We find cheap car insurance in Georgia so that you can save more money.
If you are a driver in the Peach State, you'll want cheap Georgia car insurance with the best coverage. It’s wise to find ways to save money, so we want to help. We’ve already researched the best car insurance providers and found several we are fond of.
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
To start, we recommend that you get matched with the best quotes in your area by calling (855) 518-0148 or filling out the form below:
Now, we will look closer at these companies to see which ones offer the best Georgia car insurance.
In this article:
- 5 Best Georgia Car Insurance Providers
- Required Coverage Varies By State
- What Car Insurance Is Required In Georgia?
- What Is The Average Cost Of Georgia Car Insurance?
- Driving In Georgia
- How To Save Money On Georgia Car Insurance
- Georgia Car Insurance FAQ
5 Best Georgia Car Insurance Providers
Finding the best car insurance in Georgia requires looking at several factors. Sure, we all want to save money, but the cost can’t be the only factor. After all, you can go with the cheapest car insurance in Georgia, but will your claims be paid promptly?
That’s why we evaluate car insurance coverage by various factors. Looking at our top provider research will show which companies we find to be the best, but is it the same in Georgia? Let’s look closer at the data.
We will rank the top five options, based on our overall star rating, average cost, financial strength, J.D. Power Claims Servicing Score, and additional benefits.
Here is our breakdown of the top car insurance providers in Georgia.
|Best Georgia Car Insurance||Our Overall Rating||Customer Service Grade||Affordability||Coverage|
1. Georgia Farm Bureau
*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for auto insurance in Georgia.
#1 Georgia Farm Bureau
If you are strictly looking for cheap Georgia car insurance, Georgia Farm Bureau should be one of the providers to consider. The company rates at the top of the charts for the cheapest insurance rates in most areas. You can likely receive your lowest rates, even with an accident on your record or poor credit.
Among the liability and full coverage options, Georgia Farm Bureau also offers these benefits:
- Local insurance agents
- Accident forgiveness
- Multiple discounts for lower rates
- Roadside assistance
- Other plans for home, life, and farm
Georgia Farm Bureau also has an A+ Better Business Bureau (BBB) rating and minimal complaints. Among the company’s Google reviews, here are a few comments. The first is from a policyholder.
“Been using this Ga. Farm Bureau for 25 years for all my auto and home insurance. Mark Kesler and all the staff are always a pleasure to see and helpful when needed.”
-Larry Clark via Google
The second review comes from someone that doesn’t have coverage with Georgia Farm Bureau.
“I don't have this as my insurance. My car was totaled in an accident, this is the insurance the other person had. The accident happened on a Friday, on Monday I was talking to an agent, Tuesday the guy came to assess the damages, on Thursday we picked up a rental. The following Monday we picked up our settlement. Thank you for working fast on this.”
-Jeannine Dennis via Google
With the level of customer service provided, the available car insurance discounts, and the lower rates, it seems that Georgia Farm Bureau is a great option for most drivers in the state.
It should be noted that to get an insurance policy from Georgia Farm Bureau, you have to be a Farm Bureau member. You don't have to work in farming or agriculture, but you do have to purchase an annual $45 membership.
Farm Bureau membership requires an annual fee
Local insurance agents
#2 USAA Car Insurance
If you are in the military, are a veteran, or a family member, you might receive the best rate and service from USAA. This company is geared strictly to military personnel and their families, so not everyone will qualify for Georgia car coverage.
This company tends to top the customer satisfaction charts, including the study done by J.D. Power. Aside from standard car insurance policies, this provider also offers the following perks:
- Accident forgiveness
- Available discounts
- Identity theft coverage
- Personal insurance for home and other belongings
- Military uniform coverage
Furthermore, you can find low rates, even if you have a teen driver on your policy. Online, you will find a variety of reviews from policyholders. The majority of negative reviews seem to be about items that were not covered by the company, and USAA representatives always seem willing to respond promptly. Here is one review that praises the company.
“I have had all super amazing calls and contact with USAA, the rates for insurance are not always the best but the people and support are well worth it. Having had a claim before, it’s hard to tell others how great a company is until they have to deal with another company to see why USAA is AWESOME. They truly care about those who serve our country.”
-N.K. via Trustpilot
|Affordable rates and numerous discounts||Only available for military and their families|
|Good option for military members and young drivers|
|Superior financial rating from AM Best|
To learn more about the car insurance provider, check out our review of USAA car insurance.
#3 Geico Car Insurance
Geico Insurance is another company that we recommend for Georgia drivers. The insurance provider is the second-largest auto insurance company in the U.S. and is known for its affordability and smooth claims experience, providing auto insurance to millions of people.
