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 $33 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	$33	A++	Cheap Rates	Geico
	#2	$39	A++	Military Benefits	USAA
	#3	$59	A+++	Many Discounts	State Farm
	#4	$60	A++	Coverage Options	Travelers
	#5	$63	A+	Loyalty Programs	Progressive
	#6	$68	A	Claims Service	American Family
	#7	$82	A	Safe Drivers	Farmers
	#8	$83	A+	Multi-Policy Savings	Nationwide
	#9	$144	A+	Customized Policies	Allstate
	#10	$106	A	Affinity Discounts	Liberty Mutual

This comprehensive analysis examines Georgia's minimum coverage requirements of $25,000/$50,000/$25,000, compares rates across demographics, and explores senior discounts that can lower costs.

What You Should Know

• Geico offers the best and cheapest car insurance in Georgia, starts at $33/month
• Find tailored insurance solutions for military families and seniors in Georgia
• Compare quotes to secure the best and cheapest car insurance in Georgia

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.

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
	$90	$224
	$68	$168
	$82	$203
	$33	$83
	$144	$359
	$83	$207
	$63	$156
	$59	$146
	$60	$149
	$39	$97

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.

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
	$98	$209
	$147	$200
	$293	$308
	$106	$132
	$418	$467
	$270	$356
	$269	$301
	$113	$148
	$267	$372
	$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
	$83
	$62
	$77
	$48
	$115
	$84
	$68
	$52
	$51
	$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
	$65	$65
	$48	$49
	$59	$59
	$25	$24
	$96	$104
	$58	$60
	$50	$45
	$42	$42
	$43	$43
	$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.

Georgia Accidents & Claims by City

This table displays the annual accident and claims data across major cities in Georgia, helping drivers understand risk factors that influence insurance premiums. Higher accident rates and claim frequencies in certain areas directly impact insurance costs, as companies adjust pricing based on local risk patterns. Understanding these statistics can help Georgia residents make informed decisions about coverage needs and expect appropriate premium ranges for their location.

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

Georgia Accidents & Claims per Year by City | City | Accidents per Year | Claims per Year | | :--------: | :--------: | :--------: | |Albany|3,800|3,300| |Alpharetta|4,600|4,000| |Athens|6,400|5,600| |Atlanta|48,000|42,000| |Augusta|9,500|8,200| |Columbus|8,300|7,400| |Johns Creek|4,100|3,600| |Macon|7,800|6,900| |Marietta|5,700|5,000| |Roswell|4,800|4,200| |Sandy Springs|5,200|4,600| |Savannah|10,200|9,100| |Smyrna|3,400|2,900| |Valdosta|3,200|2,700| |Warner Robins|4,500|3,900|

Understanding the types of claims and their associated costs helps drivers make informed decisions about coverage levels and deductibles in Georgia.

Georgia Insurance Claims by Type and Cost | Claim Type | Portion of Claims | Cost per Claim | | :--------: | :--------: | :--------: | |Collision Damage|30%|$4500| |Property Damage Liability|25%|$3200| |Comprehensive Damage|20%|$2800| |Personal Injury|15%|$15000| |Uninsured Motorist|10%|$8500|

As shown in the data, Atlanta leads with the highest accident volume at 48,000 incidents annually, followed by Savannah with 10,200 accidents per year. Smaller cities like Smyrna and Valdosta report significantly fewer accidents, which often translates to lower insurance premiums for residents. These statistics demonstrate why location plays a crucial role in determining car insurance rates across Georgia.

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?"

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.

Insurance Company	Available Discount
	Multi-Policy Discount, Safe Driving Discount, New Car Discount, Early Signing Discount
	Multi-Policy Discount, Defensive Driving Course Discount, Loyalty Discount, New Vehicle Discount
	Multi-Policy Discount, Good Student Discount, Home Safety Discount, Signal Discount
	Multi-Vehicle Discount, Defensive Driving Discount, Federal Employee Discount, Military Discount
	Multi-Policy Discount, Safe Driver Discount, Newly Purchased Home Discount, Early Shopper Discount
	Multi-Policy Discount, Accident-Free Discount, Anti-Theft Discount, Family Plan Discount
	Multi-Policy Discount, Snapshot Discount, Homeowner Discount, Continuous Insurance Discount
	Multi-Line Discount, Drive Safe & Save Program Discount, Home Alert Protection Discount, Steer Clear Discount
	Multi-Policy Discount, Safe Driver Discount, Hybrid/Electric Vehicle Discount, Continuous Insurance Discount
	Multi-Policy Discount, Safe Driver Discount, Defensive Driving Course Discount, Annual Mileage Discount

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.

#1 – Geico: Top Overall Pick

Pros

• Lowest Rates: Geico's $33 monthly premium is $6 less than USAA and $26 below State Farm.
• Superior Financial Strength: A++ rating from A.M. Best indicates superior ability to meet policyholder obligations.
• Federal Employee Discount: Up to 15% discount for federal employees plus military discount options.

Cons

• Limited Gap Coverage: No loan/lease payoff coverage option available compared to comprehensive competitors like State Farm.
• Customer Service: Based on our Geico customer reviews, 23% report below-average service satisfaction.

