRY Financial and Central Insurance are also affordable options, both staying under $260 per month for young drivers. Cheap car insurance for teen drivers covers strategies for reducing young-driver premiums.

Provider	Monthly Premium	Annual Premium
Auto-Owners	$224	$2,683
COUNTRY Financial	$245	$2,945
Central Insurance	$257	$3,085
GEICO	$277	$3,324
Allstate	$354	$4,248
Safeway Insurance	$404	$4,843
Progressive	$440	$5,281
Donegal Insurance	$451	$5,406
State Farm	$457	$5,487
Mercury Insurance	$504	$6,053
Farmers	$523	$6,272

Cheapest Full Coverage for Senior Drivers in Georgia

GEICO has the lowest full coverage rate for senior drivers in Georgia at $114 per month ($1,369 per year), showing that it pays to shop between insurers as you age in your sixties and seventies as the cheapest option may change.

Provider	Monthly Premium	Annual Premium
GEICO	$114	$1,369
COUNTRY Financial	$142	$1,701
Auto-Owners	$149	$1,785
Farmers	$190	$2,276
Progressive	$204	$2,449
Central Insurance	$214	$2,564
Allstate	$215	$2,577
Mercury Insurance	$215	$2,584
Donegal Insurance	$218	$2,611
State Farm	$228	$2,730
Safeway Insurance	$231	$2,773

Cheap Full Coverage Car Insurance in Georgia for High-Risk Drivers

Driving violations raise full coverage rates in Georgia depending on the severity of the violation: a speeding ticket adds $351 per year on average, an at-fault accident adds $723 per year and a DUI adds $1,751 per year. Auto-Owners is the cheapest for those with a ticket, Central Insurance is cheapest for those with an accident and COUNTRY Financial is cheapest for those with a DUI.

Georgia requires SR-22 filing after a DUI conviction. High-risk car insurance in Georgia covers options for drivers with violations on record.

Cheapest Full Coverage in Georgia With a Speeding Ticket

Auto-Owners has the lowest post-speeding-ticket full coverage rate in Georgia at $111 per month ($1,330 per year).

Provider	Monthly Premium	Annual Premium
Auto-Owners	$111	$1,330
GEICO	$121	$1,450
Donegal Insurance	$142	$1,706
Safeway Insurance	$148	$1,773
COUNTRY Financial	$156	$1,868
Progressive	$160	$1,923
Allstate	$171	$2,048
Central Insurance	$173	$2,077
State Farm	$205	$2,458
Mercury Insurance	$207	$2,490
Farmers	$247	$2,969

Cheapest Full Coverage in Georgia After an At-Fault Accident

Central Insurance has the lowest full coverage rate in Georgia after an at-fault accident at $133 per month ($1,596 per year), the same as its clean-record rate, meaning no surcharge applied. MoneyGeek's analysis of how much rates go up after an accident explains how and why car insurance rates are affected by this type of violation.

Provider	Monthly Premium	Annual Premium
Central Insurance	$133	$1,596
Auto-Owners	$143	$1,717
GEICO	$146	$1,757
Donegal Insurance	$172	$2,060
Safeway Insurance	$173	$2,076
COUNTRY Financial	$175	$2,102
Allstate	$203	$2,438
State Farm	$221	$2,650
Progressive	$245	$2,946
Farmers	$269	$3,234
Mercury Insurance	$300	$3,598

Cheapest Full Coverage in Georgia After a DUI

COUNTRY Financial has the lowest full coverage rate in Georgia after a DUI at $179 per month ($2,143 per year).

Georgia requires SR-22 filing after a DUI conviction. Georgia DUI car insurance covers reinstatement steps, and SR-22 car insurance in Georgia explains filing requirements.

Provider	Monthly Premium	Annual Premium
COUNTRY Financial	$179	$2,143
Safeway Insurance	$184	$2,202
Auto-Owners	$190	$2,277
Allstate	$202	$2,421
State Farm	$205	$2,458
Progressive	$230	$2,755
Mercury Insurance	$268	$3,213
Central Insurance	$281	$3,375
GEICO	$310	$3,719
Farmers	$331	$3,968
Donegal Insurance	$747	$8,960

Cheap Full Coverage Car Insurance in Georgia With Poor Credit

A driver having a poor credit rating adds $1,583 per year on average to full coverage rates in Georgia, pushing the state average from $1,657 to $3,240 per year. Safeway Insurance is the cheapest option for those with poor coverage at $143 per month ($1,715 per year), close to its clean-record rate. MoneyGeek's analysis of car insurance with bad credit explains how credit-based pricing works and which states regulate it.

