Cheapest Car Insurance in Georgia (October 2025)


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Key Takeaways

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GEICO, Auto-Owners and Central are the cheapest car insurance companies for most Georgia drivers, with average savings of up to 36%.

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Car insurance costs can be as low as $29 for minimum coverage and $69 for full coverage policies on average in Georgia, based on our survey of major insurers for a specific driver profile.

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To locate the lowest-cost car insurance, study regional pricing and best insurance carriers in Georgia, maximize savings through discounts and compare quotes from competing providers.

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

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Cheapest Liability Only Car Insurance in Georgia

GEICO offers the cheapest liability-only car insurance in Georgia at $40 monthly or $482 annually, making it an affordable option for meeting the state's minimum requirements. Georgia's competitive market provides drivers with several budget-friendly alternatives across major insurers.

Auto-Owners ($43 monthly) follows closely behind GEICO, while Central Insurance ($57 monthly), Progressive ($61 monthly), and Mercury Insurance ($72 monthly) complete the top five affordable options. Georgia drivers have solid choices for keeping costs low while maintaining legal compliance as of October 2025.

Geico$40-36%
Auto Owners$43-34%
Central Insurance$57-16%
Progressive$61-14%
Mercury Insurance$72-6%

*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.

Georgia requires minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. These relatively standard limits keep baseline costs moderate but may leave you financially exposed in serious accidents, especially given Atlanta's heavy traffic and higher accident rates.

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GEEK SPEAK: MARK'S THOUGHTS ON LIABILITY-ONLY INSURANCE

Atlanta traffic is legendary for a reason, and those 25/50/25 limits can evaporate fast when multiple cars get tangled up on I-285. Plus, Georgia weather throws curveballs—from tornado season to ice storms that shut down the entire metro area.

Without comprehensive coverage, you're gambling against both aggressive drivers and unpredictable weather. That hailstorm that pounded Atlanta last spring? Minimum coverage drivers paid every dime of those repairs out of pocket.

Your legal requirements are covered, but consider whether these limits actually protect your finances when dealing with Georgia's unique driving challenges.

Remember, the cheapest insurer isn't necessarily the best car insurance for your specific situation. If you're considering full coverage, scroll down to see the cheapest options for full coverage in Georgia.

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$192
High
$139
Average
$87
Low

Rates updated:

Oct 02, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
Capital Insurance Group

Capital Insurance Group

94
/of 100
$87
2
GEICO

GEICO

82
/of 100
$109
3
State Farm

State Farm

83
/of 100
$118
4
Travelers

Travelers

83
/of 100
$129
5
Progressive

Progressive

79
/of 100
$133
6
Farmers

Farmers

77
/of 100
$151
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Cheapest Full Coverage Car Insurance in Georgia

GEICO continues to lead Georgia's insurance market, offering the cheapest full coverage at $101 monthly or $1,218 annually—the same company that provides the lowest minimum coverage rates. This consistency makes GEICO a reliable choice for Georgia drivers seeking comprehensive protection at competitive prices.

Auto-Owners ($104 monthly) follows closely behind, while Central Insurance ($129 monthly), Progressive ($128 monthly), and Mercury Insurance ($136 monthly) complete the top five. Georgia drivers have several affordable options for comprehensive coverage as of September 2025.

Travelers$83$993
Auto Owners$111$1,330
Geico$111$1,334
State Farm$112$1,341
Safeway Insurance$126$1,510
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LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN GEORGIA

*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Compare the Cheapest Car Insurance in Georgia for You

The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Country Financial offers the lowest rates at $164 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:

