Cheapest and Best Car Insurance Quotes in Georgia (2024)
Farm Bureau has the best cheap car insurance in Georgia, at $111 per month for full coverage.
Find Cheap Auto Insurance Quotes in Georgia
Best cheap car insurance in Georgia
To help you shop for the best cheap car insurance in Georgia, ValuePenguin's editorial team gathered quotes from some of the largest car insurance companies in every ZIP code in the state. Our experts ranked the best companies in Georgia based on coverage availability, convenience and customer service. We also rated companies based on affordability for multiple driver profiles.
To find the cheapest car insurance, we averaged quotes for liability-only coverage, which meets the state minimum requirements in Georgia: $25,000 in bodily injury liability per person and $50,000 per accident, and $25,000 in property damage coverage.
Quotes for full-coverage policies include higher liability limits than state minimums, along with comprehensive and collision coverage.
Cheapest car insurance in Georgia: Farm Bureau
Farm Bureau has the cheapest quotes in Georgia for full-coverage car insurance. At $111 per month, a policy from Farm Bureau costs $42 less per month than the state average.
Full-coverage insurance in Georgia costs $153 per month on average.
Find Cheap Auto Insurance Quotes in Georgia
Cheap GA car insurance companies for full coverage
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $111 |
| Auto-Owners | $122 |
| Allstate | $156 |
| State Farm | $161 |
| Geico | $191 |
*\USAA is only available to current and former military members and their families.
Cheapest liability-only insurance in Georgia: Auto-Owners
Auto-Owners has the most affordable quotes for liability only auto insurance in Georgia. At $42 per month, coverage from Auto-Owners costs 37% less than the state average and 12% less than the next-cheapest insurance company, Farm Bureau.
The average cost of car insurance in Georgia is $66 per month for minimum liability coverage.
Cheap liability quotes in GA
Company | Monthly rate |
|---|---|
| Auto-Owners | $42 |
| Farm Bureau | $47 |
| Progressive | $70 |
| State Farm | $81 |
| Geico | $81 |
*\USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Georgia
Best cheap car insurance for young drivers in Georgia: Farm Bureau
Farm Bureau offers the most affordable rates for young drivers in Georgia, with an average rate of $156 per month for minimum coverage.
And teen drivers who want full coverage should consider Auto-Owners, at $339 per month.
Drivers who qualify for USAA can take advantage of even cheaper rates, at $147 per month — 39% lower than average. But it's only available to people who have served in the military, or have a parent with USAA coverage.
Cheap car insurance quotes for teens in GA
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $156 | $354 |
| Auto-Owners | $161 | $339 |
| State Farm | $281 | $504 |
| Allstate | $282 | $568 |
| Geico | $284 | $606 |
Younger, less experienced drivers typically see much higher car insurance quotes than older drivers. An 18-year-old driver can expect to pay $240 per month on average for minimum-coverage insurance — that's more than twice as much as a 30-year-old pays.
Younger drivers can save hundreds on car insurance if they share a policy with a parent, if possible.
Best car insurance after a ticket: Auto-Owners
Auto-Owners and Farm Bureau have the cheapest rates for drivers with a speeding ticket at $122 per month for full coverage.
Cheap car insurance for Georgia drivers with a speeding ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $122 |
| Farm Bureau | $122 |
| State Farm | $172 |
| Allstate | $176 |
| Geico | $231 |
On average, full-coverage insurance quotes for Georgia drivers with a speeding ticket are 17% more expensive than for those with a clean record.
Cheap car insurance quotes after an accident: Farm Bureau
Farm Bureau has the cheapest quotes for drivers who have an accident on their records. Georgia drivers can get full-coverage insurance from Farm Bureau for $122 per month. That's 46% less than the average cost of car insurance after an accident — $226 per month.
Cheapest car insurance in Georgia after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $122 |
| Auto-Owners | $174 |
| State Farm | $187 |
| Allstate | $241 |
| Progressive | $333 |
Auto insurance quotes go up after an at-fault accident because insurance companies see these drivers as more likely to have another accident. In Georgia, average rates increase by 48% after an at-fault accident.
Cheapest car insurance for teen drivers after a ticket or accident: Auto-Owners
Auto-Owners has the cheapest liability-only quotes for young drivers in Georgia after a recent speeding ticket, at $161 per month. Farm Bureau has the best rates after an accident, at $172 per month.
Cheap car insurance for 18-year-olds after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $161 | $258 |
| Farm Bureau | $172 | $172 |
| State Farm | $305 | $335 |
| Allstate | $330 | $388 |
| Geico | $335 | $393 |
Young drivers in Georgia can expect their car insurance rates to go up by 12% after a speeding ticket, or 38% after an at-fault car accident.
Best car insurance quotes for a DUI in Georgia: Allstate
Allstate has the best quotes for drivers in Georgia with one DUI conviction, at $210 per month for full-coverage car insurance. The company's rates are 35% cheaper than the state average of $323.
Cheap DUI companies in GA
Company | Monthly rate |
|---|---|
| Allstate | $210 |
| Farm Bureau | $215 |
| Auto-Owners | $230 |
| Progressive | $272 |
| State Farm | $489 |
Driving under the influence raises your insurance rates more than any other ticket. Car insurance prices more than double in Georgia after a DUI. But prices increase only 17% after a speeding ticket and 48% after an at-fault accident.
