Key Takeaways
- Central Insurance, Country Financial, Auto-Owners, USAA and Geico are the cheapest car insurance companies for most drivers in Georgia.
- Average car insurance rates in Georgia are $1,256 per year or $105 per month for minimum coverage and $2,907 per year or $242 per month for full coverage.
- The best way to find the cheapest car insurance in Georgia is by shopping around for car insurance quotes online from multiple providers.
We at the MarketWatch Guides team have reviewed the cheapest car insurance options in Georgia. We took an in-depth look at the best car insurance companies and the cheapest car insurance companies in Georgia, comparing rates, coverage, ratings and reviews.
In the following article, you’ll find estimates for drivers from different profiles and a list of recommended providers. You’ll also find key information about Georgia insurance laws and regulations.
Compare Car Insurance Rates
Answer a few simple questions to save money on your policy
Check Availability With our comparison partner, 
×
Compare Car Insurance Rates
Get matched with a top provider and compare instant quotes in just a few clicks
With our comparison partner, 
Learn more about our methodology and editorial guidelines.
Who Offers The Cheapest Car Insurance Rates in Georgia?
In our research, we found that, on average, Central Insurance offers the cheapest car insurance rates for Georgia drivers. A minimum-liability policy averages $584 per year and a full-coverage policy costs an average of $1,823 per year.
Cheapest Car Insurance Rates in Georgia
Car insurance rates vary because they’re based on several factors, like your age, driving history and credit score. The cheapest rates for you may not be the same for someone else.
The table below lists the lowest rates for each category of coverage based on a profile of 35-year-old male or female drivers with a clean record and good credit.
| Cheapest Car Insurance in Georgia (by category) | Company | Average Full-Coverage Monthly Premium |
|---|---|---|
| Minimum Liability Coverage | Central Insurance | $49 |
| Full Coverage | Central Insurance | $152 |
| Young Drivers | Central Insurance | $330 |
| Seniors | Country Financial | $157 |
| After A Speeding Ticket | Central Insurance | $191 |
| After An Accident | Central Insurance | $220 |
| After A DUI | Country Financial | $264 |
| Bad Credit | Country Financial | $246 |
Page 1 of
Read more: Cheapest Car Insurance
Cheapest Car Insurance Companies in Georgia
Overall, we found that the five cheapest car insurance companies in Georgia are:
Central Insurance
Country Financial
Auto-Owners
USAA
Geico
You can click on any of the providers above to learn more or find out more about the state’s cheapest car insurance companies by large- and medium-sized providers below.
Cheapest Large Insurance Companies in Georgia
According to J.D. Power, large insurers are ones that have written $4.5 billion or more in direct premiums for personal auto. The cheapest large car insurance companies in Georgia are Geico, State Farm, Progressive, Allstate and USAA. We’ve provided details on the lowest average rates for a minimum coverage and full-coverage policy from these providers in the table below.
| Cheapest Large Car Insurance Company In Georgia | Minimum Coverage (Annual) | Full Coverage (Annual) | # Of Discounts | Cost Rating (Entire US)* | Visit Review |
|---|---|---|---|---|---|
State FarmLearn More | $1,670 | $3,855 | 10 | 8.8 | Learn More |
GeicoLearn More | $934 | $2,423 | 16 | 9.5 | Learn More |
ProgressiveLearn More | $1,315 | $3,000 | 13 | 8.9 | Learn More |
AllstateLearn More | $1,419 | $3,454 | 12 | 7.7 | Learn More |
USAALearn More | $802 | $2,046 | 13 | 9.8 | Learn More |
| Cheapest Large Car Insurance Company In Georgia | Minimum Coverage (Annual) | Full Coverage (Annual) | # Of Discounts | Cost Rating (Entire US)* | Visit Review |
|---|---|---|---|---|---|
State FarmLearn More | $1,670 | $3,855 | 10 | 8.8 | Learn More |
GeicoLearn More | $934 | $2,423 | 16 | 9.5 | Learn More |
ProgressiveLearn More | $1,315 | $3,000 | 13 | 8.9 | Learn More |
AllstateLearn More | $1,419 | $3,454 | 12 | 7.7 | Learn More |
USAALearn More | $802 | $2,046 | 13 | 9.8 | Learn More |
Read more: Largest Car Insurance Companies
Cheapest Mid-Size Insurance Companies in Georgia
J.D. Power defines mid-size insurers as those that have written between $1 and $4.499 billion in direct premiums for personal auto. In Georgia, we found that the cheapest midsize car insurance companies are Country Financial, Auto-Owners Insurance and Mercury Insurance.
