The Cheapest Car Insurance in Georgia (February 2023)

The quotes for February 2023 indicate that Country Financial provides the cheapest minimum coverage auto insurance in Georgia. Keep in mind that the most affordable policy for you will depend on your background, driving history and coverage.

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Country Financial offers the cheapest minimum and full coverage car insurance policy in Georgia. It’s also the cheapest for drivers with speeding tickets, have at-fault accidents and/or DUIs, young adults (aged 22-29), seniors, have bad credit and military personnel. Those with sports cars will find Auto-Owners Insurance as the cheapest option.

MoneyGeek's list of the top car insurance companies in Georgia is a great place to find affordability and quality service.

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2023

Cheapest Car Insurance Georgia (February 2023)

Cheapest Minimum Liability Car Insurance in Georgia (February 2023)

MoneyGeek's analysis found that the following companies offer the most affordable car insurance in Georgia for a minimum coverage policy:

  • Country Financial: $321 per year
  • Auto-Owners Insurance: $375 per year

Allstate has the highest average annual premium in Georgia for minimum coverage at $709.

In Georgia, auto insurance that meets the minimum requirements only covers personal injury protection (PIP) and property damage liability (PDL).

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Country Financial
    $286
    $24
  • Country Financial
    $321
    $27
  • Auto-Owners Insurance Co
    $375
    $31
  • Mercury
    $443
    $37
  • GEICO
    $454
    $38
  • Auto-Owners Insurance Co
    $456
    $38
  • Country Financial
    $466
    $39
  • Progressive
    $473
    $39
  • GEICO
    $479
    $40
  • Mercury
    $507
    $42
  • State Farm
    $517
    $43
  • Progressive
    $523
    $44
  • State Farm
    $524
    $44
  • Auto-Owners Insurance Co
    $533
    $44
  • Progressive
    $579
    $48
  • Country Financial
    $589
    $49
  • Mercury
    $634
    $53
  • State Farm
    $669
    $56
  • Country Financial
    $675
    $56
  • Allstate
    $698
    $58
  • Allstate
    $709
    $59
  • Allstate
    $749
    $62
  • GEICO
    $819
    $68
  • Auto-Owners Insurance Co
    $856
    $71
  • Auto-Owners Insurance Co
    $916
    $76
  • State Farm
    $952
    $79
  • Country Financial
    $972
    $81
  • State Farm
    $993
    $83
  • Allstate
    $1,043
    $87
  • GEICO
    $1,076
    $90
  • Allstate
    $1,077
    $90
  • Allstate
    $1,104
    $92
  • Progressive
    $1,119
    $93
  • Progressive
    $1,124
    $94
  • Mercury
    $1,130
    $94
  • GEICO
    $1,173
    $98
  • Mercury
    $1,197
    $100
  • Auto-Owners Insurance Co
    $1,232
    $103
  • State Farm
    $1,307
    $109
  • Progressive
    $1,460
    $122
  • Mercury
    $1,687
    $141
  • GEICO
    $1,860
    $155

With a minimum coverage policy, you are only covered for the injuries or damages you cause to others. You can further protect yourself with a full coverage policy that provides comprehensive and collision coverage. A full coverage policy covers damage to your vehicle as well.

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Cheapest Full Coverage Car Insurance in Georgia (February 2023)

MoneyGeek compared companies for the cheapest full coverage car insurance in Georgia and found these insurers to be the most affordable:

  • Country Financial: $675 per year
  • Auto-Owners Insurance: $856 per year

Mercury is the most expensive full coverage insurance provider in Georgia, at roughly $1,197 per year.

You could pay more for your auto insurance if you add comprehensive and collision coverage. A full coverage option from Country Financial costs $354 more than a minimum coverage policy.

