Cheapest Car Insurance in Georgia (October 2024)


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Updated: October 2, 2024

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COUNTRY Financial offers the cheapest minimum car insurance policy in Georgia and for most driver profiles. Other types of drivers, like teens, might find Allstate the most affordable option.

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

Why Trust MoneyGeek? We found the cheapest Georgia car insurance rates for different drivers using the Georgia Department of Insurance and Quadrant Information Services data.

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These rates reflect the cheapest car insurance quotes in Georgia as of October 2024.

35,648Quotes Analyzed
 
8Companies Compared
 
82ZIP Codes

Cheapest Minimum Liability Car Insurance in Georgia

These companies offer the most affordable car insurance in Georgia for a minimum coverage policy:

  • COUNTRY Financial: $412 per year
  • Auto-Owners: $444 per year

Allstate has the highest average annual premium in Georgia for minimum coverage at $1,079.

Auto insurance that meets the minimum requirements covers only bodily injury liability and property damage liability.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Country FinancialAnnual Premium$412Monthly Premium$34
Auto-Owners Insurance CoAnnual Premium$444Monthly Premium$37
GEICOAnnual Premium$581Monthly Premium$48
MercuryAnnual Premium$601Monthly Premium$50
ProgressiveAnnual Premium$875Monthly Premium$73
State FarmAnnual Premium$957Monthly Premium$80
AllstateAnnual Premium$1,079Monthly Premium$90

With a minimum coverage policy, you're covered only for injuries or damage you cause to others. To protect yourself further, consider a full coverage policy, which includes comprehensive and collision insurance covering damage to your vehicle.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Find the Best Car Insurance in Georgia for You

 

The amount of coverage you need will depend on your situation and insurance requirements.

The table above shows the cheapest auto insurance premiums for minimum coverage in Georgia.

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Our team also evaluated the quality and cost of service provided by the best car insurance companies in Georgia.

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Using different driver profiles, we analyzed Georgia's average car insurance rates to show how rates vary based on individual factors.

Cheapest Full Coverage Car Insurance in Georgia

These companies offer the cheapest full coverage car insurance in Georgia:

  • COUNTRY Financial: $751 per year
  • Auto-Owners: $993 per year

Progressive is Georgia's most expensive full coverage insurance provider, averaging $1,842 annually.

Full coverage car insurance offers excellent financial protection, covering damage from collisions, theft, vandalism and flooding.

Adding comprehensive and collision coverage to your policy increases your premium. For example, a full coverage policy from COUNTRY Financial costs $339 more than its minimum coverage option.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$751Monthly Premium$63
Auto-Owners Insurance CoAnnual Premium$993Monthly Premium$83
GEICOAnnual Premium$1,371Monthly Premium$114
MercuryAnnual Premium$1,433Monthly Premium$119
AllstateAnnual Premium$1,577Monthly Premium$131
State FarmAnnual Premium$1,753Monthly Premium$146
ProgressiveAnnual Premium$1,842Monthly Premium$153

How much coverage you need will affect your car insurance rate. 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. However, you risk paying more out of pocket if caught in an accident.

How to Compare Cheap Georgia Car Insurance Quotes Online

Many 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. Enter your age, gender and driving record below to learn more.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 08, 2024

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Cheapest Car Insurance in Georgia by Age

Allstate offers the cheapest rates for teens, while COUNTRY Financial provides the most affordable rates for young adults and seniors.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest Car Insurance in Georgia for Teens and Their Families

The most affordable car insurance companies in Georgia for teen drivers on a parent’s policy are:

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

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.

As teens age, car insurance rates decrease, leading to a significant difference in premiums between drivers aged 16 and 19. Allstate offers the lowest rate for 19-year-old male drivers in Georgia at $1,448 annually.

A teen policy is cheaper if included in a family plan. In most cases, drivers under 18 cannot legally purchase auto insurance themselves — they need a parent or guardian as a co-signer. A 16-year-old driver in Georgia pays $3,112 less to be on their parent's policy than an individual plan.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
AllstateFamily Plan Annual Premium$1,668Individual Plan Annual Premium$5,507
GEICOFamily Plan Annual Premium$2,315Individual Plan Annual Premium$7,145
Auto-Owners Insurance CoFamily Plan Annual Premium$2,481Individual Plan Annual Premium$2,296
State FarmFamily Plan Annual Premium$3,019Individual Plan Annual Premium$3,911
ProgressiveFamily Plan Annual Premium$3,046Individual Plan Annual Premium$7,389
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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens are significantly more expensive than female teens. This rate difference is not as notable when drivers reach their 20s and beyond.Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

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

Cheapest Car Insurance in Georgia for Young Adults

The cheapest car insurance companies for full coverage in Georgia for young adults in their 20s are:

  • COUNTRY Financial: $1,087 per year
  • Auto-Owners: $1,428 per year

Progressive is the least affordable option for this age group, with a full coverage policy costing an average of $2,397 yearly.

