The Cheapest Car Insurance in Georgia (February 2023)

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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