Who Has the Cheapest Car Insurance Quotes in Georgia? (2022)
Who Has the Cheapest Car Insurance Quotes in Georgia? (2022)
Farm Bureau has the cheapest car insurance quotes in Georgia for minimum liability coverage, at $562 per year, or $47 per month.
Find Cheap Auto Insurance Quotes in Georgia
Best cheap car insurance companies in Georgia
To help you shop for the best cheap car insurance in Georgia, our editorial team gathered quotes from some of the largest car insurance companies in every ZIP code across the state. We ranked the best companies in Georgia based on coverage availability, convenience and customer service. We also rated insurers 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 quotes in Georgia: Farm Bureau
Farm Bureau has the most affordable rates for minimum-coverage auto insurance in Georgia. At $562 per year, car insurance quotes from Farm Bureau costs 23% less than the state average and 12% less than the next-cheapest insurer, State Farm.
The average cost of car insurance in Georgia is $716 per year, or $60 per month, for minimum liability coverage.
Find Cheap Auto Insurance Quotes in Georgia
To be eligible for insurance coverage through Farm Bureau, you have to be a Georgia Farm Bureau member. Membership is open to all and only costs $35 per year. A membership could be worth the price, considering their minimum-coverage rates are $78 less per year than the next-cheapest widely available insurer, and full-coverage rates are $88 less.
Active-duty military members, veterans and their families can take advantage of even cheaper rates from USAA, at $557 a year.
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $47 |
| State Farm | $53 |
| Geico | $59 |
| Progressive | $78 |
| Allstate | $80 |
| USAA | $46 |
USAA is only available to current and former military members and their families.
Minimum-coverage car insurance quotes meet Georgia's legal requirements, which includes $25,000 in bodily injury liability per person and $50,000 per accident along with $25,000 in property damage coverage.
Purchasing minimum coverage is the cheapest way to make sure you're covered — in Georgia, it’s $927 less per year than full coverage. However, a minimum-coverage policy only pays for injuries to others resulting from an accident or damage to the other driver's car or property. It does not include protection for damage to your own car or injuries to you and your passengers.
We recommend purchasing full-coverage car insurance instead of a minimum-coverage policy.
Cheapest full-coverage car insurance in Georgia: Farm Bureau
Farm Bureau offers the cheapest rates for full coverage as well, at $1,322 a year — that's $321 less than the state average.
Company | Monthly rate |
|---|---|
| Farm Bureau | $110 |
| State Farm | $118 |
| Geico | $145 |
| Allstate | $166 |
| Progressive | $175 |
| USAA | $108 |
USAA is only available to current and former military members and their families.
Full-coverage auto insurance in Georgia costs $1,642 per year, or $137 per month, on average.
In addition to liability coverage, full-coverage policies include comprehensive and collision coverages. Comprehensive coverage pays for damage resulting from incidents beyond your control, such as hail or theft, while collision coverage pays for damage to your own car when you're in control of the vehicle.
Cheapest car insurance quotes for Georgia drivers with prior incidents
Insurance companies personalize your rates based on a number of factors, including your driving history and credit score. Incidents in your driving history, such as citations for traffic violations or DUIs, can cause your rates to go up. Farm Bureau has the best rates for drivers with an imperfect record.
Find Cheap Auto Insurance Quotes in Georgia
Cheapest car insurance after a speeding ticket: Farm Bureau
Full-coverage insurance quotes for Georgia drivers who recently received a speeding ticket are 18% more expensive than for those with a clean record. Farm Bureau has the cheapest rates for drivers with a speeding ticket — the company raises rates to $1,446 a year, a 9% increase.
Company | Monthly rate |
|---|---|
| Farm Bureau | $120 |
| State Farm | $128 |
| Geico | $165 |
| Allstate | $188 |
| Progressive | $231 |
| USAA | $134 |
USAA is only available to current and former military members and their families.
