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Best and cheapest car insurance in Georgia

according to customers

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#1
/ 42
USAA
4.73 ★★★★★
4586 reviews
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#2
/ 42
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Excellent
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#3
/ 42
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Excellent
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#4
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Excellent
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#5
/ 42
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#6
/ 42
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#7
/ 42
The Hartford
4.15 ★★★★★
461 reviews
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#8
/ 42
AAA
4.13 ★★★★★
2235 reviews
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#9
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GEICO
4.11 ★★★★★
16931 reviews
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#10
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Alfa Insurance
4.10 ★★★★★
208 reviews
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#11
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#12
/ 42
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#13
/ 42
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#14
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Excellent
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#15
/ 42
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#16
/ 42
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#17
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#18
/ 42
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#19
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Nationwide
4.04 ★★★★★
2063 reviews
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#20
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MetLife, Inc.
4.02 ★★★★★
547 reviews
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#21
/ 42
Allstate
4.01 ★★★★★
7161 reviews
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#22
/ 42
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#23
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Esurance, Inc.
4.00 ★★★★★
1335 reviews
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#24
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#25
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#26
/ 42
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Excellent
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#27
/ 42
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Excellent
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#28
/ 42
Dairyland
3.83 ★★★★★
164 reviews
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#29
/ 42
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Excellent
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#30
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Excellent
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#31
/ 42
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Excellent
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#32
/ 42
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Excellent
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#33
/ 42
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Excellent
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#34
/ 42
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Excellent
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#35
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#36
/ 42
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#37
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Root Insurance
2.92 ★★★★★
342 reviews
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#38
/ 42
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#39
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#40
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Excellent
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#41
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#42
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Good2Go
1.93 ★★★★★
56 reviews
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Best auto insurance in Georgia

It can be tough to try to figure out which car insurance company is the right fit for you. When choosing your Georgia car insurance, you want to be sure you’re picking a company that puts its policyholders first. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Georgia. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Georgia car insurance companies.

In the table above, you can sort through all the Georgia car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Georgia car insurance rankings.

Interested in learning more about one of these Georgia car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the best teen car insurance rates in Georgia?

Georgia Farm Bureau has the cheapest average car insurance rates for teens in Georgia among the five largest auto insurers in the state.

In the table below you can see average car insurance rates for teens in Georgia from the five largest car insurance companies in the state by market share

Company Female teen rates Male teen rates
Allstate Insurance $1,608 $1,948
Georgia Farm Bureau Insurance $737 $1,355
Progressive $3,217 $3,613
State Farm Insurance Company $1,562 $1,830
USAA $1,477 $1,692

These rates are based on profiles for 18-year-old male and female drivers in Alabama. 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.

Who offers the best car insurance rates for a married couple in Georgia?

USAA, which is only available to military members and their families, has the cheapest average auto insurance rates in Georgia. Allstate has the second cheapest among the top five companies by market share in Georgia.

In the table below, you can see the average car insurance rates for a married couple in Georgia. The rates included in the table are for the five largest companies in Georgia by market share.

Company Married couple rates
Allstate Insurance $1,989
Georgia Farm Bureau Insurance $2,119
Progressive $2,523
State Farm Insurance Company $2,202
USAA $1,783

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.

Who offers the best senior car insurance rates in Georgia?

USAA's car insurance rates for senior drivers in Georgia are the cheapest in the state for the five companies looked at. USAA is only available to military members and their families. If you're not eligible for USAA, the next cheapest company for Georgia seniors is State Farm.

Check out the table below to see how the other four biggest car insurance companies in Georgia compare.

Company Female senior rates Male senior rates
Allstate Insurance $1,718 $1,718
Georgia Farm Bureau Insurance $1,043 $1,043
Progressive $1,168 $1,225
State Farm Insurance Company $1,040 $1,040
USAA $871 $884

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.

10 Cheapest areas in Georgia for auto insurance

Car insurance rates in Georgia vary significantly based on cities and neighborhoods because things like crime rate and car insurance claim frequency vary by area. The area of Moody Air Force Base is the cheapest area, on average. In the table below, you can see the top 10 cheapest areas in Georgia for car insurance based on average rates for single adults.

Area Car insurance rates
Moody Air Force Base $1,376
Hahira $1,391
Valdosta $1,395
Barney $1,424
Morven $1,424
Lake Park $1,424
St. Marys $1,424
Quitman $1,426
Kings Bay $1,432
Ray City $1,436

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.

10 Most expensive areas in Georgia for auto insurance

The most expensive area in Georgia for car insurance is Clarkston. Car insurance rates in Georgia vary significantly based on the area you live in. The table below displays the top 10 most expensive areas in Georgia for car insurance based on average rates for a single adult.

Area Car insurance rates
Clarkston $2,210
Lithonia $2,206
Stone Mountain $2,182
Ellenwood $2,172
Pine Lake $2,146
Conley $2,133
Union City $2,130
Decatur $2,111
Scottdale $2,100
Riverdale $2,074

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.

Minimum auto insurance coverage and limits in Georgia

Georgia requires drivers to obtain bodily injury and 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.

Georgia state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

Bodily injury liability 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.

Georgia’s uninsured motorist percentage

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. Twelve percent of Georgia’s drivers are uninsured, according to 2015 data from the Insurance Information Institute That’s the 25th highest in the United States.

How car insurance rates are calculated in Georgia

When searching and comparing quotes from the best auto 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:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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. 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, the drivers simply 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, though of course the at-fault driver may see a larger increase.

How to save money on your 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 companies. 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.

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
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Georgia

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

Finally, there is also a confidence factor based upon the number of reviews a company has by product. If the total number of reviews is less than 100, then a confidence deduction is applied to the star rating. The maximum impact of this deduction occurs when there are less than 25 reviews. Companies with 100 or more reviews, aged two years or less, receive 100% weighting (no deduction), while companies with 50 to 99 customer reviews receive a weighting of .95%, 25 to 49 reviews receive a weighting of .90% and companies with less than 25 reviews a weighting of .85%.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.