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Best Cheap Car Insurance In Georgia (2023)

Our research team takes an in-depth look at the best providers for car insurance in Georgia. Learn about coverage and costs from Georgia’s top insurance companies.

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09/14/2023 06:36 PM

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For drivers in the Peach State, it can be tough to determine which auto policy provider is best suited to their needs. Fortunately, our review team has done the research for you and identified the best cheap car insurance in Georgia for many types of drivers.

We reviewed the best car insurance companies nationwide, and we’ve focused our research to determine the five best options for Georgia drivers. Our team considers cost, coverage, reliability, and service in our rankings of the best auto insurance companies in each state. We recommend getting auto insurance quotes from several top-rated providers to find the best coverage for your vehicle.

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Cheap Car Insurance In Georgia

According to our rate estimates, USAA offers the cheapest car insurance in Georgia for good drivers, averaging $1,208 per year. Geico and Auto-Owners Insurance are not far behind.

Auto Insurance ProviderEstimated Annual Cost
USAA$1,208
Geico$1,238
Auto-Owners Insurance$1,300
Georgia Farm Bureau$1,419
Progressive$1,670
Mercury Insurance$1,720
State Farm$1,777

How Much Is Auto Insurance In Georgia?

The average cost of full-coverage car insurance in Georgia is $1,617 per year. Georgia drivers pay about 6.5 percent less than the national average of $1,730 per year for a full-coverage policy. According to the National Association of Insurance Commissioners (NAIC), Georgia was the 10th-most expensive state for auto insurance in 2019.

One of the reasons for the high price of car insurance in Georgia is the number of miles driven on average. According to Kelley Blue Book, the average person in the U.S. drove 14,263 miles in 2019. Comparatively, the average person in Georgia drove 18,334 miles that year–almost 29 percent higher than the national average.

Your car insurance rates will vary due to a variety of factors, such as:

  • Age: Young drivers (teen drivers in particular) pay more for car insurance because they are considered high risk.
  • Gender on driver’s license: In most states, men tend to pay more for car insurance than women.
  • Marital status: Most married drivers pay less for coverage and have more access to family or bundling discounts.
  • Driving record: Speeding tickets, recent accidents, and DUIs can harm your chances of finding cheap car insurance rates. Drivers with clean records save the most money on coverage.
  • Credit score: Drivers with poor credit scores pay significantly more for auto insurance than those with good credit scores.
  • Coverage level: Full-coverage policies cost more than state minimum liability coverage policies.

Cheapest Georgia Car Insurance: Young Drivers

Drivers in Georgia that are in their teens and early 20s will always pay higher car insurance rates because they have less experience behind the wheel. The tables below show the cheapest options for full-coverage auto insurance with these age groups.

Cheapest Car Insurance In Georgia: 16-Year-Olds

The cheapest car insurance in Georgia for 16-year-olds comes at roughly $293 per month on average from Auto-Owners Insurance. USAA also offers competitive coverage at $330 per month.

Cheap Car Insurance In GeorgiaAverage Monthly CostAverage Annual Cost
Auto-Owners Insurance$293 $3,515
USAA$330 $3,959
Country Financial$339 $4,066
Georgia Farm Bureau$412 $4,943
State Farm$430 $5,163

Cheapest Car Insurance In Georgia: 18-Year-Olds

In Georgia, the cheapest full-coverage car insurance for 18-year-olds comes from USAA at $212 per month. Geico comes in at $250 per month.

Cheap Car Insurance In GeorgiaAverage Monthly CostAverage Annual Cost
USAA$212 $2,543
Geico$250 $3,005
Auto-Owners Insurance$263 $3,154
Country Financial$277 $3,321
Georgia Farm Bureau$291 $3,492

Cheapest Car Insurance In Georgia: 21-Year-Olds

Twenty-one-year-old drivers in Georgia can find the cheapest car insurance from USAA at around $137 per month and from Geico at around $156 per month.

Cheap Car Insurance In GeorgiaAverage Monthly CostAverage Annual Cost
USAA$137 $1,643
Geico$156 $1,875
Auto-Owners Insurance$189 $2,267
Georgia Farm Bureau$202 $2,420
Country Financial$219 $2,628

Cheapest Car Insurance In Georgia: 25-Year-Olds

Twenty-five-year-olds can find the cheapest coverage in Georgia at USAA, which has an average monthly cost of $118. Drivers this age can also find affordable coverage from Geico and Auto-Owners Insurance.

