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.
- 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.
Car insurance companies with cheap car insurance in Georgia
Auto-Owners has the cheapest full coverage car insurance in Georgia, at an average premium of $127 per month or around $1,529 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Georgia. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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 a lower insurance premium in Georgia?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 11% less than single drivers.
- Georgia drivers with clean records pay 43% less than drivers who have a DUI on their records.
- 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 Georgia companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Georgia
In Georgia, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Georgia’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 Georgia insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Georgia’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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 car insurance companies in Georgia for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Georgia based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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
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 in Georgia after a speeding ticket
If you have a speeding ticket on your Georgia driving record and you are looking for cheap car insurance, Auto-Owners offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,549 per year.
| 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 premiums in Georgia after a DUI conviction
Georgia drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,913 a year, followed by Auto-Owners with an annual premium of $2,497 annually, based on recent data.
If you have a clean record, you are likely to pay 43% less for car insurance than someone with a 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 after an at-fault accident in Georgia
Auto-Owners is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,754.
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,070.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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
Georgia cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Moody AFB is the city with the lowest premiums in Georgia at an annual auto insurance rate of $1,514.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Georgia cities with the lowest car 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 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Georgia?
By comparing car insurance quotes, you can save an average of 23% per year for a full coverage policy in Georgia.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
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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