Cheapest Low-Income Car Insurance in Georgia

GEICO emerges as the dominant low-cost option for most Georgia drivers, though competition from other insurers keeps rates varied across different profiles. The company delivers the best rates for adults at $47 monthly, seniors at $45, drivers with speeding tickets at $56, those with accidents at $72, and bad credit holders at $64. Auto-Owners Insurance Co offers young drivers the most affordable option at $71, while Country Financial provides the cheapest DUI coverage at $86 per month. 

Georgia sits at 35th in national affordability rankings, with average minimum coverage running $60 per month, about $7 above the $53 national average. While Georgia costs slightly more than typical states, the variety of competitive providers helps budget-conscious drivers find affordable coverage options.*

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

Auto-Owners Insurance Co captures Georgia's budget-conscious family market across all household structures, offering married couples with teens coverage at $65 monthly, couples without teens at $51, and single parents with teens at $108 per month. Adding a teen driver to a Georgia family policy costs married couples an extra $14 monthly when staying with Auto-Owners, jumping from $51 to $65, though other insurers show steeper increases. 

Single-parent families pay substantially more than married households, with Auto-Owners charging $108 for single parents versus $65 for married couples, a $43 monthly premium reflecting the higher risk profile. Allstate provides the second-most affordable option for married couples at $57 without teens and $69 with a teen driver, while GEICO offers competitive alternatives at $58 and $85 respectively. Georgia's widest pricing spread appears in single-parent policies, where costs range from Auto-Owners' $108 to Progressive's $206, creating a $98 monthly difference between the cheapest and most expensive providers.*

*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.

Georgia residents must meet these minimum car insurance requirements: 

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability per accident

If you're leasing or financing a vehicle, you'll need 100/300/100 liability coverage along with comprehensive and collision protection.

Auto-Owners offers the cheapest minimum coverage for most low-income drivers in Georgia. High-risk drivers can find the lowest rates with COUNTRY Financial for DUIs and Auto-Owners for speeding tickets and accidents. Compare providers through different channels to find the best deal.

Low-income drivers may find it tough to get affordable car insurance. Here are answers to common questions on saving money.

Study Overview

MoneyGeek analyzed auto insurance rates using data from the Georgia Office of Insurance and Safety Fire Commissioner and Quadrant Information Services.

Data Acquisition, Depth and Analysis

MoneyGeek examined 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for low-income drivers.

Sample Driver Profile

We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Georgia:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find rates for specific drivers, we adjusted factors like age, family status, driving history and credit standing.

Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.

Coverage Levels and Deductibles

Our data shows rates for state minimum coverage, which follows the requirements set by state law, and offers affordable options for low-income drivers.