You can compare their average premiums and cost ratings for each company below.
| Cheapest Mid-Size Car Insurance Company in Georgia | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cost Rating (US) | Visit Review |
|---|---|---|---|---|---|
Auto-OwnersLearn More | $677 | $1,990 | 12 | 9.3 | Learn More |
Mercury InsuranceLearn More | $1,383 | $2,827 | 8 | 7.8 | Learn More |
| Cheapest Mid-Size Car Insurance Company in Georgia | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cost Rating (US) | Visit Review |
|---|---|---|---|---|---|
Auto-OwnersLearn More | $677 | $1,990 | 12 | 9.3 | Learn More |
Mercury InsuranceLearn More | $1,383 | $2,827 | 8 | 7.8 | Learn More |
Cheapest Car Insurance Coverage in Georgia
The coverage level you choose has a significant impact on rates. Many quotes from providers include estimates for minimum-liability and full-coverage car insurance. While minimum liability is all that’s required by the state, it’s a good idea for drivers to consider full-coverage auto insurance.
Below are the cheapest auto insurance options in Georgia for both coverage types.
Cheapest Liability Car Insurance in Georgia
At $49 per month or $584 per year, on average, Central Insurance offers the cheapest minimum-liability car insurance in Georgia. All drivers in the Peach State are required to have minimum-liability coverage, which is the most affordable car insurance coverage level.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $49 | $584 |
| Country Financial | $52 | $626 |
| Auto-Owners Insurance | $56 | $677 |
| USAA* | $67 | $802 |
| Geico | $78 | $934 |
Page 1 of
Read more: Cheapest Liability-Only Auto Insurance
Cheapest Full-Coverage Car Insurance in Georgia
At $152 per month or $1,823 per year, on average, Central Insurance offers the cheapest full-coverage car insurance in Georgia.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $152 | $1,823 |
| Auto-Owners Insurance | $166 | $1,990 |
| USAA* | $170 | $2,046 |
| Country Financial | $178 | $2,131 |
| Geico | $202 | $2,423 |
Page 1 of
We’d like to note that these rates are based on an unmarried 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of personalized factors.
Read more: Cheapest Full-Coverage Car Insurance
Cheapest Car Insurance for Teen Drivers in Georgia
Teen drivers can pay significantly more for car insurance than older adults. The tables below show the cheapest car insurance for young drivers in Georgia, along with estimated monthly and annual costs.
Cheapest Georgia Car Insurance for 16-Year-Olds
Our research shows Central Insurance offers the cheapest average car insurance rates in Georgia for 16-year-old drivers at $359 per month or $4,309 per year.
| Cheapest 16-Year-Old Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $359 | $4,309 |
| Country Financial | $381 | $4,575 |
| Auto-Owners Insurance | $428 | $5,137 |
| USAA* | $448 | $5,370 |
Page 1 of
Read more: Best Cheap Car Insurance for 16-Year-Olds
Cheapest Georgia Car Insurance for 17-Year-Olds
Central Insurance tends to be the cheapest option on average for full coverage car insurance for 17-year-olds, at $347 per month or $4,163 per year.
| Cheapest 17-Year-Old Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $347 | $4,163 |
| Country Financial | $380 | $4,558 |
| USAA* | $404 | $4,853 |
| Auto-Owners Insurance | $437 | $5,241 |
| Geico | $495 | $5,944 |
Page 1 of
Read more: Best Cheap Car Insurance for 17-Year-Olds
Cheapest Georgia Car Insurance for 18-Year-Olds
On average, Central Insurance has the cheapest full-coverage car insurance for 18-year-olds in Georgia, offering rates as low as an estimated $320 per month or $3,840 per year.
| Cheapest 18-Year-Old Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $320 | $3,840 |
| Country Financial | $356 | $4,273 |
| USAA* | $376 | $4,513 |
| Auto-Owners Insurance | $428 | $5,131 |
| Geico | $442 | $5,304 |
Page 1 of
Read more: Best Cheap Car Insurance for 18-Year-Olds
Cheapest Car Insurance for Young Drivers in Georgia
As teen drivers age into adulthood, their car insurance rates decrease with good driving habits. In the sections below, we’ll compare the most affordable car insurance companies for drivers between the ages of 19 and 25.
Cheapest Georgia Car Insurance for 19-Year-Olds
Central Insurance offers the most affordable car insurance in Georgia for 19-year-olds at an average rate of $3,508 per year or $292 per month.
| Cheapest 19-Year-Old Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $292 | $3,508 |
| USAA | $343 | $4,118 |
| Country Financial | $389 | $4,662 |
| Auto-Owners Insurance | $403 | $4,840 |
| Geico | $403 | $4,842 |
Page 1 of
Read more: Best Cheap Car Insurance for 19-Year-Olds
Cheapest Georgia Car Insurance for 21-Year-Olds
According to our research, Central Insurance offers the cheapest coverage for 21-year-old drivers in the state on average, costing $233 per month or $2,801 per year.
