Company | Annual Premium | Monthly Premium |
---|---|---|
Country Financial | $809.00 | $67 |
Auto-Owners Insurance Co | $856.00 | $71 |
USAA | $986.00 | $82 |
All State | $1,043.00 | $87 |
State Farm | $1,103.00 | $92 |
Why Compare Car Insurance Rates in Georgia:
Maintaining sufficient car insurance is part of the expense of owning a car. Car insurance in Georgia can get more costly if you are a first-time driver, have poor credit, or have a busy history of claims. No matter what your needs are, several auto insurance companies in Georgia are providing cheap car insurance in Georgia. We periodically survey car insurance companies in Georgia for product offers, prices, availability, and consumer satisfaction to decide which insurance companies provide cheap auto insurance in GA.
The best car insurance in Georgia doesn't offer cheap car insurance in Georgia. So we at Way.com compared the latest rates and feedback to find the most affordable car insurance in Georgia. From our research on the rates of GA auto insurance, we found that the below companies provide cheap and best car insurance in Georgia.
All states require you to buy such insurance coverage before you can register your car. According to the Georgia Insurance Department, all car owners must have at least the following:
Coverage Type | Minimum Coverage Limit |
---|---|
Bodily Injury Liability Coverage (per person) | $25000 ($50,000 for injuries resulting in death) |
Bodily Injury Liability Coverage (per accident) | $50000 ($100000 for injuries resulting in death) |
Property Damage Liability | $25000 |
Uninsured Motorist | $25000 bodily injury per person $50000 bodily injury per accident |
THE USAA has the cheapest minimum coverage for drivers without military affiliation. However, State Farm also has competitive prices. MetLife’s average rates are 41% more than the state average, and they are the most in the country.
COMPANY | AVERAGE ANNUAL RATE |
---|---|
USAA | $986 |
State Farm | $1,103 |
Auto Owners Group | $1,259 |
Statewide Average | $1,286 |
Nationwide | $1,402 |
Progressive | $1,429 |
Country Financial | $1,457 |
Mercury | $1,702 |
Esurance | $1,805 |
Allstate | $1,805 |
MetLife | $1,950 |
It is always a good idea to purchase auto insurance that provides more coverage than the bare minimum to protect yourself financially. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term.
It is never a good idea to carry only the state-mandated minimums, which puts you and your investments in danger. Although Georgia's liability limitations are higher than some other states, this does not guarantee that you will be sufficiently protected. Raising your restrictions is nearly necessary, given how quickly medical expenditures can mount, especially if you damage more than one person.
Georgia is a comparative fault state, and this means that the quantity of fault allocated is proportionate to the amount of fault assigned. This means that several drivers can share culpability and be compensated based on the percentage of fault assigned. In Georgia, drivers determined to be at least 50% at blame for an accident are not entitled to any damages or compensation.
Georgia is a diminished value state, meaning drivers can sue the at-fault party's insurance company for diminished value. Even if your car is repaired to its pre-loss state after an accident, its resale value diminishes. Your car's value is reduced due to its involvement in a collision compared to similar cars that have not been in an accident. A claim for diminished value helps you reclaim any damages you may have incurred when selling your car.
Choosing the right auto insurance policy is an excellent method to ensure your safety while driving. Way.com can help you find and compare insurance quotes side by side, providing you with a clear picture of the coverage options available and how much they'll cost.
In Georgia, PIP is unavailable. Instead of PIP insurance, Georgia insurers offer medical payments insurance (often known as MedPay), which covers hospital expenditures incurred due to an automobile accident.
MedPay and PIP insurance are similar in that they both cover your medical expenditures even if you cause a car accident. MedPay, on the other hand, is less comprehensive than personal injury protection, with no provisions for lost pay or assistance with household chores that you are unable to perform owing to your injury.
In no-fault states, personal injury protection is a type of car insurance that covers medical expenses regardless of who caused the collision. Georgia is an at-fault state, which means that following a collision, at least one driver is deemed to be "at blame." The average cost of insurance in Georgia – $1668 – is typical compared to most PIP states and other non-PIP states, owing to variances in vehicle insurance rules.
Like most states, Georgia has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.
To be lawful in Georgia, you merely need liability insurance. However, if you want to increase your insurance coverage and protection, look into these additional coverage alternatives.
Every driver in Georgia, like most states, is required to have a specified amount of car insurance coverage. This is for your safety and the safety of the other drivers with whom you share the road.
