You can find the cheapest full-coverage car insurance in Georgia for $127 a month from Auto-Owners. It saves you $37 compared to the state average car insurance cost of $164 monthly.
Shopping for car insurance in Georgia can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- Among the companies analyzed by CarInsurance.com, Auto-Owners stands out as the cheapest option for full coverage car insurance in Georgia, with an insurance premium of $127 per month.
- Drivers in Georgia with a clean record pay 43% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Georgia is Moody AFB, with an annual premium of $1,514 .
- Georgia drivers can save up to 23% annually on their auto insurance policy by comparing price quotes from multiple carriers.
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.
You might also be interested in
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- How much is car insurance for a 25-year-old in Georgia?
- Car insurance for high-risk drivers in Georgia
- Cheap car insurance for seniors in Georgia
- How much does car insurance cost in Georgia?
Georgia drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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
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 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 liability-only coverage in Georgia
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, 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 policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and 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 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 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’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.
Cheap car insurance rates after a DUI conviction in Georgia
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.
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 companies in Georgia after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Auto-Owners, at $1,754 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Georgia cities with 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 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.
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
How much can you save on auto insurance in Georgia?
Shopping around for car insurance quotes in Georgia can help drivers save 23% annually on full coverage policies.
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
Georgia drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Georgia.
| 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 |
Final thoughts 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 understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Georgia, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Georgia