Data filtered by:Results filtered by:
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Driving Record:
Central Insurance$133$1,596-33%
Auto Owners$135$1,623-32%
Geico$142$1,703-29%
Donegal Insurance$158$1,901-21%
Safeway Insurance$167$2,001-16%
Auto Owners$95$1,136-32%
Central Insurance$133$1,596-4%
Geico$98$1,176-29%
Country Financial$126$1,517-9%
Donegal Insurance$131$1,574-5%
Auto Owners$179$2,152-36%
Allstate$207$2,481-26%
State Farm$212$2,540-24%
Country Financial$179$2,143-36%
Safeway Insurance$177$2,123-37%
Auto Owners$105$1,257-38%
Geico$117$1,405-30%
Donegal Insurance$131$1,574-22%
Country Financial$156$1,868-7%
Safeway Insurance$142$1,709-15%
Central Insurance$209$2,513-46%
Auto Owners$316$3,798-18%
Country Financial$218$2,610-44%
Geico$251$3,016-35%
Safeway Insurance$171$2,051-56%
Central Insurance$209$2,513-23%
Auto Owners$221$2,657-18%
Geico$174$2,084-36%
Country Financial$157$1,884-42%
Safeway Insurance$138$1,653-49%
Central Insurance$443$5,314-22%
Allstate$353$4,232-38%
Auto Owners$420$5,036-26%
Country Financial$222$2,661-61%
Safeway Insurance$181$2,176-68%
Central Insurance$272$3,270-16%
Auto Owners$245$2,941-25%
Geico$207$2,489-36%
Country Financial$193$2,319-41%
Safeway Insurance$146$1,751-55%
Central Insurance$133$1,596-33%
Auto Owners$143$1,717-28%
Geico$146$1,757-26%
Donegal Insurance$172$2,060-13%
Safeway Insurance$173$2,076-13%
Central Insurance$133$1,596-4%
Auto Owners$100$1,201-27%
Progressive$124$1,492-10%
Geico$101$1,214-27%
Country Financial$126$1,517-8%
Auto Owners$190$2,277-33%
Allstate$202$2,421-29%
State Farm$205$2,458-28%
Country Financial$179$2,143-37%
Safeway Insurance$184$2,202-35%
Auto Owners$111$1,330-34%
Geico$121$1,450-28%
Country Financial$156$1,868-7%
Donegal Insurance$142$1,706-15%
Safeway Insurance$148$1,773-12%
Central Insurance$209$2,513-46%
Auto Owners$335$4,017-13%
Country Financial$218$2,610-43%
Geico$259$3,112-33%
Safeway Insurance$177$2,128-54%
Central Insurance$209$2,513-22%
Progressive$232$2,778-14%
Geico$179$2,150-34%
Country Financial$157$1,884-42%
Safeway Insurance$143$1,715-47%
Central Insurance$443$5,314-23%
Progressive$428$5,131-26%
Allstate$344$4,128-40%
Country Financial$222$2,661-61%
Safeway Insurance$188$2,257-67%
Central Insurance$272$3,270-16%
Auto Owners$259$3,111-20%
Geico$214$2,568-34%
Country Financial$193$2,319-40%
Safeway Insurance$151$1,817-53%
Central Insurance$59$711-49%
Auto Owners$72$865-38%
Geico$61$729-48%
Donegal Insurance$90$1,080-22%
Country Financial$113$1,360-2%
Central Insurance$59$711-26%
Progressive$65$777-20%
Auto Owners$48$573-41%
Geico$40$484-50%
Mercury Insurance$77$929-4%
Progressive$103$1,240-32%
Auto Owners$99$1,183-36%
Allstate$123$1,480-19%
State Farm$114$1,369-25%
Country Financial$115$1,377-25%
Central Insurance$80$960-19%
Progressive$83$997-15%
Auto Owners$54$646-45%
Geico$48$579-51%
Donegal Insurance$90$1,080-8%
Central Insurance$83$990-58%
Geico$124$1,493-36%
Country Financial$130$1,558-34%
Safeway Insurance$107$1,285-45%
Donegal Insurance$152$1,821-23%
Central Insurance$83$990-39%
Auto Owners$121$1,457-10%
Geico$83$993-39%
Country Financial$95$1,146-29%
Safeway Insurance$86$1,031-36%
Central Insurance$190$2,275-26%
Progressive$203$2,432-21%
Allstate$166$1,996-35%
Country Financial$131$1,577-49%
Safeway Insurance$114$1,370-56%
Central Insurance$111$1,336-32%
Auto Owners$137$1,645-16%
Geico$99$1,186-40%
Country Financial$114$1,371-30%
Safeway Insurance$93$1,116-43%
Central Insurance$59$711-48%
Auto Owners$69$826-40%
Geico$62$749-45%
Country Financial$113$1,360-1%
Donegal Insurance$98$1,175-14%
Central Insurance$59$711-26%
Progressive$60$719-25%
Auto Owners$46$547-43%
Geico$42$498-48%
Mercury Insurance$72$858-10%
Progressive$96$1,147-38%
Auto Owners$94$1,128-39%
Allstate$121$1,452-21%
State Farm$111$1,338-27%
Country Financial$115$1,377-25%
Central Insurance$80$960-18%
Progressive$77$923-21%
Auto Owners$51$617-47%
Geico$50$595-49%
Donegal Insurance$98$1,1751%
Central Insurance$83$990-57%
Geico$128$1,535-33%
Country Financial$130$1,558-32%
Safeway Insurance$109$1,310-43%
Donegal Insurance$165$1,981-14%
Central Insurance$83$990-38%
Auto Owners$116$1,391-13%
Geico$85$1,020-36%
Country Financial$95$1,146-28%
Safeway Insurance$88$1,051-34%
Central Insurance$190$2,275-26%
Progressive$188$2,250-27%
Allstate$163$1,959-36%
Country Financial$131$1,577-49%
Safeway Insurance$116$1,397-55%
Central Insurance$111$1,336-31%
Auto Owners$131$1,569-19%
Geico$102$1,219-37%
Country Financial$114$1,371-29%
Safeway Insurance$95$1,138-41%
Central Insurance$214$2,564-24%
Auto Owners$201$2,412-28%
Geico$160$1,921-43%
Country Financial$196$2,358-30%
Donegal Insurance$242$2,910-14%
Auto Owners$141$1,687-27%
Central Insurance$214$2,56411%
Geico$111$1,327-43%
Farmers$190$2,276-2%
Country Financial$142$1,701-26%
Auto Owners$267$3,198-33%
Allstate$291$3,496-27%
State Farm$251$3,008-37%
Country Financial$200$2,404-49%
Safeway Insurance$293$3,517-26%
Auto Owners$156$1,868-34%
Geico$132$1,586-44%
Country Financial$175$2,095-25%
Donegal Insurance$201$2,409-14%
Safeway Insurance$236$2,8311%
Central Insurance$336$4,037-38%
Auto Owners$470$5,642-13%
Geico$284$3,403-47%
Country Financial$244$2,927-55%
Safeway Insurance$283$3,398-48%
Central Insurance$336$4,037-10%
Auto Owners$329$3,948-12%
Geico$196$2,351-47%
Country Financial$176$2,112-53%
Safeway Insurance$228$2,739-39%
Allstate$497$5,962-38%
Auto Owners$624$7,483-22%
Country Financial$249$2,985-69%
Geico$600$7,202-25%
Safeway Insurance$300$3,605-62%
Auto Owners$364$4,370-19%
Geico$234$2,808-48%
Country Financial$217$2,601-52%
Allstate$420$5,044-6%
Safeway Insurance$242$2,902-46%
Central Insurance$214$2,564-23%
Auto Owners$213$2,551-24%
Geico$165$1,983-41%
Country Financial$196$2,358-29%
State Farm$262$3,138-6%
Central Insurance$214$2,56411%
Auto Owners$149$1,785-23%
Geico$114$1,369-41%
Farmers$190$2,276-2%
Country Financial$142$1,701-26%
Auto Owners$282$3,383-30%
Allstate$284$3,411-29%
State Farm$243$2,910-40%
Country Financial$200$2,404-50%
Safeway Insurance$304$3,649-24%
Auto Owners$165$1,976-29%
Geico$136$1,636-42%
Allstate$240$2,8853%
Country Financial$175$2,095-25%
Donegal Insurance$218$2,611-7%
Central Insurance$336$4,037-37%
Allstate$488$5,860-9%
Country Financial$244$2,927-55%
Geico$293$3,511-45%
Safeway Insurance$294$3,525-45%
Central Insurance$336$4,037-10%
Auto Owners$348$4,176-7%
Geico$202$2,425-46%
Country Financial$176$2,112-53%
Safeway Insurance$237$2,842-36%
Allstate$485$5,816-40%
Auto Owners$660$7,915-19%
Country Financial$249$2,985-69%
Geico$619$7,431-24%
Safeway Insurance$312$3,740-62%
Auto Owners$385$4,622-14%
Geico$241$2,897-46%
Allstate$410$4,921-8%
Country Financial$217$2,601-51%
Safeway Insurance$251$3,010-44%
Central Insurance$106$1,276-36%
Auto Owners$123$1,482-26%
Geico$71$853-57%
Country Financial$131$1,569-21%
Donegal Insurance$116$1,388-30%
Central Insurance$106$1,276-7%
Auto Owners$82$981-28%
Geico$47$567-59%
Progressive$115$1,3841%
Country Financial$96$1,154-16%
Auto Owners$169$2,025-22%
Allstate$174$2,084-19%
State Farm$141$1,690-34%
Country Financial$132$1,588-38%
Geico$159$1,905-26%
Auto Owners$92$1,107-34%
Geico$56$677-59%
Country Financial$115$1,380-17%
State Farm$141$1,6901%
Donegal Insurance$116$1,388-17%
Central Insurance$148$1,776-48%
Geico$146$1,747-48%
Country Financial$150$1,797-47%
Donegal Insurance$195$2,340-31%
Safeway Insurance$178$2,141-37%
Central Insurance$148$1,776-22%
Farmers$172$2,062-10%
Geico$97$1,162-49%
Country Financial$110$1,321-42%
Safeway Insurance$143$1,717-25%
Farmers$330$3,955-9%
Allstate$234$2,812-35%
Country Financial$152$1,819-58%
Safeway Insurance$190$2,283-47%
Geico$325$3,904-10%
Central Insurance$200$2,397-14%
Geico$116$1,388-50%
Country Financial$132$1,581-43%
Safeway Insurance$155$1,859-33%
Donegal Insurance$195$2,340-16%
Central Insurance$106$1,276-35%
Auto Owners$118$1,414-28%
Geico$73$877-55%
Country Financial$131$1,569-20%
Donegal Insurance$126$1,510-23%
Central Insurance$106$1,276-6%
Progressive$107$1,280-5%
Auto Owners$78$936-31%
Geico$49$583-57%
Country Financial$96$1,154-15%
Progressive$170$2,043-21%
Auto Owners$161$1,932-25%
State Farm$138$1,651-36%
Country Financial$132$1,588-38%
Geico$163$1,959-24%
Auto Owners$88$1,056-36%
Geico$58$696-58%
Progressive$137$1,6440%
Country Financial$115$1,380-16%
Donegal Insurance$126$1,510-8%
Central Insurance$148$1,776-46%
Geico$150$1,797-46%
Country Financial$150$1,797-46%
Safeway Insurance$182$2,183-34%
Donegal Insurance$212$2,545-23%
Central Insurance$148$1,776-21%
Farmers$172$2,062-8%
Geico$100$1,194-47%
Country Financial$110$1,321-41%
Safeway Insurance$146$1,751-22%
Progressive$334$4,009-7%
Farmers$330$3,955-8%
Allstate$230$2,760-36%
Country Financial$152$1,819-58%
Safeway Insurance$194$2,327-46%
Central Insurance$200$2,397-12%
Allstate$197$2,364-13%
Geico$119$1,427-48%
Country Financial$132$1,581-42%
Safeway Insurance$158$1,896-31%
Central Insurance$257$3,085-55%
Auto Owners$302$3,626-47%
Country Financial$340$4,081-40%
Geico$389$4,664-31%
Safeway Insurance$483$5,792-15%
Central Insurance$257$3,085-32%
Auto Owners$211$2,537-44%
Country Financial$245$2,945-35%
Allstate$363$4,355-4%
Geico$268$3,221-29%
Auto Owners$401$4,808-49%
Allstate$480$5,764-39%
State Farm$504$6,044-36%
Country Financial$347$4,161-56%
Safeway Insurance$512$6,144-35%
Central Insurance$335$4,015-28%
Auto Owners$234$2,808-50%
Allstate$406$4,876-12%
Geico$321$3,848-31%
Country Financial$302$3,625-35%
Central Insurance$405$4,858-63%
Auto Owners$707$8,483-36%
Country Financial$422$5,066-62%
Geico$688$8,260-38%
Safeway Insurance$495$5,936-55%
Central Insurance$405$4,858-45%
Auto Owners$495$5,936-33%
Country Financial$305$3,656-59%
Geico$475$5,705-36%
Safeway Insurance$399$4,785-46%
Central Insurance$856$10,273-47%
Allstate$819$9,830-49%
Auto Owners$938$11,250-42%
Country Financial$430$5,166-73%
Safeway Insurance$525$6,297-67%
Central Insurance$527$6,321-42%
Auto Owners$548$6,570-39%
Country Financial$375$4,501-58%
Geico$568$6,815-37%
Safeway Insurance$422$5,069-53%
Central Insurance$257$3,085-54%
Auto Owners$320$3,835-43%
Allstate$472$5,664-16%
Country Financial$340$4,081-39%
Geico$401$4,812-28%
Central Insurance$257$3,085-32%
Auto Owners$224$2,683-41%
Country Financial$245$2,945-35%
Allstate$354$4,248-6%
Geico$277$3,324-26%
Auto Owners$424$5,086-47%
Allstate$469$5,623-42%
State Farm$487$5,849-39%
Country Financial$347$4,161-57%
Safeway Insurance$531$6,374-34%
Central Insurance$335$4,015-27%
Auto Owners$248$2,970-46%
Allstate$396$4,757-14%
Country Financial$302$3,625-34%
Geico$331$3,970-28%
Central Insurance$405$4,858-63%
Auto Owners$748$8,973-32%
Country Financial$422$5,066-61%
Geico$710$8,522-35%
Safeway Insurance$513$6,158-53%
Central Insurance$405$4,858-45%
Auto Owners$523$6,278-29%
Country Financial$305$3,656-59%
Geico$491$5,887-34%
Safeway Insurance$414$4,964-44%
Central Insurance$856$10,273-48%
Auto Owners$123$1,474-44%
Allstate$799$9,589-51%
Auto Owners$992$11,900-40%
Country Financial$430$5,166-74%
Safeway Insurance$544$6,533-67%
Central Insurance$527$6,321-41%
Auto Owners$579$6,949-35%
Country Financial$375$4,501-58%
Geico$586$7,032-35%
Safeway Insurance$438$5,258-51%
Central Insurance$125$1,499-62%
Auto Owners$186$2,227-44%
Geico$180$2,161-46%
Country Financial$214$2,570-35%
Donegal Insurance$235$2,817-29%
Central Insurance$125$1,499-43%
Geico$120$1,437-46%
Allstate$211$2,528-4%
Country Financial$157$1,889-28%
Central Insurance$287$3,443-32%
Auto Owners$254$3,044-40%
Allstate$272$3,264-36%
Country Financial$217$2,601-49%
State Farm$283$3,391-33%
Central Insurance$169$2,023-38%
Auto Owners$139$1,664-49%
Allstate$233$2,796-15%
Geico$143$1,716-48%
Country Financial$188$2,260-31%
Central Insurance$174$2,087-69%
Allstate$373$4,474-34%
Country Financial$245$2,943-57%
Geico$369$4,429-35%
Safeway Insurance$296$3,547-48%
Central Insurance$174$2,087-53%
Allstate$284$3,411-24%
Country Financial$180$2,164-52%
Geico$245$2,944-34%
Safeway Insurance$237$2,846-36%
Central Insurance$399$4,794-44%
Allstate$367$4,405-49%
Auto Owners$646$7,746-10%
Country Financial$248$2,979-65%
Safeway Insurance$315$3,783-56%
Central Insurance$235$2,816-49%
Allstate$314$3,773-31%
Country Financial$216$2,589-53%
Geico$293$3,516-36%
Safeway Insurance$257$3,081-44%
Central Insurance$125$1,499-61%
Auto Owners$177$2,125-45%
Geico$185$2,222-43%
Country Financial$214$2,570-34%
Donegal Insurance$255$3,065-21%
Central Insurance$125$1,499-43%
Auto Owners$117$1,407-46%
Geico$123$1,477-43%
Allstate$207$2,481-5%
Country Financial$157$1,889-28%
Central Insurance$287$3,443-32%
Auto Owners$242$2,905-43%
Allstate$267$3,203-37%
State Farm$276$3,313-35%
Country Financial$217$2,601-49%
Central Insurance$169$2,023-37%
Auto Owners$132$1,588-51%
Allstate$229$2,744-15%
Geico$147$1,764-45%
Country Financial$188$2,260-30%
Central Insurance$174$2,087-68%
Allstate$366$4,390-34%
Country Financial$245$2,943-55%
Geico$379$4,553-31%
Safeway Insurance$301$3,617-45%
Central Insurance$174$2,087-52%
Allstate$279$3,347-24%
Country Financial$180$2,164-51%
Geico$252$3,027-31%
Safeway Insurance$242$2,901-34%
Central Insurance$399$4,794-44%
Allstate$360$4,322-50%
Auto Owners$616$7,392-14%
Country Financial$248$2,979-65%
Safeway Insurance$321$3,857-55%
Central Insurance$235$2,816-48%
Allstate$309$3,702-31%
Country Financial$216$2,589-52%
Geico$301$3,615-33%
Safeway Insurance$262$3,141-42%

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in Georgia by City

Where you live in Georgia affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $29 in Moody AFB but Auto-Owners charges $66 in McDonough. Here are the cheapest providers for every Georgia city.