In Georgia, having proof of insurance is required, and it must be provided at the request of any law enforcement authority. Your lienholder may request physical damage insurance (collision and comprehensive) in addition to liability coverage if you are currently financing your car.
Driving a car without insurance is a misdemeanour in Georgia, and it carries the following penalties:
You might expect license reinstatement fees as well as a fee for letting your auto insurance lapse. Accidents that cause major harm or death can result in felony charges, resulting in incarceration or fines.
For minimal liability coverage, the average cost of car insurance in Georgia is $680 per year or $56 per month.
In addition to the location, Georgia car insurance rates are determined by several factors. Your premium is affected by your age, gender, marital status, car, and driving background. Other factors, including the number of miles driven and credit score, are also taken into account. Since each carrier gives different weight to each of these variables, comparing several carriers is even more critical to ensure you are getting affordable car insurance in Georgia for your financial situation.
We looked at Georgia's average car insurance prices based on each of the primary rating categories. Read on to determine how much auto insurance costs in your state, or enter your zip code to get customized quotes from top insurers.
Company | Annual rate |
---|---|
Country Financial | $680 |
Auto-Owners Insurance Co | $862 |
Allstate | $1,050 |
State Farm | $1,107 |
Mercury | $1,207 |
Progressive | $1,253 |
Company | 16-year-old-male | 16-year-old-female |
---|---|---|
Allstate | $4,768 | $5,512 |
Auto-Owners Insurance Co | $3,039 | $2,302 |
Progressive | $8,314 | $3,919 |
State Farm | $5,246 | $7,399 |
Company | Annual rate |
---|---|
Country Financial | $594 |
Auto-Owners Insurance Co | $922 |
State Farm | $1,062 |
Allstate | $1,112 |
Mercury | $1,139 |
Progressive | $1,260 |
THE USSA offers rates 16% lower than the state average and the lowest in our analysis for drivers with a clean driving record (next to USAA). Allstate's prices are 41% higher than the state average, making it the most expensive of the insurers we looked at.
COMPANY | AVERAGE ANNUAL RATE |
---|---|
USAA | $1,064 |
State Farm | $1,198 |
Auto Owners Group | $1,346 |
Statewide Average | $1,372 |
Nationwide | $1,373 |
Progressive | $1,537 |
Allstate | $1,925 |
Company | Annual rate |
---|---|
Country Financial | $1,011 |
Allstate | $1,403 |
Mercury | $1,760 |
Progressive | $1,972 |
Auto-Owners Insurance Co | $2,310 |
State Farm | $2,361 |
Young drivers in the Peach State are required by Joshua's Law to undergo a phased licensing scheme. Auto-Owners Group's rates are the lowest in our survey and 18% to 20% cheaper than the state average, except for USAA, which requires a military affiliation for qualifying. Progressive’s prices are 24% to 36% higher than the state average, making it the most expensive insurer for this group.
Company | Annual rate |
---|---|
Country Financial | $594 |
Auto-Owners Insurance Co | $922 |
State Farm | $1,062 |
Allstate | $1,112 |
Mercury | $1,139 |
Progressive | $1,260 |
Drivers in Georgia who have received a speeding ticket may be able to save money by switching to State Farm, which has the lowest average rates in our survey. MetLife has the highest premiums in our survey$2768, at $1,156 higher than the national average.
COMPANY | AVERAGE ANNUAL RATE |
---|---|
State Farm | $1,305 |
USAA | $1,310 |
Nationwide | $1,599 |
Auto Owners Group | $1,505 |
Statewide Average | $1,601 |
Country Financial | $1,802 |
Progressive | $2,075 |
Allstate | $2,176 |
Esurance | $2,519 |
Mercury | $2,591 |
MetLife | $2,768 |
Georgia drivers with a history of accidents may get the greatest price with State Farm, which offers average rates that are 34% lower than the state average. Progressive's average rates are more than $2,000 higher than State Farm's and the highest in our research.
COMPANY | AVERAGE ANNUAL RATE |
---|---|
State Farm | $1,412 |
USAA | $1,562 |
Auto Owners Group | $1,855 |
Country Financial | $2,004 |
Statewide Average | $2,129 |
Nationwide | $2,394 |
Allstate | $2,608 |
Mercury | $3,011 |
MetLife | $3,031 |
Progressive | $3,438 |
State Farm's average rates for DUI drivers are likely to be lower than those of every other insurer we looked at. MetLife's average rates are the highest in our survey, costing more than twice as much as State Farm's average car insurance for this category.
