Best car insurance in Georgia (2024)

The cheapest car insurance company in Georgia is Auto-Owners, followed by USAA, Central Insurance, COUNTRY Financial, and State Farm— though rates will depend on your driving record and other factors.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
|

Reviewed by

Britta M. MossBritta M. MossProperty & casualty claim consultant and expert witnessBritta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a property and casualty claim consultant, she provides consultation and expert witness services in claim handling standards, practices, and norms.  She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement.  She is a graduate of The Ohio State University. 

Updated|4 min read

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The cheapest car insurance company in Georgia is Auto-Owners, at an average of $88 a month or $1,061 a year. We found that USAA, Central Insurance, COUNTRY Financial, and State Farm also have cheap car insurance rates in Georgia.

Ready to shop car insurance?

Since your rates depend on multiple factors, like your age, location, accident and driving history, and other personal details, comparing quotes from different companies can help you find your most affordable coverage.

Average cost per month

Auto-Owners

$88

USAA

$95

Central Insurance

$110

COUNTRY Financial

$111

State Farm

$114

Methodology & why you can trust our rates

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in Georgia

Auto-Owners

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers gap coverage

Mobile app

Good student discount

Offers classic car insurance

Offers motorcycle insurance

Why we chose itchevron icon

Auto-Owners has affordable coverage and high customer service ratings, plus a range of useful coverage add-ons and discounts for Georgia drivers to choose from.

Pros and conschevron icon

Pros

  • Lower-than-average rates

  • Offers gap coverage

  • Owned by its policyholders

Cons

  • Not offered in every state

More detailschevron icon

Why we chose Auto-Owners:

Auto-Owners rates in Georgia are cheaper than average, and your rates may be even more affordable if you qualify for any of the available discounts.

With Auto-Owners, you choose to add optional coverages like gap insurance, accident forgiveness, and coverage for your car’s lost value after an accident.

How does the cost of car insurance from Auto-Owners compare to average in Georgia?

The average cost of car insurance from Auto-Owners in Georgia is $88 a month or $1,061 per year, which is 35% cheaper than the statewide average.

USAA

USAA logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Coverage for rideshare drivers

Good student discount

Usage-based discount

Offers classic car insurance

Mobile app

Offers motorcycle insurance

Why we chose itchevron icon

USAA has some of the best car insurance rates and customer service ratings of any company in Georgia. Add-ons include gap insurance, roadside assistance, other coverage.

Pros and conschevron icon

Pros

  • Low rates

  • Available nationwide

  • High customer service ratings

Cons

  • Only available to military members and their families

More detailschevron icon

Why we chose USAA:

If you’re an active or retired member of the military or a part of a military family, USAA has some of the best and cheapest car insurance in Georgia. USAA also offers gap coverage.

One of USAA’s strengths is its customer service. USAA frequently earns top scores from J.D. Power for claims satisfaction and it receives about an average number of complaints for the industry, according to the National Association of Insurance Commissioners.

How does the cost of car insurance from USAA compare to average in Georgia?

The average cost of car insurance from USAA in Georgia is $95 a month or $1,137 per year, which is 30% cheaper than the statewide average.

Central Insurance

The logo of the Central Insurance company

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.2

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Offers gap coverage

Mobile app

Good student discount

Why we chose itchevron icon

Central Insurance has a range of coverage options to choose from, including gap insurance. Central also offers affordable insurance for Georgia drivers with clean records.

Pros and conschevron icon

Pros

  • Cheaper-than-average rates

  • Lots of coverage options

  • Receives few complaints

Cons

  • Rates can be high if you have a spotty record

More detailschevron icon

Why we chose Central Insurance:

Central Insurance is one of the best companies for car insurance in Georgia. It bundles different coverage types and endorsements into tiered policies with names like “Signature” or “Mutual Summit,” but they’re basically just packaged collections of the same options you’ll find with most major insurance companies.

We like that Central receives fewer complaints from policyholders than competitors. According to complaint data from the National Association of Insurance Commissioners, Central receives more than 90% fewer complaints than expected.

How does the cost of car insurance from Central Insurance compare to average in Georgia?

The average cost of car insurance from Central Insurance in Georgia is $110 a month or $1,319 per year, which is 19% cheaper than the statewide average.

COUNTRY Financial

Country Financial logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

Smart home discounts

Offers new car replacement

Good student discount

Why we chose itchevron icon

COUNTRY Financial has cheap car insurance in Georgia, even for young drivers, along with a range of coverage options. It also gets relatively few complaints from its customers.

Pros and conschevron icon

Pros

  • Lower-than-average rates

  • Lots of coverage options

  • Low number of customer complaints

Cons

  • Only available in 19 states

  • Not rated by S&P or Moody’s

More detailschevron icon

Why we chose COUNTRY Financial

You’re likely to find cheap car insurance with COUNTRY if you’re a good driver (meaning a clean record with no accidents or violations), and you may even find affordable coverage with COUNTRY if there’s a teen driver in your family.

