The Cheapest Car Insurance in Georgia for 2022
MoneyGeek analyzed rates and policies from leading insurers in Georgia to help identify the cheapest companies. Based on our research, GEICO offers the cheapest car insurance to the average driver in the state, with policies costing $666 per year. We also found that Georgia drivers may save up to $1,193 annually just by shopping around.
But the most affordable option may differ depending on your driver profile and desired coverage level. For example, State Farm has the lowest rates for drivers with a history of at-fault accidents, while Nationwide is the best option for drivers with poor credit.
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The Cheapest Car Insurance in Georgia
MoneyGeek also broke down the cheapest companies in Georgia by city for those looking for even more local rates and recommendations. We also picked the best car insurance in Georgia for those looking to balance service quality and cost.
Why Trust MoneyGeek? Georgia car insurance rates in this study are based on our analysis of data and information from the Georgia Department of Insurance and Quadrant Information Services.
These rates were updated in August 2022 to reflect how car insurance rates in Georgia have changed up to this month.
Cheapest Minimum Liability Car Insurance in Georgia
Auto liability insurance is mandatory for drivers in Georgia. A liability-only policy is the most affordable option and meets the state’s minimum requirements.
The cheapest car insurance companies in Georgia for minimum coverage are:
- GEICO: $666 per year
- State Farm: $720 per year
USAA is the cheapest car insurance for the military, costing around $493 per year. However, it only serves only those with a military background. Esurance is the most expensive carrier for minimum coverage, with average annual prices of $1,313.
CHEAPEST MINIMUM CAR INSURANCE IN GEORGIA
These prices are only estimates based on rates for an average Georgia driver and should not be used to compare insurance prices.
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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Cheapest Full Coverage Car Insurance in Georgia
Many factors decide which company offers the most affordable car insurance in Georgia for your specific needs. MoneyGeek ranked the most affordable companies according to comprehensive and collision coverage for the average driver. Taking the time to compare car insurance quotes can help you determine how much you could pay for insurance as you consider different providers.
The most affordable car insurance providers for full coverage in Georgia are:
- Nationwide: $1,266 per year
- Allstate: $1,287 per year
USAA is the cheapest provider at roughly $859 per year. However, USAA only serves those with a military background. The costliest carrier for full coverage is Progressive, with average rates of $2,051 per year.
CHEAPEST FULL COVERAGE CAR INSURANCE IN GEORGIA
Please remember that your individual costs will vary from these examples. Premiums are for a plan with comprehensive and collision insurance and with $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.
How to Compare Cheap Georgia Car Insurance Quotes Online
Leading insurance firms in Georgia offer a convenient online quote tool to help drivers easily get accurate quotes.
- When comparing quotes, use consistent limits that meet your needs. For example, if you get a quote from a carrier for $300,000 in bodily liability insurance per accident, you should use the same limit while comparing rates with other insurers.
- If you’re only after estimates for car insurance in your area, you can simply enter your ZIP code into MoneyGeek’s car insurance calculator. However, a personalized quote may require you to provide more detailed information about yourself.
- In Georgia, the three cheapest companies for liability coverage are USAA, GEICO and State Farm. You can begin your research by getting rates from these providers.
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Cheapest Car Insurance in Georgia for Young Drivers
Young drivers are riskier to insure as they’re typically involved in more traffic accidents than older, more experienced drivers. This results in higher insurance premiums for young drivers. For example, the average cost to insure a 16-year-old driver in Georgia is $4,696 per year, while a 25-year-old driver may only pay an average of $1,906 annually for the same policy.
Based on MoneyGeek’s analysis, Allstate offers the cheapest car insurance rates for young drivers between the ages of 16 and 25.
ANNUAL CAR INSURANCE IN GEORGIA FOR YOUNG DRIVERS
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- AgeAverage CostCheapest CompanyCompany Cost
In general, young drivers do not possess the depth of experience held by those who have been behind the wheel longer. Because of this, expect auto insurance rates to be higher for teens than adults. The table below gives a few approximate costs for young drivers in Georgia.
In Georgia, Allstate is the cheapest provider for young drivers who are 16 to 25 years old. However, premiums markedly differ, with 16-year-olds paying around $2,087 more than the average 25-year-old driver.
Cheapest Car Insurance in Georgia for Seniors
Senior drivers in Georgia are typically charged slightly higher rates by car insurers. In Georgia, senior drivers need to pay $1,621 per year on average for their car insurance compared to $1,512 for the average adult driver.