COMPANY | AVERAGE ANNUAL RATE |
---|---|
State Farm | $1,305 |
Progressive | $2,010 |
USAA | $2,089 |
Country Financial | $2,391 |
Statewide Average | $2,451 |
Mercury | $2,576 |
Esurance | $2,585 |
Auto Owners Group | $2,673 |
Nationwide | $2,929 |
MetLife | $3,721 |
Farm Bureau has the cheapest rates for married drivers, at $1322 per year – $185 less than the national average. Married drivers, statistically, cause fewer accidents than single drivers, resulting in reduced insurance premiums from many companies. In Georgia, married drivers pay an average annual rate of 8% less than unmarried drivers.
Companies | Annual rates |
---|---|
Farm Bureau | $1332 |
State Farm | $1419 |
Progressive | $1653 |
Allstate | $1941 |
Young drivers with an at-fault accident can get the cheapest insurance from Farm Bureau, costing $2035 per year – the same as a speeding citation. In Georgia, an 18-year-old driver's insurance costs increase by 25% after an accident, from $2,521 to $3,163 for a minimum-coverage policy.
Companies | Annual rates |
---|---|
Farm Bureau | $2043 |
State Farm | $2622 |
Allstate | $4140 |
Progressive | $5367 |
Your car insurance prices are influenced not only by how you drive but also by where you reside. In Georgia, full-coverage auto insurance varies by nearly $1,600 from city to city.
Auburn has the cheapest car insurance in the state, with average premiums 52 percent lower than the state average. On the other hand, Candler-McAfee drivers pay 50% more for car insurance than the state average, the highest premium in the state.
City | Annual Rate |
---|---|
Atlanta | $2,009 |
Augusta | $1,553 |
Abbeville | $1,481 |
Acworth | $1,661 |
Adairsville | $1,553 |
Adel | $1,373 |
Adrian | $1,505 |
Ailey | $1,529 |
Alamo | $1,565 |
Alapaha | $1,421 |
Albany | $1,445 |
Aldora | $1,613 |
Allenhurst | $1,481 |
Allentown | $1,565 |
Alma | $1,469 |
Alpharetta | $1,805 |
Alston | $1,577 |
Alto | $1,481 |
Ambrose | $1,457 |
Americus | $1,529 |
Andersonville | $1,529 |
Appling | $1,529 |
Arabi | $1,505 |
Aragon | $1,709 |
Argyle | $1,373 |
Arlington | $1,469 |
Armuchee | $1,541 |
Arnoldsville | $1,541 |
Ashburn | $1,481 |
Athens | $1,529 |
Attapulgus | $1,373 |
Auburn | $797 |
Austell | $2,057 |
Avera | $1,505 |
Avondale Estates | $1,037 |
Axson | $1,409 |
Baconton | $1,433 |
Bainbridge | $1,373 |
Baldwin | $1,517 |
Ball Ground | $1,565 |
Barnesville | $1,577 |
Barney | $1,277 |
Bartow | $1,505 |
Barwick | $1,385 |
Baxley | $1,433 |
Bellville | $1,553 |
Belvedere Park | $2,129 |
Berkeley Lake | $1,925 |
Berlin | $1,421 |
Bethlehem | $1,793 |
Bishop | $1,745 |
Blackshear | $1,397 |
Blairsville | $1,445 |
Blakely | $1,373 |
Bloomingdale | $1,505 |
Blue Ridge | $1,493 |
Bluffton | $1,493 |
Blythe | $1,589 |
Bogart | $1,577 |
Bolingbroke | $1,697 |
Bonaire | $1,529 |
Bonanza | $2,057 |
Boneville | $1,481 |
Boston | $1,325 |
Bostwick | $1,757 |
Bowdon | $1,661 |
Bowdon Junction | $1,661 |
Bowersville | $1,457 |
Bowman | $1,493 |
Box Springs | $1,601 |
Braselton | $1,493 |
Bremen | $1,673 |
Brinson | $1,409 |
Bristol | $1,457 |
Bronwood | $1,553 |