Geico provides the six types of standard car insurance, as well as roadside assistance coverage for a small fee – Geico’s website says you can get it for as little as $14 per year. Compared to AAA’s cost of $50 to $100 per year, that’s a pretty good deal. Here’s what you get with Geico’s roadside assistance:
- Spare tire installation
- Towing to a repair shop
- Lockout services up to $100
We recommend Geico for Georgia auto insurance because of its many extras and discounts, allowing you to personalize your auto insurance to your needs. It is also one of the most affordable auto insurance companies, after USAA.
Geico has an A++ rating from AM Best for financial strength, an A+ rating from the BBB, and a score of 3.0 out of 5.0 from J.D. Power for claims servicing. The company also has plenty of five-star reviews online from happy customers.
|A+ rating from the BBB and A++ financial strength rating from AM Best||Average quotes experience|
|Many choices for coverage|
|High level of customer satisfaction|
|Available in 50 states|
To learn more about the car insurance provider, check out our review of Geico car insurance.
#4 Progressive Car Insurance
Progressive is one of the top auto insurers in the United States and wrote over $31 billion in insurance premiums in 2019, according to the National Association of Insurance Commissioners (NAIC). As far as the company’s financials go, AM Best reaffirmed its A+ rating for Progressive, which means it has superior financial ability to meet insurance claims. The company also received a J.D. Power Claims Servicing Score of 3.0 out of 5.0.
Progressive car insurance became the first insurance that people could purchase on the internet in 1997. The company was also the first to introduce a usage-based insurance option in 2008. As one of the largest insurance providers, the company offers a number of different coverage options. On top of the standards types of car insurance, Progressive also offers:
- Roadside assistance
- Loan/lease payoff
- Rental car reimbursement
- Custom parts and equipment value
- Rideshare coverage
Progressive also offers many money-saving features, including:
- Deductible savings banks
- Bundling home and auto insurance
- The Snapshot program
- The Name Your Price® tool
|One of the top auto insurers in the United States||Average claims process|
|A+ financial strength rating from the AM Best||Mixed customer service reviews|
|Great choice for high-risk drivers|
|Several money-saving features|
To learn more about the car insurance provider, check out our review of Progressive car insurance.
#5 Allstate Car Insurance
Now one of the largest publicly held personal property and casualty insurance companies in the United States, Allstate serves more than 16 million American households. But unlike some other national car insurance companies, Allstate car insurance works through a network of local agents to provide coverage.
Allstate has a Superior financial strength rating with AM Best and an A+ rating with the BBB. In addition to these basic types of coverage, Allstate auto insurance offers:
- Rideshare insurance
- Classic car insurance
- Travel insurance to and from Mexico
- Custom parts coverage
There are a number of ways to get discounted rates for your Allstate car insurance, including bundling with other policies like home insurance, renters insurance, motorcycle insurance, and more. Other discounts include:
- New car discounts for the first owners of a vehicle
- Multi-car and multiple-policy discounts for customers who bundle home and auto insurance policies
- Student discounts for drivers under 25
- Anti-lock brake and anti-theft discounts for equipped cars
- Early signing discounts for policyholders who sign early
- EZ pay plan discounts for policyholders who use Allstate’s automatic withdrawal feature
- Allstate eSmart® discounts for policyholders who go paperless
- FullPay® discounts for customers who pay their full premium at one time
- Safe driving discounts for policyholders who meet safe driver requirements
|Works through a network of local agents to provide coverage||Expensive|
|Superior financial strength rating by AM Best and A+ rating with the BBB||Mixed customer service reviews|
|Mileage-based discount program|
To learn more about the car insurance provider, check out our review of Allstate car insurance.
To collect and compare quotes from providers available in your state, use the tool below or call (855) 518-0148:
Required Coverage Varies By State
Did you know that the amount of insurance you are required to have is state-mandated? That’s why it is different from one state to the next. Before you look for coverage in any state, you must find out what is required of you.
According to the Insurance Information Institute (III), most states will require these car insurance liability coverages.
- Bodily injury liability: This plan covers the cost that comes with injuries or death from an accident that you cause.
- Property damage liability: With this plan, others receive reimbursement for the damage that you cause. This policy includes damage to a vehicle, building, and other property, such as a fence.
Several states will also require some of these coverages.
- Personal injury protection or medical payments: This plan provides reimbursement for any medical expenses needed for you or your occupants. It also covers lost wages.
- Uninsured motorist coverage: With this plan, you receive reimbursement when someone without car insurance causes the accident. It also covers you if your vehicle is damaged in a hit-and-run accident. On top of this plan, you can also opt for underinsured coverage, which picks up the cost after the inadequate plan of the offender runs out.
Some optional coverage includes these choices:
- Collision: With this plan, you receive reimbursement for any damage to your vehicle after a collision you caused.