The table lists the lowest-cost provider in Georgia’s biggest cities:

Data filtered by:Results filtered by:
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City:
AtlantaAuto Owners$61-37%$-58
ColumbusGeico$43-39%$-47
SavannahAuto Owners$53-38%$-51
Sandy SpringsGeico$41-46%$-60
RoswellGeico$40-45%$-55
Warner RobinsGeico$44-35%$-41
Johns CreekAuto Owners$47-41%$-51
AlbanyGeico$39-34%$-34
AlpharettaGeico$37-47%$-57
MariettaAuto Owners$50-41%$-56
SmyrnaAuto Owners$52-38%$-51
DunwoodyGeico$40-48%$-63
NewnanAuto Owners$54-33%$-42
GainesvilleGeico$37-38%$-39
Peachtree CityAuto Owners$43-37%$-40
DouglasvilleAuto Owners$55-36%$-50
KennesawGeico$42-41%$-51
CantonGeico$36-45%$-50
DuluthAuto Owners$52-40%$-56
RedanAuto Owners$63-42%$-72
LawrencevilleAuto Owners$53-39%$-54
StockbridgeAuto Owners$58-33%$-47
Union CityAuto Owners$60-41%$-66
CarrolltonGeico$37-45%$-51
Sugar HillAuto Owners$46-41%$-52
DecaturAuto Owners$61-41%$-68
GriffinGeico$40-43%$-51
CartersvilleAuto Owners$49-30%$-34
Candler-McAfeeAuto Owners$63-43%$-74
AcworthGeico$42-39%$-47
SuwaneeAuto Owners$47-43%$-57
SnellvilleAuto Owners$57-36%$-50
ConyersAuto Owners$58-35%$-49
BufordAuto Owners$48-41%$-52
FayettevilleAuto Owners$49-38%$-47
StatesboroGeico$36-39%$-41
ValdostaGeico$32-40%$-37
HinesvilleGeico$37-37%$-38
DaltonGeico$35-39%$-37
RomeGeico$36-42%$-45
WoodstockGeico$42-39%$-45
PoolerGeico$39-42%$-49
MiltonGeico$36-48%$-56
AbbevilleAuto Owners$41-29%$-27
AdairsvilleAuto Owners$44-30%$-30
AdelAuto Owners$38-31%$-27
AdrianGeico$37-35%$-34
AileyGeico$37-32%$-30
AlamoGeico$37-35%$-35
AlapahaGeico$35-33%$-29
AllentownAuto Owners$45-30%$-32
AlmaGeico$36-36%$-34
AlstonGeico$36-37%$-37
AmbroseGeico$35-34%$-30
AmericusGeico$36-34%$-31
AndersonvilleAuto Owners$42-27%$-25
ApplingGeico$32-45%$-44
ArabiAuto Owners$40-30%$-28
AragonAuto Owners$46-35%$-38
ArgyleGeico$35-34%$-31
ArlingtonAuto Owners$40-30%$-27
ArmucheeGeico$37-38%$-39
ArnoldsvilleGeico$36-36%$-35
AshburnGeico$36-32%$-29
AthensGeico$37-39%$-41
AttapulgusGeico$32-40%$-36
AuburnGeico$45-36%$-43
AugustaGeico$40-41%$-48
AustellAuto Owners$56-39%$-56
AveraGeico$32-43%$-41
Avondale EstatesGeico$43-52%$-81
AxsonGeico$35-34%$-30
BacontonGeico$36-33%$-30
BainbridgeGeico$32-40%$-37
BaldwinGeico$35-35%$-33
Ball GroundGeico$36-44%$-49
BarnesvilleGeico$42-33%$-35
BarneyGeico$32-39%$-35
BartowGeico$37-34%$-32
BarwickGeico$34-37%$-35
BaxleyGeico$36-36%$-35
BellvilleGeico$35-39%$-38
BerlinGeico$35-36%$-35
BethlehemGeico$45-35%$-42
BishopAuto Owners$43-32%$-32
BlackshearGeico$34-38%$-35
BlairsvilleGeico$36-36%$-34
BlakelyGeico$32-41%$-37
BloomingdaleGeico$39-41%$-47
Blue RidgeGeico$36-35%$-34
BlufftonAuto Owners$39-32%$-29
BogartGeico$34-40%$-39
BolingbrokeGeico$42-36%$-41
BonaireGeico$36-38%$-38
BonevilleGeico$30-50%$-50
BostonGeico$32-38%$-34
BostwickAuto Owners$45-32%$-33
BowdonGeico$37-44%$-49
Bowdon JunctionGeico$37-44%$-50
BowersvilleGeico$34-38%$-37
BowmanGeico$32-39%$-36
Box SpringsAuto Owners$45-30%$-30
BraseltonGeico$36-43%$-48
BremenAuto Owners$44-37%$-42
BrinsonGeico$32-40%$-37
BristolGeico$36-35%$-32
BronwoodAuto Owners$44-29%$-28
BrookfieldGeico$36-34%$-32
BrookletGeico$35-42%$-43
BrooksGeico$39-41%$-46
BroxtonGeico$35-35%$-31
BrunswickGeico$32-41%$-39
BuchananAuto Owners$45-35%$-39
BuckheadGeico$35-38%$-37
Buena VistaGeico$38-34%$-33
ButlerAuto Owners$45-29%$-30
ByromvilleAuto Owners$43-28%$-26
ByronGeico$37-36%$-37
CadwellGeico$36-36%$-36
CairoGeico$32-40%$-37
CalhounAuto Owners$42-32%$-31
CalvaryGeico$31-44%$-41
CamakGeico$32-43%$-42
CamillaGeico$35-34%$-30
CanonGeico$32-39%$-35
CarltonGeico$34-38%$-36
CarnesvilleGeico$33-38%$-35
CassvilleAuto Owners$47-37%$-44
CataulaGeico$37-35%$-35
Cave SpringGeico$39-37%$-39
CecilAuto Owners$37-37%$-34
Cedar SpringsGeico$32-43%$-42
CedartownGeico$39-37%$-40
CentervilleGeico$41-33%$-35
ChatsworthGeico$35-37%$-35
Chattanooga ValleyGeico$35-38%$-36
ChaunceyGeico$36-35%$-33
Cherry LogGeico$36-36%$-35
ChesterGeico$36-34%$-32
Chestnut MountainGeico$36-39%$-40
ChickamaugaAuto Owners$37-37%$-35
ChulaProgressive$41-28%$-25
CiscoGeico$35-39%$-39
ClarkdaleAuto Owners$55-37%$-51
ClarkesvilleGeico$34-36%$-34
ClarkstonAuto Owners$62-43%$-76
ClaxtonGeico$35-36%$-34
ClaytonGeico$35-36%$-33
ClermontGeico$37-34%$-33
ClevelandGeico$35-38%$-37
ClimaxGeico$32-40%$-37
ClinchfieldGeico$35-41%$-42
ClyoGeico$40-36%$-38
CobbAuto Owners$42-30%$-28
CobbtownGeico$35-36%$-34
CochranGeico$36-34%$-32
CohuttaGeico$35-38%$-37
ColbertGeico$35-40%$-40
ColemanAuto Owners$41-29%$-27
College ParkAuto Owners$62-39%$-64
CollinsGeico$35-35%$-33
ColquittGeico$32-40%$-36
ComerGeico$32-43%$-42
CommerceGeico$36-39%$-39
ConcordGeico$40-33%$-35
ConleyAuto Owners$61-36%$-54
CoolidgeGeico$34-36%$-32
CoosaGeico$36-49%$-59
CordeleGeico$38-30%$-27
CorneliaGeico$34-38%$-35
CottonGeico$35-35%$-33
CovingtonAuto Owners$54-33%$-42
CrandallGeico$35-38%$-37
CrawfordGeico$36-39%$-38
CrawfordvilleGeico$32-41%$-37
CrescentGeico$35-42%$-43
CullodenAuto Owners$46-33%$-35
CummingGeico$37-43%$-49
CussetaGeico$38-40%$-43
CuthbertAuto Owners$39-30%$-27
DaculaGeico$45-40%$-51
DahlonegaGeico$37-37%$-37
DaisyGeico$35-39%$-39
DallasAuto Owners$50-36%$-45
DamascusGeico$32-39%$-35
DanielsvilleGeico$34-40%$-39
DanvilleAuto Owners$44-31%$-32
DarienGeico$33-42%$-41
DavisboroGeico$37-34%$-33
DawsonProgressive$42-29%$-26
DawsonvilleGeico$37-38%$-39
DearingGeico$30-44%$-40
DemorestGeico$34-38%$-36
DentonGeico$39-32%$-31
De SotoAuto Owners$42-28%$-27
Dewy RoseGeico$32-39%$-36
DexterGeico$36-38%$-38
DixieGeico$34-36%$-33
DoerunGeico$35-35%$-32
DonalsonvilleGeico$33-36%$-32
DouglasGeico$35-35%$-32
DoverGeico$40-34%$-35
Druid HillsGeico$41-45%$-58
Dry BranchAuto Owners$46-39%$-48
DublinGeico$36-38%$-39
DudleyGeico$36-38%$-39
Du PontGeico$32-38%$-33
EastanolleeGeico$32-44%$-44
East DublinGeico$36-37%$-37
EastmanGeico$36-33%$-31
East PointAuto Owners$64-39%$-66
EatontonGeico$35-40%$-40
EdenGeico$37-41%$-44
EdisonAuto Owners$40-31%$-29
ElbertonGeico$32-37%$-33
ElkoGeico$35-39%$-39
EllabellGeico$37-42%$-46
EllavilleAuto Owners$43-32%$-32
EllentonGeico$35-37%$-35
EllenwoodAuto Owners$63-37%$-58
EllerslieGeico$37-36%$-36
EllijayGeico$36-37%$-37
EmersonAuto Owners$46-34%$-38
EnigmaGeico$35-33%$-30
EpworthGeico$36-35%$-34
Esom HillGeico$39-40%$-46
EtonGeico$35-41%$-41
EvansGeico$32-47%$-48
FairburnGeico$51-42%$-62
FairmountGeico$36-37%$-37
FargoGeico$31-38%$-33
FarmingtonGeico$33-44%$-45
FeltonAuto Owners$46-31%$-33
FitzgeraldGeico$35-32%$-28
FlemingGeico$37-37%$-37
FlovillaAuto Owners$48-32%$-36
Flowery BranchGeico$36-39%$-39
FolkstonGeico$33-39%$-36
Forest ParkAuto Owners$61-37%$-59
ForsythGeico$41-35%$-38
Fort GainesAuto Owners$39-31%$-29
Fort OglethorpeGeico$35-37%$-36
FortsonGeico$37-39%$-42
Fort StewartGeico$37-39%$-41
Fort ValleyGeico$37-36%$-36
FowlstownGeico$32-40%$-37
FranklinGeico$39-37%$-39
Franklin SpringsGeico$32-46%$-47
Garden CityGeico$39-45%$-55
GarfieldGeico$37-39%$-41
GayGeico$42-35%$-38
GenevaAuto Owners$45-32%$-34
GeorgetownProgressive$43-32%$-30
GibsonGeico$32-43%$-41
GillsvilleGeico$36-38%$-38
GirardGeico$41-35%$-37
GlennGeico$41-36%$-40
GlennvilleGeico$35-37%$-36
GlenwoodGeico$37-33%$-32
Good HopeAuto Owners$45-35%$-39
GordonGeico$36-44%$-49
GoughGeico$32-45%$-46
GracewoodAuto Owners$42-37%$-40
GrantvilleGeico$42-32%$-34
GrayAuto Owners$47-35%$-40
GraysonAuto Owners$56-36%$-50
GraysvilleGeico$35-39%$-39
GreensboroGeico$32-43%$-41
GreenvilleGeico$42-31%$-32
GrovetownGeico$32-46%$-46
GuytonGeico$34-44%$-47
HaddockAuto Owners$48-33%$-37
HaganGeico$35-39%$-39
HahiraGeico$30-40%$-35
HamiltonAuto Owners$45-29%$-30
HamptonAuto Owners$53-38%$-52
HaralsonGeico$38-41%$-46
HarlemGeico$30-48%$-46
HarrisonGeico$37-37%$-38
HartsfieldGeico$35-34%$-32
HartwellGeico$32-39%$-36
HawkinsvilleAuto Owners$41-28%$-26
HazlehurstGeico$36-36%$-35
HelenGeico$36-36%$-34
HelenaGeico$37-35%$-34
HiawasseeGeico$35-34%$-31
High ShoalsAuto Owners$44-34%$-36
HillsboroGeico$44-30%$-33
HiramAuto Owners$52-36%$-47
HobokenGeico$34-39%$-37
HogansvilleAuto Owners$44-33%$-35
HomerGeico$35-38%$-37
HomervilleGeico$35-31%$-27
HortenseGeico$33-40%$-38
HoschtonGeico$36-42%$-46
HowardAuto Owners$47-31%$-34
HullGeico$35-41%$-42
IdealAuto Owners$45-28%$-28
IlaGeico$34-44%$-47
Iron CityGeico$32-39%$-35
IrwintonGeico$36-40%$-41
JacksonGeico$44-33%$-38
JacksonvilleGeico$39-31%$-31
JakinGeico$32-39%$-35
JasperGeico$36-40%$-41
JeffersonGeico$36-40%$-42
JeffersonvilleAuto Owners$46-32%$-34
Jekyll IslandGeico$32-41%$-39
JenkinsburgGeico$44-35%$-40
JerseyAuto Owners$56-31%$-41
JesupGeico$34-41%$-41
JewellGeico$32-42%$-39
JonesboroAuto Owners$59-39%$-61
JulietteAuto Owners$47-32%$-35
