Auto-Owners offers the cheapest minimum and full coverage car insurance policy in Georgia for most drivers. Other types of drivers might find Country Financial and Allstate the cheapest options.
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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Cheapest Minimum Liability Car Insurance in Georgia (November 2023)
MoneyGeek's analysis found that the following companies offer the most affordable car insurance in Georgia for a minimum coverage policy:
- Auto-Owners: $375 per year
- Country Financial: $392 per year
State Farm has the highest average annual premium in Georgia for minimum coverage at $777, of the companies MoneyGeek reviewed.
In Georgia, auto insurance that meets the minimum requirements only covers bodily injury liability and property damage liability.
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 (November 2023)
MoneyGeek compared companies for the cheapest full coverage car insurance in Georgia and found these insurers to be the most affordable:
- Country Financial: $809 per year
- Auto-Owners: $856 per year
Progressive is the most expensive full coverage insurance provider in Georgia, at roughly $1,513 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 $434 more than a minimum coverage policy.
Full coverage car insurance provides you with a greater level of financial 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.
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
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. Learn more by selecting your age, gender and driving record below.
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Cheapest Car Insurance in Georgia by Age (November 2023)
Car insurance rates in Georgia change significantly by your age. Country Financial and Allstate offer the cheapest rates on average for various age groups and family members.
Cheapest Car Insurance in Georgia for Teens and Their Families (November 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: $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, and in most cases, a driver under the age of 18 cannot legally purchase auto insurance themselves — they require 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 rather than on an individual plan.
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, Allstate and State Farm.
Cheapest Car Insurance in Georgia for Young Adults (November 2023)
MoneyGeek's analysis indicates that the cheapest car insurance companies for full coverage in Georgia for young adults in their 20s are:
- Allstate: $1,077 per year
- Country Financial: $1,167 per year
GEICO is the least affordable for this age group, costing an average of $2,108 a year for a full coverage policy.
The cost of auto insurance for drivers in their early 20s is usually higher than the cost for drivers between 25 and 40 because of younger drivers' higher rate of accident frequency and severity. For example, for policies from the cheapest providers, it costs $268 more per year for a driver in their 20s than for one in their 40s.
Cheapest Car Insurance in Georgia for Seniors (November 2023)
Senior drivers in Georgia can get the cheapest car insurance from:
- Country Financial: $707 per year
- Auto-Owners: $916 per year
Car insurance rates for seniors are the highest at Progressive, at approximately $1,514 a year.
It is cheaper to insure a senior driver in Georgia than a middle-aged driver. It costs approximately $102 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 as risk factors begin to escalate for elderly drivers.
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 for Higher Risk Drivers (November 2023)
Country Financial is the cheapest insurer in Georgia for people with low credit scores, as well as drivers with at-fault accidents and DUIs.
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.
Auto-Owners offers the cheapest deals for drivers with sports cars and tickets.
Cheapest after a ticket: Auto-Owners ($965 per year)
Cheapest after an accident: Country Financial ($1,143 per year)
Cheapest after a DUI: Country Financial ($1,334 per year)
Cheapest for poor credit: Country Financial ($1,209 per year)
Cheapest for sports cars: Auto-Owners ($976 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:
- Auto-Owners: $965 per year
- Country Financial: $1,100 per year
The most expensive provider is Progressive, which charges $2,116 a year.
On average, a speeding ticket in Georgia can increase your insurance costs by $327.
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: $1,143 per year
- Auto-Owners: $1,202 per year
Drivers with at-fault accidents pay the most with Progressive — approximately $2,950 annually.
Having been at fault in a car accident could result in an increase of $708 to your annual premium in Georgia.
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: $1,334 per year
- Allstate: $1,356 per year
For drivers with DUIs, GEICO is the most costly auto insurance provider at approximately $4,317 per year.
DUIs drive up your Georgia insurance premium by $936 on average.
Cheapest Car Insurance in Georgia for Drivers With Poor Credit (November 2023)
For drivers in Georgia with poor credit, these companies have the most affordable car insurance:
- Country Financial: $1,209 per year
- Allstate: $1,397 per year
Insuring your car with State Farm costs the most in Georgia if you have a low credit score, at roughly $3,098 per year.
Insurers calculate your rate based on a credit-based insurance score which uses many factors to measure how well you manage your money. Car insurance in Georgia costs approximately $834 more if your credit score is below 580 compared with someone with a score of 750 or higher.
Actuarial data shows that drivers with poor credit generally 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 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 (November 2023)
If you own a sports car in Georgia, the following companies are the most affordable:
- Auto-Owners: $976 per year
- Allstate: $1,004 per year
At $2,084 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 $264 per year.
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 (November 2023)
If you are an active-duty military member or veteran, Country Financial offers the cheapest car insurance in Georgia at $809 per year.
The second-cheapest option for veterans is Auto-Owners. USAA is also available at $1,230 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.
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
- $809 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 special discounts to military personnel. However, you can benefit from other Country Financial discounts to save 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, Auto-Owners offers the lowest price for a full coverage policy in Athens–Clarke for $894 per year, whereas in Atlanta, the same policy costs $1,254 — a difference of $360.
Therefore, even when using the same provider, rates can differ based on location.
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.
It's common for people to say "SR-22 insurance," but SR-22 is not insurance: It is a certificate of financial responsibility that proves 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
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.
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 and leased vehicles, 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.
- What are the key factors drivers in Georgia should look for when searching for the best auto insurance coverage?
- What steps can drivers in Georgia take to find affordable car insurance?
- How do regulations and rules in Georgia impact insurance pricing and how consumers might shop for coverage?
Lecturer at James M. Hull College of Business at Augusta University
Clinical Associate Professor of Risk Management and Insurance at Georgia State University, Robinson College of Business
Adjunct Professor at Atlanta's John Marshall Law School
State Farm Insurance Agent in Carroll County, Georgia
Professor of Economics at Georgia Southern
About Mark Fitzpatrick