Provider	Monthly Premium	Annual Premium
Safeway Insurance	$143	$1,715
COUNTRY Financial	$157	$1,884
GEICO	$179	$2,150
Central Insurance	$209	$2,513
Progressive	$232	$2,778
Auto-Owners	$234	$2,811
Allstate	$260	$3,119
Mercury Insurance	$271	$3,255
Farmers	$319	$3,834
Donegal Insurance	$363	$4,350
State Farm	$603	$7,233

How to Find Cheap Full Coverage Car Insurance in Georgia

In Georgia, the provider table includes regional carriers that most drivers overlook, and those carriers hold the top spots across multiple scenarios.

1
Don't Overlook Regional Providers
COUNTRY Financial, Central Insurance and Safeway Insurance lead several sections of this page: providers that don't advertise nationally but price competitively in Georgia. Auto-Owners, available in fewer than half the states, leads the baseline adult table. Including regional names when getting quotes can uncover rates that national brands don't match. Cheapest full coverage car insurance compares national baselines across all states.
2
Georgia's DUI Surcharge Is the Highest in This Region
A DUI adds $1,751 per year on average in Georgia, and Donegal Insurance applies a surcharge that takes a driver from $1,706 per year with a clean record to $8,960 per year after a DUI. A clean driving record saves more in Georgia than in most other states in this series. Why car insurance rates go up explains how violations affect premiums.
3
Raise Your Deductible Once You've Chosen a Provider
Choosing the right base provider matters more than deductible adjustments in Georgia. Switching from State Farm to Auto-Owners saves $1,105 per year before any deductible change. A 12% premium reduction on the $1,657 Georgia average saves about $199 per year. How to choose a car insurance deductible walks through the tradeoff between premium and out-of-pocket cost.
4
Stack Discounts on the Right Carrier
Provider-switching saves $1,105 per year for the baseline driver; a 10% discount on State Farm's $2,306 policy saves only $231, far less than changing providers. Bundling, low-mileage and pay-in-full discounts are available at most Georgia carriers. Car insurance discounts covers which discounts deliver the largest savings.
5
Re-Quote When Your Profile Changes
Georgia's provider rankings shift sharply by scenario: Safeway Insurance leads with poor credit, COUNTRY Financial leads after a DUI and Central Insurance leads after an at-fault accident. The lowest-cost provider depends on your driver profile. How much car insurance you need and low income car insurance in Georgia cover coverage decisions and assistance programs.

Frequently Asked Questions About Cheap Full Coverage Car Insurance in Georgia

What is the cheapest full coverage car insurance in Georgia?

Auto-Owners has the cheapest full coverage car insurance in Georgia at $100 per month ($1,201 per year) for an adult male with a clean record and good credit. State Farm (cheapest in many other states) is the most expensive option in Georgia at $2,306 per year for the same driver profile. Georgia's market includes several regional providers that outperform national brands on price.

How does a DUI affect full coverage rates in Georgia?

A DUI adds $1,751 per year on average in Georgia, one of the highest surcharges in this state series. Donegal Insurance reaches $8,960 per year after a DUI for a driver who pays $1,706 per year with a clean record. COUNTRY Financial at $2,143 per year is the most affordable post-DUI option. Georgia requires SR-22 filing after a DUI conviction.

Does credit score affect full coverage rates in Georgia?

Yes. Poor credit adds $1,583 per year on average, pushing Georgia's state average from $1,657 to $3,240 per year. Safeway Insurance and COUNTRY Financial are the most credit-stable options in Georgia. State Farm's rate increases from $2,306 per year with good credit to $7,233 per year with poor credit, a $4,927 difference.

MoneyGeek analyzed full coverage car insurance rates in Georgia using Quadrant Information Services data. Baseline profile: 40-year-old male, clean driving record, good credit, 100/300/100 liability limits with $1,000 collision and comprehensive deductibles. Data date: November 20, 2025. USAA excluded from all tables.

Data refreshed November 20, 2025.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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