Best and Cheapest Car Insurance in Georgia (10 Most Affordable Companies in 2024)
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 |
|---|---|---|---|---|---|
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#1 | $24 | A++ | Cheap Rates | Geico |
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#2 | $29 | A++ | Military Benefits | USAA |
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#3 | $43 | B | Many Discounts | State Farm |
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#4 | $44 | A++ | Coverage Options | Travelers |
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#5 | $46 | A+ | Loyalty Programs | Progressive |
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#6 | $50 | A | Claims Service | American Family |
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#7 | $60 | A | Safe Drivers | Farmers |
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#8 | $61 | A+ | Multi-Policy Savings | Nationwide |
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#9 | $66 | A+ | Customized Policies | Allstate |
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#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
On this page:
- Best teen car insurance rates in Georgia
- Best car insurance rates for a married couple in Georgia
- Best senior car insurance rates in Georgia
- 10 Cheapest areas in Georgia for auto insurance
- 10 Most expensive areas in Georgia for auto insurance
- Minimum car insurance coverage and limits in Georgia
- Georgia’s uninsured motorists percentage
#1 – Geico: Top Overall Pick
Pros
- Cheap Rates: Geico offers some of the lowest rates making it an affordable option and as the best and cheapest car insurance in Georgia.
- A.M. Best Rating: Geico has an A++ rating, indicating a superior ability to meet ongoing insurance obligations.
- Discount Opportunities: Geico provides a wide range of discounts, including good driver, multi-vehicle, and federal employee discounts.
Cons
- Limited Coverage Options: Geico’s coverage options may not be as comprehensive as some other providers.
- Customer Service: Some customers report mixed experiences with Geico’s customer service. 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
- Military Benefits: USAA offers specialized benefits and discounts for military members and their families in Georgia.
- Superior Financial Strength: With an A++ rating, USAA is highly reliable in terms of financial stability.
- Excellent Customer Service: According to our USAA customer ratings, USAA is known for its top-notch customer service, particularly for military personnel.
Cons
- Eligibility Restrictions: USAA insurance is only available to military members, veterans, and their families.
- Limited Availability: USAA’s services and discounts might not be as accessible to the general public compared to other insurers.
#3 – State Farm: Best for Many Discounts
Pros
- Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: Our analysis of State Farm insurance customer reviews reveals that State Farm provides a substantial discount for low-mileage usage.
- Wide Coverage: State Farm offers various coverage options tailored for different needs.
Cons
- Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums in Georgia might still be relatively higher for certain coverage levels.
#4 – Travelers: Best for Coverage Options
Pros
- Comprehensive Coverage Options: Travelers offers a wide range of coverage options, allowing customers to customize their policies.
- A.M. Best Rating: Our Travelers Companies, Inc. customer reviews indicates Travelers is known for its financial stability with an A++ rating.
- Discount Opportunities: Travelers provides multiple discounts, including multi-policy and safe driver discounts in Georgia.
Cons
- Higher Rates: Travelers’ monthly rates are higher compared to some other providers.
- Complexity in Claims: Some customers report that the claims process with Travelers can be more complex than expected.
#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.
- Usage-Based Insurance: Progressive’s Snapshot program allows drivers to potentially lower their premiums based on driving habits.
- Wide Range of Discounts: Progressive provides a variety of discounts, including multi-policy and safe driver discounts.
Cons
- Customer Service: Some customers have reported mixed experiences with Progressive’s customer service.
- Premium Increases: Premiums may increase significantly after the first term, particularly for new customers.
#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.
- Customizable Policies: Offers a range of policy options in Georgia to suit individual needs.
- Financial Strength: American Family has an A rating from A.M. Best, indicating good financial stability.
Cons
- Higher Rates: American Family’s rates can be higher compared to some competitors.
- Limited Availability: May not be available in all areas, restricting access for some customers.
#7 – Farmers: Best for Safe Drivers
Pros
- Safe Driver Discounts: The results of our Farmers insurance customer reviews suggests Farmers offers substantial discounts for safe drivers.
- Comprehensive Coverage Options: Provides a wide range of coverage options, including unique add-ons.
- Financial Strength: With an A rating, Farmers is financially stable and reliable.
Cons
- Higher Premiums: Farmers’ monthly premiums are higher compared to many other providers.