The cheapest car insurance companies in Georgia for senior drivers with full coverage are:
- Country Financial: $1,263 per year
- State Farm: $1,264 per year
USAA only charges around $989 per year but serves only those with a military background.
While Nationwide’s full coverage rates are cheaper for the average 40-year-old driver, Country Financial offers lower premiums for senior drivers.
CHEAPEST CAR INSURANCE RATES FOR SENIORS
While most seniors are competent and safe drivers, Georgia auto insurance companies sometimes charge this demographic higher rates. Factors such as the driver’s age, the type of car they drive, the amount of driving they do and their driving record all affect senior auto insurance rates. The table above shows what seniors in Georgia can expect to pay for car insurance.
Elderly drivers may face steeper auto insurance rates, but there are still opportunities to save on premiums. One of the best ways is by comparing quotes from multiple providers. Following this strategy, senior drivers in Georgia can save up to $996 in annual insurance.
Cheapest Car Insurance for Drivers With Tickets in Georgia
Even a minor driving violation like a speeding ticket can increase your auto insurance rates in Georgia. Drivers with a speeding ticket in Georgia need to shell out $1,947 per year on average as compared to $1,512 for clean drivers.
The most affordable auto insurers in Georgia for a driver with full coverage and a speeding ticket are:
- State Farm: $1,426 per year
- Allstate: $1,456 per year
USAA is the cheapest option and charges roughly $991 per year, but only serves those with a military background.
In comparison, USAA and Nationwide offer the most affordable rates for drivers with no violations.
AVERAGE CAR INSURANCE RATES WITH A TICKET
If you get a ticket in Georgia for speeding or distracted driving, finding cheap car insurance may take some extra work, but it can be done. Georgia instituted a new law in 2018 prohibiting motorists from using their cellphones while driving, causing distracted driving tickets to increase. First-time offenders must pay a $50 fine and receive a point on their license. Getting such a ticket can impact your insurance rates. The following table looks at a few approximate costs for coverage for those with tickets.
The high toll of distracted driving can add up, but it will go away in time – provided you don’t get another ticket. The Georgia Department of Driver Services assigns various points for driving infractions, but residents can obtain a points reduction of up to seven points once every five years.
Cheapest Car Insurance for Drivers With a DUI in Georgia
A severe driving offense in Georgia, like a DUI, can raise your car insurance costs. You might also need to file an SR-22. Georgia drivers with a DUI on their record are charged an average of $2,703 per year for their auto insurance coverage compared to $1,512 for those without violations.
In Georgia, the cheapest car insurance companies for a driver with a DUI and full coverage are:
- State Farm: $1,426 per year
- Allstate: $1,745 per year
USAA is the second-cheapest option at roughly $1,666 per year, but serves only those with a military background.
Although Nationwide is the second cheapest insurer for Georgia drivers with a clean record, State Farm has lower rates for those with a DUI.
AVERAGE CAR INSURANCE RATES WITH A DUI
Finding cheap car insurance with a DUI in Georgia can feel nearly impossible since there are many costs associated with a DUI. Aside from the associated fines, DUIs currently stay on your record for a decade in Georgia, after which your rates should reduce further. One way to save is by shopping around. Drivers with a DUI can save up to $3,886 per year just by comparing quotes from multiple insurers.
Cheapest in Georgia for Drivers With an At-Fault Accident
There is a significant difference in the cost of insurance for a safe driver versus a driver with an at-fault violation on their record. Drivers with a clean record pay an average of $1,512 per year on car insurance. In comparison, those with an at-fault accident on their record pay an average of $2,527 per year.
The most affordable car insurance companies for drivers with at-fault accidents on their records are:
- State Farm: $1,547 per year
- Allstate: $1,760 per year
If you belong to a military family, USAA is also an affordable option, offering an average annual insurance rate of $1,202.
CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT
Cheapest Car Insurance in Georgia for Drivers With Bad Credit
A healthy credit score can lower your car insurance costs. In Georgia, a driver with poor credit is charged an average annual rate of $2,727 for auto insurance coverage compared to $1,512 for the average driver with good credit.
The least expensive car insurance carriers for a driver with poor credit and full coverage in Georgia are:
- Nationwide: $1,759 per year
- Allstate: $1,925 per year
USAA is the cheapest option at roughly $1,501 per year but serves only those with a military background.
Nationwide and USAA also offer the cheapest full coverage for drivers with good credit.
CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT
Credit scores are an important measure insurance companies use when developing quotes because the scores help them assess an applicant’s ability to pay monthly premiums. The higher your credit score, the lower the auto insurance premiums you will likely have to pay. But even if you have bad credit, shopping around and comparing rates can help you save by as much as $1,138 in annual premiums.
Improving your credit score takes time, but it can be done. Making timely payments, keeping your credit card utilization rates down and using credit responsibly can help raise your score. Check out the above estimates on what Georgia drivers with low credit scores may have to pay for auto insurance.
Cheapest Car Insurance in Georgia for Military Drivers
USAA was rated the cheapest auto insurance company in Georgia, with an annual premium of around $455. This is roughly $211 cheaper than the next most affordable provider, GEICO. However, USAA's insurance policies are sold solely to active-duty military members, veterans and their families.
- Average rate: $455 per year
- Ranks the cheapest out of nine insurers
Of all the companies we evaluated, USAA had the cheapest insurance premiums. Eligible policyholders may take advantage of USAA's discounts to further reduce premiums. By bundling policies, taking a driver safety course, keeping a clean driving record and insuring multiple vehicles, military members can make their USAA car insurance more affordable. You can also save further by garaging your car or based on how much you drive your car in a year.
Cheapest Car Insurance in Georgia by City
The cost of your car insurance may vary depending on where you live in the state. According to MoneyGeek’s analysis, Athens has the most affordable full coverage car insurance at $1,173 per year. In comparison, drivers in Atlanta tend to pay the most for car insurance, with an average cost of $1,638 per year for a similar policy.
If you want to read up on the specifics of car insurance in your city, you can do so by clicking it.
AVERAGE INSURANCE RATE BY CITY IN GEORGIA
Car Insurance in Georgia: What You Need to Know
Here’s everything you need to know about purchasing cheap car insurance in Georgia.
Georgia Insurance Requirements
In addition to the insurance card your provider issues, your insurance policy will have to show up as active in the Electronic Insurance Compliance System's database. You can check your insurance status through the Georgia Drives e-Service portal.
Minimum car insurance is the cheapest coverage you can get in Georgia. The state’s minimum limits for liability insurance are:
- Injury liability of $25,000 per person
- Injury liability of $50,000 per accident
- Property damage liability of $25,000
Experts strongly recommend you consider higher limits and additional coverage to ensure you are adequately protected.
Drivers in Georgia may purchase Financial Responsibility Insurance as an alternative to cheap standard auto insurance.
Georgia law requires you to carry liability insurance, which only covers the other party's expenses if you cause an accident. It won't cover your medical costs or damage to your vehicle.
If you have a new vehicle with a loan, your lender will probably require that you carry collision and comprehensive insurance to cover damage to your vehicle in the event of an accident, theft or natural disaster.
Also, you may want to consider uninsured motorist coverage to protect yourself from other drivers who skirt the law. "About 20 states require drivers to purchase uninsured motorist coverage," says Michael Barry, Vice President of Media Relations at the Insurance Information Institute. "And it is a good idea to do so, even in states where it is not mandatory to do so. About 1 in 7 U.S. drivers are uninsured, so your uninsured motorist coverage gives you financial protection if you're involved in an accident with someone who meets that criterion."
FAQs About Car Insurance in Georgia
MoneyGeek answers frequently asked questions about car insurance coverages and premiums in Georgia to help drivers make an informed buying 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
Adjunct Professor, Atlanta's John Marshall Law School
Professor of Economics at Georgia Southern
Clinical Associate Professor of Risk Management and Insurance at Georgia State University, Robinson College of Business
State Farm Insurance Agent in Carroll County, Georgia
About the Author
- Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving State Fact Sheets." Accessed December 29, 2020.
- Defense Manpower Data Center. "Military and Civilian Personnel by Service/Agency by State/Country." Accessed March 9, 2020.
- Driving Laws. "DUI Laws by State." Accessed March 9, 2020.
- Georgia Department of Driver Services. "Points and Points Reduction." Accessed March 10, 2020.
- Georgia Department of Driver Services. "Senior Drivers." Accessed January 18, 2021.
- Georgia Department of Transportation. "Number of Traffic Fatalities." Accessed January 13, 2021.
- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed March 10, 2020.
- The Atlanta Journal-Constitution. "Georgia’s distracted driving law turns 1: Has anything changed?." Accessed March 10, 2020.
- The Schneider Law Firm. "How Long Will a DUI Conviction Stay On My Record?." Accessed March 9, 2020.