Brookfield | $1,445 |
Brooklet | $1,553 |
Brooks | $1,613 |
Broxton | $1,481 |
Brunswick | $1,337 |
Buchanan | $1,697 |
Buckhead | $1,553 |
Buena Vista | $1,613 |
Buford | $1,673 |
Butler | $1,625 |
Byromville | $1,577 |
Byron | $1,457 |
Cadwell | $1,505 |
Cairo | $1,361 |
Calhoun | $1,493 |
Calvary | $1,385 |
Camak | $1,517 |
Camilla | $1,373 |
Candler-McAfee | $2,465 |
Canon | $1,445 |
Canton | $1,541 |
Carlton | $1,493 |
Carnesville | $1,445 |
Carrollton | $1,613 |
Cartersville | $1,613 |
Cassville | $1,697 |
Cataula | $1,577 |
Cave Spring | $1,637 |
Cecil | $1,373 |
Cedar Springs | $1,397 |
Cedartown | $1,637 |
Centerville | $1,601 |
Centralhatchee | $1,637 |
Chamblee | $1,841 |
Chatsworth | $1,409 |
Chattahoochee Hills | $1,865 |
Chattanooga Valley | $1,469 |
Chauncey | $1,505 |
Cherry Log | $1,517 |
Chester | $1,493 |
Chestnut Mountain | $1,649 |
Chickamauga | $1,433 |
Chula | $1,433 |
Cisco | $1,505 |
Clarkdale | $2,057 |
Clarkesville | $1,457 |
Clarkston | $1,265 |
Claxton | $1,505 |
Clayton | $1,457 |
Clermont | $1,589 |
Cleveland | $1,517 |
Climax | $1,373 |
Clinchfield | $1,493 |
Clyo | $1,553 |
Cobb | $1,541 |
Cobbtown | $1,541 |
Cochran | $1,457 |
Cohutta | $1,445 |
Colbert | $1,565 |
Coleman | $1,517 |
College Park | $2,213 |
Collins | $1,505 |
Colquitt | $1,361 |
Columbus | $1,601 |
Comer | $1,541 |
Commerce | $1,541 |
Concord | $1,637 |
Conley | $2,153 |
Conyers | $1,937 |
Coolidge | $1,409 |
Coosa | $1,721 |
Cordele | $1,517 |
Cornelia | $1,505 |
Cotton | $1,409 |
Country Club Estates | $1,301 |
Covington | $833 |
Crandall | $1,457 |
Crawford | $1,565 |
Crawfordville | $1,481 |
Crescent | $1,457 |
Culloden | $1,685 |
Cumming | $1,649 |
Cusseta | $1,541 |
Cuthbert | $1,445 |
Dacula | $881 |
Dahlonega | $1,589 |
Daisy | $1,553 |
Dallas | $1,721 |
Dalton | $1,385 |
Damascus | $1,433 |
Danielsville | $1,445 |
Danville | $1,553 |
Darien | $1,397 |
Dasher | $1,289 |
Davisboro | $1,529 |
Dawson | $1,433 |
Dawsonville | $1,505 |
De Soto | $1,541 |
Dearing | $1,481 |
Decatur | $2,249 |
Deenwood | $1,409 |
Deepstep | $1,541 |
Demorest | $1,493 |
Denton | $1,565 |
Dewy Rose | $1,493 |
Dexter | $1,529 |
Dillard | $1,541 |
Dixie | $1,337 |
Dock Junction | $1,373 |
Doerun | $1,421 |
Donalsonville | $1,397 |
Doraville | $1,937 |
Douglas | $1,433 |
Douglasville | $1,829 |
Dover | $1,577 |
Druid Hills | $1,889 |
Dry Branch | $1,697 |
Du Pont | $1,337 |
Dublin | $1,421 |
Dudley | $1,553 |
Duluth | $1,805 |
Dunwoody | $1,853 |
Dutch Island | $1,709 |
East Dublin | $1,433 |
East Ellijay | $1,613 |
East Griffin | $1,661 |
East Point | $2,165 |
Eastanollee | $1,457 |
Eastman | $1,445 |
Eatonton | $1,493 |
Eden | $1,565 |
Edison | $1,517 |
Elberton | $1,481 |
Elko | $1,529 |
Ellabell | $1,553 |
Ellaville | $1,589 |
Ellenton | $1,421 |
Ellenwood | $1,949 |
Ellerslie | $1,577 |
Ellijay | $1,481 |
Emerson | $1,673 |
Enigma | $1,445 |
Epworth | $1,505 |
Esom Hill | $1,661 |
Eton | $1,469 |
Euharlee | $1,661 |
Evans | $1,541 |
Experiment | $1,661 |
Fair Oaks | $1,913 |
Fairburn | $1,949 |
Fairmount | $1,469 |
Fairview | $1,421 |