Full coverage car insurance provides you with a greater level of protection if you need to file a claim. If you purchase a full coverage policy, your car will be covered for damages caused by on-road accidents, such as collisions, and off-road accidents, such as theft, vandalism or flooding.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Country Financial
    $286
    $24
  • Country Financial
    $321
    $27
  • Auto-Owners Insurance Co
    $375
    $31
  • Mercury
    $443
    $37
  • GEICO
    $454
    $38
  • Auto-Owners Insurance Co
    $456
    $38
  • Country Financial
    $466
    $39
  • Progressive
    $473
    $39
  • GEICO
    $479
    $40
  • Mercury
    $507
    $42
  • State Farm
    $517
    $43
  • Progressive
    $523
    $44
  • State Farm
    $524
    $44
  • Auto-Owners Insurance Co
    $533
    $44
  • Progressive
    $579
    $48
  • Country Financial
    $589
    $49
  • Mercury
    $634
    $53
  • State Farm
    $669
    $56
  • Country Financial
    $675
    $56
  • Allstate
    $698
    $58
  • Allstate
    $709
    $59
  • Allstate
    $749
    $62
  • GEICO
    $819
    $68
  • Auto-Owners Insurance Co
    $856
    $71
  • Auto-Owners Insurance Co
    $916
    $76
  • State Farm
    $952
    $79
  • Country Financial
    $972
    $81
  • State Farm
    $993
    $83
  • Allstate
    $1,043
    $87
  • GEICO
    $1,076
    $90
  • Allstate
    $1,077
    $90
  • Allstate
    $1,104
    $92
  • Progressive
    $1,119
    $93
  • Progressive
    $1,124
    $94
  • Mercury
    $1,130
    $94
  • GEICO
    $1,173
    $98
  • Mercury
    $1,197
    $100
  • Auto-Owners Insurance Co
    $1,232
    $103
  • State Farm
    $1,307
    $109
  • Progressive
    $1,460
    $122
  • Mercury
    $1,687
    $141
  • GEICO
    $1,860
    $155

Your car insurance rate will be affected significantly by how much coverage you need. MoneyGeek's full coverage sample policy includes liability protection up to the following limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident

Your insurance payments might be reduced if you lower your liability limits, remove comprehensive and collision coverage or raise your deductible. You risk, however, paying more out of pocket if you are in an accident.

How to Compare Cheap Georgia Car Insurance Quotes Online

Georgia auto insurance companies offer online quotes if you need one. To compare rates, you'd need to visit several websites. The process could take up to 15 minutes, and insurers may also request your personal information.

With MoneyGeek's car insurance calculator, you can easily estimate your car insurance without providing personal information to several providers. Learn more by selecting your age, gender and driving record below.

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Cheapest Car Insurance in Georgia for Teens and Their Families (February 2023)

MoneyGeek found that the most affordable car insurance companies in Georgia for teen drivers on a parent’s policy are:-

  • Allstate: $1,745 per year for male teens and $1,668 for female teens-
  • Auto-Owners Insurance: $2,554 for male teens; GEICO: $2,315 for female teens

Progressive is the most expensive option in Georgia for female teens at an average of $3,046 per year, whereas State Farm is the most costly option for male teens at $3,892 per year.

Due to the diminishing car insurance rates for teens as they age, there is a significant premium difference between 16- and 19-year-old drivers. Allstate ($1,448 per year) provides the lowest car insurance rate for 19-year-old male drivers in Georgia.

On average, a teen policy is cheaper if it's included in a family plan. A 16-year-old driver in Georgia pays $3,112 less to be on their parent's policy rather than on an individual plan.

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Horizontal swipe icon
  • Company
    Family Plan Annual Premium
    Individual Plan Annual Premium
  • Allstate
    $1,668
    $5,507
  • Allstate
    $1,745
    $4,763
  • GEICO
    $2,315
    $7,145
  • Auto-Owners Insurance Co
    $2,481
    $2,296
  • Auto-Owners Insurance Co
    $2,554
    $3,033
  • GEICO
    $2,869
    $8,691
  • State Farm
    $3,019
    $3,911
  • Progressive
    $3,046
    $7,389
  • Progressive
    $3,408
    $8,306
  • State Farm
    $3,892
    $5,236
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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Discounts are available for young drivers, helping families save money on car insurance. You can find good student discounts (for those with good grades) and distant student discounts (for those who live away from home) from insurance companies, such as Auto-Owners Insurance, Allstate and State Farm.

Cheapest Car Insurance in Georgia for Young Adults (February 2023)

MoneyGeek's analysis indicates that the cheapest car insurance companies in Georgia for young adults in their 20s are:

  • Country Financial: $972 per year
  • Allstate: $1077 per year

GEICO is the least affordable for this age group, costing an average of $1,860 a year.