- Mixed Customer Service Reviews: Some customers have reported less satisfactory experiences with Farmers’ customer service.
#8 – Nationwide: Best for Multi-Policy Savings
Pros
- Multi-Policy Discounts: Our assessment of Nationwide customer reviews illustrates Nationwide offers significant savings when bundling multiple policies.
- Financial Strength: With an A+ rating, Nationwide is financially strong and dependable.
- Vanishing Deductible: Nationwide’s vanishing deductible program rewards drivers with lower deductibles for safe driving.
Cons
- Premium Costs: Nationwide’s premiums in Georgia can be higher compared to some other providers.
- Limited Availability of Discounts: Some discounts might not be as widely available as with other insurers.
#9 – Allstate: Best for Customized Policies
Pros
- Customizable Coverage: Allstate offers a variety of customization options to tailor policies to individual needs.
- Financial Strength: Based on our Allstate customer reviews, Allstate has an A+ rating, indicating strong financial stability.
- Discount Opportunities: Provides numerous discount options, including new car, multi-policy, and safe driver discounts.
Cons
- Higher Rates: Allstate’s premiums can be higher than some other providers.
- Mixed Customer Service: Customer service experiences with Allstate can vary, with some negative reports.
#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.
- Customizable Policies: Provides a range of coverage options to meet different needs.
- Financial Stability: Liberty Mutual has an A rating, indicating good financial strength.
Cons
- High Premiums: Liberty Mutual’s premiums are among the highest compared to other providers.
- Customer Service: Some customers have reported dissatisfaction with Liberty Mutual’s customer service experiences.
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.
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.Bottom Line: 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.
Frequently Asked Questions
Who offers the best teen car insurance rates in Georgia?
Allstate has the cheapest average car insurance rates for teens in Georgia among the ten largest auto insurers in the state.
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 ten companies by market share in Georgia.
Who offers the best senior car insurance rates in Georgia?
Geico's car insurance rates for senior drivers in Georgia are the cheapest in the state for the ten companies looked at.
How much is car insurance per month in Georgia?
Average car insurance rates in Georgia are approximately $57 monthly for minimum coverage and $164 monthly for full coverage.
Why is Georgia car insurance so expensive?
The more hazardous the highways, the higher the car insurance rates tend to be. Georgia ranked fourth in the nation for fatal auto accidents.
What is basic car insurance in Georgia?
In compliance with Georgia law, all drivers must carry the minimum required auto insurance coverage for their vehicles. This includes bodily injury liability coverage of $25,000 per person and $50,000 per accident, as well as property damage liability coverage of $25,000 per accident. These amounts are equivalent to approximately $46 per month for bodily injury liability and $42 per month for property damage liability, rounded to the nearest whole number.
What age does car insurance go down in Georgia?
There isn't a fixed age at which car insurance rates begin to decrease. However, according to the Insurance Information Institute (III), insurance companies generally charge higher premiums for drivers under 25 years old.
Is car insurance cheaper in Georgia than Florida?
In comparing car insurance costs between Florida and Georgia, the average rates differ significantly. Generally, auto insurance in Georgia is more affordable than in Florida. Specifically, the typical monthly car insurance rate in Georgia is approximately $30 less than Florida's average.
What type of car insurance is the cheapest?
Generally, fully comprehensive insurance tends to be the most affordable option, although individual circumstances can affect pricing.
What is the lowest form of car insurance?
Liability insurance tends to be the most affordable car insurance option because it solely covers expenses related to bodily injuries and property damage for another party in the event you're responsible for an accident. It doesn't include coverage for damages to your own vehicle or expenses related to your own injuries.
Which category of car insurance is best?
Covering a wide range of risks including theft, damage, and third-party liability, comprehensive insurance offers peace of mind for drivers.
How to save money on car insurance in Georgia?
By putting in some effort, Georgia consumers have opportunities to save money. It's beneficial to compare prices. Loyalty may not always lead to savings. The type of vehicle driven can make a difference. Driving safely and within speed limits is important. Credit scores have an impact. Reviewing your current policy carefully is advisable. Life changes can create chances to save. Look for good value wherever possible.
Is Georgia a no fault insurance state?
Georgia does not operate under a no-fault system for auto insurance claims. This means that to receive compensation from an auto insurance company for your damaged vehicle, medical expenses, or other losses due to an accident, you must establish which driver was responsible for the collision.