Fargo | $1,337 |
Farmington | $1,577 |
Fayetteville | $1,661 |
Felton | $1,637 |
Fitzgerald | $1,385 |
Fleming | $1,481 |
Flemington | $1,493 |
Flintstone | $1,469 |
Flovilla | $1,709 |
Flowery Branch | $1,553 |
Folkston | $1,361 |
Forest Park | $2,201 |
Forsyth | $1,589 |
Fort Gaines | $1,493 |
Fort Oglethorpe | $1,469 |
Fort Stewart | $1,505 |
Fort Valley | $1,541 |
Fortson | $1,613 |
Fowlstown | $1,433 |
Franklin | $1,601 |
Franklin Springs | $1,517 |
Funston | $1,469 |
Gainesville | $1,577 |
Garden City | $1,709 |
Garfield | $1,541 |
Gay | $1,649 |
Geneva | $1,649 |
Georgetown | $1,529 |
Gibson | $1,493 |
Gillsville | $1,589 |
Girard | $1,613 |
Glenn | $1,661 |
Glennville | $1,529 |
Glenwood | $1,541 |
Good Hope | $1,853 |
Gordon | $1,577 |
Gough | $1,505 |
Gracewood | $1,553 |
Grantville | $1,589 |
Gray | $1,661 |
Grayson | $953 |
Graysville | $1,469 |
Greensboro | $1,481 |
Greenville | $1,613 |
Gresham Park | $2,261 |
Griffin | $1,553 |
Grovetown | $1,445 |
Gumlog | $1,469 |
Guyton | $1,541 |
Haddock | $1,649 |
Hagan | $1,553 |
Hahira | $1,289 |
Hamilton | $1,637 |
Hampton | $1,793 |
Hannahs Mill | $1,613 |
Hapeville | $2,357 |
Haralson | $1,613 |
Hardwick | $1,685 |
Harlem | $1,493 |
Harrison | $1,517 |
Hartsfield | $1,433 |
Hartwell | $1,433 |
Hawkinsville | $1,397 |
Hazlehurst | $1,553 |
Helen | $1,553 |
Helena | $1,553 |
Hephzibah | $1,517 |
Hiawassee | $1,445 |
High Shoals | $1,697 |
Hillsboro | $1,661 |
Hinesville | $1,493 |
Hiram | $1,769 |
Hoboken | $1,409 |
Hogansville | $1,577 |
Holly Springs | $1,709 |
Homer | $1,553 |
Homerville | $1,361 |
Hortense | $1,397 |
Hoschton | $1,529 |
Howard | $1,661 |
Hull | $1,553 |
Ideal | $1,649 |
Ila | $1,517 |
Indian Springs | $1,409 |
Iron City | $1,409 |
Irondale | $2,165 |
Irwinton | $1,565 |
Isle of Hope | $1,721 |
Ivey | $1,613 |
Jackson | $1,565 |
Jacksonville | $1,541 |
Jakin | $1,409 |
Jasper | $1,481 |
Jefferson | $1,637 |
Jeffersonville | $1,601 |
Jekyll Island | $1,361 |
Jenkinsburg | $1,709 |
Jersey | $941 |
Jesup | $1,433 |
Jewell | $1,529 |
Johns Creek | $1,937 |
Jonesboro | $1,997 |
Juliette | $1,625 |
Junction City | $1,685 |
Kathleen | $1,541 |
Kennesaw | $1,745 |
Keysville | $1,529 |
Kings Bay | $1,337 |
Kings Bay Base | $1,337 |
Kingsland | $1,289 |
Kingston | $1,613 |
Kite | $1,541 |
Knoxville | $1,649 |
LaFayette | $1,409 |
Lagrange | $1,589 |
Lake City | $2,141 |
Lake Park | $1,265 |
Lakeland | $1,325 |
Lakemont | $1,505 |
Lakeview | $1,421 |
Lakeview Estates | $989 |
Lavonia | $1,445 |
Lawrenceville | $1,877 |
Leary | $1,529 |
Lebanon | $1,673 |
Leesburg | $1,397 |
Lenox | $1,337 |
Leslie | $1,553 |
Lexington | $1,529 |
Lilburn | $1,913 |
Lilly | $1,613 |
Lincoln Park | $1,613 |
Lincolnton | $1,469 |
Lindale | $1,661 |
Lithia Springs | $2,105 |
Lithonia | $2,381 |
Lizella | $1,565 |
Locust Grove | $1,889 |
Loganville | $1,793 |
Lookout Mountain | $1,445 |
Louisville | $1,529 |
Louvale | $1,517 |
Lovejoy | $2,033 |
Ludowici | $1,445 |
Lula | $1,445 |
Lumber City | $1,541 |
Lumpkin | $1,481 |
Luthersville | $1,613 |
Lyerly | $1,565 |
Lyons | $1,517 |
Mableton | $2,045 |