- Comprehensive: This plan offers protection from theft and other damages. You are covered from hail, flood, vandalism, fire, falling trees, and other hazards with this option.
- Glass coverage: Many car policies offer a no- or low-deductible glass coverage plan for the windshield, rear window, side windows, and glass sunroofs.
What Car Insurance Is Required In Georgia?
The minimum required insurance in Georgia is outlined in the table below. It includes liability insurance, which pays for other people’s damage that is caused by you.
Bodily Injury Liability
$25,000 per person/$50,000 per accident
Property Damage Liability
$25,000 per accident
While $25,000 bodily injury per person and $50,000 bodily injury per crash are the state requirements to keep your car legal, it might not be enough coverage to protect you from additional liability. Furthermore, if you hit a luxury automobile worth more than $25,000 and it is deemed a total loss, you will be on the hook to cover the rest.
Whatever remaining balance for medical bills and property damage occurs because of an at-fault accident is your responsibility, no matter what your insurance covers. That’s why it’s often wise to choose higher coverage limits and additional protection.
Is Georgia A No-Fault State For Car Insurance?
Georgia is an at-fault state. This means that any time there is an accident, the driver who caused it is held liable for damages. The insurance company picks up the expense first, up until the policy reaches its limits.
Aside from that, Georgia also uses a variation of the law, known as proportional comparative fault. This law means each driver receives some percentage of the blame. As an example, Driver A failed to activate their turn signal when going right. As a result, Driver B rear-ended the vehicle, but it was speeding. Both of these drivers are going to be held partially liable for the accident.
What Is The Average Cost Of Georgia Car Insurance?
Compared to the national average, car insurance in Georgia can seem expensive. According to the NAIC, the cost of Georgia car insurance was $1,127.22 in 2017, while the national average was $1,004.68. Here’s a breakdown of the coverage costs that year based on data from the III:
|Type of Coverage||Average Annual Expenditure in 2017|
*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Georgia drivers actually spent on auto insurance in 2017.
Driving In Georgia
Outside of the major cities in Georgia, the state features a lot of rural areas without much congestion. In addition, Georgia has been hailed as the best in the country in terms of road quality. Here are a few other rankings the state received during a recent study.
|Classification||Place Out Of 50 States|
Best State To Drive In
Auto Maintenance Cost
Car Dealerships Per Capita
Average Gas Prices
Auto Repair Shops Per Capita
Share Of Rush Hour Traffic Congestion
How To Save Money On Georgia Car Insurance
We recommend that you receive several quotes for car insurance before making your decision. Then, you can compare the rates and plans to find the company that works for you. While you do this, consider some additional ways to save on car insurance in Georgia.
- Consider your vehicle: Some cars mean notoriously high insurance premiums, while some cars are downright cheap to insure. You should evaluate a vehicle before you buy it to see how it will affect your insurance premiums.
- Increase the deductible: Yes, you will have to pay more out of pocket during a claim, but the premiums go down significantly. Just make sure you have the savings to cover your chosen deductible.
- Evaluate coverage terms: If you have an older car that you don’t need full coverage for, go ahead and reduce the policy options and save some money. If you don’t have collision and comprehensive coverage, just make sure you have the financial backing to cover the loss.
- Increase your credit score: Rates go down for policyholders with good credit.
- Look for discounts: You can often secure a lower rate when you bundle plans, pay in advance, and maintain a clean driving record.
To help you find an insurance company that is right for you, call (855) 518-0148 or fill out this form:
Georgia Car Insurance FAQ
Where do I go for my driver’s license and permit?
In Georgia, the Department of Driver Services takes care of all driver’s licenses and permits. On the other hand, the Motor Vehicle Division of the GA Department of Revenue handles all registrations, titles, and license plates. To register your vehicle, you must have proof of insurance.
If I lend my car to a friend, does my auto insurance still cover the vehicle?
When you lend out your vehicle, your auto insurance typically covers the driver. It’s best to check with your insurance company to be certain.
I lease my car. Do I need gap insurance?
If you have an outstanding loan on your vehicle, or you are in a lease, you should consider gap insurance. Some financiers require the additional coverage. Gap pays the balance of your car loan if your vehicle is deemed a total loss, so you won’t have any financial liability.
If I move to Georgia, how long do I have to change my driver’s license?
Once you become a resident of Georgia, you have 30 days to change your driver’s license. You will also need to update your insurance information, which might affect your rate.
My older vehicle isn’t worth much. Do I still need full coverage?
If you can afford to replace the vehicle when it receives damage or becomes a total loss, it doesn’t always make sense for you to have full coverage. Just make sure you keep that money safe in case you need it.
What do I do if I can’t get Georgia car insurance?
If you are denied coverage, you might want to look into the Georgia Automobile Insurance Plan instead. It was specifically created to provide protection for those that can’t otherwise receive it.
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