| Cheapest 21-Year-Old Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $233 | $2,801 |
| USAA | $244 | $2,932 |
| Country Financial | $290 | $3,482 |
| Geico | $309 | $3,703 |
| Auto-Owners Insurance | $330 | $3,958 |
Page 1 of
Read more: Best Cheap Car Insurance for 21-Year-Olds
Cheapest Georgia Car Insurance for 25-Year-Olds
Twenty-five-year-old Georgia drivers tend to find affordable full-coverage car insurance through Central Insurance for $186 per month or $2,231 per year.
| Cheapest 25-Year-Old Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $186 | $2,231 |
| USAA | $199 | $2,387 |
| Country Financial | $225 | $2,694 |
| Geico | $239 | $2,865 |
| Auto-Owners Insurance | $245 | $2,942 |
Page 1 of
Read more: Best Cheap Car Insurance for 25-Year-Olds
Cheapest Car Insurance in Georgia for Seniors
In our research, we found that Country Financial tends to offer the cheapest car insurance for seniors with average rates of $157 per month or $1,883 per year. The sections below will break down costs for auto insurance in the state for 65- to 75-year-old drivers.
Read More: Cheapest Car Insurance For Seniors
Cheapest Georgia Car Insurance for 65-Year-Olds
Country Financial offers the cheapest Georgia car insurance for most 65-year-olds, costing an average of $149 per month or $1,790 per year.
| Cheapest 65-Year-Old Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Country Financial | $149 | $1,790 |
| Geico | $157 | $1,883 |
| USAA | $159 | $1,902 |
| Central Insurance | $161 | $1,937 |
| Auto-Owners Insurance | $180 | $2,163 |
Page 1 of
Cheapest Georgia Car Insurance for 75-Year-Olds
Country Financial offers 75-year-old Georgia drivers the cheapest rates, at $165 per month or $1,976 per year. This is around 35% lower than the state average for this age, which is $252 per month or $3,026 per year.
| Cheapest 75-Year-Old Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Country Financial | $165 | $1,976 |
| Geico | $195 | $2,338 |
| Central Insurance | $201 | $2,413 |
| USAA | $216 | $2,588 |
| Auto-Owners Insurance | $218 | $2,619 |
Page 1 of
Cheapest Car Insurance in Georgia for High-Risk Drivers
On average, Central Insurance and Country Financial offer the cheapest car insurance for high-risk drivers in Georgia. The sections below will show monthly and annual full-coverage rates for drivers who fall into these categories.
Read more: Best Cheap Car Insurance for High-Risk Drivers
Cheapest Georgia Car Insurance for Drivers With a Speeding Ticket
Central Insurance tends to offer the best rates for Georgia drivers with a speeding ticket, with an average estimate of $191 per month or $2,296 per year.
| Cheapest High-Risk Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $191 | $2,296 |
| USAA* | $213 | $2,554 |
| Auto-Owners Insurance | $217 | $2,600 |
| Country Financial | $228 | $2,738 |
| Geico | $237 | $2,843 |
Page 1 of
Read more: Best Speeding Ticket Car Insurance
Cheapest Georgia Car Insurance for Drivers With a Recent Accident
Allstate tends to offer the cheapest rates for Georgia drivers after an accident, with an average estimate of $220 per month or $2,645 per year.
| Cheapest Car Insurance in Georgia with a Recent Accident | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $220 | $2,645 |
| Country Financial | $228 | $2,736 |
| Auto-Owners Insurance | $242 | $2,905 |
| USAA | $251 | $3,018 |
| Geico | $332 | $3,987 |
Page 1 of
Read more: What Is Accident Forgiveness Coverage?
Cheapest Georgia Car Insurance for Drivers With a DUI
Country Financial tends to offer the lowest rates for Georgia drivers with a DUI, with an average estimated cost of $264 per month or $3,172 per year.
| Cheapest DUI Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Country Financial | $264 | $3,172 |
| Central Insurance | $306 | $3,673 |
| Mercury Insurance | $322 | $3,868 |
| Auto-Owners Insurance | $323 | $3,876 |
| USAA* | $324 | $3,889 |
Page 1 of
Cheapest Georgia Car Insurance for Drivers With Poor Credit
In Georgia, insurers can use your credit score as a factor in your premiums. Drivers with poor credit typically pay much higher rates for auto coverage than those with average or good credit scores. For these drivers, Country Financial tends to offer the lowest rates in Georgia, with an average estimate of $246 per month or $2,946 per year.
| Cheapest Poor Credit Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Country Financial | $246 | $2,946 |
| Safeway Insurance | $259 | $3,110 |
| Geico | $275 | $3,300 |
| Central Insurance | $279 | $3,354 |
| USAA | $312 | $3,741 |
Page 1 of
Read more: Cheapest Car Insurance for Bad Credit
Cheapest Car Insurance by Vehicle Type
The type of vehicle you drive has a big impact on how much you pay for car insurance. Fully-electric vehicles are expensive to build and repair and are costly to insure as a result. In the sections below, we compare the cheapest car insurance companies for electric, hybrid and gas-powered vehicles.