Macon | $1,697 |
Madison | $1,505 |
Manassas | $1,541 |
Manchester | $1,661 |
Manor | $1,361 |
Mansfield | $1,829 |
Marble Hill | $1,625 |
Marietta | $1,853 |
Marshallville | $1,541 |
Martin | $1,421 |
Martinez | $1,553 |
Matthews | $1,493 |
Mauk | $1,625 |
Maxeys | $1,517 |
Maysville | $1,577 |
Mc Intyre | $1,661 |
McCaysville | $1,481 |
Mcdonough | $1,949 |
McRae | $1,529 |
Meansville | $1,613 |
Meigs | $1,457 |
Meldrim | $1,577 |
Menlo | $1,529 |
Meridian | $1,457 |
Mershon | $1,433 |
Mesena | $1,481 |
Metter | $1,505 |
Midland | $1,649 |
Midville | $1,529 |
Midway | $1,517 |
Milan | $1,493 |
Milledgeville | $1,793 |
Millen | $1,565 |
Millwood | $1,397 |
Milner | $1,637 |
Milton | $1,733 |
Mineral Bluff | $1,493 |
Mitchell | $1,529 |
Molena | $1,589 |
Monroe | $1,733 |
Montezuma | $1,613 |
Montgomery | $1,721 |
Monticello | $1,685 |
Montrose | $1,517 |
Moody AFB | $1,265 |
Moreland | $1,613 |
Morgan | $1,529 |
Morganton | $1,517 |
Morris | $1,481 |
Morrow | $2,057 |
Morven | $1,301 |
Moultrie | $1,409 |
Mount Airy | $1,469 |
Mount Berry | $1,589 |
Mount Vernon | $1,529 |
Mount Zion | $1,637 |
Mountain City | $1,541 |
Mountain Park | $1,961 |
Murrayville | $1,529 |
Musella | $1,709 |
Mystic | $1,433 |
Nahunta | $1,409 |
Nashville | $1,409 |
Naylor | $1,289 |
Nelson | $1,625 |
Newborn | $1,673 |
Newington | $1,685 |
Newnan | $1,577 |
Newton | $1,493 |
Nicholls | $1,481 |
Nicholson | $1,577 |
Norcross | $1,913 |
Norman Park | $1,385 |
Norristown | $1,661 |
North Atlanta | $1,841 |
North Decatur | $1,961 |
North Druid Hills | $1,901 |
North Metro | $1,865 |
Norwood | $1,517 |
Nunez | $1,649 |
Oakfield | $1,553 |
Oakman | $1,553 |
Oakwood | $1,649 |
Ochlocknee | $1,433 |
Ocilla | $1,385 |
Oconee | $1,685 |
Odum | $1,433 |
Offerman | $1,433 |
Oglethorpe | $1,613 |
Oliver | $1,649 |
Omaha | $1,517 |
Omega | $1,361 |
Orchard Hill | $1,625 |
Oxford | $1,793 |
Palmetto | $1,721 |
Panthersville | $2,453 |
Parrott | $1,577 |
Patterson | $1,337 |
Pavo | $1,373 |
Peachtree City | $1,613 |
Peachtree Corners | $1,853 |
Pearson | $1,409 |
Pelham | $1,349 |
Pembroke | $1,493 |
Pendergrass | $1,661 |
Perkins | $1,601 |
Perry | $1,493 |
Phillipsburg | $1,433 |
Pine Lake | $2,273 |
Pine Mountain | $1,553 |
Pine Mountain Valley | $1,637 |
Pinehurst | $1,553 |
Pineview | $1,529 |
Pitts | $1,529 |
Plains | $1,577 |
Plainville | $1,589 |
Pooler | $1,613 |
Port Wentworth | $1,637 |
Portal | $1,529 |
Porterdale | $1,973 |
Poulan | $1,445 |
Powder Springs | $1,793 |
Pulaski | $1,565 |
Putney | $1,481 |
Quitman | $1,277 |
Rabun Gap | $1,529 |
Ranger | $1,529 |
Raoul | $1,589 |
Ray City | $1,277 |
Rayle | $1,517 |
Rebecca | $1,445 |
Red Oak | $2,117 |
Redan | $2,429 |
Reed Creek | $1,445 |
Register | $1,529 |
Reidsville | $1,541 |
Remerton | $1,301 |
Rentz | $1,517 |
Resaca | $1,469 |
Rex | $2,009 |
Reynolds | $1,625 |
Rhine | $1,505 |
Riceboro | $1,493 |
Richland | $1,529 |
Richmond Hill | $1,541 |
Rincon | $1,589 |
Ringgold | $1,361 |
Rising Fawn | $1,469 |
Riverdale | $2,237 |
Roberta | $1,649 |
Robins AFB | $1,601 |
Rochelle | $1,493 |
Rock Spring | $1,457 |