The cost of auto insurance for drivers in their 20s is usually higher than the cost for drivers between 25 and 40. For example, it costs up to $297 more per year for an Allstate policy for a driver in their 20s than for one in their 40s.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Country Financial
    $286
    $24
  • Country Financial
    $321
    $27
  • Auto-Owners Insurance Co
    $375
    $31
  • Mercury
    $443
    $37
  • GEICO
    $454
    $38
  • Auto-Owners Insurance Co
    $456
    $38
  • Country Financial
    $466
    $39
  • Progressive
    $473
    $39
  • GEICO
    $479
    $40
  • Mercury
    $507
    $42
  • State Farm
    $517
    $43
  • Progressive
    $523
    $44
  • State Farm
    $524
    $44
  • Auto-Owners Insurance Co
    $533
    $44
  • Progressive
    $579
    $48
  • Country Financial
    $589
    $49
  • Mercury
    $634
    $53
  • State Farm
    $669
    $56
  • Country Financial
    $675
    $56
  • Allstate
    $698
    $58
  • Allstate
    $709
    $59
  • Allstate
    $749
    $62
  • GEICO
    $819
    $68
  • Auto-Owners Insurance Co
    $856
    $71
  • Auto-Owners Insurance Co
    $916
    $76
  • State Farm
    $952
    $79
  • Country Financial
    $972
    $81
  • State Farm
    $993
    $83
  • Allstate
    $1,043
    $87
  • GEICO
    $1,076
    $90
  • Allstate
    $1,077
    $90
  • Allstate
    $1,104
    $92
  • Progressive
    $1,119
    $93
  • Progressive
    $1,124
    $94
  • Mercury
    $1,130
    $94
  • GEICO
    $1,173
    $98
  • Mercury
    $1,197
    $100
  • Auto-Owners Insurance Co
    $1,232
    $103
  • State Farm
    $1,307
    $109
  • Progressive
    $1,460
    $122
  • Mercury
    $1,687
    $141
  • GEICO
    $1,860
    $155

Cheapest Car Insurance in Georgia for Seniors (February 2023)

Senior drivers in Georgia can get the cheapest car insurance from:

  • Country Financial: $589 per year
  • Auto-Owners Insurance: $916 per year

Car insurance rates for seniors are the highest at Mercury, at approximately $1,130 a year.

It is slightly cheaper to insure a senior driver in Georgia than a middle-aged driver. It costs approximately $86 less per year for seniors to buy a full coverage policy through Country Financial than for those in their 40s. However, car insurance rates typically increase after the age of 70.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Country Financial
    $286
    $24
  • Country Financial
    $321
    $27
  • Auto-Owners Insurance Co
    $375
    $31
  • Mercury
    $443
    $37
  • GEICO
    $454
    $38
  • Auto-Owners Insurance Co
    $456
    $38
  • Country Financial
    $466
    $39
  • Progressive
    $473
    $39
  • GEICO
    $479
    $40
  • Mercury
    $507
    $42
  • State Farm
    $517
    $43
  • Progressive
    $523
    $44
  • State Farm
    $524
    $44
  • Auto-Owners Insurance Co
    $533
    $44
  • Progressive
    $579
    $48
  • Country Financial
    $589
    $49
  • Mercury
    $634
    $53
  • State Farm
    $669
    $56
  • Country Financial
    $675
    $56
  • Allstate
    $698
    $58
  • Allstate
    $709
    $59
  • Allstate
    $749
    $62
  • GEICO
    $819
    $68
  • Auto-Owners Insurance Co
    $856
    $71
  • Auto-Owners Insurance Co
    $916
    $76
  • State Farm
    $952
    $79
  • Country Financial
    $972
    $81
  • State Farm
    $993
    $83
  • Allstate
    $1,043
    $87
  • GEICO
    $1,076
    $90
  • Allstate
    $1,077
    $90
  • Allstate
    $1,104
    $92
  • Progressive
    $1,119
    $93
  • Progressive
    $1,124
    $94
  • Mercury
    $1,130
    $94
  • GEICO
    $1,173
    $98
  • Mercury
    $1,197
    $100
  • Auto-Owners Insurance Co
    $1,232
    $103
  • State Farm
    $1,307
    $109
  • Progressive
    $1,460
    $122
  • Mercury
    $1,687
    $141
  • GEICO
    $1,860
    $155

Car insurance premium discounts may be available for seniors from certain insurers. Comparing quotes from multiple insurers can also help you find the best rates for your profile and individual requirements.