Cheapest Insurance for Electric and Hybrid Vehicles
While electric vehicles are often expensive to insure, hybrid vehicles tend to be on the affordable side. Fortunately, no matter which type of car you drive, some car insurance companies in Georgia offer lower-than-average rates.
Cheapest Car Insurance for Electric Cars in Georgia
In Georgia, drivers pay around $3,328 per year or $277 per month for full-coverage car insurance on fully electric vehicles. Central Insurance stands out as the cheapest provider for this type of vehicle, with rates of around $198 per month, on average.
| Cheapest Electric Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $198 | $2,375 |
| USAA | $209 | $2,509 |
| Country Financial | $216 | $2,586 |
| Auto-Owners Insurance | $220 | $2,635 |
| Mercury Insurance | $259 | $3,110 |
Page 1 of
Read more: Electric Vehicle Insurance
Cheapest Hybrid Car Insurance in Georgia
Hybrid vehicles are cheaper than electric vehicles to insure. Georgia drivers pay around $2,431 per year or $203 per month for insurance on this type of vehicle. Comparatively, Central Insurance is the most affordable at around $148 per month for full coverage, on average.
| Cheapest Hybrid Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $148 | $1,772 |
| Auto-Owners Insurance | $157 | $1,887 |
| USAA | $158 | $1,893 |
| Country Financial | $166 | $1,991 |
| Geico | $191 | $2,292 |
Page 1 of
Cheapest Insurance for Gas-Powered Vehicles
Except for sedans, gas-powered vehicles have similar insurance costs to hybrid vehicles. Sedans are the most expensive type of gas-powered vehicle to insure, while trucks are a close second. Below, we list the cheapest car insurance providers in Georgia for SUVs, trucks and sedans.
Cheapest SUV Insurance in Georgia
SUV drivers in Georgia pay around $2,379 per year or $198 per month for full-coverage car insurance, on average. Central Insurance is the most affordable provider for this type of vehicle at $1,760 per year or $147 per month.
| Cheapest SUV Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $147 | $1,760 |
| USAA | $158 | $1,902 |
| Auto-Owners Insurance | $159 | $1,914 |
| Country Financial | $173 | $2,077 |
| Progressive | $185 | $2,224 |
Page 1 of
Cheapest Car Insurance for Trucks in Georgia
Truck drivers in Georgia pay an average of $2,527 per year or $211 per month for full-coverage car insurance. Central Insurance beats this statewide average at rates of just $1,757 per year or $146 per month.
| Cheapest Truck Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Central Insurance | $146 | $1,757 |
| Auto-Owners Insurance | $149 | $1,783 |
| USAA | $163 | $1,953 |
| Country Financial | $168 | $2,021 |
| Geico | $213 | $2,557 |
Page 1 of
Read more: Cost of Truck Insurance
Cheapest Car Insurance for Sedans in Georgia
Sedans are the most costly type of gas-powered vehicle to insure. On average, this type of vehicle costs $2,695 per year or $225 per month to insure with full-coverage in Georgia. However, military members save hundreds with USAA and Central Insurance is affordable for most other drivers.
| Cheapest Sedan Car Insurance in Georgia | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| USAA | $169 | $2,033 |
| Central Insurance | $173 | $2,072 |
| Auto-Owners Insurance | $180 | $2,161 |
| Country Financial | $188 | $2,259 |
| Geico | $221 | $2,654 |
Page 1 of
Cheap Car Insurance Quotes in Georgia
When getting a car insurance quote in Georgia, there are various factors providers use to determine their rates.
The most significant factors that insurers use to determine car insurance costs in Georgia include:
- Your age
- Your location
- The gender listed on your driver’s license
- Your driving history
- Your credit score
- Your marital status
- The make, model, year and mileage of your vehicle
- The deductible you choose
Read More: Compare Car Insurance
Cheap Auto Insurance Quotes in Georgia by ZIP Code
Below, you can get personalized cheap auto insurance quotes for your location in Georgia.