Rockledge | $1,517 |
Rockmart | $1,625 |
Rocky Face | $1,469 |
Rocky Ford | $1,601 |
Rome | $1,541 |
Roopville | $1,565 |
Rossville | $1,409 |
Roswell | $1,757 |
Royston | $1,433 |
Rupert | $1,649 |
Russell | $1,769 |
Rutledge | $1,649 |
Rydal | $1,613 |
Saint George | $1,385 |
Sale City | $1,433 |
Sandersville | $1,529 |
Sandy Springs | $1,805 |
Sapelo Island | $1,457 |
Sardis | $1,601 |
Sargent | $1,733 |
Sasser | $1,481 |
Satilla | $1,577 |
Sautee Nacoochee | $1,493 |
Savannah | $1,673 |
Scotland | $1,541 |
Scottdale | $2,285 |
Screven | $1,493 |
Sea Island | $1,373 |
Senoia | $1,589 |
Seville | $1,553 |
Shady Dale | $1,637 |
Shannon | $1,613 |
Sharon | $1,589 |
Sharpsburg | $1,589 |
Shellman | $1,517 |
Shiloh | $1,589 |
Siloam | $1,553 |
Silver Creek | $1,661 |
Skidaway Island | $1,601 |
Sky Valley | $1,529 |
Smarr | $1,625 |
Smithville | $1,493 |
Smyrna | $1,793 |
Snellville | $2,021 |
Social Circle | $1,721 |
Soperton | $1,517 |
Sparks | $1,385 |
Sparta | $1,529 |
Springfield | $1,541 |
St. Marys | $1,337 |
St. Simons | $1,373 |
Stapleton | $1,493 |
Statenville | $1,337 |
Statesboro | $1,517 |
Statham | $1,589 |
Stephens | $1,505 |
Stillmore | $1,541 |
Stockbridge | $1,841 |
Stockton | $1,313 |
Stone Mountain | $2,201 |
Suches | $1,493 |
Sugar Hill | $1,865 |
Sugar Valley | $1,493 |
Summerville | $1,481 |
Sumner | $1,457 |
Sunnyside | $1,553 |
Surrency | $1,517 |
Suwanee | $1,649 |
Swainsboro | $1,481 |
Sycamore | $1,481 |
Sylvania | $1,541 |
Sylvester | $1,433 |
Talahi Island | $1,589 |
Talbotton | $1,661 |
Talking Rock | $1,457 |
Tallapoosa | $1,649 |
Tallulah Falls | $1,517 |
Talmo | $1,649 |
Tarrytown | $1,541 |
Tate | $1,625 |
Taylorsville | $1,709 |
Temple | $1,625 |
Tennga | $1,457 |
Tennille | $1,541 |
The Rock | $1,613 |
Thomaston | $1,505 |
Thomasville | $1,337 |
Thomson | $1,445 |
Thunderbolt | $1,781 |
Tifton | $1,361 |
Tiger | $1,505 |
Tignall | $1,457 |
Toccoa | $1,397 |
Toccoa Falls | $1,493 |
Toomsboro | $1,529 |
Townsend | $1,409 |
Trenton | $1,493 |
Trion | $1,445 |
Tucker | $1,853 |
Tunnel Hill | $1,409 |
Turin | $1,673 |
Turnerville | $1,493 |
Twin City | $1,541 |
Ty Ty | $1,433 |
Tybee Island | $1,589 |
Tyrone | $1,697 |
Unadilla | $1,553 |
Union City | $2,285 |
Union Point | $1,493 |
Unionville | $1,433 |
Upatoi | $1,601 |
Uvalda | $1,529 |
Valdosta | $1,253 |
Varnell | $1,469 |
Vidalia | $1,517 |
Vienna | $1,565 |
Villa Rica | $1,625 |
Vinings | $1,817 |
Waco | $1,673 |
Wadley | $1,529 |
Waleska | $1,649 |
Walnut Grove | $1,949 |
Walthourville | $1,493 |
Waresboro | $1,433 |
Warm Springs | $1,601 |
Warner Robins | $1,589 |
Warrenton | $1,469 |
Warthen | $1,529 |
Warwick | $1,541 |
Washington | $1,457 |
Watkinsville | $1,493 |
Waverly | $1,385 |
Waverly Hall | $1,625 |
Waycross | $1,325 |
Waynesboro | $1,505 |
Waynesville | $1,421 |
Webster County | $1,541 |
West Green | $1,469 |
West Point | $1,601 |
Weston | $1,553 |
Whigham | $1,361 |
White | $1,661 |
White Oak | $1,373 |
White Plains | $1,529 |
Whitemarsh Island | $1,613 |
Whitesburg | $1,745 |
Wildwood | $1,469 |
Wiley | $1,517 |
