Who Has the Cheapest Car Insurance Quotes in Georgia?
Who Has the Cheapest Car Insurance Quotes in Georgia?
Find Cheap Auto Insurance Quotes in Georgia
ValuePenguin compared auto insurance quotes in Georgia to give the Peach State's 6.5 million licensed drivers a sense of the best rates by city. Based on a sample driver profile, the average cost of car insurance in Georgia was $557 for a six-month minimum liability policy, or $1,114 per year.
However, rates can be quite different from insurer to insurer. For example, in Atlanta — the city with the most expensive car insurance in Georgia — annual rates for a full coverage policy at the most expensive company were over $5,000 more costly than that of the cheapest, highlighting the importance of comparing rates.
Enter your ZIP code above or below for a list of cheap insurers in your area to start comparison shopping.
Cheapest companies for minimum liability insurance: Georgia Farm Bureau
The cheapest company for minimum liability auto insurance coverage in Georgia is Georgia Farm Bureau, according to our study. Quotes from this company were 54% less than the average minimum coverage policy cost in the state and 35% less than the next cheapest liability insurer, GEICO.
Find Cheap Auto Insurance Quotes in Georgia
Note, that while a policy with the minimum liability coverage may be the cheapest way to get insurance, it does not include first-party coverages for your vehicle. This means that you'll be stuck paying out of pocket for repairs if your car is, for example, vandalized or damaged in an accident where you are at fault.
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | Georgia Farm Bureau | $512 |
| 2 | GEICO | $784 |
| 3 | Progressive | $942 |
| 4 | Allstate | $1,361 |
| 5 | State Farm | $2,562 |
| N/A* | USAA | $520 |
Cheapest companies for full coverage: Georgia Farm Bureau
The best insurance company for affordable full coverage auto insurance in Georgia for our 30-year-old profile driver is Georgia Farm Bureau. Their quote was less than half of the average rate in the state.
To be eligible for insurance coverage through this company, you have to be a Georgia Farm Bureau member. However, membership is open to all and only costs $35 per year — which is well worth the cost considering we found their rates to be more than $1,000 less than the yearly annual premiums.
- Georgia Farm Bureau: $1,257 per year or $105 per month
- GEICO: $1,669 per year or $139 per month
- Progressive: $2,512 per year or $209 per month
We recommend that drivers who are insuring a car worth more than a few thousand dollars consider a full coverage auto insurance policy. These policies, in addition to all of the state required coverages, include comprehensive and collision coverage — which can pay to repair or replace your vehicle if it is damaged.
Cheapest companies for drivers with an accident history: Georgia Farm Bureau
If you've been in an accident recently and are looking to save on auto insurance coverage, you should consider Georgia Farm Bureau — which provided the cheapest rate in the state according to our study.
Using a full coverage policy, this company's annual premiums for drivers with an accident on their record were not only about one third of the average, but were also only $117 more per year than the price they quoted for a driver with a clean record.
- Georgia Farm Bureau: $1,374 per year $114 per month
- GEICO: $3,007 per year $251 per month
- Progressive: $4,890 per year $408 per month
If you were recently in a car accident where you are found to be at fault, you can expect your average premium to go up by 47% — according to our study. Insurers charge drivers with accidents on their record more for insurance because they are statistically more likely to be in another accident and are therefore more risky to cover.
Best auto insurance companies in Georgia
When accounting for both claim satisfaction and customer service — according to a survey of current customers — USAA ranks as the best car insurance company in Georgia. USAA was the only company in the state for which over 50% of current customers rated their customer service as "excellent."