Compare Car Insurance Rates
Get matched with a top provider and compare instant quotes in just a few clicks
With our comparison partner,
Car Insurance Discounts in Georgia
Each provider varies in the discounts that they offer, and the table below shows some of the discounts offered by top providers in the Peach State.
| Georgia Car Insurance Discounts | State Farm | USAA | Auto-Owners Insurance | Geico |
|---|---|---|---|---|
| Multi-policy | ✔ | ✔ | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ | ✔ | ✔ |
| Safe driver | ✔ | ✔ | ✔ | |
| Student | ✔ | ✔ | ✔ | ✔ |
| Defensive driving | ✔ | ✔ | ||
| Driver training | ✔ | ✔ | ||
| New vehicle | ✔ | ✔ | ||
| Car safety equipment | ✔ | ✔ | ✔ | ✔ |
| Loyalty | ✔ | |||
| Military | ✔ | ✔ | ||
| Paid in full discount | ✔ | |||
| Paperless billing | ✔ | |||
| Advance quote | ✔ | |||
| Loss history | ✔ |
Page 1 of
Below is a breakdown of the main discount offerings from many major providers:
- Military: Applies whether you’re a veteran or active military member
- Multi-policy: Bundle two or more insurance policies with the same company
- Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies
- Senior: Typically applies to policyholders who are 55 and older
- Homeowners: If you own a home, you may qualify for this discount
- Good driver: Applies to drivers with a clean driving record (no at-fault accidents, DUIs, or speeding tickets in the last three years)
- Good student: Usually for college and high school students under 25 who maintain a B average in their courses
- Defensive driving: Taking a defensive driving course can get drivers this discount
- Driver training: Get a discount by taking a driver education training course
- New car: Typically buying a car that is three years or newer can net you this discount
- Safe car: Applies if your vehicle has safety features such anti-theft technology
- Paperless: Receive a discount by opting into paperless payments
- Pay-in-full: Save on your car insurance premium by paying your policy in full up front
Best Cheap Car Insurance in Georgia
Central Insurance, Country Financial, Auto-Owners Insurance, USAA and Geico offer the best cheap car insurance in Georgia. The sections below offer more information about each of these providers.
#1 Central Insurance
Cheapest for Most Drivers in Georgia
Average Monthly Minimum-Coverage Cost: $49
Average Monthly Full-Coverage Cost: $152
Number of Discounts: 11
Central Insurance Overview
Central Insurance offers the cheapest liability-only and full-coverage car insurance in Georgia for most drivers. The company offers a wide selection of coverage options and unique discount opportunities for many drivers.
Central Insurance Cost and Coverage in Georgia
Drivers in Georgia pay an average rate of $1,823 per year or $152 per month for full-coverage car insurance from Central Insurance. Minimum coverage from the company in Georgia costs an average of $584 per year or $49 per month.
Central Insurance offers the standard coverage options typically available in liability- and full-coverage policies. Optional policy upgrades add features like roadside assistance, rental car reimbursem*nt and gap coverage.
Top Central Insurance Discounts in Georgia
As a Central Insurance customer in Georgia, you can take advantage of the following discounts:
- Package credit: Bundle your home and auto insurance to save on premiums.
- E-credit: Enroll in online billing to qualify for additional car insurance discounts.
- Elite New Policy Discount: Purchase a new policy with high liability limits with no accidents, a high insurance score, and minimal traffic violations to get this discount.
- Paid-in-full: Pay your policy premium upfront to get a discounted rate.
#2 Country Financial
Best for High-Risk Drivers in Georgia
Average Monthly Minimum-Coverage Cost: $52 per month
Average Monthly Full-Coverage Cost: $178 per month
Number of Discounts: 11
Country Financial Overview
In our research, we found that Country Financial offers the cheapest rates on average for minimum-liability policies and drivers with poor credit. The regional car insurance provider has a wide range of discounts and earned a cost score of 9.3 out of 10 by our editorial team for its affordability.
Country Financial Insurance Cost and Coverage in Georgia
Country Financial’s full-coverage auto insurance costs an average of $178 per month or $2,131 per year. This is around 27% cheaper than the state average of $2,907 per year.
Along with standard insurance, Country Financial offers emergency roadside assistance, rental car coverage, personal effects coverage, windshield replacement insurance and umbrella liability insurance.
Top Country Financial Car Insurance Discounts in Georgia
Below, we’ve highlighted the top discounts offered by Country Financial in Georgia:
- Multi-policy discount: Save on your policy if you have an auto insurance policy in addition to a home or life insurance policy.
- Engaged couple discount: Receive a discount if you’re engaged and insure all your cars with the company.
- Occupation discount: Teachers, firefighters, police officers, EMTs and paramedics can save up to 15% on their car insurance policy.
- College graduate discount: Get a discount if you’re a college graduate under the age of 25.
- Good driver discount: Drivers who’ve gone three years or more without an accident or ticket may qualify for this discount.
#3 Auto-Owners Insurance
Best for Young Drivers in Georgia
Average Monthly Minimum-Coverage Cost: $56 per month
Average Monthly Full-Coverage Cost: $166 per month
Number of Discounts: 12
Auto-Owners Overview
With low rates and a huge selection of coverages and add-ons to choose from, Auto-Owners Insurance is a good option for most Georgia drivers. Young drivers and students in Georgia may want to get a car insurance quote from the company, due to its various discounts for such drivers.
