Best and Cheapest Car Insurance in Georgia (10 Most Affordable Companies in 2025)

The top picks for the best and cheapest car insurance in Georgia are Geico, USAA, and State Farm. Geico offers rates starting at $24 per month, making it the top choice for affordability. USAA provides excellent coverage and customer service, ideal for military members and their families.

State Farm is a great option for seniors, offering competitive rates and reliable coverage. These companies consistently deliver the best rates and comprehensive insurance options, catering to a variety of needs and budgets.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$24	A++	Cheap Rates	Geico
	#2	$29	A++	Military Benefits	USAA
	#3	$43	B	Many Discounts	State Farm
	#4	$44	A++	Coverage Options	Travelers
	#5	$46	A+	Loyalty Programs	Progressive
	#6	$50	A	Claims Service	American Family
	#7	$60	A	Safe Drivers	Farmers
	#8	$61	A+	Multi-Policy Savings	Nationwide
	#9	$66	A+	Customized Policies	Allstate
	#10	$106	A	Affinity Discounts	Liberty Mutual

Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code above into our free comparison tool to find the lowest prices in your area.

What You Should Know

• Geico offers the best and cheapest car insurance in Georgia, starts at $24/month
• Find tailored insurance solutions for military families and seniors in Georgia
• Compare quotes to secure the best and cheapest car insurance in Georgia

#1 – Geico: Top Overall Pick

Pros

• Lowest Rates: Geico offers some of the lowest rates at $24 per month, making it the best and cheapest car insurance in Georgia.
• Superior Financial Strength: With an A++ rating from A.M. Best, Geico is highly reliable in terms of financial stability in Georgia.
• Diverse Discount Opportunities: Geico provides a wide range of discounts, including good driver, multi-vehicle, and federal employee discounts, enhancing its value as the best and cheapest car insurance in Georgia.

Cons

• Limited Coverage Options: Geico’s coverage options may not be as comprehensive as some other providers, potentially affecting its standing as the best and cheapest car insurance in Georgia.
• Customer Service: Some customers report mixed experiences with Geico’s customer service, which might influence its reputation as the best and cheapest car insurance in Georgia. You may explore our comparison article on "GEICO vs. Progressive: Which car insurance company do customers say is better?"

#2 – USAA: Best for Military Benefits

Pros

• Exclusive Military Benefits: USAA offers specialized benefits and discounts for military members and their families in Georgia, making it one of the best and cheapest car insurance options for military personnel.
• Outstanding Financial Stability: With an A++ rating, USAA is highly reliable and stable, underscoring its status as the best and cheapest car insurance in Georgia for eligible members.
• Excellent Customer Service: According to our USAA customer ratings, USAA is renowned for excellent customer service, particularly for military personnel, enhancing its value as the best and cheapest car insurance in Georgia for military families.

Cons

• Eligibility Restrictions: USAA insurance is only available to military members, veterans, and their families, limiting its availability as the best and cheapest car insurance in Georgia.
• Limited Public Availability: USAA’s services and discounts might not be as accessible to the general public compared to other insurers, affecting its reach as the best and cheapest car insurance in Georgia.

#3 – State Farm: Best for Many Discounts

Pros

• Extensive Bundling Options: State Farm offers significant discounts for bundling multiple insurance policies, enhancing its position as the best and cheapest car insurance in Georgia.
• High Low-Mileage Discount: Our analysis of State Farm insurance customer reviews reveals that State Farm provides a substantial discount for low-mileage usage, reinforcing its reputation as the best and cheapest car insurance in Georgia.
• Varied Coverage Options: State Farm offers various coverage options tailored for different needs, making it one of the best and cheapest car insurance choices in Georgia.

Cons

• Moderate Multi-Policy Discount: The multi-policy discount from State Farm is not as high compared to some competitors, impacting its competitiveness as the best and cheapest car insurance in Georgia.
• Higher Premium Costs: Despite discounts, State Farm’s premiums in Georgia might still be relatively higher for certain coverage levels, with a monthly rate of $43, affecting its position as the best and cheapest car insurance in Georgia.

#4 – Travelers: Best for Coverage Options

Pros

• Comprehensive Coverage Options: Travelers offers a wide range of coverage options, allowing customers to customize their policies, making it one of the best and cheapest car insurance options in Georgia.
• A.M. Best Rating: Our Travelers Companies, Inc. customer reviews indicates Travelers is known for its financial stability, supporting its status as the best and cheapest car insurance in Georgia.
• Multiple Discounts: Travelers provides multiple discounts, including multi-policy and safe driver discounts in Georgia, enhancing its value as the best and cheapest car insurance.

