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Key Takeaways:
- Country Financial tends to offer the cheapest car insurance in Georgia at $45 per month, or $540 per year for a minimum coverage policy.
- The average cost of car insurance in Georgia is $68 per month for minimum coverage and $154 per month for full coverage.
- Progressive typically has the cheapest full coverage car insurance in Georgia at $113 per month or $1,356 per year.
The cheapest car insurance in Georgia we found was with Country Financial, with an average estimate of $45 per month for a minimum liability coverage policy. But there’s more to consider with auto insurance than just the price tag.
Our research team combed through hundreds of lines of cost data, policy options, industry ratings, and customer reviews to find the best car insurance companies in Georgia with cheap coverage. State Farm earned the top spot overall in our national study of the best car insurance companies, but there are many strong providers serving the Peach State worth considering. The cheapest rates and best provider for you will depend on your driver profile and more.
Best Car Insurance Rates in Georgia
For most Georgia drivers, Auto-Owners Insurance, Country Financial, Georgia Farm Bureau, and USAA tend to offer the cheapest auto insurance rates.
- Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different types of coverage, varying driver profiles, and some of the most populated cities in Georgia. We used this data to determine the cheapest coverage from quality insurance providers, which you’ll find listed in tables throughout this article.
- Unless stated otherwise, estimates reflect the profile of a 40-year-old driver with a clean driving record and good credit history.
- You’ll find detailed cost estimates in the sections below, but for quick reference, we’ve listed the cheapest car insurance companies in Georgia for a few different profiles right here:
- Cheapest full coverage: Progressive followed by USAA
- Cheapest minimum coverage: Country Financial followed by Auto-Owners
- Cheapest for teen drivers: Country Financial
- Cheapest for drivers with traffic violation: Country Financial
Cheapest Car Insurance Companies in Georgia
Based on our cost data and review metrics, we’ve listed the providers that offer the best combination of affordable insurance rates and quality service in Georgia in the table below. Auto-Owners typically offers the cheapest coverage, but State Farm earned the highest overall score of any provider in our study.
| Insurance Provider | Overall Rating | Average Monthly Rate: Minimum Coverage | Average Monthly Rate: Full Coverage | Number of Discounts Offered |
| State Farm | 4.6 | $82 | $185 | 12 |
| GEICO | 4.4 | $58 | $139 | 16 |
| USAA | 4.5 | $61 | $125 | 12 |
| Auto-Owners | 4.4 | $50 | $139 | 12 |
| Allstate | 4.4 | $101 | $191 | 13 |
Cheapest Car Insurance Coverage in Georgia
The cheapest auto coverage for Georgia drivers is a liability insurance policy that meets the state minimum requirements. However, most experts recommend getting a “full coverage” policy that includes injury and property coverage for you and your vehicle as well.
While full coverage is significantly more expensive, it offers far more financial protection. If you leased your car or have an active loan on it, your leaseholder or lender may require it.
Cheapest Liability Car Insurance in Georgia
The average rate estimate for a minimum coverage policy in Georgia is $68 per month, or $816 per year. Country Financial tends to offer the cheapest minimum liability policies, with estimates at $45 per month, or $594 per year.
| Provider | Average Monthly Rate for Minimum Liability | Average Yearly Rate for Minimum Liability |
| Auto-Owners | $50 | $594 |
| Country Financial | $45 | $540 |
| Central | $56 | $671 |
| USAA | $61 | $733 |
| State Farm | $82 | $986 |
| Progressive | $52 | $622 |
| GEICO | $58 | $693 |
| Mercury | $76 | $909 |
| Allstate | $101 | $1,217 |
| Safeway | $99 | $1,191 |
Cheapest Full Coverage Car Insurance in Georgia
In Georgia, the average rate for full coverage auto insurance is $154 per month or $1,850 per year. Progressive offers the cheapest average estimates on full coverage insurance at $113 per month or $1,356 per year.