Junction CityAuto Owners$46-31%$-33
KathleenGeico$36-37%$-37
KeysvilleGeico$32-46%$-47
Kings Bay BaseGeico$32-40%$-37
KingslandGeico$32-41%$-39
KingstonAuto Owners$47-31%$-34
KiteGeico$35-40%$-40
KnoxvilleAuto Owners$44-30%$-30
LaFayetteGeico$35-38%$-36
LagrangeGeico$39-35%$-36
LakelandGeico$32-38%$-33
LakemontGeico$35-35%$-32
Lake ParkGeico$29-41%$-35
LavoniaGeico$34-36%$-34
LearyAuto Owners$42-31%$-29
LebanonGeico$36-47%$-54
LeesburgGeico$36-35%$-33
LenoxGeico$35-30%$-26
LeslieAuto Owners$42-28%$-26
LexingtonGeico$34-38%$-36
LilburnAuto Owners$56-37%$-53
LillyAuto Owners$44-31%$-32
LincolntonGeico$32-43%$-41
LindaleGeico$40-36%$-39
Lithia SpringsAuto Owners$55-38%$-54
LithoniaAuto Owners$64-41%$-70
LizellaGeico$42-38%$-43
Locust GroveAuto Owners$51-38%$-50
LoganvilleCentral Insurance$54-31%$-40
Lookout MountainGeico$35-38%$-37
LouisvilleGeico$32-43%$-42
LouvaleProgressive$43-35%$-35
LudowiciAuto Owners$41-38%$-39
LulaGeico$37-34%$-33
Lumber CityGeico$36-37%$-36
LumpkinAuto Owners$41-32%$-31
LuthersvilleAuto Owners$44-32%$-34
LyerlyGeico$36-42%$-45
LyonsGeico$36-34%$-33
MabletonAuto Owners$55-37%$-52
MaconGeico$48-37%$-49
MadisonGeico$35-40%$-39
ManassasGeico$35-36%$-33
ManchesterGeico$40-34%$-36
ManorGeico$35-34%$-30
MansfieldAuto Owners$51-29%$-34
Marble HillGeico$35-42%$-44
MarshallvilleGeico$35-37%$-36
MartinGeico$36-37%$-36
MartinezGeico$36-40%$-40
MatthewsGeico$32-44%$-44
MaukAuto Owners$44-31%$-32
MaxeysGeico$34-42%$-43
MaysvilleGeico$37-37%$-37
McCaysvilleGeico$36-34%$-33
McdonoughAuto Owners$66-36%$-56
Mc IntyreAuto Owners$47-30%$-33
McRaeGeico$37-34%$-33
MeansvilleGeico$40-33%$-34
MeigsGeico$34-36%$-34
MeldrimGeico$39-38%$-41
MenloGeico$36-40%$-42
MeridianGeico$35-42%$-44
MershonGeico$34-39%$-37
MesenaGeico$30-48%$-48
MetterGeico$35-36%$-34
MidvilleGeico$35-40%$-41
MidwayGeico$34-43%$-45
MilanAuto Owners$42-30%$-28
MilledgevilleAuto Owners$46-35%$-39
MillenProgressive$46-32%$-33
MillwoodGeico$35-35%$-32
MilnerGeico$40-37%$-41
Mineral BluffGeico$36-34%$-32
MitchellGeico$32-44%$-43
MolenaGeico$40-33%$-33
MonroeAuto Owners$50-32%$-37
MontezumaAuto Owners$42-29%$-28
MonticelloGeico$46-29%$-32
MontroseGeico$36-38%$-38
Moody AFBGeico$29-42%$-36
MorelandAuto Owners$44-32%$-34
MorganAuto Owners$40-31%$-29
MorgantonGeico$36-34%$-31
MorrisProgressive$43-32%$-30
MorrowAuto Owners$63-35%$-55
MorvenGeico$32-39%$-35
MoultrieGeico$35-35%$-32
Mountain CityGeico$35-39%$-38
Mount AiryGeico$34-37%$-34
Mount BerryGeico$36-43%$-47
Mount VernonGeico$37-32%$-30
MurrayvilleGeico$37-35%$-34
MusellaGeico$42-34%$-36
MysticGeico$35-37%$-35
NahuntaGeico$34-38%$-36
NashvilleGeico$35-32%$-28
NaylorGeico$32-37%$-32
NelsonGeico$36-45%$-51
NewbornAuto Owners$49-30%$-33
NewingtonAuto Owners$46-32%$-35
NewingtonGeico$43-32%$-35
NewtonProgressive$44-33%$-33
NichollsGeico$35-35%$-32
NicholsonGeico$35-40%$-40
NorcrossAuto Owners$52-38%$-52
Norman ParkGeico$35-34%$-31
NorristownGeico$37-39%$-42
North AtlantaGeico$40-48%$-64
North DecaturGeico$43-47%$-66
North MetroAuto Owners$51-35%$-43
NorwoodGeico$32-43%$-41
NunezGeico$37-39%$-41
OakfieldAuto Owners$43-29%$-28
OakmanGeico$36-41%$-42
OakwoodGeico$37-38%$-39
OchlockneeGeico$34-35%$-31
OcillaGeico$35-31%$-27
OconeeGeico$36-44%$-48
OdumGeico$35-39%$-39
OffermanGeico$33-42%$-41
OglethorpeAuto Owners$44-27%$-26
OliverGeico$40-39%$-44
OmahaProgressive$43-33%$-32
OmegaGeico$36-30%$-27
Orchard HillGeico$40-42%$-50
OxfordAuto Owners$54-30%$-37
PalmettoGeico$36-54%$-72
ParrottAuto Owners$42-27%$-25
PattersonGeico$33-40%$-38
PavoGeico$34-36%$-32
PearsonGeico$35-35%$-32
PelhamGeico$35-33%$-30
PembrokeGeico$36-40%$-41
PendergrassGeico$37-39%$-40
PerkinsGeico$41-33%$-34
PerryGeico$35-39%$-39
PinehurstAuto Owners$44-25%$-24
Pine LakeAuto Owners$60-37%$-57
Pine MountainAuto Owners$43-30%$-30
Pine Mountain ValleyAuto Owners$44-30%$-30
PineviewAuto Owners$42-28%$-27
PittsAuto Owners$40-29%$-26
PlainsAuto Owners$42-28%$-26
PlainvilleAuto Owners$42-32%$-32
PortalGeico$35-40%$-39
PorterdaleAuto Owners$54-31%$-39
PoulanGeico$35-32%$-29
Powder SpringsAuto Owners$53-41%$-59
PulaskiGeico$35-42%$-43
QuitmanGeico$32-37%$-32
Rabun GapGeico$35-35%$-33
RangerGeico$36-37%$-37
RaoulGeico$37-36%$-36
Ray CityGeico$30-42%$-38
RayleGeico$34-39%$-37
RebeccaAuto Owners$41-26%$-24
Red OakCentral Insurance$48-46%$-67
RegisterGeico$35-39%$-38
ReidsvilleGeico$35-35%$-32
RentzGeico$36-38%$-38
ResacaAuto Owners$42-30%$-29
RexAuto Owners$62-34%$-51
ReynoldsAuto Owners$45-28%$-28
RhineGeico$39-27%$-26
RiceboroGeico$38-34%$-35
RichlandProgressive$43-32%$-31
Richmond HillGeico$34-47%$-51
RinconGeico$38-39%$-42
RinggoldAuto Owners$37-38%$-37
Rising FawnGeico$36-37%$-37
RiverdaleAuto Owners$62-38%$-61
RobertaAuto Owners$46-27%$-28
RochelleAuto Owners$40-30%$-28
RockledgeGeico$36-38%$-38
RockmartAuto Owners$48-34%$-39
Rock SpringGeico$34-39%$-38
Rocky FaceGeico$35-38%$-37
Rocky FordProgressive$46-33%$-34
RoopvilleGeico$37-42%$-45
RossvilleAuto Owners$36-40%$-38
RoystonGeico$32-40%$-38
RupertAuto Owners$44-30%$-31
RutledgeAuto Owners$46-29%$-30
RydalGeico$37-40%$-42
Sale CityGeico$35-35%$-33
SandersvilleGeico$36-37%$-36
Sapelo IslandGeico$35-41%$-42
SardisGeico$41-32%$-34
SargentGeico$41-43%$-53
SasserProgressive$42-33%$-33
Sautee NacoocheeGeico$35-36%$-34
ScotlandGeico$37-39%$-41
ScottdaleAuto Owners$60-43%$-71
ScrevenGeico$35-38%$-37
Sea IslandGeico$32-41%$-39
SenoiaGeico$38-36%$-37
SevilleAuto Owners$40-35%$-35
Shady DaleAuto Owners$47-31%$-34
SharonGeico$32-47%$-48
SharpsburgAuto Owners$43-38%$-42
ShellmanAuto Owners$41-30%$-27
ShilohAuto Owners$43-33%$-34
SiloamGeico$32-47%$-49
Silver CreekGeico$40-36%$-38
Skidaway IslandGeico$39-41%$-47
Sky ValleyGeico$35-37%$-35
SmarrAuto Owners$46-32%$-35
SmithvilleAuto Owners$42-27%$-26
Social CircleAuto Owners$49-32%$-37
SopertonGeico$39-31%$-31
SparksGeico$35-31%$-27
SpartaAuto Owners$44-30%$-31
SpringfieldGeico$38-38%$-39
StapletonGeico$32-43%$-41
StatenvilleGeico$31-39%$-34
StathamGeico$37-43%$-48
StephensGeico$34-38%$-36
St. GeorgeGeico$35-41%$-40
StillmoreGeico$38-37%$-38
St. MarysGeico$32-40%$-37
StocktonGeico$32-38%$-33
Stone MountainAuto Owners$58-44%$-73
St. SimonsGeico$32-40%$-38
SuchesGeico$36-36%$-35
Sugar ValleyGeico$36-35%$-33
SummervilleGeico$37-35%$-34
SumnerGeico$35-35%$-33
Sunny SideGeico$40-44%$-54
SurrencyGeico$35-37%$-36
SwainsboroGeico$37-37%$-38
SycamoreGeico$36-32%$-29
SylvaniaAuto Owners$44-34%$-37
SylvesterGeico$35-35%$-33
TalbottonAuto Owners$44-31%$-31
Talking RockGeico$36-39%$-39
TallapoosaGeico$37-40%$-42
Tallulah FallsGeico$35-40%$-41
TalmoGeico$36-41%$-42
TarrytownGeico$37-33%$-31
TateGeico$36-41%$-42
TaylorsvilleAuto Owners$47-32%$-36
TempleAuto Owners$48-37%$-44
TenngaGeico$35-38%$-37
TennilleGeico$36-37%$-36
The RockGeico$42-32%$-34
ThomastonGeico$40-35%$-38
ThomasvilleGeico$32-39%$-35
ThomsonGeico$30-44%$-40
TiftonAuto Owners$39-31%$-28
TigerGeico$35-35%$-32
TignallGeico$34-38%$-36
ToccoaGeico$35-37%$-36
Toccoa FallsGeico$35-41%$-42
ToomsboroGeico$36-38%$-39
TownsendGeico$35-40%$-40
TrentonGeico$36-38%$-38
TrionGeico$37-38%$-39
TuckerAuto Owners$57-38%$-57
Tunnel HillGeico$34-40%$-39
TurinGeico$38-43%$-50
TurnervilleGeico$34-38%$-37
Twin CityGeico$38-34%$-33
Tybee IslandGeico$39-41%$-46
TyroneAuto Owners$48-36%$-43
Ty TyGeico$38-28%$-25
UnadillaAuto Owners$42-27%$-25
Union PointGeico$34-37%$-34
UpatoiGeico$36-42%$-45
UvaldaGeico$36-34%$-32
VarnellGeico$35-40%$-40
VidaliaGeico$36-35%$-33
ViennaAuto Owners$43-26%$-24
Villa RicaAuto Owners$50-34%$-41
ViningsGeico$42-45%$-58
WacoGeico$37-43%$-47
WadleyGeico$35-38%$-37
WaleskaGeico$50-37%$-53
WalthourvilleGeico$37-38%$-39
WaresboroGeico$35-37%$-35
Warm SpringsAuto Owners$42-33%$-33
WarrentonGeico$32-40%$-37
WarthenGeico$37-34%$-34
WarwickAuto Owners$42-28%$-26
WashingtonGeico$32-42%$-40
WatkinsvilleGeico$33-40%$-38
WaverlyGeico$34-38%$-36
Waverly HallAuto Owners$42-33%$-33
WaycrossGeico$34-36%$-32
WaynesboroGeico$38-38%$-40
WaynesvilleGeico$34-42%$-41
Webster CountyAuto Owners$42-27%$-26
West GreenGeico$35-34%$-31
WestonAuto Owners$42-26%$-24
West PointGeico$39-34%$-35
WhighamGeico$32-40%$-36
WhiteGeico$37-42%$-45
White OakGeico$34-38%$-36
White PlainsGeico$32-45%$-45
WhitesburgGeico$38-47%$-56
WildwoodGeico$35-38%$-37
WileyGeico$35-38%$-36
WillacoocheeGeico$35-34%$-31
WilliamsonGeico$40-34%$-36
Wilmington IslandGeico$39-42%$-48
WinderGeico$46-34%$-41
WinstonAuto Owners$52-37%$-48
WintervilleGeico$34-40%$-38
WoodbineGeico$32-40%$-37
WoodburyGeico$40-32%$-33
WoodlandAuto Owners$43-30%$-30
WrayGeico$35-34%$-30
WrensGeico$32-44%$-44
WrightsvilleGeico$37-36%$-36
YatesvilleAuto Owners$48-29%$-31
Young HarrisGeico$36-34%$-31
ZebulonGeico$40-34%$-35

