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.
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
4.7
Bundle home & auto
Offers gap coverage
Mobile app
Good student discount
Offers classic car insurance
Offers motorcycle insurance
Why we chose it
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 cons
Pros
Lower-than-average rates
Offers gap coverage
Owned by its policyholders
Cons
Not offered in every state
More details
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
5.0
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 it
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 cons
Pros
Low rates
Available nationwide
High customer service ratings
Cons
Only available to military members and their families
More details
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
4.2
Offers gap coverage
Mobile app
Good student discount
Why we chose it
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 cons
Pros
Cheaper-than-average rates
Lots of coverage options
Receives few complaints
Cons
Rates can be high if you have a spotty record
More details
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
4.7
Bundle home & auto
Mobile app
Smart home discounts
Offers new car replacement
Good student discount
Why we chose it
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 cons
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 details
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
4.8
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 it
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 cons
Pros
Available in almost every state
Low rates for teens and drivers with accidents
High customer satisfaction ratings
Cons
Limited coverage options
More details
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 |
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.
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 |
→ 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 |
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.
