Auto Insurance

Who Has the Cheapest Car Insurance Quotes in Georgia?

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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:

Chart of the cheapest car insurance companies in Georgia.

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RankCompanyAverage annual rate
1Georgia Farm Bureau$1,257
2GEICO$1,669
3Progressive$2,512
4Allstate$3,439
5State Farm$5,419
NAUSAA$1,416
* USAA is excluded from rankings because it is only available to current and former military members and their families.

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.

  • 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 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.

  • Georgia Farm Bureau: $512 per year or $43 per month
  • GEICO: $784 per year or $65 per month
  • Progressive: $942 per year or $79 per month

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.

  • 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 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."

Overall rank*Group% of respondents overall extremely satisfied with most recent claim% of respondents who rated customer service as "excellent"
1USAA78%62%
2Allstate72%47%
3State Farm73%46%
4Progressive74%34%
5GEICO64%42%
NAGeorgia Farm BureauNANA
* Overall rank takes both overall satisfaction and customer service rankings into account.

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 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.

CityCompanyAnnual premium
AtlantaGA Farm Bureau$1,532
GEICO$2,309
Progressive$3,171
ColumbusGA Farm Bureau$1,301
GEICO$1,474
Progressive$2,644
SavannahGA Farm Bureau$1,299
GEICO$1,846
Progressive$2,758
Sandy SpringsGA Farm Bureau$1,251
GEICO$1,841
Progressive$3,010
Johns CreekGA Farm Bureau$1,605
GEICO$2,011
Progressive$3,424
Warner RobinsGA Farm Bureau$1,201
GEICO$1,530
Progressive$2,679
AlbanyGA Farm Bureau$1,226
GEICO$1,484
Progressive$2,373
AlpharettaGA Farm Bureau$1,323
GEICO$1,785
Progressive$2,897
MariettaGA Farm Bureau$1,407
GEICO$2,104
Progressive$3,020
SmyrnaGA Farm Bureau$1,407
GEICO$2,510
Progressive$3,051
ValdostaGEICO$1,201
GA Farm Bureau$1,201
Progressive$1,821
DunwoodyGA Farm Bureau$1,605
GEICO$1,716
Progressive$2,809
GainesvilleGA Farm Bureau$1,255
GEICO$1,673
Progressive$2,683
NewnanGA Farm Bureau$1,201
GEICO$1,599
Progressive$2,582
MiltonGA Farm Bureau$1,251
GEICO$1,854
Progressive$2,794
RomeGA Farm Bureau$1,251
GEICO$1,540
Progressive$2,492
TuckerGA Farm Bureau$1,605
GEICO$2,094
Progressive$3,199
Peachtree CityGA Farm Bureau$1,201
GEICO$1,674
Progressive$2,485
East PointGA Farm Bureau$1,605
GEICO$2,921
Progressive$3,328
DouglasvilleGA Farm Bureau$1,407
GEICO$2,382
Progressive$3,064
KennesawGA Farm Bureau$1,407
GEICO$1,782
Progressive$2,727
DaltonGA Farm Bureau$1,267
GEICO$1,477
Progressive$2,089
WoodstockGA Farm Bureau$1,255
GEICO$1,781
Progressive$2,846
StatesboroGA Farm Bureau$1,201
GEICO$1,456
Progressive$2,396
LagrangeGA Farm Bureau$1,201
GEICO$1,651
Progressive$2,593
LawrencevilleGA Farm Bureau$1,251
GEICO$2,085
Progressive$3,133
StockbridgeGA Farm Bureau$1,355
GEICO$2,515
Progressive$2,955
DuluthGA Farm Bureau$1,255
GEICO$2,049
Progressive$3,415
CantonGA Farm Bureau$1,255
GEICO$1,602
Progressive$2,683
CarrolltonGA Farm Bureau$1,255
GEICO$1,550
Progressive$2,638
McdonoughGA Farm Bureau$1,201
GEICO$2,544
Progressive$3,023
DecaturGA Farm Bureau$1,605
GEICO$2,746
Progressive$3,884
PoolerGA Farm Bureau$1,299
GEICO$1,552
Progressive$2,479
GriffinGA Farm Bureau$1,201
GEICO$1,475
Progressive$2,552
AcworthGA Farm Bureau$1,407
GEICO$1,774
Progressive$2,718
Union CityGA Farm Bureau$1,605
GEICO$3,068
Progressive$3,178
CartersvilleGA Farm Bureau$1,255
GEICO$1,690
Progressive$2,656
SnellvilleGA Farm Bureau$1,251
GEICO$2,324
Progressive$3,190
MilledgevilleGA Farm Bureau$1,201
GEICO$1,735
Allstate$3,689
ThomasvilleGA Farm Bureau$1,201
GEICO$1,353
Progressive$2,037
FayettevilleGA Farm Bureau$1,201
GEICO$2,158
Progressive$2,806
KingslandGA Farm Bureau$1,201
GEICO$1,350
Progressive$2,063
PerryGA Farm Bureau$1,201
GEICO$1,369
Progressive$2,393
CalhounGA Farm Bureau$1,255
GEICO$1,675
Progressive$2,379
RiverdaleGA Farm Bureau$1,355
GEICO$2,987
Progressive$3,243
TiftonGA Farm Bureau$1,201
GEICO$1,526
Progressive$2,121
NorcrossGA Farm Bureau$1,251
GEICO$2,082
Progressive$3,098
BrunswickGA Farm Bureau$1,201
GEICO$1,368
Progressive$1,960
ConyersGA Farm Bureau$1,251
GEICO$2,543
Progressive$3,125
FairburnGA 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 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:

RankCityAverage annual car insurance premiums
1Valdosta$2,094
2Brunswick$2,222
3Kingsland$2,223
4Thomasville$2,230
5Tifton$2,266
6Albany$2,375
7Dalton$2,423
8Perry$2,432
9Statesboro$2,530
10Peachtree City$2,551
11Warner Robins$2,584
12Calhoun$2,594
13Pooler$2,601
14Newnan$2,607
15Rome$2,631
16Lagrange$2,647
17Cartersville$2,668
18Gainesville$2,688
19Griffin$2,693
20Carrollton$2,703
21Canton$2,704
22Columbus$2,705
23Milton$2,738
24Savannah$2,781
25Fayetteville$2,811
26Woodstock$2,813
27Acworth$2,820
28Alpharetta$2,873
29Kennesaw$2,902
30Dunwoody$2,956
31Duluth$2,976
32Marietta$2,992
33Sandy Springs$2,993
34Johns Creek$3,038
35Mcdonough$3,091
36Milledgeville$3,094
37Smyrna$3,104
38Douglasville$3,110
39Stockbridge$3,111
40Norcross$3,148
41Conyers$3,154
42Lawrenceville$3,156
43Tucker$3,201
44Snellville$3,210
45Atlanta$3,259
46Fairburn$3,281
47Riverdale$3,467
48East Point$3,474
49Union City$3,517
50Decatur$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.

Comments and Questions

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