The cheapest full coverage car insurance in Georgia is $127, saving you $37 compared to the average cost of insurance in the state, which is around $164 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Georgia, such as GEICO, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
Carinsurance.com Insights
- 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.
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 insurers for different coverage levels in Georgia
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property 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 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
Cheapest auto insurance in Georgia by driving history
Your driving history impacts insurance premiums in Georgia, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Georgia, drivers with a history of traffic violation pay an average of $809 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates in Georgia after a speeding ticket
A speeding ticket can impact your Georgia car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Auto-Owners has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,549 a 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.
Cheap car insurance rates after a DUI conviction in Georgia
CarInsurance.com analyzed insurance rates for Georgia drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,913. Auto-Owners is the second-cheapest insurer at an average of $2,497 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 43% less than drivers with a DUI on their record.
| 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
Cities with the lowest auto insurance rates in Georgia
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Georgia, Moody AFB stands out as the city with the lowest auto insurance rates, at an average of $1,514 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Georgia with the most affordable 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 |
Learn about the 10 most important factors that affect 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
Car insurance discounts in Georgia can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Georgia.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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 car insurance in Georgia
Based on our research, if you are a good driver, Auto-Owners is the cheapest in Georgia for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Georgia is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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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