| Provider | Average Monthly Rate for Full Coverage | Average Yearly Rate for Full Coverage |
| Auto-Owners | $139 | $1,665 |
| Country Financial | $144 | $1,727 |
| GEICO | $139 | $1,669 |
| USAA | $125 | $1,499 |
| Central | $156 | $1,874 |
| State Farm | $185 | $2,216 |
| Progressive | $113 | $1,356 |
| Mercury | $162 | $1,938 |
| Allstate | $191 | $2,292 |
| Safeway | $189 | $2,267 |
Car Insurance Quotes in Georgia
Your coverage rates will likely vary from those listed in the tables above. This is because car insurance companies base individual rates on several variables. Your age, driving record, location, and more all contribute to the cost of your car insurance premiums.
Cheapest Car Insurance Georgia: Age
Age is one of the most significant factors in the cost of car insurance. Young drivers and especially teen drivers typically pay far more for auto coverage than other age groups. In the table below, you’ll find the average monthly rate estimates for Georgia drivers of different ages.
| Driver Age | Average Monthly Rate for Full Coverage |
| 16 | $867 |
| 20 | $327 |
| 30 | $161 |
| 40 | $154 |
| 50 | $149 |
Cheapest Car Insurance Georgia: High-Risk Drivers
Your driving history is also a key component in your premiums. People with a clean driving record get access to the cheaper car insurance rates. Any at-fault accidents or traffic violations such as speeding tickets can result in higher premiums.
How much these marks on your driving record impact your premiums varies by provider. Below you’ll find a list of the top insurers in Georgia and their average rates for good drivers with a clean record and high-risk drivers.
| Insurance Provider | Average Monthly Rate for Full Coverage: Clean Driving Record | Average Monthly Rate for Full Coverage: High-Risk Drivers |
| Owners | $111 | $165 |
| Country Financial | $124 | $171 |
| GEICO | $124 | $240 |
| USAA | $135 | $216 |
| Georgia Farm Bureau | $140 | $199 |
| State Farm | $148 | $163 |
| Progressive | $160 | $240 |
| Mercury | $164 | $252 |
| Allstate | $177 | $233 |
| Safeway | $232 | $287 |
Car Insurance Rates in Georgia: Speeding Ticket
A single speeding ticket can cause your premiums to go up significantly. For drivers in Georgia, USAA tends to offer the cheapest car insurance for drivers with a speeding ticket with an average estimate of $155 per month or $1,861 per year. GEICO and Progressive also offer some of the most affordable rates for these drivers.
| Insurance Provider | Average Monthly Rate After a Speeding Ticket | Average Yearly Rate After a Speeding Ticket |
| Auto-Owners | $183 | $2,192 |
| Country Financial | $182 | $2,182 |
| Central | $197 | $2,367 |
| State Farm | $198 | $2,372 |
| USAA | $155 | $1,861 |
| GEICO | $157 | $1,881 |
| Progressive | $163 | $1,954 |
| Allstate | $219 | $2,623 |
| Mercury | $256 | $3,066 |
| Safeway | $199 | $2,385 |
Car Insurance Rates in Georgia: At-Fault Accident
Drivers will also likely see higher rates if they are found at-fault for a car accident. Country Financial tends to offer the cheapest coverage for Georgia drivers with a recent accident, with an average rate estimate of $183 per month or $2,194 per year. Auto-Owners and USAA also typically offer some of the least expensive coverage for drivers with an accident.
| Insurance Provider | Average Monthly Rate After an At-Fault Accident | Average Yearly Rate After an At-Fault Accident |
| Auto-Owners | $205 | $2,455 |
| Country Financial | $183 | $2,194 |
| Central | $228 | $2,733 |
| State Farm | $214 | $2,570 |
| USAA | $192 | $2,302 |
| Progressive | $220 | $2,639 |
| GEICO | $240 | $2,882 |
| Allstate | $304 | $3,648 |
| Mercury | $362 | $4,342 |
| Safeway | $259 | $3,113 |
Car Insurance Rates in Georgia: DUI
A driving under the influence (DUI) violation can cause auto premiums to skyrocket. For Georgia drivers with a DUI on their record, Progressive typically offers the lowest rates, with an average estimate of $170 per month or $2,044 per year. State Farm and Country Financial also offer some of the more affordable premiums for these drivers.