Cheapest Car Insurance in Georgia After a Ticket, Accident or DUI (February 2023)

Country Financial is the cheapest insurer for Georgia drivers with tickets, drivers with at-fault accidents or DUIs on their record.

Traffic violations often result in higher rates. Regularly reviewing your driving record and taking state-approved courses can improve your profile in the long run and lower your insurance rates.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: Country Financial ($916 per year)
Cheapest after an accident: Country Financial ($948 per year)
Cheapest after a DUI: Country Financial ($1,109 per year)

Cheapest Car Insurance in Georgia After a Ticket

For drivers with a speeding ticket, these insurance companies offer the cheapest full coverage policies in Georgia:

  • Country Financial: $916 per year
  • Auto-Owners Insurance: $965 per year

The most expensive provider is Mercury, which charges $1,767 a year.

On average, a speeding ticket in Georgia can increase your insurance costs by $268.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Country Financial
    $391
    $33
  • Auto-Owners Insurance Co
    $431
    $36
  • Country Financial
    $440
    $37
  • GEICO
    $455
    $38
  • Auto-Owners Insurance Co
    $524
    $44
  • GEICO
    $571
    $48
  • State Farm
    $594
    $50
  • Auto-Owners Insurance Co
    $613
    $51
  • State Farm
    $631
    $53
  • Country Financial
    $639
    $53
  • Progressive
    $647
    $54
  • Mercury
    $674
    $56
  • Progressive
    $743
    $62
  • Allstate
    $755
    $63
  • Progressive
    $755
    $63
  • Allstate
    $764
    $64
  • State Farm
    $769
    $64
  • Country Financial
    $800
    $67
  • Mercury
    $806
    $67
  • GEICO
    $820
    $68
  • Allstate
    $826
    $69
  • Mercury
    $878
    $73
  • Country Financial
    $916
    $76
  • Auto-Owners Insurance Co
    $965
    $80
  • Auto-Owners Insurance Co
    $1,039
    $87
  • GEICO
    $1,078
    $90
  • State Farm
    $1,083
    $90
  • Allstate
    $1,144
    $95
  • State Farm
    $1,171
    $98
  • Allstate
    $1,212
    $101
  • Allstate
    $1,246
    $104
  • Country Financial
    $1,325
    $110
  • Auto-Owners Insurance Co
    $1,392
    $116
  • GEICO
    $1,401
    $117
  • State Farm
    $1,487
    $124
  • Progressive
    $1,572
    $131
  • Progressive
    $1,713
    $143
  • Mercury
    $1,767
    $147
  • GEICO
    $1,863
    $155
  • Progressive
    $1,890
    $158
  • Mercury
    $1,948
    $162
  • Mercury
    $2,272
    $189

Cheapest Car Insurance in Georgia After an Accident

The most affordable full coverage car insurance companies for Georgia drivers with an at-fault accident are:

  • Country Financial: $948 per year
  • Auto-Owners Insurance Co: $1,202 per year

Drivers with at-fault accidents pay the most with Mercury — approximately $2,457 annually.

