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.