| Insurance Provider | Average Monthly Rate After a DUI | Average Yearly Rate After a DUI |
| Auto-Owners | $276 | $3,311 |
| Country Financial | $209 | $2,502 |
| Central | $317 | $3,804 |
| State Farm | $198 | $2,372 |
| USAA | $252 | $3,020 |
| Progressive | $170 | $2,044 |
| GEICO | $421 | $5,052 |
| Allstate | $265 | $3,174 |
| Mercury | $241 | $2,894 |
| Safeway | $248 | $2,979 |
Average Cost of Car Insurance in Georgia
The average cost of car insurance in Georgia is $816 per year for minimum coverage and $1,850 for full coverage. This is roughly 6% higher for minimum coverage than the national average annual rates, but 7% cheaper for full coverage policies.
Average Car Insurance Cost Georgia by City
Where you live in Georgia can have a significant impact on your auto insurance premiums. Potential risk factors such as population density, crime rates, and weather patterns vary between ZIP codes and, as a result, so do average rates. The table below shows the average minimum coverage rates for different cities in the Peach State.
| Georgia City | Average Monthly Rate: Minimum Coverage | Average Monthly Rate: Full Coverage |
| Atlanta | $75 | $179 |
| Lawrenceville | $72 | $162 |
| Marietta | $69 | $156 |
| Augusta | $54 | $143 |
| Columbus | $56 | $150 |
| Savannah | $66 | $163 |
| Macon | $65 | $161 |
| Norcross | $69 | $160 |
| Albany | $49 | $138 |
| Gainsville | $56 | $141 |
| Cumming | $57 | $142 |
| Sandy Springs | $67 | $158 |
| Athens | $50 | $138 |
| Newnan | $56 | $143 |
| Snellville | $77 | $170 |
Georgia Auto Insurance Laws
Nearly every state in the U.S. requires drivers to carry some form of auto coverage, Georgia included. Your auto policy will need to be in line with state car insurance requirements to be considered valid by the Georgia Department of Driver Services (DDS).
Is It Illegal to Drive Without Car Insurance in Georgia?
Driving without car insurance or with an expired registration in Georgia is considered a misdemeanor criminal offense and can result in serious penalties. If caught, you could lose your driver’s license, owe fines, or even face jail time.
The table below shows the potential consequences of driving without proper insurance coverage under Georgia law.
| Offense Number | Driving Privilege Penalties | Fines | Legal Penalties |
| First offense | License and registration suspended for 60 days | $25 lapse fee, $60 reinstatement fee | Imprisonment, up to one year |
| Second offense | License and registration suspended for 90 days | $25 lapse fee, $60 reinstatement fee | Imprisonment, up to one year |
| Third and subsequent offenses | License and registration suspended for 180 days | $25 lapse fee, $160 reinstatement fee | Imprisonment, up to one year |
Georgia State Minimum Car Insurance Requirements
Georgia has relatively basic coverage requirements. State law dictates that your auto policy has the following types of coverage and coverage limits:
- Bodily injury liability – $25,000 per person, $50,000 per incident
- Property damage liability – $25,000 per incident
Again, most insurers recommend carrying additional policies and higher amounts of coverage than states tend to require. With the cost of auto repairs and medical expenses on the rise, increasing your liability limits can help prevent you from being personally liable for accident-related costs.
Policies that include comprehensive coverage and collision coverage can protect the equity you have in your vehicle. Additional injury coverage, such as personal injury protection (PIP) or medical payments (MedPay) for you and your party, can help avoid financial disaster related to costly medical bills.
It’s also worth considering adding uninsured motorist coverage and underinsured motorist (UM/UIM) coverage to your plan. This pays towards a claim when an at-fault driver lacks sufficient coverage to do so. Despite car insurance being mandatory, 12.4% of Georgia drivers lacked car insurance in 2019, according to the Insurance Information Institute (III).