Cheap Car Insurance In GeorgiaAverage Monthly CostAverage Annual Cost
USAA$118 $1,414
Geico$127 $1,526
Auto-Owners Insurance$138 $1,653
Georgia Farm Bureau$144 $1,724
Progressive$162 $1,943

Cheapest Georgia Car Insurance: High-Risk Drivers

Georgia drivers with speeding tickets, DUIs, or at-fault accidents in their driving history will pay much higher rates for insurance policies than those with clean driving records. The table below showcases the average annual rates for drivers with different traffic violations for our top five cheapest car insurance companies.

Car Insurance ProviderSpeeding TicketsRecent AccidentsDUI Convictions
USAA$4,777 $5,637 $6,414
Geico$1,405 $2,504 $4,346
Auto-Owners Insurance$1,815 $2,513 $2,698
Georgia Farm Bureau$1,427 $3,175 $1,799
Progressive$2,392 $3,888 $2,559

*Speeding tickets are for 16 to 20 mph over the speed limit. Recent accidents are for a single vehicle ($2,500 worth of damage).

Cheapest Georgia Car Insurance: Bad Credit

A bad credit score can raise the price of a car insurance policy by 35 percent in the state of Georgia. Below, we provide the cheapest auto insurance providers for those who have less-than-stellar credit scores.

Car Insurance Providers In Georgia Estimated Monthly Cost Estimated Annual Cost
Nationwide $138 $1,660
Geico $159 $1,907
USAA $165 $1,981
Progressive $181 $2,170
Auto-Owners Insurance $193 $2,311

Top 5 Auto Insurance Companies In Georgia

Below, our review team provides a breakdown of our top five picks for car insurance in Georgia. Drivers in the Peach State can find quality coverage from national names such as USAA and Nationwide, as well as from local providers such as Georgia Farm Bureau.

Best Car Insurance In Georgia Overall Rating Cost Rating Coverage Rating
1. USAA 4.6 4.6 4.6
2. Auto-Owners Insurance 4.4 4.5 4.3
3. Nationwide 4.3 4.5 4.2
4. Progressive 4.3 4.4 4.4
5. Georgia Farm Bureau 4.0 3.5 4.0

*Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Georgia.

#1 USAA

Our review team found USAA to be the best auto insurance provider in the state of Georgia. The company is the fifth-largest auto insurer in the U.S., and we recognized it as Best for Military Members in our review of the country’s top auto insurers. Coverage from USAA is exclusive to military members, veterans, and their families, but it’s a smart choice for those who qualify.

USAA has an A++ financial strength rating from AM Best, which showcases its reliability for paying out claims. Georgia drivers can take advantage of the provider’s great bundling discounts for auto, renters, and homeowners insurance, as well as discounts for families, students, and teen drivers.

Read moreUSAA insurance review

USAA Pros And Cons

Pros Highly rated by AM Best and the BBB Our No. 1 provider in the nation for military members Offers usage-based insurance
Cons Exclusive to military members, veterans, and their families

#2 Auto-Owners Insurance

Founded in 1916, Auto-Owners Insurance has been providing quality insurance coverage for over a century. The provider offers car insurance coverage to drivers in 26 states, including Georgia. Based on our research, we found this provider to be a smart choice for many types of Georgia drivers, young and teen drivers in particular.

Auto-Owners has an A++ financial strength rating from AM Best and an A+ rating from the BBB. In the J.D. Power 2022 U.S. Auto Insurance Study℠, the provider received a second-place score of 871 out of 1,000 points for customer satisfaction in the Southeast region.

Auto-Owners Insurance Pros And Cons

Pros Our No. 2 provider in the nation for students Highly rated by AM Best and the BBB Offers accident forgiveness
Cons Doesn’t offer military discounts

#3 Nationwide

Nationwide is another great choice for many Georgia drivers. It offers some of the cheapest auto insurance policies in the state, especially for those with poor credit. Nationwide has an A+ financial strength rating from AM Best as well as an A+ rating from the BBB.

Our team found some of the best deals through Nationwide’s discounts and usage-based insurance programs. Georgia drivers can save on their auto insurance policies by participating in Nationwide’s safe-driving program, SmartRide®, or its pay-per-mile option, SmartMiles®. You can save even more on Nationwide coverage by bundling policies, staying accident-free, or being a good student.

