Best and Cheapest Car Insurance Quotes in Georgia (2023)
Best and Cheapest Car Insurance Quotes in Georgia (2023)
Auto-Owners has the cheapest car insurance quotes in Georgia for minimum liability coverage, at $30 per month.
Best cheap car insurance companies in Georgia
To help you shop for the best cheap car insurance in GA, 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 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 quotes in Georgia: Auto-Owners
Auto-Owners has the most affordable quotes for minimum-coverage auto insurance in Georgia. At $30 per month, coverage from Auto-Owners costs 41% less than the state average and 36% less than the next-cheapest insurance company, Farm Bureau.
The average cost of car insurance in Georgia is $52 per month for minimum liability coverage.
Find Cheap Auto Insurance Quotes in Georgia
Military members, veterans and their families can also take advantage of affordable rates from USAA. A minimum-coverage policy costs $41 per month, which is 21% cheaper than average.
Cheapest minimum coverage car insurance in Georgia
Company | Monthly rate | |
|---|---|---|
| Auto-Owners | $30 |
| Farm Bureau | $47 |
| Progressive | $55 |
| State Farm | $57 |
| Geico | $64 |
*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 drive legally. In Georgia, minimum coverage is $74 less per month than full 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.
We recommend purchasing full-coverage car insurance instead of a minimum-coverage policy to ensure your car is protected and you have enough insurance to cover the costs of a major accident.
Cheapest full-coverage car insurance in Georgia: Farm Bureau
Auto-Owners offers the cheapest quotes in Georgia for full-coverage car insurance. At $97 per month, a policy from Auto-Owners costs $28 less per month than the state average.
Full-coverage auto insurance in Georgia costs $125 per month, on average.
Cheapest full coverage car insurance in Georgia
Company | Monthly rate |
|---|---|
| Auto-Owners | $97 |
| Farm Bureau | $110 |
| State Farm | $115 |
| Allstate | $140 |
| Geico | $150 |
*USAA is only available to current and former military members and their families.
In addition to liability coverage, full-coverage policies include comprehensive and collision coverages. Comprehensive coverage pays for damage due to events beyond your control, like hail or theft. Collision coverage pays for damage to your own car when you're in an accident, regardless of fault.
Cheapest car insurance quotes for Georgia drivers with prior incidents
Incidents in your driving history, like speeding tickets or DUIs, can cause your rates to go up. Insurance companies determine your rates based on a number of factors, including your driving history and credit score.
Find Cheap Auto Insurance Quotes in Georgia
Cheapest car insurance after a speeding ticket: Auto-Owners
Auto-Owners has the cheapest rates for drivers with a speeding ticket at $97 per month for full coverage. The company doesn't raise rates for many drivers after a single speeding ticket.
On average, full-coverage insurance quotes for Georgia drivers with a speeding ticket are 17% more expensive than for those with a clean record.
Cheapest car insurance in Georgia after a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $97 |
| Farm Bureau | $120 |
| State Farm | $123 |
| Allstate | $159 |
| Geico | $181 |
Cheapest car insurance 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 $120 per month. That's 38% less than the average cost of car insurance after an accident — $195 per month.
Cheapest car insurance in Georgia after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $120 |
| Auto-Owners | $130 |
| State Farm | $216 |
| Allstate | $217 |
| Geico | $266 |
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 56% after an at-fault accident.
Cheapest car insurance quotes after a DUI: Auto-Owners
Auto-Owners has the best quotes for drivers in Georgia with one DUI citation, at $182 per month for full-coverage car insurance. The company's rates are 30% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Auto-Owners | $182 |
| Allstate | $190 |
| Farm Bureau | $212 |
| Progressive | $228 |
| State Farm | $357 |
Driving under the influence raises your insurance rates more than any other traffic violation. While rates increase by 17% after a speeding ticket and 56% after an at-fault accident, they more than double after a DUI.
Cheapest car insurance for drivers with poor credit: Farm Bureau
Farm Bureau offers the cheapest quotes for Georgia drivers with low credit scores. At $110 per month for a full-coverage insurance policy, Farm Bureau's rate is 51% cheaper than the state average.
Cheapest car insurance in Georgia with poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $110 |
| Allstate | $211 |
| Geico | $214 |
| Auto-Owners | $250 |
| Progressive | $258 |
Having a poor credit score doesn't necessarily mean you're a bad driver, but it impacts your car insurance rates in Georgia. Auto insurance for Georgia drivers with poor credit is 80% more expensive than for drivers with good credit.