| Overall rank* | Group | % of respondents overall extremely satisfied with most recent claim | % of respondents who rated customer service as "excellent" |
|---|---|---|---|
| 1 | USAA | 78% | 62% |
| 2 | Allstate | 72% | 47% |
| 3 | State Farm | 73% | 46% |
| 4 | Progressive | 74% | 34% |
| 5 | GEICO | 64% | 42% |
| NA | Georgia Farm Bureau | NA | NA |
Minimum requirements for auto insurance coverage in Georgia
As in every state, drivers are required to have a minimum amount of liability car insurance to stay on the road. Georgia's limits provide a modest amount of coverage, but we would recommend most drivers opt for higher limits. If your car is valued at over $3,000, we would also recommend you get full coverage car insurance and add collision and comprehensive to your policy. The following are the minimum limits in Georgia:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability per accident: $25,000
Uninsured / underinsured motorist coverage: Traditional vs. Added-On
While uninsured and underinsured ("UM/UIM") coverage is optional in Georgia, drivers here have an option to expand their coverage. It's known as Added-On to At-Fault Liability. If you want greater peace of mind and don't mind paying about 2% extra on top of your annual premium, then consider picking the new added-on version of UM/UIM.
Cheapest car insurance in Georgia: By city
Because car insurance is highly dependent on where a driver lives, drives and parks their car, we took a look at quotes for a selection of cities in the Peach State.
For a full coverage policy, Georgia Farm Bureau was the cheapest auto insurer in 49 of the 50 we surveyed, with GEICO — the cheapest insurer in Valdosta — being the exception.
| City | Company | Annual premium |
|---|---|---|
| Atlanta | GA Farm Bureau | $1,532 |
| GEICO | $2,309 | |
| Progressive | $3,171 | |
| Columbus | GA Farm Bureau | $1,301 |
| GEICO | $1,474 | |
| Progressive | $2,644 | |
| Savannah | GA Farm Bureau | $1,299 |
| GEICO | $1,846 | |
| Progressive | $2,758 | |
| Sandy Springs | GA Farm Bureau | $1,251 |
| GEICO | $1,841 | |
| Progressive | $3,010 | |
| Johns Creek | GA Farm Bureau | $1,605 |
| GEICO | $2,011 | |
| Progressive | $3,424 | |
| Warner Robins | GA Farm Bureau | $1,201 |
| GEICO | $1,530 | |
| Progressive | $2,679 | |
| Albany | GA Farm Bureau | $1,226 |
| GEICO | $1,484 | |
| Progressive | $2,373 | |
| Alpharetta | GA Farm Bureau | $1,323 |
| GEICO | $1,785 | |
| Progressive | $2,897 | |
| Marietta | GA Farm Bureau | $1,407 |
| GEICO | $2,104 | |
| Progressive | $3,020 | |
| Smyrna | GA Farm Bureau | $1,407 |
| GEICO | $2,510 | |
| Progressive | $3,051 | |
| Valdosta | GEICO | $1,201 |
| GA Farm Bureau | $1,201 | |
| Progressive | $1,821 | |
| Dunwoody | GA Farm Bureau | $1,605 |
| GEICO | $1,716 | |
| Progressive | $2,809 | |
| Gainesville | GA Farm Bureau | $1,255 |
| GEICO | $1,673 | |
| Progressive | $2,683 | |
| Newnan | GA Farm Bureau | $1,201 |
| GEICO | $1,599 | |
| Progressive | $2,582 | |
| Milton | GA Farm Bureau | $1,251 |
| GEICO | $1,854 | |
| Progressive | $2,794 | |
| Rome | GA Farm Bureau | $1,251 |
| GEICO | $1,540 | |
| Progressive | $2,492 | |
| Tucker | GA Farm Bureau | $1,605 |
| GEICO | $2,094 | |
| Progressive | $3,199 | |
| Peachtree City | GA Farm Bureau | $1,201 |
| GEICO | $1,674 | |
| Progressive | $2,485 | |
| East Point | GA Farm Bureau | $1,605 |
| GEICO | $2,921 | |
| Progressive | $3,328 | |
| Douglasville | GA Farm Bureau | $1,407 |