Is Georgia an At-Fault State?
Yes, Georgia is an at-fault state. This means that authorities will determine which party is responsible following a collision. Other parties in an accident must seek damages from the at-fault party.
Georgia SR-22 Laws
If you have committed a serious traffic violation – such as a DUI – or several smaller ones, the state of Georgia may require an SR-22. The DDS may also require one if you have failed to maintain your auto coverage. You may have heard of this being referred to as “SR-22 insurance,” but it’s not actually a type of insurance.
Instead, an SR-22 is a form that your insurer files with the DDS to certify that you have a valid and active insurance policy. Since these requirements tend to come as the result of relatively serious violations, you can expect your premiums to go up if you need one.
Cheap Car Insurance in Georgia: Conclusion
The cheapest car insurance in Georgia we found in our research was $45 per month for a minimum coverage policy from Country Financial. However, you may find your best rates with a different provider based on your driver profile, where you live, and other factors.
You may also want to consider protecting yourself with a full coverage policy. We found full coverage estimates as low as $113 per month, from Progressive. More coverage means higher premiums, but it also means more financial protection and peace of mind.
Because of how much premiums vary, it’s a good idea to compare car insurance quotes from a few providers. This will allow you to see which provider truly offers you the cheapest rates on the coverage you want.
Best Car Insurance in Georgia: Recommended Providers
Shopping around and getting free quotes from multiple insurers is the best way to find the best cheap auto insurance coverage for you and your vehicle. Based on what we learned during our research, our team recommends starting your Georgia car insurance search with two of the best auto insurance companies from our study.
Auto-Owners: 4.4 out of 5.0
Based on our cost data, Auto-Owners offers one of the cheapest minimum coverage and full coverage policies in the state of Georgia. Along with affordable car insurance rates, Auto-Owners has a strong track record of customer service, with relatively few complaints lodged with the Better Business Bureau (BBB) and National Association of Insurance Commissioners (NAIC) for the industry.
Country Financial: 4.3 out of 5.0
Country Financial had the lowest rate estimates in Georgia for drivers in several different categories. The provider consistently offers some of the lowest rates in the state to drivers with a recent accident, speeding ticket, or other risk indicators on their record. Country Financial also offers a large selection of car insurance discounts, meaning you can likely make some of the cheapest car insurance in Georgia even more affordable.
Cheapest Auto Insurance in Georgia: FAQ
You’ll find answers to some of the most frequently asked questions about auto insurance in Georgia below.
Which company gives the cheapest car insurance?
Country Financial typically offers the cheapest car insurance when it comes to national average rates. In Georgia specifically, our researchers found that Auto-Owners and Central tended to offer the lowest premiums.
How much is car insurance per month in Georgia?
The average cost of car insurance per month in Georgia is $68 for a minimum coverage policy and $154 for full coverage. Our team found rates in Georgia as low as $45 per month for minimum coverage and $113 for a full coverage policy.
How to reduce car insurance in Georgia?
You can reduce the cost of car insurance in Georgia in a few different ways, including reducing the amount and types of coverage you have, increasing your deductible, and applying discounts. In the long term, you can greatly reduce your premiums by improving your credit score, as drivers with good credit typically pay much less for coverage than those with poor credit.
How much is car insurance on average in Georgia?
On average, car insurance in Georgia costs around $816 per year for a minimum coverage policy. The average cost of a full coverage car insurance policy in Georgia is around $1,850 per year.
Is it illegal to drive without insurance in Georgia?
It is illegal to drive without car insurance in Georgia. You can be charged with a misdemeanor criminal offense for driving without insurance or proper registration. Potential penalties include fines, loss of driving privileges, and even jail time.
Is it cheaper to pay car insurance every six months or monthly?
It is often cheaper to pay for car insurance every six months than it is to pay monthly. This is because many providers offer a discount for paying for your policy up front instead of over monthly payments. Not every provider offers this discount, however.
Methodology
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