Cheapest car insurance after an accident: Farm Bureau
Farm Bureau has the cheapest quotes for drivers who have an at-fault accident on their record. While the average cost of car insurance after an accident is $2,414 a year, Farm Bureau offers Georgia drivers full-coverage insurance for $1,466 annually — the same price you would pay with a speeding ticket and 40% below average.
Company | Monthly rate |
|---|---|
| Farm Bureau | $120 |
| State Farm | $139 |
| Geico | $248 |
| Allstate | $255 |
| Progressive | $289 |
| USAA | $155 |
USAA is only available to current and former military members and their families.
Auto insurance premiums go up after an at-fault accident because drivers with a recent accident pose a higher risk to insurers than drivers with a clean record. In Georgia, average rates increase by 47% after an at-fault accident.
Cheapest car insurance quotes after a DUI: Farm Bureau
At $2,555 per year, or $213 per month, for full-coverage car insurance, Farm Bureau offers the best quotes for drivers in Georgia with one DUI citation. The company's rates are $993 more affordable than the state average.
Company | Monthly rate |
|---|---|
| Farm Bureau | $213 |
| Allstate | $224 |
| Progressive | $244 |
| State Farm | $399 |
| Geico | $478 |
| USAA | $216 |
USAA is only available to current and former military members and their families.
Driving under the influence raises your insurance rates more than any other traffic violation. While rates increase by 18% after a speeding ticket and 47% after an at-fault accident, they rise from $1,642 to $3,549 after a DUI — a 116% increase.
Cheapest car insurance for drivers with poor credit: Farm Bureau
Farm Bureau offers the best rates for Georgia drivers with low credit scores. The state average is $2,320 annually, but Farm Bureau's rate is $998 cheaper, at $1,322 per year for a full-coverage insurance policy.
Company | Monthly rate |
|---|---|
| Farm Bureau | $110 |
| Geico | $196 |
| State Farm | $210 |
| Allstate | $232 |
| Progressive | $237 |
| USAA | $175 |
USAA is only available to current and former military members and their families.
Having a poor credit score doesn't necessarily mean you're an irresponsible driver, but it impacts your car insurance rates in Georgia. Auto insurance for Georgia drivers with poor credit is 41% more expensive than for drivers with average credit.
Cheapest car insurance quotes for married drivers in Georgia: Farm Bureau
Farm Bureau offers married drivers the best rates we found, at $1,322 per year — $185 below average.
Statistically, married drivers cause fewer accidents than single drivers, resulting in lower rates from many insurers. Average annual rates are 8% cheaper for married drivers in Georgia than for unmarried drivers.
Company | Monthly rate |
|---|---|
| Farm Bureau | $110 |
| State Farm | $118 |
| Geico | $129 |
| Progressive | $137 |
| Allstate | $161 |
| USAA | $98 |
USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for young drivers in Georgia: Farm Bureau
Farm Bureau offers relatively affordable rates for young drivers in Georgia, with an average annual quote of $1,852 for minimum coverage. Drivers who qualify for USAA can take advantage of even cheaper rates, at $1,317 a year — 48% lower than average.
Younger, less experienced drivers typically see much higher car insurance quotes than older drivers. An 18-year-old driver can expect to pay $2,521 per year on average for minimum-coverage insurance — that's 234% more than a 30-year-old pays.
Company | Full coverage |
|---|---|
| Farm Bureau | $4,207 |
| State Farm | $4,286 |
| Geico | $5,109 |
| Allstate | $6,641 |
| Progressive | $9,843 |
| USAA | $2,824 |
USAA is only available to current and former military members and their families.
If possible, we recommend that younger drivers share a policy with a parent or other older driver, which often results in more affordable rates.
Cheapest car insurance for teen drivers after a ticket: Farm Bureau
Young drivers in Georgia can expect their car insurance rates to go up by 14% after a speeding ticket. Farm Bureau offers the most affordable minimum-coverage rate for these drivers, at $2,035 a year, or $170 a month.