The auto insurance cost for drivers in their early 20s is usually higher than that for drivers between 30 and 59 because younger drivers have a higher accident frequency and severity rate. For example, policies from the cheapest providers cost $474 more per year for drivers in their 20s than those in their 40s.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$1,087Monthly Premium$91
Auto-Owners Insurance CoAnnual Premium$1,428Monthly Premium$119
AllstateAnnual Premium$1,617Monthly Premium$135
MercuryAnnual Premium$2,026Monthly Premium$169
GEICOAnnual Premium$2,181Monthly Premium$182
State FarmAnnual Premium$2,302Monthly Premium$192
ProgressiveAnnual Premium$2,397Monthly Premium$200

Cheapest Car Insurance in Georgia for Seniors

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

  • COUNTRY Financial: $657 per year
  • Auto-Owners: $1,067 per year

Progressive has the highest rates for seniors, at around $1,847 annually.

Insuring a senior driver in Georgia is about $25 cheaper per year than insuring a middle-aged driver. However, premiums usually rise after age 70 as risk factors increase for older drivers.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$657Monthly Premium$55
Auto-Owners Insurance CoAnnual Premium$1,067Monthly Premium$89
GEICOAnnual Premium$1,260Monthly Premium$105
MercuryAnnual Premium$1,355Monthly Premium$113
AllstateAnnual Premium$1,673Monthly Premium$139
State FarmAnnual Premium$1,684Monthly Premium$140
ProgressiveAnnual Premium$1,847Monthly Premium$154

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 coverage needs.

Cheapest Car Insurance for Higher Risk Drivers

COUNTRY Financial has the most affordable rates for drivers with tickets, at-fault accidents, DUIs and poor credit scores. Auto-Owners offers the cheapest insurance for sports cars.

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CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest Car Insurance in Georgia After a Ticket

For Georgia drivers with a speeding ticket, the cheapest car insurance companies are:

  • COUNTRY Financial: $1,022 per year
  • Auto-Owners: $1,119 per year

Progressive offers the most expensive coverage for drivers with tickets, at roughly $2,583 per year. In Georgia, getting a speeding ticket can increase your car insurance premium by $365 and generate an annual premium surcharge for at least three years.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$1,022Monthly Premium$85
Auto-Owners Insurance CoAnnual Premium$1,119Monthly Premium$93
GEICOAnnual Premium$1,637Monthly Premium$136
AllstateAnnual Premium$1,725Monthly Premium$144
State FarmAnnual Premium$2,070Monthly Premium$173
MercuryAnnual Premium$2,120Monthly Premium$177
ProgressiveAnnual Premium$2,583Monthly Premium$215

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: $1,080 per year
  • Auto-Owners: $1,394 per year

Drivers with at-fault accidents pay the most with Progressive — around $3,598 annually.

Being at fault in a car accident could result in an increase of $806 in your annual premium in Georgia.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$1,080Monthly Premium$90
Auto-Owners Insurance CoAnnual Premium$1,394Monthly Premium$116
GEICOAnnual Premium$2,028Monthly Premium$169
AllstateAnnual Premium$2,058Monthly Premium$171
State FarmAnnual Premium$2,262Monthly Premium$189
MercuryAnnual Premium$2,942Monthly Premium$245
ProgressiveAnnual Premium$3,598Monthly Premium$300

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: $1,250 per year
  • Mercury: $2,007 per year

For drivers with DUIs, GEICO is the costliest auto insurance provider at around $4,466 annually.

In Georgia, a DUI increases your insurance premium by $1,030 on average.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$1,250Monthly Premium$104
MercuryAnnual Premium$2,007Monthly Premium$167
AllstateAnnual Premium$2,040Monthly Premium$170
Auto-Owners Insurance CoAnnual Premium$2,042Monthly Premium$170
State FarmAnnual Premium$2,070Monthly Premium$173
ProgressiveAnnual Premium$3,057Monthly Premium$255
GEICOAnnual Premium$4,466Monthly Premium$372

Cheapest Car Insurance in Georgia for Drivers With Poor Credit

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

  • COUNTRY Financial: $1,129 per year
  • GEICO: $1,863 per year

Insuring your car with State Farm costs the most in Georgia if you have a low credit score, at about $3,749 annually.