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Cheapest Car Insurance in Georgia By Driver Age Group

We analyzed car insurance rates across Georgia for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:

  • Young drivers can get the lowest rates from Auto-Owners, starting at $117 per month
  • Adult drivers find the best deals with GEICO, with rates from $42 per month
  • Senior drivers see the most affordable coverage through GEICO, beginning at $49 per month

Cheapest Car Insurance for Young Drivers in Georgia

Young drivers in Georgia get their best rates from Auto-Owners. Minimum coverage costs $117 per month, saving drivers 46% compared to other providers. Auto-Owners also leads for full coverage at $224 monthly, saving young drivers 41%.

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Driving Record:
Allstate$472$5,664-16%$-1,060
Allstate$354$4,248-6%$-263
Allstate$469$5,623-42%$-4,012
Allstate$396$4,757-14%$-773
Auto Owners$320$3,835-43%$-2,890
Auto Owners$224$2,683-41%$-1,828
Auto Owners$424$5,086-47%$-4,548
Auto Owners$248$2,970-46%$-2,559
Central Insurance$257$3,085-54%$-3,639
Central Insurance$257$3,085-32%$-1,426
Central Insurance$335$4,015-27%$-1,515
Country Financial$340$4,081-39%$-2,644
Country Financial$245$2,945-35%$-1,567
Country Financial$347$4,161-57%$-5,474
Country Financial$302$3,625-34%$-1,904
Geico$401$4,812-28%$-1,913
Geico$277$3,324-26%$-1,188
Geico$331$3,970-28%$-1,559
Safeway Insurance$531$6,374-34%$-3,260
State Farm$487$5,849-39%$-3,786

Cheapest Car Insurance for Adult Drivers in Georgia

GEICO offers Georgia's lowest rates for adult drivers: $42 monthly for minimum coverage and $101 for full coverage.