Cheapest car insurance quotes for young drivers in Georgia: Auto-Owners
Auto-Owners offers affordable rates for young drivers in Georgia, with an average rate of $113 per month for minimum coverage.
Drivers who qualify for USAA can take advantage of even cheaper rates, at $100 per month — 47% lower than average.
Cheapest car insurance for Georgia teens
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $113 | $283 |
| Farm Bureau | $153 | $350 |
| State Farm | $198 | $359 |
| Geico | $224 | $467 |
| Allstate | $232 | $518 |
Younger, less experienced drivers typically see much higher car insurance quotes than older drivers. An 18-year-old driver can expect to pay $188 per month on average for minimum-coverage insurance — that's more than twice as much as a 30-year-old pays.
We recommend that younger drivers share a policy with a parent, if possible. Sharing a policy usually costs considerably less than buying your own coverage.
Cheapest car insurance for teen drivers after a ticket: Auto-Owners
Auto-Owners offers the cheapest minimum-coverage quotes for young drivers in Georgia with a recent speeding ticket. At $113 per month, a policy from Auto-Owners costs the same for teens with a speeding ticket as it does for those with a clean record.
Young drivers in Georgia can expect their car insurance rates to go up by 12% after a speeding ticket.
Cheapest car insurance for young drivers after a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $113 |
| Farm Bureau | $169 |
| State Farm | $216 |
| Geico | $265 |
| Allstate | $272 |
Cheapest car insurance for young Georgia drivers after an accident: Auto-Owners
Auto-Owners has the cheapest car insurance quotes for young drivers with an at-fault accident, at $167 per month. Causing an accident will increase an 18-year-old driver's rates by 28% in Georgia, from $188 per month to $239 for a minimum-coverage insurance policy.
Cheapest car insurance in GA for teens after an accident
Company | Monthly rate |
|---|---|
| Auto-Owners | $167 |
| Farm Bureau | $169 |
| State Farm | $237 |
| Geico | $311 |
| Allstate | $319 |
Cheapest car insurance quotes for married drivers in Georgia: Auto-Owners
Auto-Owners offers married drivers the best rates in Georgia, at $97 per month for a full-coverage policy.
Company | Monthly rate per car |
|---|---|
| Auto-Owners | $97 |
| Farm Bureau | $110 |
| State Farm | $115 |
| Progressive | $132 |
| Geico | $133 |
Statistically, married drivers cause fewer accidents than single drivers, which means cheaper car insurance rates. On average, quotes are 7% cheaper for married drivers in Georgia than for unmarried drivers.
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 and USAA.
Best car insurance companies in Georgia
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | NR | A | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Auto-Owners | 837 | A++ | |
| Geico | 835 | A++ |
Researching customer service reviews is an important part of shopping for car insurance. 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 you could end up spending more out of pocket for repairs.
Average car insurance quotes in Georgia by city
The cheapest car insurance quotes in Georgia can be found on Moody Air Force Base. Drivers in Lithonia pay the highest rates in the state.
Full-coverage auto insurance in Georgia varies by up to $86 per month from city to city. People living on Moody Air Force Base pay around $96 per month for car insurance. Lithonia drivers can expect to pay nearly twice as much for coverage, at $182 per month.
City | Monthly cost | % from average |
|---|---|---|
| Abbeville | $118 | -6% |
| Acworth | $130 | 4% |
| Adairsville | $121 | -3% |
| Adel | $106 | -15% |
| Adrian | $119 | -5% |
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. Drivers in Georgia need to purchase 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 $3,000, 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.
Frequently asked questions
Who has the cheapest car insurance in Georgia?
Auto-Owners has the cheapest car insurance quotes in Georgia. A minimum-coverage policy from Auto-Owners costs $30 per month, while full coverage costs $97 per month.
What is the average cost of car insurance in Georgia per month?
The average cost of car insurance in Georgia is $52 per month for a minimum liability insurance policy. The average cost for full coverage is $125 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 27th cheapest state for a minimum-coverage policy. Georgia is the 12th 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 Auto-Owners. On average, an 18-year-old driver can expect to pay $113 per month for a minimum-coverage policy from Auto-Owners.
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. Our sample driver is a 30-year-old man with good credit and a clean driving record that drives a 2015 Honda Civic EX.
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. 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.