Auto-Owners Insurance Cost and Coverage in Georgia
The average overall cost of a full-coverage policy from Auto-Owners is $166 per month or $1,990 per year. This is 32% cheaper than the Georgia state average for a full coverage policy.
Along with standard coverage, Auto-Owners offers road trouble service, loan or lease gap, additional expense, diminished value and rental auto gap coverage.
Top Auto-Owners Insurance Discounts in Georgia
The best discounts for Auto-Owners Insurance in Georgia are:
- Paid-in-full discount: Save on your policy if you pay on full and on time.
- Payment discount: Receive a discount on your premium if you’ve paid on time for the last 36 months.
- Safety features discount: Get a discount on your auto insurance policy if you have certain safety features equipped, such as anti-lock brake systems (ABS), airbags or anti-theft devices.
- Green discount: Pay your policy premiums online and enroll in paperless billing to qualify for a discount.
- Advance quote: Discounts are available for new applicants who request a premium quote prior to the effective date of the policy.
Keep reading: Auto-Owners Insurance Review
#4 USAA
Best for Military Members
Average Monthly Minimum-Coverage Cost: $67 per month
Average Monthly Full-Coverage Cost: $170 per month
Number of Discounts: 13
USAA Overview
USAA offers some of the cheapest car insurance in Georgia. However, USAA is available only to military members, veterans and their immediate families. If you qualify, you can select from a variety of auto insurance coverage options. The company also offers useful car insurance discounts, including discounts for military installation and low annual mileage.
USAA Cost and Coverage in Georgia
On average, USAA costs $170 per month or $2,046 per year for a full-coverage policy in Georgia. This makes it 30% cheaper than the state average.
In addition to affordable coverage and various discounts, USAA offers helpful add-ons such as accident forgiveness and car replacement assistance.
Top USAA Insurance Discounts in Georgia
The best USAA insurance discounts in Georgia are:
- Georgia USAA SafePilot: Save up to 30% through the USAA SafePilot driving program.
- Multi-policy discount: Receive a discount if you bundle more than one policy with USAA, such as home and auto.
- Clean driving record discount: Qualify for a discount on your USAA car insurance policy if you have a clean driving record.
- Student driver discount: Get a discount on your premium if you’re in college or high school and have a solid grade point average (GPA).
- Vehicle storage discount: Save up to 60% off your insurance premium if you store your vehicle during deployment.
Keep reading: USAA Insurance Review
#5 Geico
Affordable for Georgia Seniors
Average Monthly Minimum-Coverage Cost: $78 per month
Average Monthly Full-Coverage Cost: $202 per month
Number of Discounts: 16
Geico Insurance Overview
While Geico isn’t the cheapest provider overall in Georgia, the company does offer dependable, affordable car insurance for many drivers in the state. Geico’s rates are particularly affordable for seniors, and the company is one of few providers that offers discounts specifically for seniors. It also offers a guaranteed renewal program for drivers aging into their golden years.
Geico Cost and Coverage in Georgia
Drivers in Georgia pay around $2,423 per year or $202 per month for full-coverage car insurance from Geico. This is around 17% cheaper than the statewide average for similar coverage.
In addition to standard liability and comprehensive coverages, Geico offers optional rental car reimbursem*nt and roadside assistance. It’s also one of the only companies that offers mechanical breakdown insurance (MBI), which works like a vehicle warranty and covers select parts and repairs for your vehicle.
Top Geico Insurance Discounts in Georgia
Georgia drivers can take advantage of the following car insurance discounts from Geico:
- Vehicle safety equipment: If your vehicle has select airbags, safety restraints or anti-lock brake systems installed, you may qualify for a car insurance discount.
- Affiliation discount: If you work for or are a member of one of over 500 organizations, Geico may offer you discounted car insurance rates.
- Eagle discount: Federal employees in Georgia are eligible for discounted insurance rates from Geico.
Keep reading: Geico Insurance Review
Average Cost of Car Insurance in Georgia
The average estimated rate for full-coverage car insurance in Georgia is $2,907 per year or $242 per month, based on the profile of a 35-year-old driver with good credit and a clean driving record. That’s about 8% more expensive than the national average of $2,681.
Minimum-coverage rates in Georgia average $1,256 per year or $105 per month for that same driving profile, making it 45% more expensive than the national average of $869.