Having been at fault in a car accident in Georgia could result in an increase of $588 to your annual premium.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Country Financial
    $464
    $39
  • Country Financial
    $480
    $40
  • Auto-Owners Insurance Co
    $556
    $46
  • State Farm
    $654
    $54
  • Country Financial
    $662
    $55
  • Auto-Owners Insurance Co
    $675
    $56
  • GEICO
    $694
    $58
  • State Farm
    $694
    $58
  • GEICO
    $736
    $61
  • Auto-Owners Insurance Co
    $788
    $66
  • State Farm
    $846
    $70
  • Allstate
    $882
    $73
  • Country Financial
    $892
    $74
  • Allstate
    $896
    $75
  • Progressive
    $940
    $78
  • Country Financial
    $948
    $79
  • Allstate
    $976
    $81
  • Mercury
    $1,010
    $84
  • GEICO
    $1,057
    $88
  • Progressive
    $1,070
    $89
  • Progressive
    $1,100
    $92
  • State Farm
    $1,184
    $99
  • Auto-Owners Insurance Co
    $1,202
    $100
  • Mercury
    $1,234
    $103
  • Mercury
    $1,267
    $106
  • State Farm
    $1,279
    $107
  • Auto-Owners Insurance Co
    $1,309
    $109
  • Country Financial
    $1,313
    $109
  • Allstate
    $1,365
    $114
  • Allstate
    $1,447
    $121
  • Allstate
    $1,499
    $125
  • GEICO
    $1,596
    $133
  • State Farm
    $1,625
    $135
  • GEICO
    $1,732
    $144
  • Auto-Owners Insurance Co
    $1,746
    $145
  • Progressive
    $2,189
    $182
  • GEICO
    $2,381
    $198
  • Progressive
    $2,442
    $204
  • Mercury
    $2,457
    $205
  • Progressive
    $2,567
    $214
  • Mercury
    $2,833
    $236
  • Mercury
    $3,079
    $257

Cheapest Car Insurance in Georgia After a DUI

The cheapest full coverage car insurance options in Georgia for individuals with DUI records are:

  • Country Financial: $1,109 per year
  • State Farm: $1,171 per year

For drivers with DUIs, GEICO is the most costly auto insurance provider at approximately $3,807 per year.

DUIs drive up your Georgia insurance premium by $810 on average.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Country Financial
    $491
    $41
  • Country Financial
    $551
    $46
  • State Farm
    $594
    $50
  • State Farm
    $631
    $53
  • Mercury
    $651
    $54
  • Progressive
    $704
    $59
  • Mercury
    $736
    $61
  • State Farm
    $769
    $64
  • Progressive
    $784
    $65
  • Country Financial
    $800
    $67
  • Progressive
    $811
    $68
  • Auto-Owners Insurance Co
    $845
    $70
  • Mercury
    $856
    $71
  • Allstate
    $869
    $72
  • Allstate
    $883
    $74
  • Allstate
    $961
    $80
  • Country Financial
    $972
    $81
  • Auto-Owners Insurance Co
    $1,027
    $86
  • State Farm
    $1,083
    $90
  • Country Financial
    $1,109
    $92
  • State Farm
    $1,171
    $98
  • Auto-Owners Insurance Co
    $1,199
    $100
  • Allstate
    $1,356
    $113
  • GEICO
    $1,409
    $117
  • Allstate
    $1,439
    $120
  • State Farm
    $1,487
    $124
  • Allstate
    $1,488
    $124
  • Country Financial
    $1,610
    $134
  • Mercury
    $1,673
    $139
  • GEICO
    $1,698
    $142
  • Mercury
    $1,753
    $146
  • Auto-Owners Insurance Co
    $1,756
    $146
  • Progressive
    $1,857
    $155
  • GEICO
    $1,871
    $156
  • Auto-Owners Insurance Co
    $1,939
    $162
  • Progressive
    $1,998
    $167
  • Mercury
    $2,180
    $182
  • Progressive
    $2,208
    $184
  • Auto-Owners Insurance Co
    $2,569
    $214
  • GEICO
    $3,112
    $259
  • GEICO
    $3,807
    $317
  • GEICO
    $4,111
    $343

Cheapest Car Insurance in Georgia for Drivers With Poor Credit (February 2023)

For drivers with poor credit in Georgia, these companies have the most affordable car insurance:

  • Country Financial: $1,006 per year
  • Allstate: $1,397 per year

Insuring your car with Auto-Owners Insurance Co costs the most in Georgia if you have a low credit score, at roughly $2,300 per year.