Insurers calculate your rate using a credit-based insurance score, which considers various factors to assess how well you manage your money. In Georgia, car insurance costs about $970 more for drivers with a credit score below 580 compared to those with a score of 750 or higher.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$1,129Monthly Premium$94
GEICOAnnual Premium$1,863Monthly Premium$155
AllstateAnnual Premium$2,094Monthly Premium$174
MercuryAnnual Premium$2,107Monthly Premium$176
Auto-Owners Insurance CoAnnual Premium$2,674Monthly Premium$223
ProgressiveAnnual Premium$2,897Monthly Premium$241
State FarmAnnual Premium$3,749Monthly Premium$312

Actuarial data shows that drivers with poor credit are more likely to file claims. Consequently, some insurance companies will charge a higher rate. The usage of credit history as a rating factor varies from state to state, but in Georgia, it's legal.

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

Cheapest Car Insurance in Georgia for Sports Cars

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

  • Auto-Owners: $1,128 per year
  • GEICO: $1,490 per year

Progressive offers the most expensive policy for sports cars at $2,556 per year.

In Georgia, it's more expensive to insure sports cars, at $381 annually, than a Toyota Camry LE.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Auto-Owners Insurance CoAnnual Premium$1,128Monthly Premium$94
GEICOAnnual Premium$1,490Monthly Premium$124
AllstateAnnual Premium$1,498Monthly Premium$125
State FarmAnnual Premium$2,177Monthly Premium$181
ProgressiveAnnual Premium$2,556Monthly Premium$213

MoneyGeek used the Ford Mustang as a sample 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 model may have little influence.

Cheapest Car Insurance in Georgia for Military Drivers

COUNTRY Financial offers the cheapest car insurance in Georgia for active-duty military members and veterans at $751 per year.

USAA, at $1,051 annually, provides unique coverage benefits and discounts for military personnel.

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MoneyGeek Top Pick
Country Financial
  • $751 annual premium
  • Cheapest in Georgia, ranking first out of eight insurers
  • No military discount, but still the most affordable option in the state
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MONEYGEEK EXPERT TIP

Active-duty and retired military and National Guard or Reserves members may qualify for a military discount with GEICO. The company also has an Emergency Deployment Discount and may provide a discount on car insurance to members of the Association of the United States Army (AUSA), Armed Forces Benefit Association (AFBA), Navy League of the United States (NLUS) or Navy Federal Credit Union.Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Georgia by City

Car insurance costs vary widely across Georgia due to risks like traffic accidents and car thefts.

Even with the same provider, rates can differ based on your location. For example, Auto-Owners offers the lowest price for a full coverage policy in Athens-Clarke: $1,041 annually. In Atlanta, the most expensive city, Auto-Owners provides the same policy for $1,456 annually — a $415 difference.

Athens-ClarkeCheapest CompanyAuto-Owners Insurance CoAnnual Premium$1,041
AtlantaCheapest CompanyAuto-Owners Insurance CoAnnual Premium$1,456
Augusta-RichmondCheapest CompanyAuto-Owners Insurance CoAnnual Premium$1,054
ColumbusCheapest CompanyCountry FinancialAnnual Premium$1,126
Macon-BibbCheapest CompanyCountry FinancialAnnual Premium$1,133
Sandy SpringsCheapest CompanyAuto-Owners Insurance CoAnnual Premium$1,179
SavannahCheapest CompanyAuto-Owners Insurance CoAnnual Premium$1,131

Car Insurance in Georgia: What You Need to Know

Under Georgia law, all drivers must carry bodily injury liability and property damage liability insurance. Most states require these coverages.

Georgia Car Insurance Requirements

According to Georgia law, you need only bodily injury liability and property damage coverage on your policy. A policy of this type is affordable but provides limited coverage if you're 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.

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SR-22: EXPLAINED

It's common for people to say "SR-22 insurance," but SR-22 is not insurance. It's a certificate of financial responsibility proving you meet the state's established insurance requirements for high-risk drivers and must be filed with the Georgia Department of Driver Services by your auto insurer.Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

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    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 injuries others suffer. The coverage for injury to others will only be up to the maximum limit specified by your insurance company. They will be paid out of pocket in the event of additional costs.

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    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 doesn't cover damage to your car.

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

You may need comprehensive and collision insurance for financed cars and leased vehicles. 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 isn't legally required.

Car Insurance Alternatives in Georgia

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

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

FAQ: Car Insurance in Georgia

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

Which company offers the cheapest car insurance in Georgia?
Should you buy the cheapest car insurance available in Georgia?
Is uninsured motorist/underinsured motorist coverage required in Georgia?

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?
Jeffrey Diamond
Jeffrey DiamondAdjunct Professor at Atlanta's John Marshall Law School
Wendy Habegger, Ph.D.
Wendy Habegger, Ph.D.Lecturer at James M. Hull College of Business at Augusta University
Jill Duncan
Jill DuncanState Farm Insurance Agent in Carroll County, Georgia
Richard McGrath
Richard McGrathProfessor of Economics at Georgia Southern

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.