Who Has the Cheapest Car 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 $2,619 per year.

However, that rate can be quite different from city to city, and indeed, from insurer to insurer. For example, in Atlanta — the city with the most expensive car insurance in Georgia — annual rates at the most expensive company were over $5,000 more expensive than the cheapest insurer in our review. Enter your ZIP code above or below for a list of cheap insurers in your area to start comparison shopping.

Cheapest auto insurance in Georgia

We averaged quotes from car insurance companies across the Peach State and found that Georgia Farm Bureau, GEICO and Progressive offer the cheapest rates in the state. Below, we ranked rates from lowest to the most expensive for the other cheapest auto insurance companies in Georgia. Here are the five carriers with the lowest auto insurance rates:

Cheapest 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.

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 for minimum liability: 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 insurer, GEICO.

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.

Cheapest for drivers with an accident: 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. 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.

If you were recently in a car accident where you are found to be at fault, you can expect your rates 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."

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:

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 costs for a selection of cities in the Peach State. 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.

Auto insurance in Atlanta, Georgia

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

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

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

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

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 based on quotes we gathered for a 30-year-old profile driver. Depending on where drivers live and park their car, however, there will be variation. Here's how much it costs on average to insure a car in Georgia by city:

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.