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Driving Record:
Allstate$207$2,481-26%$-881
Allstate$353$4,232-38%$-2,540
Allstate$202$2,421-29%$-988
Allstate$344$4,128-40%$-2,760
Allstate$123$1,480-19%$-356
Allstate$166$1,996-35%$-1,084
Allstate$121$1,452-21%$-392
Allstate$163$1,959-36%$-1,122
Auto Owners$135$1,623-32%$-771
Auto Owners$95$1,136-32%$-523
Auto Owners$179$2,152-36%$-1,210
Auto Owners$105$1,257-38%$-759
Auto Owners$316$3,798-18%$-851
Auto Owners$221$2,657-18%$-589
Auto Owners$420$5,036-26%$-1,735
Auto Owners$245$2,941-25%$-960
Auto Owners$143$1,717-28%$-663
Auto Owners$100$1,201-27%$-455
Auto Owners$190$2,277-33%$-1,131
Auto Owners$111$1,330-34%$-678
Auto Owners$335$4,017-13%$-601
Auto Owners$259$3,111-20%$-772
Auto Owners$72$865-38%$-526
Auto Owners$48$573-41%$-393
Auto Owners$99$1,183-36%$-653
Auto Owners$54$646-45%$-532
Auto Owners$121$1,457-10%$-162
Auto Owners$137$1,645-16%$-315
Auto Owners$69$826-40%$-544
Auto Owners$46$547-43%$-412
Auto Owners$94$1,128-39%$-715
Auto Owners$51$617-47%$-550
Auto Owners$116$1,391-13%$-209
Auto Owners$131$1,569-19%$-360
Central Insurance$133$1,596-33%$-798
Central Insurance$133$1,596-4%$-62
Central Insurance$209$2,513-46%$-2,136
Central Insurance$209$2,513-23%$-733
Central Insurance$443$5,314-22%$-1,457
Central Insurance$272$3,270-16%$-632
Central Insurance$133$1,596-33%$-783
Central Insurance$133$1,596-4%$-60
Central Insurance$209$2,513-46%$-2,106
Central Insurance$209$2,513-22%$-727
Central Insurance$443$5,314-23%$-1,574
Central Insurance$272$3,270-16%$-614
Central Insurance$59$711-49%$-680
Central Insurance$59$711-26%$-254
Central Insurance$80$960-19%$-219
Central Insurance$83$990-58%$-1,360
Central Insurance$83$990-39%$-629
Central Insurance$190$2,275-26%$-805
Central Insurance$111$1,336-32%$-624
Central Insurance$59$711-48%$-658
Central Insurance$59$711-26%$-247
Central Insurance$80$960-18%$-207
Central Insurance$83$990-57%$-1,310
Central Insurance$83$990-38%$-609
Central Insurance$190$2,275-26%$-806
Central Insurance$111$1,336-31%$-593
Country Financial$126$1,517-9%$-141
Country Financial$179$2,143-36%$-1,219
Country Financial$156$1,868-7%$-148
Country Financial$218$2,610-44%$-2,039
Country Financial$157$1,884-42%$-1,363
Country Financial$222$2,661-61%$-4,110
Country Financial$193$2,319-41%$-1,582
Country Financial$126$1,517-8%$-140
Country Financial$179$2,143-37%$-1,265
Country Financial$156$1,868-7%$-140
Country Financial$218$2,610-43%$-2,008
Country Financial$157$1,884-42%$-1,357
Country Financial$222$2,661-61%$-4,227
Country Financial$193$2,319-40%$-1,565
Country Financial$113$1,360-2%$-31
Country Financial$115$1,377-25%$-459
Country Financial$130$1,558-34%$-792
Country Financial$95$1,146-29%$-474
Country Financial$131$1,577-49%$-1,503
Country Financial$114$1,371-30%$-589
Country Financial$113$1,360-1%$-9
Country Financial$115$1,377-25%$-467
Country Financial$130$1,558-32%$-742
Country Financial$95$1,146-28%$-454
Country Financial$131$1,577-49%$-1,504
Country Financial$114$1,371-29%$-559
Donegal Insurance$158$1,901-21%$-493
Donegal Insurance$131$1,574-5%$-84
Donegal Insurance$131$1,574-22%$-441
Donegal Insurance$172$2,060-13%$-320
Donegal Insurance$142$1,706-15%$-302
Donegal Insurance$90$1,080-22%$-311
Donegal Insurance$90$1,080-8%$-98
Donegal Insurance$152$1,821-23%$-529
Donegal Insurance$98$1,175-14%$-195
Donegal Insurance$98$1,1751%$8
Donegal Insurance$165$1,981-14%$-319
Geico$142$1,703-29%$-691
Geico$98$1,176-29%$-482
Geico$117$1,405-30%$-610
Geico$251$3,016-35%$-1,633
Geico$174$2,084-36%$-1,163
Geico$207$2,489-36%$-1,412
Geico$146$1,757-26%$-622
Geico$101$1,214-27%$-443
Geico$121$1,450-28%$-558
Geico$259$3,112-33%$-1,506
Geico$179$2,150-34%$-1,090
Geico$214$2,568-34%$-1,316
Geico$61$729-48%$-662
Geico$40$484-50%$-481
Geico$48$579-51%$-600
Geico$124$1,493-36%$-857
Geico$83$993-39%$-627
Geico$99$1,186-40%$-774
Geico$62$749-45%$-620
Geico$42$498-48%$-461
Geico$50$595-49%$-571
Geico$128$1,535-33%$-765
Geico$85$1,020-36%$-579
Geico$102$1,219-37%$-711
Mercury Insurance$77$929-4%$-36
Mercury Insurance$72$858-10%$-100
Progressive$124$1,492-10%$-165
Progressive$232$2,778-14%$-462
Progressive$428$5,131-26%$-1,758
Progressive$65$777-20%$-189
Progressive$103$1,240-32%$-596
Progressive$83$997-15%$-181
Progressive$203$2,432-21%$-648
Progressive$60$719-25%$-240
Progressive$96$1,147-38%$-697
Progressive$77$923-21%$-243
Progressive$188$2,250-27%$-831
Safeway Insurance$167$2,001-16%$-393
Safeway Insurance$177$2,123-37%$-1,239
Safeway Insurance$142$1,709-15%$-307
Safeway Insurance$171$2,051-56%$-2,598
Safeway Insurance$138$1,653-49%$-1,593
Safeway Insurance$181$2,176-68%$-4,596
Safeway Insurance$146$1,751-55%$-2,150
Safeway Insurance$173$2,076-13%$-303
Safeway Insurance$184$2,202-35%$-1,206
Safeway Insurance$148$1,773-12%$-235
Safeway Insurance$177$2,128-54%$-2,491
Safeway Insurance$143$1,715-47%$-1,525
Safeway Insurance$188$2,257-67%$-4,631
Safeway Insurance$151$1,817-53%$-2,067
Safeway Insurance$107$1,285-45%$-1,065
Safeway Insurance$86$1,031-36%$-589
Safeway Insurance$114$1,370-56%$-1,710
Safeway Insurance$93$1,116-43%$-844
Safeway Insurance$109$1,310-43%$-990
Safeway Insurance$88$1,051-34%$-549
Safeway Insurance$116$1,397-55%$-1,684
Safeway Insurance$95$1,138-41%$-792
State Farm$212$2,540-24%$-822
State Farm$205$2,458-28%$-950
State Farm$114$1,369-25%$-467
State Farm$111$1,338-27%$-506

Cheapest Car Insurance for Senior Drivers in Georgia

GEICO offers Georgia seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,369 annually, while minimum coverage runs $583 per year.

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Driving Record:
Central Insurance$214$2,564-23%$-776
Auto Owners$141$1,687-27%$-626
Auto Owners$156$1,868-34%$-942
Central Insurance$336$4,037-38%$-2,445
Central Insurance$336$4,037-10%$-440
Central Insurance$214$2,564-24%$-800
Central Insurance$214$2,56411%$253
Auto Owners$165$1,976-29%$-822
Central Insurance$336$4,037-37%$-2,398
Central Insurance$336$4,037-10%$-433
Central Insurance$106$1,276-36%$-718
Central Insurance$106$1,276-7%$-91
Auto Owners$92$1,107-34%$-564
Central Insurance$148$1,776-48%$-1,610
Central Insurance$148$1,776-22%$-513
Central Insurance$200$2,397-14%$-388
Central Insurance$106$1,276-35%$-678
Central Insurance$106$1,276-6%$-77
Progressive$170$2,043-21%$-536
Auto Owners$88$1,056-36%$-591
Central Insurance$148$1,776-46%$-1,521
Central Insurance$148$1,776-21%$-476
Central Insurance$200$2,397-12%$-333
Geico$136$1,636-42%$-1,162
Progressive$107$1,280-5%$-72
Auto Owners$213$2,551-24%$-789
Auto Owners$149$1,785-23%$-526
Geico$132$1,586-44%$-1,224
Progressive$334$4,009-7%$-310
Geico$56$677-59%$-993
Auto Owners$201$2,412-28%$-952
Auto Owners$364$4,370-19%$-1,017
Auto Owners$82$981-28%$-386
Auto Owners$123$1,482-26%$-512
Central Insurance$214$2,56411%$251
Farmers$330$3,955-9%$-385
Farmers$172$2,062-8%$-190
Auto Owners$118$1,414-28%$-540
Farmers$172$2,062-10%$-227
Auto Owners$385$4,622-14%$-739
Auto Owners$161$1,932-25%$-647
Allstate$234$2,812-35%$-1,528
Auto Owners$78$936-31%$-417
Geico$73$877-55%$-1,076
Geico$114$1,369-41%$-941
Auto Owners$267$3,198-33%$-1,562
Allstate$488$5,860-9%$-576
Geico$111$1,327-43%$-986
Geico$71$853-57%$-1,140
Auto Owners$470$5,642-13%$-840
Geico$47$567-59%$-800
Auto Owners$169$2,025-22%$-555
Geico$58$696-58%$-951
Farmers$330$3,955-8%$-364
Geico$150$1,797-46%$-1,501
Progressive$137$1,6440%$-3
Farmers$190$2,276-2%$-37
Farmers$190$2,276-2%$-35
Allstate$174$2,084-19%$-496
Auto Owners$348$4,176-7%$-294
Allstate$291$3,496-27%$-1,264
Auto Owners$282$3,383-30%$-1,444
Geico$146$1,747-48%$-1,639
Auto Owners$329$3,948-12%$-529
Geico$160$1,921-43%$-1,442
Allstate$230$2,760-36%$-1,559
Geico$116$1,388-50%$-1,397
Allstate$197$2,364-13%$-365
Progressive$115$1,3841%$17
Country Financial$152$1,819-58%$-2,521
Allstate$485$5,816-40%$-3,939
Geico$165$1,983-41%$-1,358
Allstate$497$5,962-38%$-3,618
Geico$49$583-57%$-770
Geico$100$1,194-47%$-1,058
Geico$234$2,808-48%$-2,578
Country Financial$150$1,797-46%$-1,501
Geico$284$3,403-47%$-3,079
Country Financial$244$2,927-55%$-3,509
Country Financial$152$1,819-58%$-2,500
Geico$202$2,425-46%$-2,045
Auto Owners$660$7,915-19%$-1,840
Country Financial$244$2,927-55%$-3,555
Geico$97$1,162-49%$-1,128
Geico$241$2,897-46%$-2,464
Allstate$410$4,921-8%$-441
Auto Owners$624$7,483-22%$-2,097
Geico$196$2,351-47%$-2,126
Country Financial$150$1,797-47%$-1,589
Geico$119$1,427-48%$-1,303
Allstate$284$3,411-29%$-1,416
State Farm$251$3,008-37%$-1,753
State Farm$141$1,690-34%$-890
Country Financial$176$2,112-53%$-2,358
Allstate$420$5,044-6%$-342
Geico$293$3,511-45%$-2,924
Safeway Insurance$190$2,283-47%$-2,058
Country Financial$196$2,358-29%$-983
Country Financial$200$2,404-49%$-2,356
Country Financial$217$2,601-52%$-2,786
Country Financial$115$1,380-17%$-290
Country Financial$142$1,701-26%$-612
Country Financial$142$1,701-26%$-609
Allstate$240$2,8853%$88
State Farm$243$2,910-40%$-1,916
State Farm$138$1,651-36%$-928
Country Financial$217$2,601-51%$-2,761
Country Financial$115$1,380-16%$-267
Safeway Insurance$283$3,398-48%$-3,084
Country Financial$176$2,112-53%$-2,364
Country Financial$249$2,985-69%$-6,596
Safeway Insurance$242$2,902-46%$-2,485
Country Financial$175$2,095-25%$-703
Country Financial$132$1,581-42%$-1,149
Country Financial$249$2,985-69%$-6,771
Safeway Insurance$251$3,010-44%$-2,351
Country Financial$131$1,569-21%$-424
Country Financial$110$1,321-41%$-931
Country Financial$96$1,154-16%$-213
Country Financial$132$1,588-38%$-992
State Farm$141$1,6901%$20
Country Financial$110$1,321-42%$-968
Geico$325$3,904-10%$-436
Country Financial$132$1,581-43%$-1,204
Country Financial$131$1,569-20%$-384
Country Financial$132$1,588-38%$-991
Country Financial$196$2,358-30%$-1,006
Country Financial$175$2,095-25%$-715
Safeway Insurance$155$1,859-33%$-925
Country Financial$96$1,154-15%$-199
Safeway Insurance$158$1,896-31%$-834
Geico$163$1,959-24%$-620
Donegal Insurance$195$2,340-31%$-1,046
Donegal Insurance$116$1,388-17%$-283
Geico$159$1,905-26%$-675
Geico$600$7,202-25%$-2,378
Geico$619$7,431-24%$-2,324
Safeway Insurance$237$2,842-36%$-1,629
Safeway Insurance$294$3,525-45%$-2,910
Country Financial$200$2,404-50%$-2,423
Safeway Insurance$182$2,183-34%$-1,115
State Farm$262$3,138-6%$-202
Donegal Insurance$201$2,409-14%$-400
Safeway Insurance$146$1,751-22%$-501
Safeway Insurance$293$3,517-26%$-1,243
Donegal Insurance$116$1,388-30%$-606
Donegal Insurance$212$2,545-23%$-752
Donegal Insurance$242$2,910-14%$-454
Safeway Insurance$143$1,717-25%$-572
Safeway Insurance$178$2,141-37%$-1,245
Donegal Insurance$195$2,340-16%$-445
Safeway Insurance$228$2,739-39%$-1,738
Donegal Insurance$126$1,510-23%$-444
Safeway Insurance$194$2,327-46%$-1,992
Safeway Insurance$312$3,740-62%$-6,016
Donegal Insurance$218$2,611-7%$-187
Safeway Insurance$300$3,605-62%$-5,975
Safeway Insurance$304$3,649-24%$-1,178
Donegal Insurance$126$1,510-8%$-138
Safeway Insurance$236$2,8311%$22