Insurers calculate your rate based on your credit score. Car insurance in Georgia costs approximately $697 more if your credit score is below 580 compared with someone with a score of 750 or higher.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Country Financial
    $1,463
    $122
  • Allstate
    $1,487
    $124
  • Progressive
    $2,194
    $183
  • GEICO
    $2,224
    $185
  • Mercury
    $2,456
    $205
  • State Farm
    $2,692
    $224
  • Auto-Owners Insurance Co
    $3,310
    $276
  • Country Financial
    $711
    $59
  • Progressive
    $845
    $70
  • Mercury
    $887
    $74
  • Allstate
    $887
    $74
  • GEICO
    $978
    $82
  • State Farm
    $1,378
    $115
  • Auto-Owners Insurance Co
    $1,592
    $133
  • Country Financial
    $1,006
    $84
  • Allstate
    $1,397
    $116
  • GEICO
    $1,594
    $133
  • Mercury
    $1,752
    $146
  • Progressive
    $1,764
    $147
  • State Farm
    $2,123
    $177
  • Auto-Owners Insurance Co
    $2,300
    $192
  • Country Financial
    $488
    $41
  • Mercury
    $616
    $51
  • GEICO
    $651
    $54
  • Progressive
    $704
    $59
  • Allstate
    $872
    $73
  • Auto-Owners Insurance Co
    $1,122
    $93
  • State Farm
    $1,131
    $94
  • Country Financial
    $880
    $73
  • GEICO
    $1,286
    $107
  • Allstate
    $1,524
    $127
  • Mercury
    $1,641
    $137
  • Progressive
    $1,683
    $140
  • State Farm
    $1,960
    $163
  • Auto-Owners Insurance Co
    $2,512
    $209
  • Country Financial
    $433
    $36
  • GEICO
    $544
    $45
  • Mercury
    $618
    $52
  • Progressive
    $692
    $58
  • Allstate
    $964
    $80
  • State Farm
    $1,064
    $89
  • Auto-Owners Insurance Co
    $1,363
    $114

Auto insurers have found that drivers with poor credit generally are more likely to file claims. Consequently, some insurance companies will charge a higher rate. Laws differ from state to state, but in Georgia, it is legal.

Gradually, you can improve your credit score to get lower car insurance rates. You can save money by comparing rates from different insurers and by making use of bundle and multi-car discounts.

Cheapest Car Insurance in Georgia for Sports Cars (February 2023)

If you own a sports car in Georgia, the following companies are the most affordable:

  • Auto-Owners Insurance: $976 per year
  • Allstate: $1,004 per year

At $1,560 per year, Progressive offers the most expensive policy for sports cars.

Compared with a Toyota Camry, sports cars are more expensive to insure in Georgia, by $206 per year.

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  • Company
    Annual Premium
    Monthly Premium
  • Country Financial
    $286
    $24
  • Country Financial
    $321
    $27
  • Auto-Owners Insurance Co
    $375
    $31
  • Mercury
    $443
    $37
  • GEICO
    $454
    $38
  • Auto-Owners Insurance Co
    $456
    $38
  • Country Financial
    $466
    $39
  • Progressive
    $473
    $39
  • GEICO
    $479
    $40
  • Mercury
    $507
    $42
  • State Farm
    $517
    $43
  • Progressive
    $523
    $44
  • State Farm
    $524
    $44
  • Auto-Owners Insurance Co
    $533
    $44
  • Progressive
    $579
    $48
  • Mercury
    $634
    $53
  • State Farm
    $669
    $56
  • Allstate
    $698
    $58
  • Allstate
    $709
    $59
  • Allstate
    $749
    $62
  • GEICO
    $819
    $68
  • Auto-Owners Insurance Co
    $976
    $81
  • Allstate
    $1,004
    $84
  • Auto-Owners Insurance Co
    $1,032
    $86
  • Allstate
    $1,071
    $89
  • Allstate
    $1,073
    $89
  • State Farm
    $1,145
    $95
  • GEICO
    $1,152
    $96
  • State Farm
    $1,240
    $103
  • GEICO
    $1,289
    $107
  • Progressive
    $1,351
    $113
  • Auto-Owners Insurance Co
    $1,422
    $119
  • Progressive
    $1,560
    $130
  • State Farm
    $1,590
    $133
  • GEICO
    $1,938
    $161
  • Progressive
    $2,023
    $169

MoneyGeek used the Ford Mustang as a representative sports car, but your particular model may have different costs.

Insuring sports cars, electric cars and luxury vehicles is generally more expensive, depending on the state. However, the car model may not have much influence.

Cheapest Car Insurance in Georgia for Military Drivers (February 2023)

If you are an active-duty military member or veteran, Country Financial offers the cheapest car insurance in Georgia at $675 per year.