Here is how Georgia stacks up against the rest of the country:
Read More: Average Car Insurance Cost
Georgia Car Insurance Cost by Age
Age has a significant role in how car insurance rates are calculated in Georgia. Below, you can compare average rates for drivers ages 16 to 75 in the state:
| Age | Average Full-Coverage Monthly Rate | Average Full-Coverage Annual Rate |
|---|---|---|
| 16 | $382 | $4,589 |
| 17 | $420 | $5,041 |
| 18 | $504 | $6,052 |
| 19 | $498 | $5,978 |
| 21 | $387 | $4,645 |
| 25 | $274 | $3,282 |
| 35 | $242 | $2,907 |
| 45 | $218 | $2,619 |
| 55 | $200 | $2,403 |
| 65 | $209 | $2,509 |
| 75 | $252 | $3,026 |
Page 1 of
As you can see, teen drivers in Georgia can expect to pay substantially more for car insurance coverage than older drivers, while middle-aged drivers enjoy the best rates before it goes up again for 60- and 70-year-olds.
Georgia Car Insurance Cost by City
Car insurance rates vary from place to place within the state of Georgia. The table below shows the average estimates for full-coverage insurance in different Georgia cities.
| City in Georgia | Estimated Full-Coverage Monthly Cost | Estimated Full-Coverage Annual Cost |
|---|---|---|
| Athens | $199 | $2,388 |
| Dalton | $206 | $2,468 |
| Evans | $212 | $2,545 |
| Warner Robins | $213 | $2,557 |
| Hinesville | $215 | $2,578 |
| Peachtree City | $216 | $2,596 |
| Augusta | $219 | $2,624 |
| Statesboro | $221 | $2,648 |
| Newnan | $222 | $2,659 |
| Cumming | $225 | $2,694 |
| Columbus | $230 | $2,754 |
| Woodstock | $232 | $2,785 |
| Milton | $235 | $2,817 |
| Acworth | $236 | $2,832 |
| Kennesaw | $236 | $2,835 |
| Marietta | $240 | $2,875 |
| Roswell | $243 | $2,916 |
| Johns Creek | $243 | $2,921 |
| Dacula | $244 | $2,929 |
| Suwanee | $249 | $2,982 |
| Dunwoody | $250 | $2,996 |
| Douglasville | $256 | $3,069 |
| Duluth | $256 | $3,074 |
| Covington | $257 | $3,081 |
| Lawrenceville | $257 | $3,082 |
| Lilburn | $262 | $3,139 |
| Mcdonough | $262 | $3,140 |
| Norcross | $263 | $3,157 |
| Snellville | $266 | $3,197 |
| Stockbridge | $267 | $3,201 |
| Atlanta | $290 | $3,475 |
| Lithonia | $305 | $3,654 |
Page 1 of
As the table above illustrates, drivers typically pay higher rates in urban areas like Atlanta and Savannah than in rural parts of the state. But other factors, such as the probability of extreme weather or flooding, can also affect local rates.
Georgia Car Insurance Rates vs. Other States
Georgia car insurance is typically more expensive than it is in other states. Below you can compare average rates for Georgia vs. other states.
| State | Average Annual Minimum-Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Alabama | $572 | $2,048 |
| Alaska | $506 | $2,116 |
| Arizona | $956 | $3,127 |
| Arkansas | $589 | $2,398 |
| California | $736 | $3,040 |
| Colorado | $750 | $3,010 |
| Connecticut | $1,179 | $2,699 |
| Delaware | $1,288 | $3,364 |
| District of Columbia | $870 | $2,636 |
| Florida | $1,605 | $3,795 |
| Georgia | $1,256 | $2,907 |
| Hawaii | $455 | $1,581 |
| Idaho | $463 | $1,588 |
| Illinois | $823 | $3,054 |
| Indiana | $557 | $1,949 |
| Iowa | $456 | $1,994 |
| Kansas | $683 | $2,421 |
| Kentucky | $1,072 | $2,545 |
| Louisiana | $1,497 | $4,357 |
| Maine | $456 | $1,460 |
| Maryland | $1,261 | $2,943 |
| Massachusetts | $759 | $2,620 |
| Michigan | $1,299 | $4,067 |
| Minnesota | $752 | $2,463 |
| Mississippi | $563 | $2,140 |
| Missouri | $752 | $2,613 |
| Montana | $517 | $2,368 |
| Nebraska | $545 | $2,252 |
| Nevada | $1,665 | $3,870 |
| New Hampshire | $594 | $1,766 |
| New Jersey | $1,408 | $3,034 |
| New Mexico | $608 | $2,335 |
| New York | $2,221 | $4,112 |
| North Carolina | $815 | $2,271 |
| North Dakota | $490 | $2,029 |
| Ohio | $511 | $1,660 |
| Oklahoma | $710 | $3,256 |
| Oregon | $1,161 | $2,408 |
| Pennsylvania | $893 | $3,909 |
| Rhode Island | $1,084 | $2,921 |
| South Carolina | $959 | $2,519 |
| South Dakota | $443 | $2,590 |
| Tennessee | $707 | $2,237 |
| Texas | $960 | $3,156 |
| Utah | $968 | $2,451 |
| Vermont | $366 | $1,539 |
| Virginia | $726 | $2,070 |
| Washington | $661 | $2,110 |
| West Virginia | $617 | $2,308 |
| Wisconsin | $561 | $2,003 |
| Wyoming | $303 | $1,794 |
Page 1 of
Read more: Car Insurance Rates by State
Georgia Car Insurance Requirements
Georgia law dictates that every driver in the state carry a minimum required amount of liability coverage. These are the types of car insurance and minimum-coverage limits you need in Georgia, often shortened to 25/50/25:
- Bodily injury liability limit: $25,000 per person and $50,000 per accident
- Property damage liability limit: $25,000 per accident
Georgia is an at-fault state. That means that the driver who is ruled at fault for an accident is responsible for damages to others and their vehicles.