| GEICO | $2,382 | |
| Progressive | $3,064 | |
| Kennesaw | GA Farm Bureau | $1,407 |
| GEICO | $1,782 | |
| Progressive | $2,727 | |
| Dalton | GA Farm Bureau | $1,267 |
| GEICO | $1,477 | |
| Progressive | $2,089 | |
| Woodstock | GA Farm Bureau | $1,255 |
| GEICO | $1,781 | |
| Progressive | $2,846 | |
| Statesboro | GA Farm Bureau | $1,201 |
| GEICO | $1,456 | |
| Progressive | $2,396 | |
| Lagrange | GA Farm Bureau | $1,201 |
| GEICO | $1,651 | |
| Progressive | $2,593 | |
| Lawrenceville | GA Farm Bureau | $1,251 |
| GEICO | $2,085 | |
| Progressive | $3,133 | |
| Stockbridge | GA Farm Bureau | $1,355 |
| GEICO | $2,515 | |
| Progressive | $2,955 | |
| Duluth | GA Farm Bureau | $1,255 |
| GEICO | $2,049 | |
| Progressive | $3,415 | |
| Canton | GA Farm Bureau | $1,255 |
| GEICO | $1,602 | |
| Progressive | $2,683 | |
| Carrollton | GA Farm Bureau | $1,255 |
| GEICO | $1,550 | |
| Progressive | $2,638 | |
| Mcdonough | GA Farm Bureau | $1,201 |
| GEICO | $2,544 | |
| Progressive | $3,023 | |
| Decatur | GA Farm Bureau | $1,605 |
| GEICO | $2,746 | |
| Progressive | $3,884 | |
| Pooler | GA Farm Bureau | $1,299 |
| GEICO | $1,552 | |
| Progressive | $2,479 | |
| Griffin | GA Farm Bureau | $1,201 |
| GEICO | $1,475 | |
| Progressive | $2,552 | |
| Acworth | GA Farm Bureau | $1,407 |
| GEICO | $1,774 | |
| Progressive | $2,718 | |
| Union City | GA Farm Bureau | $1,605 |
| GEICO | $3,068 | |
| Progressive | $3,178 | |
| Cartersville | GA Farm Bureau | $1,255 |
| GEICO | $1,690 | |
| Progressive | $2,656 | |
| Snellville | GA Farm Bureau | $1,251 |
| GEICO | $2,324 | |
| Progressive | $3,190 | |
| Milledgeville | GA Farm Bureau | $1,201 |
| GEICO | $1,735 | |
| Allstate | $3,689 | |
| Thomasville | GA Farm Bureau | $1,201 |
| GEICO | $1,353 | |
| Progressive | $2,037 | |
| Fayetteville | GA Farm Bureau | $1,201 |
| GEICO | $2,158 | |
| Progressive | $2,806 | |
| Kingsland | GA Farm Bureau | $1,201 |
| GEICO | $1,350 | |
| Progressive | $2,063 | |
| Perry | GA Farm Bureau | $1,201 |
| GEICO | $1,369 | |
| Progressive | $2,393 | |
| Calhoun | GA Farm Bureau | $1,255 |
| GEICO | $1,675 | |
| Progressive | $2,379 | |
| Riverdale | GA Farm Bureau | $1,355 |
| GEICO | $2,987 | |
| Progressive | $3,243 | |
| Tifton | GA Farm Bureau | $1,201 |
| GEICO | $1,526 | |
| Progressive | $2,121 | |
| Norcross | GA Farm Bureau | $1,251 |
| GEICO | $2,082 | |
| Progressive | $3,098 | |
| Brunswick | GA Farm Bureau | $1,201 |
| GEICO | $1,368 | |
| Progressive | $1,960 | |
| Conyers | GA Farm Bureau | $1,251 |
| GEICO | $2,543 | |
| Progressive | $3,125 | |
| Fairburn | GA Farm Bureau | $1,605 |
| GEICO | $1,862 | |
| Progressive | $3,193 |
Auto insurance in Atlanta, Georgia
- Average annual cost = $3,259
- 24% higher than the statewide annual average ($2,619)
- 56% costlier than Valdosta, the city included in our study with the cheapest car insurance
Rates in Atlanta could differ by as much as 438%, depending on which company you go with. The three cheapest insurance companies in this city featured rates that were 45% less than the citywide average.
Auto insurance in Columbus, Georgia
- Average annual cost = $2,705
- 3% higher than the Georgia average
- 17% cheaper than Atlanta
In Columbus, getting insurance with one of the three cheapest insurance companies — Georgia Farm Bureau, GEICO or Progressive — would save drivers an average of 33% on their premiums. This translates to an annual cost difference of $898 per year.