Cheapest Car Insurance for High-Risk Drivers in Georgia

Our review focused on five driver profiles that insurers in Georgia often classify as high-risk: poor credit, DUI convictions, at-fault accidents, speeding tickets and texting while driving. 

The data below highlights which providers deliver the most affordable rates for each group:

  • Cheapest for Bad Credit: Safeway (From $85/mo)
  • Cheapest With a DUI: Auto-Owners (From $88/mo)
  • Cheapest With an Accident: Central (From $57/mo)
  • Cheapest With a Speeding Ticket: Auto-Owners (From $48/mo)
  • Cheapest With a Texting While Driving Violation: Auto-Owners (From $46/mo)

Cheapest Car Insurance for Bad Credit in Georgia

Safeway offers Georgia drivers with bad credit the most affordable car insurance rates. Annual premiums start at $1,020 for minimum coverage and $2,028 for full coverage policies.

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Gender:
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Driving Record:
Central Insurance$83$990-57%$-1,310
Central Insurance$111$1,336-32%$-624
Central Insurance$190$2,275-26%$-805
Central Insurance$83$990-39%$-629
Central Insurance$174$2,087-52%$-2,305
Central Insurance$209$2,513-23%$-733
Central Insurance$174$2,087-68%$-4,516
Central Insurance$235$2,816-49%$-2,691
Central Insurance$399$4,794-44%$-3,808
Central Insurance$174$2,087-53%$-2,378
Central Insurance$443$5,314-22%$-1,457
Central Insurance$174$2,087-69%$-4,695
Central Insurance$527$6,321-41%$-4,435
Central Insurance$856$10,273-48%$-9,437
Central Insurance$405$4,858-45%$-4,006
Central Insurance$272$3,270-16%$-632
Central Insurance$405$4,858-63%$-8,249
Central Insurance$527$6,321-42%$-4,505
Central Insurance$856$10,273-47%$-9,101
Central Insurance$405$4,858-45%$-4,033
Central Insurance$209$2,513-46%$-2,106
Central Insurance$405$4,858-63%$-8,371
Central Insurance$200$2,397-12%$-333
Central Insurance$209$2,513-46%$-2,136
Central Insurance$148$1,776-21%$-476
Central Insurance$209$2,513-22%$-727
Central Insurance$235$2,816-48%$-2,580
Central Insurance$148$1,776-46%$-1,521
Central Insurance$200$2,397-14%$-388
Central Insurance$148$1,776-22%$-513
Central Insurance$443$5,314-23%$-1,574
Central Insurance$399$4,794-44%$-3,772
Central Insurance$148$1,776-48%$-1,610
Central Insurance$336$4,037-10%$-433
Central Insurance$336$4,037-37%$-2,398
Central Insurance$272$3,270-16%$-614
Central Insurance$336$4,037-10%$-440
Central Insurance$336$4,037-38%$-2,445
Central Insurance$111$1,336-31%$-593
Central Insurance$190$2,275-26%$-806
Central Insurance$83$990-58%$-1,360
Central Insurance$83$990-38%$-609
Progressive$334$4,009-7%$-310
Auto Owners$316$3,798-18%$-851
Progressive$232$2,778-14%$-462
Progressive$428$5,131-26%$-1,758
Progressive$203$2,432-21%$-648
Progressive$188$2,250-27%$-831
Auto Owners$364$4,370-19%$-1,017
Farmers$172$2,062-10%$-227
Farmers$330$3,955-9%$-385
Farmers$172$2,062-8%$-190
Auto Owners$707$8,483-36%$-4,745
Auto Owners$495$5,936-33%$-2,955
Auto Owners$548$6,570-39%$-4,255
Auto Owners$748$8,973-32%$-4,133
Auto Owners$579$6,949-35%$-3,806
Allstate$373$4,474-34%$-2,308
Allstate$284$3,411-24%$-1,054
Allstate$367$4,405-49%$-4,197
Allstate$314$3,773-31%$-1,734
Allstate$366$4,390-34%$-2,213
Allstate$309$3,702-31%$-1,694
Allstate$234$2,812-35%$-1,528
Allstate$488$5,860-9%$-576
Auto Owners$385$4,622-14%$-739
Allstate$163$1,959-36%$-1,122
Auto Owners$523$6,278-29%$-2,585
Auto Owners$131$1,569-19%$-360
Auto Owners$137$1,645-16%$-315
Auto Owners$245$2,941-25%$-960
Allstate$360$4,322-50%$-4,244
Auto Owners$470$5,642-13%$-840
Allstate$166$1,996-35%$-1,084
Auto Owners$259$3,111-20%$-772
Auto Owners$335$4,017-13%$-601
Farmers$330$3,955-8%$-364
Allstate$279$3,347-24%$-1,045
Allstate$197$2,364-13%$-365
Country Financial$375$4,501-58%$-6,324
Allstate$230$2,760-36%$-1,559
Country Financial$152$1,819-58%$-2,521
Geico$150$1,797-46%$-1,501
Auto Owners$116$1,391-13%$-209
Allstate$819$9,830-49%$-9,544
Auto Owners$646$7,746-10%$-856
Auto Owners$329$3,948-12%$-529
Allstate$353$4,232-38%$-2,540
Geico$146$1,747-48%$-1,639
Allstate$344$4,128-40%$-2,760
Auto Owners$121$1,457-10%$-162
Auto Owners$348$4,176-7%$-294
Allstate$485$5,816-40%$-3,939
Allstate$799$9,589-51%$-10,120
Country Financial$422$5,066-62%$-8,162
Geico$116$1,388-50%$-1,397
Country Financial$422$5,066-61%$-8,040
Auto Owners$616$7,392-14%$-1,174
Allstate$497$5,962-38%$-3,618
Auto Owners$221$2,657-18%$-589
Geico$202$2,425-46%$-2,045
Geico$102$1,219-37%$-711
Geico$284$3,403-47%$-3,079
Country Financial$244$2,927-55%$-3,555
Geico$196$2,351-47%$-2,126
Auto Owners$624$7,483-22%$-2,097
Geico$234$2,808-48%$-2,578
Country Financial$244$2,927-55%$-3,509
Auto Owners$660$7,915-19%$-1,840
Geico$241$2,897-46%$-2,464
Allstate$410$4,921-8%$-441
Country Financial$150$1,797-47%$-1,589
Geico$97$1,162-49%$-1,128
Country Financial$150$1,797-46%$-1,501
Geico$100$1,194-47%$-1,058
Country Financial$152$1,819-58%$-2,500
Geico$119$1,427-48%$-1,303
Auto Owners$938$11,250-42%$-8,123
Country Financial$305$3,656-59%$-5,207
Auto Owners$992$11,900-40%$-7,809
Auto Owners$420$5,036-26%$-1,735
Country Financial$375$4,501-58%$-6,254
Country Financial$248$2,979-65%$-5,622
Country Financial$216$2,589-52%$-2,807
Country Financial$216$2,589-53%$-2,918
Geico$99$1,186-40%$-774
Country Financial$180$2,164-52%$-2,301
Geico$83$993-39%$-627
Geico$688$8,260-38%$-4,968
Country Financial$180$2,164-51%$-2,228
Geico$293$3,511-45%$-2,924
Geico$85$1,020-36%$-579
Country Financial$305$3,656-59%$-5,235
Safeway Insurance$315$3,783-56%$-4,819
Country Financial$217$2,601-52%$-2,786
Geico$128$1,535-33%$-765
Country Financial$245$2,943-57%$-3,839
Country Financial$248$2,979-65%$-5,586
Country Financial$430$5,166-73%$-14,208
Geico$301$3,615-33%$-1,781
Geico$207$2,489-36%$-1,412
Geico$214$2,568-34%$-1,316
Country Financial$430$5,166-74%$-14,543
Allstate$420$5,044-6%$-342
Country Financial$217$2,601-51%$-2,761
Geico$124$1,493-36%$-857
Country Financial$245$2,943-55%$-3,660
Country Financial$218$2,610-43%$-2,008
Geico$710$8,522-35%$-4,584
Geico$174$2,084-36%$-1,163
Country Financial$131$1,577-49%$-1,503
Country Financial$131$1,577-49%$-1,504
Country Financial$218$2,610-44%$-2,039
Safeway Insurance$190$2,283-47%$-2,058
Country Financial$176$2,112-53%$-2,358
Safeway Insurance$116$1,397-55%$-1,684
Safeway Insurance$513$6,158-53%$-6,948
Geico$293$3,516-36%$-1,990
Geico$179$2,150-34%$-1,090
Geico$491$5,887-34%$-2,977
Country Financial$222$2,661-61%$-4,110
Safeway Insurance$251$3,010-44%$-2,351
Country Financial$130$1,558-34%$-792
Country Financial$130$1,558-32%$-742
Country Financial$114$1,371-30%$-589
Geico$586$7,032-35%$-3,724
Safeway Insurance$321$3,857-55%$-4,709
Geico$369$4,429-35%$-2,354
Safeway Insurance$242$2,902-46%$-2,485
Geico$245$2,944-34%$-1,521
Geico$252$3,027-31%$-1,366
Geico$379$4,553-31%$-2,050
Country Financial$110$1,321-41%$-931
Country Financial$222$2,661-61%$-4,227
Geico$259$3,112-33%$-1,506
Country Financial$249$2,985-69%$-6,771
Country Financial$249$2,985-69%$-6,596
Country Financial$132$1,581-42%$-1,149
Geico$325$3,904-10%$-436
Country Financial$176$2,112-53%$-2,364
Safeway Insurance$495$5,936-55%$-7,292
Geico$251$3,016-35%$-1,633
Geico$475$5,705-36%$-3,185
Country Financial$193$2,319-41%$-1,582
Safeway Insurance$283$3,398-48%$-3,084
Country Financial$132$1,581-43%$-1,204
Country Financial$110$1,321-42%$-968
Geico$568$6,815-37%$-4,010
Country Financial$114$1,371-29%$-559
Country Financial$193$2,319-40%$-1,565
Safeway Insurance$262$3,141-42%$-2,255
Country Financial$157$1,884-42%$-1,357
Safeway Insurance$155$1,859-33%$-925
Safeway Insurance$171$2,051-56%$-2,598
Safeway Insurance$182$2,183-34%$-1,115
Safeway Insurance$177$2,128-54%$-2,491
Geico$600$7,202-25%$-2,378
Safeway Insurance$158$1,896-31%$-834
Safeway Insurance$242$2,901-34%$-1,491
Safeway Insurance$146$1,751-55%$-2,150
Safeway Insurance$399$4,785-46%$-4,106
Safeway Insurance$114$1,370-56%$-1,710
Safeway Insurance$95$1,138-41%$-792
Safeway Insurance$422$5,069-53%$-5,756
Safeway Insurance$107$1,285-45%$-1,065
Safeway Insurance$414$4,964-44%$-3,899
Safeway Insurance$301$3,617-45%$-2,987
Safeway Insurance$438$5,258-51%$-5,497
Safeway Insurance$151$1,817-53%$-2,067
Safeway Insurance$296$3,547-48%$-3,235
Safeway Insurance$237$2,846-36%$-1,620
Country Financial$157$1,884-42%$-1,363
Safeway Insurance$93$1,116-43%$-844
Safeway Insurance$257$3,081-44%$-2,426
Country Financial$95$1,146-28%$-454
Safeway Insurance$237$2,842-36%$-1,629
Safeway Insurance$109$1,310-43%$-990
Geico$619$7,431-24%$-2,324
Safeway Insurance$294$3,525-45%$-2,910
Country Financial$95$1,146-29%$-474
Donegal Insurance$195$2,340-31%$-1,046
Safeway Insurance$143$1,717-25%$-572
Safeway Insurance$228$2,739-39%$-1,738
Safeway Insurance$143$1,715-47%$-1,525
Safeway Insurance$86$1,031-36%$-589
Safeway Insurance$194$2,327-46%$-1,992
Donegal Insurance$152$1,821-23%$-529
Safeway Insurance$188$2,257-67%$-4,631
Safeway Insurance$138$1,653-49%$-1,593
Safeway Insurance$181$2,176-68%$-4,596
Donegal Insurance$195$2,340-16%$-445
Safeway Insurance$178$2,141-37%$-1,245
Safeway Insurance$146$1,751-22%$-501
Donegal Insurance$212$2,545-23%$-752
Safeway Insurance$88$1,051-34%$-549
Safeway Insurance$300$3,605-62%$-5,975
Safeway Insurance$525$6,297-67%$-13,077
Safeway Insurance$312$3,740-62%$-6,016
Safeway Insurance$544$6,533-67%$-13,177
Donegal Insurance$165$1,981-14%$-319