Minimum Personal Georgia Auto Insurance Requirements
This required state minimum coverage only covers other people in car accidents you cause. If you want to protect your own vehicle when you’re at fault for an accident, you’ll need collision coverage. If you want additional coverage for your car in case you hit a stationary object or encounter environmental damage, you’ll need comprehensive insurance.
The combination of liability insurance plus collision and comprehensive coverage is called full-coverage insurance. Other useful Georgia auto insurance options include underinsured/uninsured motorist coverage and medical payments (MedPay).
Georgia Commercial Auto Insurance Requirements
If you own a business, you’re required to have commercial auto insurance coverage in Georgia. However, the limits depend on the seating capacity and carrier type.
For limousine drivers:
- 1-12 people: 100/300/50 limits
- 13 or more people: 100/500/50 limits
For intrastate carriers:
- 100/300/50 limits
Is It Illegal To Drive without Car Insurance in Georgia?
It’s illegal to drive a car without the minimum required insurance in Georgia. It’s also illegal to let your liability coverage lapse. Insurance companies notify the Georgia Department of Driver Services when your policy ends.
If you’re caught, you can face fines and other consequences. On your first offense, you can face a lapse fee of $25 and a reinstatement fee of $60, as well as have your license suspended for up to 60 days. These penalties increase with each offense and on your third offense, you can have your license suspended for up to six months. You can also spend up to a year in jail on any offense.
If you’re looking to reinstate your license due to suspension from lacking the minimum requirements for auto insurance in Georgia, you’ll need to file an SR-22 insurance form to the Georgia Department of Driver Services along with proof of proper coverage and the appropriate payment for fees incurred. If you’ve had two or more violations, you’ll need to purchase an SR-22A insurance policy.
Cheap Auto Insurance in Georgia: The Bottom Line
In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Georgia. We also looked at the average cost of car insurance and coverage requirements in the Peach State. We encourage you to gather free quotes from several of the cheapest providers in Georgia to find the right policy for your needs and budget.
Compare Car Insurance Rates
Get matched with a top provider and compare instant quotes in just a few clicks
With our comparison partner,
Cheapest Car Insurance in Georgia: FAQ
Below are some common frequently asked questions about cheap car insurance in Georgia:
Central Insurance offers the cheapest minimum-liability car insurance coverage in Georgia, with average rates of $49 per month or $584 per year. Central also offers the cheapest full-coverage insurance at $152 per month or $1,823 per year.
Since Georgia Senate Bill 276 passed in 2008, insurance companies can increase premiums without the approval of the insurance commissioner. This is one reason car insurance can be more expensive in Georgia.
In most cases, as is in Georgia, insurance follows the car and not the driver. That means other drivers who use your car are covered by your insurance policy, provided they have a valid driver’s license and permission to use your vehicle.
Yes, you need car insurance when driving in Georgia. Your cheapest Georgia car insurance policy must meet these minimum-coverage limits: bodily injury liability of $25,000 per person and $50,000 per accident, and property damage liability of $25,000 per accident.
How We Chose the Cheapest Car Insurance in Georgia
Our comprehensive rating system utilizes the latest 2024 insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in the state of Georgia, we’ve averaged rates from the top 12 providers across 40 Georgia ZIP codes. Unless otherwise specified, our base driver profiles for Georgia insurance quotes include male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.
We’ve also looked at quotes for Georgia drivers of multiple ages and those with a history of accidents, speeding tickets or DUIs, as well as drivers with poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Georgia, while our full-coverage quotes reflect the following coverage amounts:
✔ $50,000 per person in bodily injury coverage
✔ $100,000 per accident in bodily injury coverage
✔ $50,000 per person in property damage coverage
✔ $500 comprehensive coverage deductible
✔ $500 collision coverage deductible
In this article, providers are sorted by cheapest average costs in Georgia and selected for recommendation based on our national ratings. When rating providers nationally or in Georgia we take several factors into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.com.
