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cheap car insurance in georgia (July 2023)

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Top Five Cheapest Car Insurance Companies in Georgia

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

Table of Contents

  • Cheapest Minimum Car Insurance- Georgia Farm Bureau
  • Cheapest for Full Coverage- Country Financial
  • Cheapest by Age
  • Cheapest for Drivers with Accidents- State Farm
  • Cheapest for Drivers with DUI- State Farm

Why Compare Car Insurance Rates in Georgia:

  • On average, people who compare rates save about $970 a year on car insurance
  • Way.com is an insurance power broker agency with over 200+ partners
  • Get real personalized quotes from real companies

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.


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Minimum Required Auto Insurance Coverage 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

Cheapest Car Insurance in Georgia for Minimum Liability Coverage

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

Do I Need More Than the Minimum Required State Coverage in Georgia?

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.

See what you could save on auto insurance

Georgia Car Insurance Laws

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.

PIP laws in Georgia

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.

Auto Insurance Coverage Types

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.

Proof of Auto Insurance in Georgia

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:

  • Non-insured drivers in Georgia face penalties.
  • Up to one year in prison and a fee of $25 (plus an additional $160 if the fine is not paid within 30 days)
  • For a period of 60 to 90 days, your license will be suspended.
  • Vehicle impoundment is a possibility.

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.

Average Cost of Auto Insurance Companies in Georgia

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.

Full Coverage Car Insurance in Georgia

Company Annual rate
Country Financial $680
Auto-Owners Insurance Co $862
Allstate $1,050
State Farm $1,107
Mercury $1,207
Progressive $1,253

Georgia Rates for Teen Drivers

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

Georgia Rates for Seniors

Company Annual rate
Country Financial $594
Auto-Owners Insurance Co $922
State Farm $1,062
Allstate $1,112
Mercury $1,139
Progressive $1,260

Cheapest Car Insurance Quotes For Georgia Drivers

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

Georgia Rates for drivers with poor credit

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

Cheap car insurance in Georgia for young drivers

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.

Georgia Rates for Young Adults

Company Annual rate
Country Financial $594
Auto-Owners Insurance Co $922
State Farm $1,062
Allstate $1,112
Mercury $1,139
Progressive $1,260

Cheap car insurance for Georgia drivers with a speeding ticket

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

Cheap auto insurance for Georgia drivers after a car accident

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

Cheap car insurance quotes for Georgia drivers with a DUI

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

Cheap car insurance for married Georgia drivers

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

Cheap full coverage car insurance quotes for young drivers with an accident history

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

Compare car insurance rates in top Cities

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

Cheap auto insurance in Georgia with bad credit

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

See what you could save on auto insurance

Car insurance price trends in Georgia

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

How to find the best car insurance in Georgia

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.

  • Shop around - Each car insurance provider uses a different method for calculating insurance rates for each driver. It is often advised that you buy quotes from various insurers and see how each company pays car insurance to suit your needs.
  • Check on your credit score - Insurance companies can look at your credit score to decide how much to charge you for your insurance premium. Boost your credit score, focus on paying down your loans and make your payments on time so that you can get a better deal on your car insurance premium.
  • Increase your deductible - Another way to lower your annual premium rate is to can your auto insurance deductible.

How to Get Discounts on Car Insurance in Georgia

Remember that discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.

INSURANCE AGENT EXPERTS

Wilson Mathew Nechikat

Wilson Mathew Nechikat

Principal

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Anthony Luu

Anthony Luu

Sr. Director of Insurance Operations

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Ezra Peterson

Ezra Peterson

Sr. Director of Insurance

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Danny Herrera

Danny Herrera

Head of Commercial Insurance

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Auto Insurance Data Methodology

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

Frequently Asked Questions

How Much Is Car Insurance In Georgia?

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.

Why Is Georgia Car Insurance So Expensive?

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.

What Auto Insurance Coverage Is Required In Georgia?

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.

How Much Is Car Insurance Per Month In Georgia?

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.

Is Car Insurance Cheaper In Georgia Or Florida?

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.

What Are The Largest Insurance Companies In Georgia?

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.

What Are The Factors Used In Deciding Car Insurance Rates In Georgia?

Your driving record, previous claims and vehicle model, car insurance firms in Georgia will use these considerations in terms of rates.

What Is The Penalty For Driving Around Without Car Insurance?

You can be fined $200 to $1000 and end up in jail for up to a year.

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Learn more by city and state for car insurance




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