Willacoochee | $1,421 |
Williamson | $1,553 |
Wilmington Island | $1,601 |
Winder | $1,661 |
Winston | $1,769 |
Winterville | $1,565 |
Woodbine | $1,361 |
Woodbury | $1,577 |
Woodland | $1,649 |
Woodstock | $1,661 |
Wray | $1,433 |
Wrens | $1,493 |
Wrightsville | $1,517 |
Yatesville | $1,637 |
Young Harris | $1,493 |
Zebulon | $1,613 |
Company | Avg. Annual Premium |
---|---|
Nationwide | $1,918 |
Allstate | $2,477 |
Progressive | $2,553 |
USAA | $2,775 |
Georgia Farm Bureau | $2,828 |
Auto-Owners Insurance Co | $2,952 |
State Farm | $3,732 |
Year | Avg. Annual Premium - Georgia | Yearly Change - Georgia | Avg. Annual Premium - US | Yearly Change - US |
---|---|---|---|---|
2021 | $1,545 | $4 | $1,539 | $56 |
2020 | $1,549 | -$55 | $1,493 | -$51 |
2019 | $1,614 | $20 | $1,554 | $33 |
2018 | $1,604 | $162 | $1,531 | $94 |
2017 | $1,452 | $150 | $1,447 | $79 |
2016 | $1,312 | $151 | $1,378 | $98 |
2015 | $1,171 | -$55 | $1,290 | $61 |
2014 | $1,236 | $80 | $1,239 | $44 |
2013 | $1,166 | -$612 | $1,205 | -$70 |
2012 | $1,788 | $433 | $1,286 | $92 |
The expert analysts at Way.com performed an annual survey of the best car insurance companies in Georgia to see which ones have the best coverage, rates, and service.
Many companies sell auto insurance, but not all of them are giving you the cheapest car insurance in Georgia. There are also some tips for finding cheap auto insurance in Georgia that you can use to find the right policy for your needs.
Remember that discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Car insurance in Georgia costs around $114 a month or $1372 per year. That's more than drivers in other states currently pay for auto insurance.
Car insurance in Georgia is costly because it has some of the most accident-prone roads in the world. Georgia also allowed insurance firms to increase rates without the permission of the State Insurance Regulator, which triggered the rate hikes.
Georgia law requires that all drivers must have the following coverages for your car: Bodily Injury Liability: $25000 per person and $50000 per accident. Property Damage Liability: $25000 per accident.
Car insurance in Georgia costs around $114 a month or $1372 per year. That's more than drivers in other states currently pay for auto insurance.
It would help if you planned to pay less for car insurance in Georgia than in Florida. The regular annual auto insurance premium in Georgia is $364 lower than the average amount in Florida. The exact amount can vary based on your coverage, driving and insurance background, and automobile insurance company.
State Farm is the largest car insurance company in Georgia in terms of size, with around 20% of the private passenger car insurance market. The USAA is also in the top five, possibly due to the many militaries, air forces, and navy bases in the state.
Your driving record, previous claims and vehicle model, car insurance firms in Georgia will use these considerations in terms of rates.
You can be fined $200 to $1000 and end up in jail for up to a year.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.