$37/mo
$50/mo
$56/mo
The car 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. 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.
The car owners in Georgia pays on an average of $1053 for six months for car insurance, which is more than the national average. Auto-Owners Insurance Co offers cheap and the best rates in Georgia.
Auto-Owners Insurance Co offers the cheapest liability coverage in Georgia at $37/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Georgia ↓
Country Financial provides cheap full insurance coverage in Georgia at $62/month, offering excellent value.
Read about the cheapest full coverage companies in Georgia ↓
Auto-Owners Insurance Co is the cheapest option after an at-fault accident in Georgia at $54 per month.
Read more about best car insurance companies after at-fault accident in Georgia ↓
Country Financial was named the best overall by J.D. Power and AM Best, making it a top pick among Georgia’s best car insurers.
Check out the full list of the best car insurance companies in Georgia ↓For drivers looking to meet Georgia minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Georgia is widely available from providers like Auto-Owners Insurance Co at $37/month. If you opt for State Farm you will have to pay at least $131/month for your car insurance premium, which is the highest in Georgia.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $220 | $37 |
| Georgia Farm Bureau | $297 | $50 |
| Farm Bureau | $327 | $56 |
| Mercury | $356 | $60 |
| Auto-Owners | $368 | $62 |
| Country Financial | $380 | $64 |
| USAA | $410 | $69 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Country Financial offers the cheapest car insurance for full coverage in Georgia at $62 per month. On the other hand State Farm offers the most expensive rate at $285 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $374 | $62 |
| Auto-Owners Insurance Co | $493 | $84 |
| Georgia Farm Bureau | $725 | $121 |
| Farm Bureau | $796 | $135 |
| Auto-Owners | $1117 | $188 |
| USAA | $1117 | $188 |
| Progressive | $1152 | $194 |
Get Your Car Insurance Quote in Georgia Instantly!
Country Financial stands out as the best car insurance provider in Georgia, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Auto-Owners Insurance Co is a top pick for drivers seeking value and reliability.
Country Financial offers a six-month premium of $285, which amounts to approximately $48 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Auto-Owners Insurance Co is $356, which is higher than Country Financial's by $71. Their higher monthly premium is, due to their strict policies on traffic violations.
Mercury's premium is $505, which is significantly more expensive than Auto-Owners Insurance Co's by $149. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $285 | $48 |
| Auto-Owners Insurance Co | $356 | $59 |
| Mercury | $505 | $86 |
| Auto-Owners | $843 | $141 |
| USAA | $1022 | $174 |
| Allstate | $1342 | $224 |
| Progressive | $1342 | $228 |
Teens and young drivers in Georgia often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Georgia is
$2449 for 6 months, which is more than the national average.
Auto-Owners Insurance Co is the best options for cheap
car insurance for young drivers in Georgia.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $315 | $52 |
| Mercury | $374 | $64 |
| Country Financial | $446 | $75 |
| Central Insurance | $463 | $79 |
| USAA | $1847 | $311 |
| Georgia Farm Bureau | $2014 | $342 |
| Auto-Owners | $2138 | $360 |
Car insurance rates in Georgia have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Georgia dipped by $214 in Jan compared to $225 of Dec. In other words, there has been an decrease by $11 when you compare Jan and Dec.
The average cost of liability insurance in the Georgia dipped to $71 in Jan, compared to $72 in Dec. This represents an decrease of $1 when comparing Jan and Dec.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Auto-Owners Insurance Co gives you the cheapest car insurance rate after an at-fault accident in Georgia at $54/month. On the other hand State Farm is the most expensive option at $349/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $327 | $54 |
| Country Financial | $505 | $85 |
| Encompass | $558 | $93 |
| Central Insurance | $612 | $104 |
| Farm Bureau | $873 | $146 |
| Georgia Farm Bureau | $891 | $152 |
| Auto-Owners | $986 | $166 |
If you are living in Georgia you should opt for Country Financial. Country Financial ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Georgia, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Georgia may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Georgia after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1271 | $212 |
| One Med/PIP claim | $1271 | $216 |
| One comp claim | $1277 | $213 |
| Two Med/PIP claims | $1277 | $217 |
| Not-at-fault accident | $1283 | $214 |
| Two comp claims | $1301 | $221 |
| Driving without lights | $1533 | $255 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Georgia is Mercury at $65 per month. State Farm at $324 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $380 | $65 |
| Auto-Owners Insurance Co | $493 | $82 |
| Country Financial | $535 | $90 |
| Esurance P&C Ins Co | $737 | $123 |
| Allstate | $1212 | $206 |
| Auto-Owners | $1325 | $223 |
| Georgia Farm Bureau | $1432 | $243 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Athens | $885 | $149 |
| Augusta | $927 | $156 |
| Kings Bay Base | $944 | $157 |
| St. Marys | $944 | $161 |
| Kings Bay | $950 | $158 |
| Kingsland | $950 | $162 |
| Moody Air Force Base | $950 | $158 |
| Woodbine | $950 | $162 |
| Columbus | $956 | $161 |
| Folkston | $968 | $165 |
| Sea Island | $968 | $161 |
| Valdosta | $968 | $165 |