We also like COUNTRY’s auto insurance coverage options, which include new car replacement, personal belongings coverage, and full glass coverage. But COUNTRY doesn’t offer gap insurance, so you might want to find a different company if that’s required by your lessor or lender.

How does the cost of car insurance from COUNTRY Financial compare to average in Georgia?

The average cost of car insurance from COUNTRY Financial in Georgia is $111 a month or $1,335 per year, which is 18% cheaper than the statewide average.

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Coverage for rideshare drivers

Good student discount

Mobile app

Usage-based discount

Offers classic car insurance

Offers motorcycle insurance

Why we chose itchevron icon

State Farm is one of the best car insurance companies in Georgia thanks to its cheap rates and high customer service ratings. State Farm can even be an affordable pick for drivers with spotty records.

Pros and conschevron icon

Pros

  • Available in almost every state

  • Low rates for teens and drivers with accidents

  • High customer satisfaction ratings

Cons

  • Limited coverage options

More detailschevron icon

Why we chose State Farm:

State Farm is one of the best and cheapest car insurance companies in Georgia. We found that State Farm rates are affordable whether you have a clean or spotty driving record.

We also like State Farm for its high customer satisfaction ratings and low number of complaints.

How does the cost of car insurance from State Farm compare to the average in Georgia?

The average cost of State Farm car insurance in Georgia is $114 a month or $1,369 per year, which is 16% cheaper than the statewide average.

Best car insurance companies in Georgia

The best car insurance in Georgia is USAA, which scored the highest on J.D. Power’s 2023 Auto Insurance Survey for the Southeast region. [1] This survey measures how policyholders in the region (which included Georgia) feel about their car insurance company’s customer service, billing, claims, and price.

Company

Score

1

USAA

876

2

Tennessee Farm Bureau

866

3

Erie

859

4

Kentucky Farm Bureau

857

5

Alfa

851

Cheapest car insurance companies by age in Georgia

Have you ever wondered why car insurance is so expensive for young drivers? Statistics show young, inexperienced drivers are more likely to be in an accident. Their driving habits and behaviors are seen as high-risk, so insurance providers charge higher premiums to help offset the risk.

Many companies offer young drivers ways to save on car insurance rates, such as good student discounts and accident forgiveness programs. The table below shows the company with the lowest rates in every age group.

Age

Cheapest company

Average cost

16

Auto-Owners Insurance

$3,342

18

USAA

$2,530

21

USAA

$1,616

25

USAA

$1,330

30

Auto-Owners Insurance

$1,053

35

Auto-Owners Insurance

$1,052

45

USAA

$1,074

55

USAA

$1,019

60

USAA

$1,013

65

USAA

$1,052

70

COUNTRY Financial

$1,184

Collapse table

Choosing the right car insurance company in Georgia

State law requires all Georgians to have liability insurance to protect themselves and others in case of an accident — and most drivers need far more than the state minimums in order to be adequately protected.

Georgians spend a lot of time in their cars, so you want to be sure you choose the insurance company that offers the best possible coverage. Policygenius can help you see quotes from top companies and choose the best coverage based on your needs.

Car insurance rates for drivers with driving violations in Georgia

Your car insurance rates will go up if you’re in an accident or there’s a driving violation on your record. While it’s harder to find cheap car insurance with a spotty record, it’s not impossible.

The cheapest car insurance company in Georgia if you have a driving violation or accident is Auto-Owners Insurance.

A bar graph showing the cheapest car insurance companies in Georgia, where Auto-Owners has the best rates.

Violation

Auto-Owners Insurance

USAA

Central Insurance

COUNTRY Financial

State Farm

At-fault accident

$1,395

$1,710

$2,062

$1,858

$1,598

Suspended license

$1,944

$2,268

$2,872

$2,285

$1,480

Open container

$1,053

$1,758

$2,872

$1,933

$1,480

Expired registration

$1,053

$1,481

$1,691

$1,933

$1,480

Driving without lights

$1,053

$1,481

$1,785

$1,933

$1,480

Running a red light

$1,053

$1,481

$1,785

$1,933

$1,480

Following too closely

$1,053

$1,481

$1,785

$1,933

$1,480

Hit and run

$1,944

$2,515

$2,872

$2,285

$1,480

Not-at-fault accident

$1,053

$1,200

$1,410

$1,472

$1,386

Passing a school bus

$1,160

$1,758

$1,785

$1,933

$1,480

Reckless driving

$1,944

$1,758

$2,872

$2,285

$1,480

Collapse table

→ Read more about finding cheap SR-22 insurance in Georgia

Cheapest car insurance after an accident in Georgia

The cheapest car insurance company in Georgia after you’re in an at-fault accident is Auto-Owners. The average cost of car insurance from Auto-Owners after an accident is $116 a month, or $1,395 a year after an accident.

