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If you are a driver in the Peach State, you probably want the best and cheapest car insurance in Georgia. 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.

To start, we recommend that you get matched with the best quotes in your area by filling out the form below:

 

In this article: 

Cheapest Car Insurance In Georgia

You have many options for car insurance in Georgia. According to our rate estimates, USAA is the cheapest provider of full coverage insurance for good drivers. On average, USAA policies cost $1,107 per year in Georgia. Nationwide, Auto-Owners, and Geico are also affordable options. 

Car Insurance Provider Average Annual Cost Estimate
USAA $1,107
Nationwide $1,256
Auto-Owners $1,279
Geico $1,352
Georgia Farm Bureau $1,393
Progressive $1,418
State Farm $1,599
 

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 $1,212 in 2018, while the national average was $1,057. Here’s a breakdown of the coverage costs that year based on data from the Insurance Information Institute (III):

Type of Coverage Average Annual Expenditure in 2018
Liability coverage $798
Collision coverage $408
Comprehensive coverage $176
Total cost $1,212
 

*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 2018.

Annual Georgia Car Insurance Estimates By Age

According to our rate estimates, a 24-year-old driver in Georgia may pay 43 percent more for full coverage insurance than a 35-year-old. 

Age Georgia Annual Car Insurance
24 $2,274
35 $1,587
 

Annual Georgia Car Insurance Estimates By Gender

In Georgia, women pay slightly more for car insurance than men. Our estimates say full coverage costs about two percent more for women. 

Gender Georgia Annual Car Insurance
Female $1,605
Male $1,569
 

Annual Georgia Car Insurance Estimates For Drivers With Bad Credit

Your credit score can affect prices for car insurance in Georgia. You may pay 19 percent more if you have a fair score or 63 percent more if you have a poor score.

Credit Rating Georgia Annual Car Insurance
Good $1,587
Fair $1,884
Poor $2,581
 

Annual Georgia Car Insurance Estimates For Bad Drivers

Your prices for car insurance in Georgia depend heavily on your driving record. A recent speeding ticket can raise them by 18 percent, an accident by 44 percent, and a DUI by 83 percent.

Driving Record Georgia Annual Car Insurance
Clean $1,587
Speeding Ticket $1,872
At-Fault Accident $2,289
DUI $2,878
 

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 Average Annual Cost

1. Georgia Farm Bureau

4.0 $1,393

2. USAA Car Insurance

5.0 $1,107

3. Geico Car Insurance

4.5 $1,352

4. Progressive Car Insurance

4.5 $1,418

5. Allstate Car Insurance

4.0 $2,133
 

*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

Georgia Farm Bureau offers affordable rates to many drivers in the state, even those with an accident or speeding ticket on their records.

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

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.

Pros Cons
Affordability

Farm Bureau membership requires an annual fee

Accident forgiveness

 

Local insurance agents

 

Multiple discounts

 

Roadside assistance

 
 

#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 on multiple studies 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

Pros Cons
Affordable rates and numerous discounts Only available for military and their families
Good option for military members  
Superior financial strength rating and A rating from the BBB  
 

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:

  • Jump-starts
  • 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. The company also has plenty of five-star reviews online from happy customers.

Pros Cons
Superior financial strength rating and A+ rating from the BBB Average quotes experience
Many choices for coverage Usage-based app not available in all states
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 $33 billion in insurance premiums in 2020, 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. 

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
Pros Cons
One of the top auto insurers in the United States Average claims process
Superior financial strength rating and A+ rating from the BBB Mixed customer service reviews
Great choice for high-risk drivers Higher rates than some competitors
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:

There are a number of ways to get discounted rates for your Allstate car insurance, including bundling with other policies like Allstate motorcycle insurance, home insurance, renters 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
Pros Cons

Works through a network of local agents

to provide coverage in 50 states

High premiums in some states

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:

 

Georgia Car Insurance Requirements

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.

Coverage Terms

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 To Know About 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

7th

Auto Maintenance Cost

7th

Car Dealerships Per Capita

14th

Average Gas Prices

17th

Auto Repair Shops Per Capita

19th

Share Of Rush Hour Traffic Congestion

30th 

 

Final Thoughts

While Georgia isn't the cheapest state for car insurance, there are a variety of affordable providers. We recommend checking out the Georgia Farm Bureau, USAA, and Geico for cheap car insurance in Georgia. 

To find the insurance company that is right for you, enter your zip code below:

 

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.


Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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