The second-cheapest option for veterans is Auto-Owners Insurance. USAA is the third cheapest at $920 per year. The company offers special coverage benefits and discounts for military personnel. All states offer USAA, but only drivers with military backgrounds are eligible.

mglogo
MoneyGeek Top Pick
Country Financial
  • $675 per year on average
  • Ranks first out of eight insurers for affordability

The most affordable option for military members is Country Financial. It does not offer discounts to military personnel, however. Other discounts can save you money, including bundling, safe driving and defensive driving discounts.

Cheapest Car Insurance in Georgia by City

There can be a wide difference in car insurance costs between different parts of Georgia. Cities with high traffic accidents, car thefts or high-risk factors may have higher car insurance premiums.

For instance, Country Financial offers the lowest price for a full coverage policy in Athens-Clarke, Georgia for $859 per year; whereas, in Atlanta, the same policy costs $1,174 — a difference of $315.

Therefore, even when using the same provider, rates can differ based on location.

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  • City
    Cheapest Company
    Annual Premium
  • Athens-Clarke
    Country Financial
    $859
  • Atlanta
    Country Financial
    $1,174
  • Augusta-Richmond
    Country Financial
    $948
  • Columbus
    Country Financial
    $914
  • Macon-Bibb
    Country Financial
    $912
  • Sandy Springs
    Country Financial
    $993
  • Savannah
    Country Financial
    $931

Car Insurance in Georgia: What You Need to Know

Under Georgia law, all drivers are mandated to carry bodily injury liability and property damage liability insurance. It is a requirement in most states to have these coverages.

Georgia Car Insurance Requirements

According to Georgia law, you only need bodily injury liability and property damage coverage on your policy. A policy of this type is affordable, but it provides limited coverage if you are involved in an accident.

To ensure full protection, Moneygeek recommends purchasing as much liability coverage as you can manage. In Georgia, SR-22 insurance may also be required if you have serious violations on your record, such as a DUI.

  • male icon

    Bodily Injury Liability

    Insurance laws in Georgia require drivers to carry a minimum of $25,000 for bodily injury liability per person and $50,000 for bodily injury liability per accident. If you cause an accident, your bodily injury coverage covers any injuries suffered by others. The amount of coverage for injury to others will only be up to the maximum limit specified by your insurance company. In the event of additional costs, they will be paid out of pocket.

  • accident2 icon

    Property Damage Liability

    Property damage liability in Georgia is required to be $25,000 per accident. Accidental damage to other people's property is covered under this coverage. This coverage does not cover damage to your car.

MoneyGeek recommends obtaining liability limits of $100,000 per person, $300,000 per accident for bodily injury and $100,000 for property damage per accident. If you are involved in an accident, you will have adequate coverage.

For financed cars, you may need comprehensive and collision insurance. It covers damage caused by collisions, off-road incidents, vandalism or theft to your car.

A full coverage policy might be ideal if you drive a valuable car, even if it is not a legal requirement.

Car Insurance Alternatives in Georgia

As a substitute to low-cost standard auto insurance, Georgia drivers can purchase Financial Responsibility Insurance.

For bodily injury and property damage liability, Georgia drivers must carry the state minimum insurance. You can, however, purchase full coverage car insurance to increase your liability limits.

FAQs About Car Insurance in Georgia

MoneyGeek answered frequently asked questions about Georgia car insurance costs and quality to help you make a more informed decision.

Expert Advice on Finding Cheap Car Insurance in Georgia

To help you find credible and accurate insight on car insurance in Georgia, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Georgia should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Georgia take to find affordable car insurance?
  3. How do regulations and rules in Georgia impact insurance pricing and how consumers might shop for coverage?
Wendy Habegger
Wendy Habegger

Lecturer at James M. Hull College of Business at Augusta University

Jeffrey Diamond
Jeffrey Diamond

Adjunct Professor, Atlanta's John Marshall Law School

Richard McGrath
Richard McGrath

Professor of Economics at Georgia Southern

Harold Weston
Harold Weston

Clinical Associate Professor of Risk Management and Insurance at Georgia State University, Robinson College of Business

Jill Duncan
Jill Duncan

State Farm Insurance Agent in Carroll County, Georgia

About the Author


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.