Cons

• Higher Monthly Rates: Travelers’ monthly rates are higher compared to some other providers, starting at $44, which may affect its standing as the best and cheapest car insurance in Georgia.
• Complex Claims Process: Some customers report that the claims process with Travelers can be more complex than expected, impacting its reputation as the best and cheapest car insurance in Georgia.

#5 – Progressive: Best for Loyalty Programs

Pros

• Loyalty Rewards: The findings from our Progressive insurance customer reviews demonstrates Progressive offers robust loyalty programs with increasing discounts over time in Georgia.
• Usage-Based Insurance: Progressive’s Snapshot program allows drivers to potentially lower their premiums based on driving habits, reinforcing its status as the best and cheapest car insurance in Georgia.
• Wide Range of Discounts: Progressive provides a variety of discounts, including multi-policy and safe driver discounts, enhancing its value as the best and cheapest car insurance in Georgia.

Cons

• Inconsistent Customer Service: Some customers have reported mixed experiences with Progressive’s customer service, which might affect its reputation as the best and cheapest car insurance in Georgia.
• Potential Premium Increases: Premiums may increase significantly after the first term, particularly for new customers, with initial rates starting at $46 per month, impacting its position as the best and cheapest car insurance in Georgia.

#6 – American Family: Best for Claims Service

Pros

• Excellent Claims Service: Our examination of American Family Insurance customer ratings shows American Family is known for its efficient and supportive claims process, making it one of the best and cheapest car insurance options in Georgia.
• Customizable Policies: Offers a range of policy options in Georgia to suit individual needs, enhancing its status as the best and cheapest car insurance in Georgia.
• Good Financial Strength: American Family has an A rating from A.M. Best, indicating solid financial stability, reinforcing its position as the best and cheapest car insurance in Georgia.

Cons

• Higher Monthly Rates: American Family’s rates can be higher compared to some competitors, with premiums starting at $50 per month, affecting its standing as the best and cheapest car insurance in Georgia.
• Restricted Availability: May not be available in all areas, limiting access for some customers, impacting its status as the best and cheapest car insurance in Georgia.

#7 – Farmers: Best for Safe Drivers

Pros

• Safe Driver Discounts: The results of our Farmers insurance customer reviews suggests Farmers offers significant discounts for safe drivers, making it one of the best and cheapest car insurance options in Georgia.
• Wide Coverage Options: Provides a wide range of coverage options, including unique add-ons, reinforcing its status as the best and cheapest car insurance in Georgia.
• Reliable Financial Stability: With an A rating, Farmers is financially stable and reliable, enhancing its position as the best and cheapest car insurance in Georgia.

Cons

• Higher Premiums: Farmers’ monthly premiums are higher compared to many other providers, starting at $60, affecting its standing as the best and cheapest car insurance in Georgia.
• Varied Customer Service Experiences: Some customers have reported less satisfactory experiences with Farmers’ customer service, impacting its reputation as the best and cheapest car insurance in Georgia.

#8 – Nationwide: Best for Multi-Policy Savings

Pros

• Multi-Policy Discounts: Our assessment of Nationwide customer reviews illustrates Nationwide offers substantial savings when bundling multiple policies, making it one of the best and cheapest car insurance options in Georgia.
• Financial Strength: With an A+ rating, Nationwide is financially strong and dependable, reinforcing its status as the best and cheapest car insurance in Georgia.
• Vanishing Deductible Program: Nationwide’s vanishing deductible program rewards drivers with lower deductibles for safe driving, enhancing its value as the best and cheapest car insurance in Georgia.

Cons

• Higher Premium Costs: Nationwide’s premiums in Georgia can be higher compared to some other providers, with rates starting at $61 per month, impacting its standing as the best and cheapest car insurance in Georgia.
• Limited Discount Availability: Some discounts might not be as widely available as with other insurers, affecting its position as the best and cheapest car insurance in Georgia.