Cheap car insurance for drivers with poor credit: Farm Bureau
Farm Bureau offers the cheapest quotes for Georgia drivers with low credit scores. At $111 per month for a full-coverage insurance policy, Farm Bureau's rate is 63% cheaper than the state average of $299.
Cheapest car insurance companies in Georgia with poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $111 |
| Allstate | $233 |
| Geico | $273 |
| Progressive | $303 |
| Auto-Owners | $317 |
Auto insurance for Georgia drivers with poor credit is nearly twice as expensive as for drivers with good credit.
Having a poor credit score doesn't necessarily mean you're a bad driver, but it does impact your car insurance rates in Georgia — car insurers have found that people with low credit scores get into more accidents and make more claims.
Best car insurance companies in Georgia
Farm Bureau is the best car insurance company in Georgia for dependable customer service, coverage availability and affordable rates.
Drivers in Georgia can also find reliable customer service and cheap rates from State Farm, though State Farm's rates are typically more expensive for Georgia drivers. USAA's also a great option for people who are affiliated with the military.
Best GA car insurance
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | NR | A | |
| State Farm | 842 | A++ | |
| USAA | 881 | A++ | |
| Auto-Owners | 837 | A++ | |
| Geico | 835 | A++ |
Customer service is an important part of car insurance, so it's essential to review company quality before you buy. A company with excellent service can help you get back on the road quickly after an accident.
Insurance companies with poor reviews may have a longer claims process, and may offer incorrect settlement offers after a crash.
Average car insurance quotes in Georgia by city
The cheapest car insurance quotes in Georgia can be found on Moody Air Force Base. There, drivers can expect to pay $114 per month, on average.
Meanwhile, drivers in Clarkston, outside Atlanta, pay the highest rates in the state. Clarkston drivers can expect to pay more than twice as much for coverage, at $234 per month.
Cheap GA car insurance near you
City | Monthly Rate | % from average |
|---|---|---|
| Abbeville | $137 | -10% |
| Acworth | $159 | 4% |
| Adairsville | $144 | -6% |
| Adel | $123 | -19% |
| Adrian | $141 | -8% |
Minimum requirements for auto insurance coverage in Georgia
Georgia drivers are required to have a minimum amount of liability insurance to drive legally, which is the case in nearly every state. Drivers in Georgia need to have liability insurance with 25/50/25 in bodily injury liability and property damage liability coverage.
Coverage | Limit |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 |
Georgia's limits provide a modest amount of coverage, but we recommend that most drivers opt for higher limits.
If your car is valued at over $5,000 or newer than eight years old, we also recommend that you get full-coverage car insurance. A full-coverage policy adds collision and comprehensive coverages, which protect your car from damage.
What's the best car insurance to get in Georgia?
Minimum-coverage car insurance quotes are $87 cheaper per month than full coverage and meet Georgia's legal insurance requirements. That includes $25,000 in bodily injury liability per person and $50,000 per accident along with $25,000 in property damage coverage.
However, if you're in an accident, a minimum-coverage policy only pays for damage to the other driver's car or property and injuries to others. It does not protect your own car or pay for injuries to you and your passengers.
Full-coverage car insurance include liability coverage plus comprehensive and collision coverage, which pay for damage to your car in nearly any kind of accident.
Frequently asked questions
Who has the cheapest car insurance in Georgia?
Auto-Owners and Farm Bureau have the cheapest car insurance quotes in Georgia. A minimum-coverage policy from Auto-Owners costs $42 per month, while full coverage from Farm Bureau costs $111 per month.
What is the average cost of car insurance in Georgia per month?
The average cost of car insurance in Georgia is $153 per month for a full coverage insurance policy. The average cost for a minimum liability policy coverage is $66 per month.
Is Georgia expensive for car insurance?
Minimum-coverage car insurance in Georgia is not expensive compared to other states. It ranks as the 32nd cheapest state for a minimum-coverage policy. Georgia is the 18th cheapest state for full-coverage car insurance.
What is the cheapest car insurance in Georgia for drivers under 25 years old?
The best rates for young drivers in Georgia come from Farm Bureau. On average, an 18-year-old driver can expect to pay $156 per month for a minimum-coverage policy from Farm Bureau.
How much insurance do I need in Georgia?
Georgia drivers need at least $25,000 of bodily injury liability coverage per person and $50,000 per accident, plus at least $25,000 of property damage liability coverage. Georgia does not require personal injury protection or uninsured motorist coverage.
Methodology
We collected thousands of quotes from ZIP codes across Georgia from some of the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Full coverage quotes include:
- $50k of bodily injury liability coverage per person, and $100k per accident
- $25k of property damage liability
- $50k of bodily injury uninsured motorist coverage per person, and $100k per accident
- $25k of uninsured motorist coverage for property damage
- Collision and comprehensive coverage with a $500 deductible
Minimum-coverage policies meet the minimum required insurance in Georgia. Young driver quotes are based on minimum coverage limits.
Rate data for this study was collected from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.