#2 – USAA: Best for Military Benefits

Pros

• Military Deployment Discount: Up to 60% discount on comprehensive and collision coverage during deployment.
• Outstanding Financial Stability: A++ rating with 97% claims satisfaction rate according to customer data.
• Storage Protection: Covers stored vehicles with comprehensive coverage at reduced rates during deployment.

Cons

• Eligibility Restrictions: Only available to 1.3 million military families, excluding 99% of Georgia drivers.
• Limited Agent Network: Fewer than 50 physical locations nationwide compared to State Farm's 19,000+ agents.

#3 – State Farm: Best for Many Discounts

Pros

• Drive Safe & Save: Up to 30% discount through telematics program tracking safe driving habits.
• Exceptional Financial Rating: A+++ rating represents highest financial strength category from A.M. Best.
• Steer Clear Program: Teen drivers can earn up to 15% discount completing safe driving course.

Cons

• Higher Collision Deductibles: $500 minimum collision deductible compared to Geico's $250 option availability.
• Multi-Line Discount: Based on our State Farm customer reviews, bundling saves only 5-17% versus competitors' 25%.

#4 – Travelers: Best for Coverage Options

Pros

• IntelliDrive Program: Usage-based insurance can reduce premiums up to 30% based on driving behavior.
• New Car Replacement: Covers full replacement cost for vehicles less than one year old or 15,000 miles.
• Accident Forgiveness: Our Travelers customer reviews show forgiveness prevents rate increases after first at-fault accident.

Cons

• Higher Comprehensive Deductibles: $500 minimum comprehensive deductible versus Geico's $100 option.
• Complex Umbrella Requirements: Requires $250,000/$500,000 underlying liability limits for umbrella policy eligibility.

#5 – Progressive: Best for Loyalty Programs

Pros

• Snapshot Discount: Our Progressive customer reviews show drivers save average 16% through usage-based monitoring.
• Name Your Price Tool: Allows drivers to set budget and adjust coverage limits accordingly.
• Pet Injury Coverage: Up to $1,000 coverage for pet injuries in vehicle accidents.

Cons

• Rate Increases After Claims: Average 23% premium increase after first at-fault accident claim.
• Limited Rental Coverage: Maximum $30 daily rental reimbursement compared to competitors' $40-50 options.

#6 – American Family: Best for Claims Service

Pros

• 24/7 Claims Reporting: Our American Family customer reviews show 89% satisfaction with round-the-clock claim filing.
• Dream Car Bonus: Covers up to 120% of actual cash value for total loss vehicles.
• Diminishing Deductible: $50 annual deductible reduction for claim-free years, reaching $0 after 10 years.

Cons

• Higher Uninsured Motorist Costs: $68 monthly rate is $35 above Geico for same coverage limits.
• Geographic Limitations: Not available in 31 states, limiting mobility for relocating military families.

#7 – Farmers: Best for Safe Drivers

Pros

• Signal Discount: Our Farmers customer reviews show up to 25% savings through app-based driving monitoring.
• Equipment Coverage: Up to $1,500 for custom equipment and modifications coverage.
• Rideshare Coverage: Gap coverage between personal and commercial rideshare insurance while driving.

Cons

• High Glass Deductibles: $100 minimum windshield replacement deductible compared to Geico's $0 option.
• Limited Medical Payments: Maximum $5,000 medical payments coverage versus competitors' $10,000+ options.

#8 – Nationwide: Best for Multi-Policy Savings

Pros

• Multi-Policy Bundle: Our Nationwide customer reviews show up to 25% savings combining auto and home insurance.
• Vanishing Deductible: $100 annual collision deductible reduction for accident-free driving.
• SmartRide Program: Defensive driving course provides up to 10% discount for completing program.

Cons

• Limited Gap Coverage: Maximum 25% above actual cash value versus competitors' unlimited gap protection.
• Higher Personal Injury Protection: $83 monthly includes only $2,500 PIP compared to $10,000 industry standard.

#9 – Allstate: Best for Customized Policies

Pros

• Milewise Program: Pay-per-mile insurance charges $0.05-0.10 per mile for low-mileage drivers under 10,000 annual miles.
• Accident Forgiveness Plus: Our Allstate customer reviews show forgiveness for multiple accidents after five claim-free years.
• Sound Thinking Discount: Up to 25% off for drivers 50+ completing defensive driving course.

Cons

• Premium Costs: $144 monthly rate is $111 higher than Geico for equivalent coverage limits.
• High Collision Deductibles: $1,000 standard collision deductible versus competitors' $500 standard options.

#10 – Liberty Mutual: Best for Affinity Discounts

Pros

• Group Savings Plus: Our Liberty Mutual customer reviews show up to 12% discount through employer and alumni associations.
• New Car Replacement: Covers 120% of purchase price for vehicles less than one year old.
• RightTrack Program: Usage-based insurance providing up to 30% discount for safe driving habits.

Cons

• Premium Costs: $106 monthly rate is $73 higher than Geico for same 25/50/25 coverage limits.
• Limited Personal Property: Maximum $200 personal property coverage versus competitors' $1,000+ options.

Our Top Picks for Georgia Drivers

Geico, USAA, and State Farm stand out as the best and cheapest car insurance in Georgia due to Geico's industry-leading $33 monthly rates, USAA's exclusive military benefits and competitive $39 pricing, and State Farm's extensive bundling discounts with an exceptional A+++ financial rating.

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.