Cheapest Car Insurance With a DUI in Georgia

Auto-Owners ranks as the most affordable option for Georgia drivers with DUIs, offering annual rates of $1,128. Progressive provides the next best value with premiums of $1,147 per year.

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Progressive$96$1,147-38%$-697
Auto Owners$94$1,128-39%$-715
Allstate$121$1,452-21%$-392
State Farm$111$1,338-27%$-506
Country Financial$115$1,377-25%$-467

Cheapest Car Insurance With an Accident in Georgia

Georgia drivers with an accident on their record can find the most affordable coverage through Central at $59 per month ($711 annually).

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Credit Alignment:Good
Central Insurance$59$711-48%$-658
Auto Owners$69$826-40%$-544
Geico$62$749-45%$-620
Country Financial$113$1,360-1%$-9
Donegal Insurance$98$1,175-14%$-195

Cheapest Car Insurance With an Speeding Ticket

Georgia drivers with speeding tickets can find the lowest rates through Auto-Owners. The provider offers minimum coverage at $617 per year, while full coverage costs $1,380 annually.

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Central Insurance$80$960-18%$-207
Progressive$77$923-21%$-243
Auto Owners$51$617-47%$-550
Geico$50$595-49%$-571
Donegal Insurance$98$1,1751%$8

Cheapest Car Insurance With a Texting While Driving Violation

Drivers in Georgia with texting while driving violation can get the most affordable car insurance rates with Auto-Owners. It offers minimum coverage at $547 per year. Auto-Owners provide the cheapest available rate for full coverage policy at $1,201 per year.

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How to Get the Cheapest Car Insurance in Georgia

Finding the most affordable insurance companies is just the first step to reducing your car insurance costs in Georgia. Our experts have identified proven ways to save the most on auto insurance.

  1. 1

    Compare rates from both national and regional carriers

    Georgia’s insurance market is competitive. Smaller regional carriers and farm bureaus sometimes undercut national brands, especially outside Atlanta.

  2. 2

    Know the minimum coverage requirements

    Georgia law requires 25/50/25 liability ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage). You must also carry proof of insurance through the Georgia Electronic Insurance Compliance System.

  3. 3

    Bundle policies

    Bundling auto with home or renters insurance is one of the most reliable ways to save, particularly for homeowners in metro Atlanta and Savannah.

  4. 4

    Enroll in safe-driver or telematics programs

    Many Georgia insurers offer discounts for low-mileage, safe driving, or using telematics apps that track driving behavior.

  5. 5

    Tailor coverage to your location

    In rural Georgia, liability-only coverage may be sufficient if you drive an older car. In urban centers like Atlanta, where accidents and thefts are more common, comprehensive and collision are worth the added cost.

  6. 6

    Improve your driver profile

    A higher credit score and a clean driving record can unlock major savings. Georgia allows insurers to use credit-based insurance scores in pricing. Rating factors and their impact on premiums vary by state and insurer.

  7. 7

    Use the Georgia Automobile Insurance Plan (GAIP) if needed

    If you can’t get coverage in the open market due to risk factors, GAIP provides last-resort access to liability coverage.

Risks of Getting the Cheapest Car Insurance in Georgia

Georgia requires drivers to carry 25/50/25 liability coverage. This means $25,000 for injuries to one person, $50,000 total per accident, and $25,000 for property damage. Liability coverage does not include a deductible, while comprehensive and collision coverage typically do.

The state also mandates uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. While this meets legal requirements, it still leaves drivers exposed to costly risks.

    accident2 icon

    Vehicle repairs won’t be covered if you’re at fault

    Without collision coverage, you'll pay all repair costs if you cause an accident. In Georgia, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. With new vehicles averaging over $40,000, the $25,000 property damage cap often falls short. One serious accident could leave you paying thousands out of pocket.

    hurricane icon

    Weather risks make storm damage your responsibility

    Georgia faces hurricanes on the coast and tornadoes inland, plus frequent hailstorms. Data from the National Centers for Environmental Information shows significant storm-related auto damage in 2023. Since flood, wind, and hail are only covered under comprehensive insurance, minimum coverage means you’re on the hook for these losses.

    injury icon

    Medical bills can exceed state minimums

    Georgia’s $25,000 per-person bodily injury minimum is dangerously low. Average bodily injury claims reached $22,734 in 2023, nearly maxing out the minimum. In Atlanta, where congestion and crashes are among the worst in the Southeast, claims can easily surpass this limit. Upgrading to at least 50/100/50 offers better protection against rising hospital bills.

    uninsured icon

    Uninsured drivers create added financial risk

    Roughly 12.4% of Georgia drivers are uninsured. If one hits you and you don’t carry uninsured motorist (UM/UIM) coverage, you’ll likely pay your own expenses. Lawsuits rarely recover damages from uninsured drivers. Adding UM/UIM coverage shields you in these common scenarios.

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    Auto theft and vandalism losses aren’t covered

    Georgia ranks among the top 15 states for vehicle theft, with Atlanta particularly high-risk. The National Insurance Crime Bureau reports that the average theft claim exceeds $9,000. Minimum coverage offers no protection here. Comprehensive insurance is the only way to cover theft or vandalism.

Minimum Coverage Requirements in Georgia

Drivers in Georgia must carry a minimum level of auto insurance to legally operate a vehicle. Georgia follows an at-fault system, meaning the driver who causes an accident is financially responsible for the damages. The state requires liability insurance to cover injuries and property damage you may cause to others. While these limits meet state law, they may not fully protect against costly claims. Understanding Georgia’s minimum car insurance requirements helps you stay compliant and decide whether higher coverage makes sense for your needs.

Coverage Type
Minimum Required Limit

Bodily Injury Liability (Per Person)

$25,000 per person

Bodily Injury Liability (Per Accident)

$50,000 per accident

Property Damage Liability

$25,000 per accident

Cheap Car Insurance in Georgia: Bottom Line

GEICO offers the lowest car insurance rates in Georgia for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.

Cheap Car Insurance in Georgia: FAQ

Below, our insurance experts answer common questions about finding affordable car insurance coverage in Georgia.

What are the cheapest car insurance companies in Georgia?

Who has the cheapest car insurance rates for young drivers in Georgia?

Who offers the cheapest car insurance rates for seniors in Georgia?

Who has the cheapest car insurance in Georgia for bad credit?

Who has the cheapest car insurance in Georgia with an accident?

Who has the cheapest car insurance in Georgia with a DUI?

Who has the cheapest car insurance in Georgia for those with a speeding ticket?

Should you buy the cheapest car insurance in Georgia?

How We Found the Most Affordable Car Insurance in Georgia

MoneyGeek collected auto insurance data from the Georgia Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Georgia.

Georgia Driver Profile

Our analysis started with a standard driver profile to find the cheapest rates:

  • 40-year-old male
  • 2012 Toyota Camry LE
  • Clean driving record
  • 12,000 miles driven annually
  • Good credit
  • Valid license
  • Currently insured
  • No claims history

We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.

Standard Coverage Levels in Georgia

We compared car insurance companies in Georgia that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Georgia.

The minimum coverage liability limits in Georgia are:

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

For full coverage policy rates, we used the following liability limits:

  • $100,000 for bodily injury liability per person
  • $300,000 for bodily injury liability per accident
  • $100,000 for property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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