#9 – Allstate: Best for Customized Policies

Pros

• Highly Customizable Coverage: Allstate offers a variety of customization options to tailor policies to individual needs, making it one of the best and cheapest car insurance options in Georgia.
• Financial Strength: Based on our Allstate customer reviews, Allstate has an A+ rating, indicating robust financial stability, reinforcing its position as the best and cheapest car insurance in Georgia.
• Diverse Discount Options: Provides numerous discount options, including new car, multi-policy, and safe driver discounts, enhancing its value as the best and cheapest car insurance in Georgia.

Cons

• Higher Premium Rates: Allstate’s premiums can be higher than some other providers, starting at $66 per month, affecting its standing as the best and cheapest car insurance in Georgia.
• Variable Customer Service: Customer service experiences with Allstate can vary, with some negative reports, impacting its reputation as the best and cheapest car insurance in Georgia.

#10 – Liberty Mutual: Best for Affinity Discounts

Pros

• Affinity Discounts: Our Liberty Mutual insurance customer reviews highlights Liberty Mutual offers special discounts for members of certain organizations and employers in Georgia, making it one of the best and cheapest car insurance options.
• Customizable Policies: Provides a range of coverage options to meet different needs, reinforcing its status as the best and cheapest car insurance in Georgia.
• Good Financial Strength: Liberty Mutual has an A rating, indicating solid financial stability, enhancing its position as the best and cheapest car insurance in Georgia.

Cons

• High Premium Costs: Liberty Mutual’s premiums are among the highest compared to other providers, with rates starting at $106 per month, affecting its standing as the best and cheapest car insurance in Georgia.
• Customer Service Concerns: Some customers have reported dissatisfaction with Liberty Mutual’s customer service experiences, impacting its reputation as the best and cheapest car insurance in Georgia.

Minimum Car Insurance Coverage and Limits in Georgia

Georgia requires drivers to know how much bodily injury liability is needed as well as property damage liability insurance. While the state doesn't require you to show your insurance card as proof of insurance, it is needed in order to register your car.

Georgia law lists the minimum amount of coverage that drivers need, outlined below. Keep in mind that buying higher coverage limits can help make sure that you are not underinsured in the event of a costly accident. You can learn more about different car insurance coverages and what the limits mean on our blog.

Insurance Company	Minimum Coverage	Full Coverage
Allstate	$66	$165
American Family	$50	$124
Farmers	$60	$150
Geico	$24	$61
Liberty Mutual	$106	$264
Nationwide	$61	$152
Progressive	$46	$115
State Farm	$43	$108
Travelers	$44	$110
USAA	$29	$72

Georgia state minimum requirements for car insurance include $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

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Bodily injury liability insurance provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims. Property damage liability provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence. There are relatively low liability limits, so you may wish to invest in more coverage.

Best and Cheapest Car Insurance for Teens in Georgia

This table outlines the monthly rates for car insurance for 18-year-old males and females in Georgia, comparing the top 10 providers. Teen drivers often face higher premiums due to their inexperience, making it essential to find affordable options. This comparison aims to help families identify the best insurance deals for their young drivers.

Learn more information with our guide on the "Top 10 Car Insurance Companies for High-Risk Drivers."

Insurance Company	Age: 18 Female	Age: 18 Male
Allstate	$98	$209
American Family	$147	$200
Farmers	$293	$308
Geico	$106	$132
Liberty Mutual	$418	$467
Nationwide	$270	$356
Progressive	$269	$301
State Farm	$113	$148
Travelers	$267	$372
USAA	$114	$135

These rates are based on profiles for 18-year-old male and female drivers in Georgia. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Georgia will differ. Rate data is provided by Quadrant Information Services.

Best and Cheapest Car Insurance Rates for Married Couples in Georgia

Here, the monthly car insurance rates for married couples in Georgia are compared among the top 10 providers. Married couples typically benefit from lower insurance rates due to their perceived lower risk. This table helps couples find the most affordable and suitable insurance options available to them.

Discover more information regarding the best car insurance companies for married couples.

Insurance Company	Monthly Rates
Allstate	$83
American Family	$62
Farmers	$77
Geico	$48
Liberty Mutual	$115
Nationwide	$84
Progressive	$68
State Farm	$52
Travelers	$51
USAA	$40

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years, and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Georgia will differ. Rate data is provided by Quadrant Information Services.

Best and Cheapest Car Insurance Rates for Seniors in Georgia

This table displays the monthly car insurance rates for senior drivers in Georgia, highlighting the top 10 providers. Insurance rates for seniors can vary based on their driving history and age-related factors. By comparing these providers, seniors can find cost-effective insurance plans that meet their specific needs.