Read moreNationwide insurance review

Nationwide Pros And Cons

Pros Offers usage-based insurance A+ ratings from AM Best and the BBB Offers an extensive list of discounts
Cons Doesn’t offer new driver discounts

#4 Progressive

In our nationwide review of the best auto insurance companies, we awarded Progressive the Best Usage-Based Insurance designation. The provider offers affordable rates overall, and drivers can save on their car insurance premiums by participating in the Snapshot® program. Georgia drivers who enroll can earn savings of more than $100 for safe driving habits.

Progressive is also known for offering affordable rates to high-risk drivers in particular–making it a great choice for a high-mileage state like Georgia. The insurer has a positive industry reputation, with an A+ financial strength rating from AM Best.

Read moreProgressive insurance review

Progressive Pros And Cons

Pros Our pick for Best Usage-Based Insurance Great option for high-risk drivers A+ ratings from AM Best.
Cons Average customer service reviews

#5 Georgia Farm Bureau

Founded in 1937, Georgia Farm Bureau is exclusive to the state of Georgia. The insurer provides quality coverage to nearly 300,000 families across the state, including life, health, farm, and homeowners insurance in addition to auto insurance policies.

To be eligible for Georgia Farm Bureau auto insurance, you must be a Farm Bureau member, which requires a $35 membership fee, and live in Georgia. The insurer offers great coverage options and is a smart choice for drivers in the state.

Georgia Farm Bureau Pros And Cons

Pros Over 80 years in the industry Extensive list of discounts Offers accident forgiveness
Cons Must be a Farm Bureau member to get coverage

Georgia Insurance Requirements

Whether you’re caught in traffic in Atlanta or driving along the coast in Savannah, state law requires you to have liability car insurance. Minimum auto insurance coverage requirements in Georgia include:

  • Bodily injury liability: $25,000 per person/$50,000 per incident
  • Property damage liability: $25,000 per incident

Though you must meet the state minimum coverage requirements, it’s recommended that you add other coverages to your policy to ensure you’re protected in a variety of situations. Additional coverage options include:

Is Georgia A No-Fault State?

Georgia is not a no-fault state–it operates under a fault-based system. In an at-fault state like Georgia, blame is assigned to one of the drivers when an accident occurs. The at-fault driver is responsible for compensating the parties involved in the accident, and claims are filed through their insurance company.

It’s important to note that Georgia law includes proportional comparative fault, meaning a percentage of fault can be assigned when both parties involved in an accident did something wrong.


How To Get Georgia Car Insurance Quotes

While there are many auto insurance companies to choose from in the state of Georgia, we found USAA to be the top choice. Auto-Owners, Nationwide, and Progressive are other bigger names that are smart choices for Georgia drivers. The local insurance provider Georgia Farm Bureau also made its way into our review team’s top five auto insurance picks for its affordable car insurance in Georgia.

While you can’t go wrong insuring your vehicle with any of the providers we’ve listed above, we recommend getting car insurance quotes from providers to find the company that best suits your needs. You can get online quotes from many major providers or reach out to insurers by phone. For a more personalized experience, local agents and brokers can help you get quotes and compare car insurance options.

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Best Cheap Car Insurance In Georgia: FAQ

Why is Georgia car insurance so expensive?

A couple factors contribute to Georgia’s high insurance rates. One of the primary reasons is the sheer number of accidents that occur in the state each year. According to the Georgia Department of Transportation (GDOT), 1,507 fatalities occurred on Georgia’s roads in 2019. Another factor is the high number of miles driven on average each year by Georgia residents.

How much is car insurance a month on average in Georgia?

The average cost of full-coverage car insurance in Georgia is roughly $135 per month. The actual amount you’d pay for coverage depends on factors such as your age, credit score, driving history, and more.

How much is minimum car insurance in Georgia?

Minimum car insurance in Georgia averages out to $673 per year (or $56 per month), according to our estimates. This is for the profile of a 35-year-old driver with good credit and a cleaning driving history. Younger drivers or drivers with more traffic violations on their record (speeding tickets, at-fault accidents, DUIs, and more) will likely pay higher rates for minimum coverage.

Is Georgia car insurance high?

Georgia drivers pay about $1,617 for full-coverage car insurance annually, which is about 6.5 percent lower than the national average of $1,730 per year. According to the NAIC, in 2018, Georgia was the 11th-most expensive state to insure a vehicle in.

Does insurance follow the car or the driver in Georgia?

As a general rule of thumb, insurance coverage follows the vehicle and not the person in the state of Georgia.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.