Company | Monthly rate |
|---|---|
| Farm Bureau | $170 |
| State Farm | $198 |
| Geico | $230 |
| Allstate | $293 |
| Progressive | $414 |
| USAA | $127 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for young Georgia drivers after an accident: Farm Bureau
Farm Bureau offers the cheapest car insurance for young drivers with an at-fault accident, at $2,035 a year — the same increase as a speeding ticket.
Getting in an accident causes an 18-year-old driver's rates to increase by 25% in Georgia, from $2,521 to $3,163 for a minimum-coverage insurance policy.
Company | Monthly rate |
|---|---|
| Farm Bureau | $170 |
| State Farm | $218 |
| Geico | $269 |
| Allstate | $344 |
| Progressive | $447 |
| USAA | $134 |
USAA is only available to current and former military members and their families.
Best car insurance companies in Georgia
USAA is the best car insurance company in Georgia, based on its top financial stability marks, best-in-class J.D. Power customer satisfaction score and our editor's rating.
Drivers who are not eligible for USAA should consider Farm Bureau and State Farm. Both insurers received excellent marks for financial strength, exemplary customer service scores and high ratings from our editors.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | 883 | A+ | |
| State Farm | 859 | A++ | |
| Geico | 843 | A++ | |
| Allstate | 838 | A+ | |
| Progressive | 828 | A+ | |
| USAA | 890 | A++ |
J.D. Power commissions an annual survey for car insurance customers regarding how satisfied they are with a company's claims service.
A.M. Best evaluates an insurer's financial performance based on letter grades. A higher score indicates a better financial ability to pay out claims, and the highest score is A++.
Average car insurance quotes in Georgia by city
It's not just how you drive that impacts your auto insurance rates, but where you live as well. Full-coverage auto insurance in Georgia fluctuates by over $1,600 per year from city to city.
The cheapest car insurance in the state can be found in Auburn, where average rates are 52% less than the typical price statewide. On the other hand, Candler-McAfee drivers pay 50% above average for car insurance, the highest rate in the state.
City | Average monthly cost | Percent from average |
|---|---|---|
| Abbeville | $123 | -10% |
| Acworth | $138 | 1% |
| Adairsville | $129 | -6% |
| Adel | $114 | -17% |
| Adrian | $125 | -8% |
Minimum requirements for auto insurance coverage in Georgia
As in nearly every state, Georgia drivers are required to have a minimum amount of liability insurance to drive legally. The following are the minimum insurance limits required in Georgia:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability per accident: $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 $3,000, we also recommend that you get full-coverage car insurance, which adds collision and comprehensive coverages to your policy.
Frequently asked questions
What is the cheapest car insurer in Georgia?
Farm Bureau has the best average rates for minimum-coverage and full-coverage auto insurance policies in Georgia, at $562 and $1,322 a year, respectively. Drivers who are eligible for USAA can take advantage of even cheaper rates — $557 a year for minimum coverage and $1,295 a year for full coverage.
What is the average cost of car insurance in Georgia per month?
The average cost of car insurance in Georgia is $60 per month for a minimum liability insurance policy. The average cost for full coverage is $137 per month.
Is Georgia expensive for car insurance?
Car insurance in Georgia is not significantly more expensive compared to other states. It ranks as the 18th most expensive state for a minimum coverage policy, at $716 per year on average, and 36th for a full coverage policy. Car insurance rates in Georgia rose by an average of 1.07% from last year, which is slightly higher than the nationwide average increase of 0.64%.
What is the cheapest car insurance in Georgia for drivers under 25 years old?
We found the best rates for young drivers in Georgia through Farm Bureau, which quotes our 18-year-old sample driver $1,852 a year for minimum coverage.
How much insurance do I need in Georgia?
Georgians need at least $25,000/$50,000 of bodily injury liability coverage, 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 for six of the largest insurers using a sample driver with the following profile:
- 30-year-old male
- Drives a 2015 Honda Civic EX
- Average credit
All quotes are based on a full-coverage policy and clean driving record unless otherwise noted. Full-coverage auto insurance quotes include the following limits:
Coverage | Limit |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum-coverage policy, we referenced the minimum required limits in Georgia, cited above. Young driver quotes were obtained using 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.