Insurance Company	Age: 65 Female	Age: 65 Male
Allstate	$65	$65
American Family	$48	$49
Farmers	$59	$59
Geico	$25	$24
Liberty Mutual	$96	$104
Nationwide	$58	$60
Progressive	$50	$45
State Farm	$42	$42
Travelers	$43	$43
USAA	$28	$28

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Georgia will differ. Rate data is provided by Quadrant Information Services.

Most Affordable Areas in Georgia for Car Insurance

This table compares the monthly car insurance rates across various cities in Georgia, identifying the most affordable areas. Local factors such as crime rates, traffic density, and regulatory conditions can impact insurance costs. Residents can use this table to understand how their location influences their insurance premiums.

Obtain more knowledge on the 14 ways to get cheap car insurance.

City	Rates
Moody Air Force Base	$48
Hahira	$49
Valdosta	$50
Barney	$50
Morven	$51
Lake Park	$51
St. Marys	$52
Quitman	$53
Kings Bay	$53
Ray City	$54

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual insurance costs in Georgia will differ. Rate data is provided by Quadrant Information Services.

Most Expensive Areas in Georgia for Car Insurance

Highlighting the monthly car insurance rates in different cities, this table focuses on the most expensive areas in Georgia. Higher insurance costs in these areas can result from factors like higher accident rates and vehicle theft. This comparison informs residents about the financial impact of living in these high-cost regions.

Delve more details on our guide titled "Why Is Car insurance So Expensive?"

City	Rates
Clarkston	$142
Lithonia	$145
Stone Mountain	$147
Ellenwood	$150
Pine Lake	$148
Conley	$144
Union City	$140
Decatur	$142
Scottdale	$143
Riverdale	$145

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Georgia will differ. Rate data is provided by Quadrant Information Services.

Georgia’s Percentage of Uninsured Drivers

When purchasing insurance, one of the options to consider is uninsured motorist coverage. This coverage is not required in Georgia, but it does offer you protection in the event that an uninsured or underinsured driver is at fault in an accident with you. 12% of Georgia's drivers are uninsured, according to 2015 data from the Insurance Information Institute That’s the 25th highest in the United States.

Car Insurance Coverage Options in Georgia

Once you've purchased the minimum coverage required by law, it is up to you to determine how much car insurance coverage you need. Many people choose to purchase collision coverage, which pays for the policyholder's damages after at-fault accidents. Collision usually goes hand in hand with comprehensive insurance coverage, which pays for damages from events other than collisions, like a falling tree limb, natural disasters, or vandalism.

Personal injury protection and medical payments coverage are two options that pay for medical costs related to an accident. Rental car reimbursement coverage pays you back for the cost of your rental car while your own vehicle is in the shop. GAP insurance, also called loan/lease payoff coverage, pays for the remainder of your loan if your car is totaled while you're still paying it off.

Factors Affecting Car Insurance Rate in Georgia

When searching and comparing quotes from the best car insurance companies in Georgia, it can be frustrating trying to understand how your insurance rates are calculated.

While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Age, Gender, & Marital Status
• Driving Record & Annual Mileage
• Your Car’s Make, Model, and Year
• Location & Credit Score
• Amount of Car Insurance Coverage

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. What is a driving record and what does it track? For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case? Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out.

But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, they wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs. Nevertheless, drivers with a clean driving record and excellent credit score will generally see the lowest rates. If you have poor credit or a driving history full of infractions, ask your insurance provider about discounts.

Strategies for Saving Money on Car Insurance in Georgia

At the end of the day, we'd all like to have the best coverage at a cheap, affordable price from one of the best Georgia car insurance carriers. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium. Be sure to check a car insurance shopping guide on how to save money.

Here are six ways you may be able to lower your car insurance rates. Bundle your car insurance with other policies, consider raising your deductibles, pay your car insurance policy in full, try usage-based car insurance, monitor price changes to your policy, and shop for better insurance rates. Additionally, ask about available car insurance discounts and make sure to compare multiple quotes so you can find the cheapest option. Make sure to compare multiple quotes so you can find the cheapest option.

Car Insurance Rates in Georgia

Rates vary significantly based on your personal information and the car insurance company you choose. Make sure to get car insurance quotes from multiple companies before buying an auto policy. We aim to ensure you have a solid understanding of car insurance. Explore our comprehensive car insurance guide for essential insights. Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.