- Auto-Owners has the cheapest car insurance rates in Georgia for full coverage at $127 a month among the companies analyzed by the team of CarInsurance.com.
- In Georgia, drivers with clean driving records pay 43% less than drivers with a DUI.
- The city of Moody AFB has the lowest auto insurance rates in Georgia, with an average premium of $1,514 per year.
- You can save up to 23% per year on your car insurance policy in Georgia by comparing price quotes from multiple insurers.
The cheapest car insurance in Georgia costs $127 per month for a full coverage policy from Auto-Owners. That’s a $37 savings from the average cost of insurance in the state, which is $164 a month.
“Drivers looking to get the cheapest insurance premiums in Georgia should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Georgia including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest car insurance rates in Georgia?
Based on data analysis by CarInsurance.com, Auto-Owners provides the cheapest full coverage auto insurance rates for Georgia drivers at a monthly rate of $127 or $1,529 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Georgia.
Cheapest car insurance rates in Georgia per month
| Company | Full coverage monthly rates |
|---|---|
| Auto-Owners | $127 |
| Progressive | $138 |
| Central Insurance | $142 |
| Country Financial | $157 |
| Allstate | $168 |
| GEICO | $173 |
| Mercury Insurance | $185 |
| State Farm | $195 |
| Safeway Insurance | $234 |
| USAA* | $130 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in Georgia?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 11% less than single drivers.
- Georgia drivers with clean records pay 43% less than drivers who have a DUI on their record.
- Georgia drivers in their 20s pay 58% lower rates for insurance than a 16-year-old in Georgia.
- Adding a teen to your policy will cost you 70% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 17% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest companies for different coverage levels in Georgia
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Auto-Owners is the cheapest for a state minimum policy.
- Auto-Owners has the cheapest rates for a liability-only policy (50/100/50).
- Auto-Owners offers the cheapest car insurance for a full coverage policy (100/300/100) in Georgia.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest state minimum coverage in Georgia
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Georgia, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Georgia, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Auto-Owners | $368 |
| Country Financial | $421 |
| Central Insurance | $458 |
| GEICO | $471 |
| Progressive | $552 |
| Mercury Insurance | $667 |
| Allstate | $686 |
| State Farm | $746 |
| Safeway Insurance | $987 |
| USAA* | $537 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Georgia
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Georgia, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Auto-Owners | $497 |
| Central Insurance | $631 |
| Progressive | $745 |
| GEICO | $754 |
| Country Financial | $819 |
| Mercury Insurance | $835 |
| Allstate | $837 |
| State Farm | $975 |
| Safeway Insurance | $1,159 |
| USAA* | $698 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Georgia
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Georgia from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Auto-Owners | $1,529 |
| Progressive | $1,656 |
| Central Insurance | $1,706 |
| Country Financial | $1,880 |
| Allstate | $2,014 |
| GEICO | $2,072 |
| Mercury Insurance | $2,219 |
| State Farm | $2,344 |
| Safeway Insurance | $2,812 |
| USAA* | $1,562 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Georgia, by driving history
Your driving history affects how much you pay for insurance in Georgia because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $809 more annually in Georgia than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Georgia
If you’ve got a speeding ticket on your Georgia driving record and need affordable car insurance, Auto-Owners might be the answer. With an average annual rate of $1,549, Auto-Owners offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Georgia.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $1,292 | $1,549 | 20% | $257 |
| State Farm | $1,756 | $1,913 | 9% | $157 |
| Nationwide | $1,371 | $2,020 | 47% | $649 |
| Progressive | $1,710 | $2,306 | 35% | $596 |
| Allstate | $2,065 | $2,347 | 14% | $282 |
| GEICO | $1,461 | $2,498 | 71% | $1,037 |
| Mercury Insurance | $2,092 | $2,959 | 41% | $868 |
| USAA* | $1,198 | $1,479 | 23% | $281 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Georgia after a DUI conviction
State Farm offers the cheapest car insurance to Georgia drivers with a DUI conviction at $1,913 per year and Auto-Owners has the second-cheapest insurance premiums at $2,497 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 43% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,756 | $1,913 | 9% | $157 |
| Auto-Owners | $1,292 | $2,497 | 93% | $1,206 |
| Progressive | $1,710 | $2,718 | 59% | $1,008 |
| Allstate | $2,065 | $2,800 | 36% | $735 |
| Nationwide | $1,371 | $2,818 | 106% | $1,447 |
| Mercury Insurance | $2,092 | $2,854 | 36% | $762 |
| GEICO | $1,461 | $4,889 | 235% | $3,427 |
| USAA* | $1,198 | $2,412 | 101% | $1,214 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in Georgia after an at-fault accident
If you’re a driver with an at-fault accident on your record, Auto-Owners is the cheapest option, offering car insurance at an average cost of $1,754 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $2,070.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $1,292 | $1,754 | 36% | $463 |
| State Farm | $1,756 | $2,070 | 18% | $313 |
| Nationwide | $1,371 | $2,272 | 66% | $901 |
| GEICO | $1,461 | $2,475 | 69% | $1,014 |
| Progressive | $1,710 | $3,134 | 83% | $1,424 |
| Allstate | $2,065 | $3,142 | 52% | $1,077 |
| Mercury Insurance | $2,092 | $3,956 | 89% | $1,865 |
| USAA* | $1,198 | $1,802 | 50% | $605 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Which cities in Georgia have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Georgia is Moody AFB, at $1,514 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Georgia with the lowest auto insurance rates.
| City | Full coverage annual rates |
|---|---|
| Moody AFB | $1,514 |
| Valdosta | $1,519 |
| Naylor | $1,543 |
| Hahira | $1,544 |
| Lake Park | $1,555 |
| Folkston | $1,601 |
| Darien | $1,605 |
| Quitman | $1,616 |
| Hoboken | $1,617 |
| Nahunta | $1,619 |
A detailed guide on the 10 most important factors that influence car insurance rates
Average savings on car insurance in Georgia
If you compare car insurance quotes, you could enjoy an annual saving of around 23% on a full coverage policy in Georgia.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Georgia: Save on premiums
In Georgia, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Georgia below.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $18 |
| Anti-theft device | 1% | $26 |
| Daily commute | 7% | $129 |
| Days advanced purchase | 5% | $96 |
| Days per week driven | 4% | $80 |
| Electronic funds transfer | 4% | $94 |
| Electronic signature | 1% | $34 |
| Homeowner | 7% | $156 |
| Lower annual mileage | 14% | $334 |
| Loyalty – years renewal with company | 16% | $319 |
| Marital status | 11% | $257 |
| Multi policy | 9% | $193 |
| Paperless/electornic documents | 3% | $69 |
| Payment type | 12% | $245 |
| Primary use | 10% | $192 |
| Safety devices | 4% | $83 |
| Telematics | 10% | $191 |
| Years insured | 16% | $554 |
| Years licensed | 25% | $1,032 |
The bottom line on cheap auto insurance in Georgia
Based on our findings, Auto-Owners provides the cheapest rates for a full coverage policy in Georgia if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Georgia, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Georgia for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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