Auto insurance in Savannah, Georgia
- Average annual cost = $2,781
- $162 more per year than the statewide annual average ($2,619)
- Average for three cheapest companies = $1,968
The most affordable companies with which to insure a car in Savannah are Georgia Farm Bureau, GEICO and Progressive. Among the first three insurers rates for a full coverage policy are 29% cheaper than the city average.
Auto insurance in Sandy Springs, Georgia
- Average annual cost = $2,993
- 14% greater than GA average of $2,619 per year
- Georgia Farm Bureau offers the cheapest rates in the city
Sandy Spring drivers looking for the cheapest rates should consider Georgia Farm Bureau, GEICO and Progressive. These companies' rates were, on average, 32% less than the citywide mean.
Auto insurance in Johns Creek, Georgia
- Average annual cost = $3,038
- 7% cheaper than Atlanta
- Georgia Farm Bureau's rates 47% cheaper than the city average
Those looking to save on coverage in Johns Creek can find the cheapest rates from Georgia Farm Bureau. This company offered an annual rate for our profile driver of $1,605 for a full coverage policy.
Average car insurance cost in Georgia: By city
At a statewide level, the average cost we found was $2,619 per year for a full coverage policy based on quotes we gathered for a 30-year-old profile driver. The same driver was charged $1,114 for a minimum liability policy.
Depending on where drivers live and park their car, however, there will be variation. Here's a comparison of how much it costs on average to insure a car in Georgia by city with a full coverage policy:
| Rank | City | Average annual car insurance premiums |
|---|---|---|
| 1 | Valdosta | $2,094 |
| 2 | Brunswick | $2,222 |
| 3 | Kingsland | $2,223 |
| 4 | Thomasville | $2,230 |
| 5 | Tifton | $2,266 |
| 6 | Albany | $2,375 |
| 7 | Dalton | $2,423 |
| 8 | Perry | $2,432 |
| 9 | Statesboro | $2,530 |
| 10 | Peachtree City | $2,551 |
| 11 | Warner Robins | $2,584 |
| 12 | Calhoun | $2,594 |
| 13 | Pooler | $2,601 |
| 14 | Newnan | $2,607 |
| 15 | Rome | $2,631 |
| 16 | Lagrange | $2,647 |
| 17 | Cartersville | $2,668 |
| 18 | Gainesville | $2,688 |
| 19 | Griffin | $2,693 |
| 20 | Carrollton | $2,703 |
| 21 | Canton | $2,704 |
| 22 | Columbus | $2,705 |
| 23 | Milton | $2,738 |
| 24 | Savannah | $2,781 |
| 25 | Fayetteville | $2,811 |
| 26 | Woodstock | $2,813 |
| 27 | Acworth | $2,820 |
| 28 | Alpharetta | $2,873 |
| 29 | Kennesaw | $2,902 |
| 30 | Dunwoody | $2,956 |
| 31 | Duluth | $2,976 |
| 32 | Marietta | $2,992 |
| 33 | Sandy Springs | $2,993 |
| 34 | Johns Creek | $3,038 |
| 35 | Mcdonough | $3,091 |
| 36 | Milledgeville | $3,094 |
| 37 | Smyrna | $3,104 |
| 38 | Douglasville | $3,110 |
| 39 | Stockbridge | $3,111 |
| 40 | Norcross | $3,148 |
| 41 | Conyers | $3,154 |
| 42 | Lawrenceville | $3,156 |
| 43 | Tucker | $3,201 |
| 44 | Snellville | $3,210 |
| 45 | Atlanta | $3,259 |
| 46 | Fairburn | $3,281 |
| 47 | Riverdale | $3,467 |
| 48 | East Point | $3,474 |
| 49 | Union City | $3,517 |
| 50 | Decatur | $3,604 |
Methodology
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different. The quotes we obtained were for a 2015 Honda Civic EX owned by our sample driver who drives 12,000 miles a year.
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.