Rates for drivers with an at-fault accident

Auto-Owners

$1,395

State Farm

$1,598

USAA

$1,710

COUNTRY Financial

$1,858

Central Insurance

$2,062

Cheapest car insurance for drivers with a DUI in Georgia

The cheapest car insurance company with a DUI on your record in Georgia is State Farm. On average, the cost of car insurance from State Farm after a DUI is $123 a month or $1,480 a year.

Rates for drivers with DUIs

State Farm

$1,480

Auto-Owners Insurance

$1,944

COUNTRY Financial

$2,285

USAA

$2,390

Central Insurance

$2,872

Cheapest car insurance for drivers with a speeding ticket in Georgia

The cheapest car insurance if you have a speeding ticket in Georgia is Auto-Owners. On average, coverage from Auto-Owners is $112 a month or $1,338 a year with a speeding ticket on your record.

Rates for drivers with speeding tickets

Auto-Owners Insurance

$1,338

State Farm

$1,480

USAA

$1,481

Central Insurance

$1,785

COUNTRY Financial

$1,933

Cheapest car insurance for drivers with bad credit in Georgia

If you have poor credit, you’ll pay more for car insurance in Georgia. We found that the cheapest car insurance company in Georgia if you have bad credit is GEICO.

Rates for drivers with bad credit

GEICO

$1,912

Nationwide

$2,015

COUNTRY Financial

$2,109

USAA

$2,165

Allstate

$2,310

Cheapest car insurance in Georgia by city

The cost of car insurance where you live depends on the crime rates, population density, number of accidents, and other local factors in your area. Here are the cheapest car insurance companies in the 10 most populated cities in Georgia.

Largest cities

Cheapest company

Average yearly rate for the cheapest company

Overall citywide average

Atlanta

Auto-Owners

$1,270

$2,025

Augusta

Auto-Owners

$1,024

$1,575

Columbus

Auto-Owners

$1,116

$1,645

Macon

Auto-Owners

$1,151

$1,751

Savannah

Auto-Owners

$1,074

$1,847

Athens

Auto-Owners

$983

$1,461

Sandy Springs

Auto-Owners

$1,126

$1,832

Roswell

Auto-Owners

$1,087

$1,779

Johns Creek

Auto-Owners

$1,131

$1,819

Warner Robins

USAA

$1,046

$1,574

Collapse table

Ready to shop car insurance?

Buying car insurance in Georgia

Georgia state law requires that every driver on the road have a valid driver’s license. The law also states that all vehicles have the following minimum liability insurance requirements:

  • Bodily Injury Liability: $25,000 per person/$50,000 per incident

  • Property Damage Liability: $25,000 per incident

These limits are just the basic required minimum rates, which cover damages you cause to other people and their property. However, if you have a car payment or a more expensive car, then you’ll need to have more than just liability coverage. 

Physical damage or full coverage insurance helps pay for loss or damage to your vehicle. There are two kinds of physical damage insurance:

  • Comprehensive: Sometimes referred to as "other than collision," this type of insurance covers theft, fire, vandalism, and other kinds of damage not caused by a collision.

  • Collision: This covers damage to your car from collisions with other vehicles or objects, no matter who was at fault.

Georgia is a fault state when it comes to car accidents. This means that if you cause an accident (making you the at-fault driver), you must fully compensate the other driver for any damage to their property or personal injuries.

Keep in mind that you are responsible for all the damage you cause, which means carrying only the minimum required levels of liability coverage may leave you responsible for thousands of dollars out-of-pocket in the event of a serious accident.

Although car insurance is required in Georgia, some drivers still choose to drive uninsured. In order to protect yourself from uninsured or underinsured drivers, many companies offer uninsured motorist coverage at an additional cost. Working with an insurance expert can help you find the best coverage for your needs.

How to get cheap car insurance in Georgia

To help reduce the cost of car insurance in Georgia, many companies offer a variety of discounts: 

  • Bundling discount: Combining policies such as auto and renter’s insurance

  • Multi-car discount: Having more than one car on your policy

  • Military discount: A discount for active-duty military and their families

  • Low-mileage discount: This is available to drivers who have a shorter commute or drive less than 7,500 miles annually.

  • Safe-driver discount: For drivers without any accident claims during a given time frame

These are just a few of the discounts offered by insurance companies, so be sure and ask about what others may apply to you.

Find car insurance in your city:

Frequently asked questions

Who has the lowest car insurance in Georgia?

According to our research, Auto-Owners Insurance has the lowest rates in the state, at $1,061 per year for full coverage. That’s well below the average cost of insurance in the state.

How much is car insurance per month in Georgia?

The average cost of car insurance in Georgia is $135 per month, or $1,625 per year.

Is car insurance in Georgia expensive?

The cost of car insurance in Georgia is about the same as average. We found that the statewide average cost is just $13 cheaper per year than the national average.

Is car insurance cheaper in SC or GA?

Georgia has cheaper car insurance than South Carolina. Drivers in Georgia pay an average of $1,625 per year for car insurance, while drivers in South Carolina pay an average of $2,018 per year.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. J.D. Power

    . "

    Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds

    ." Accessed September 23, 2023.

Authors

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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