The cheapest car insurance in Georgia costs $127 per month for a full coverage policy from Auto-Owners. That’s a $37 savings from the average cost of insurance in the state, which is $164 a month.
“Drivers looking to get the cheapest insurance premiums in Georgia should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Georgia including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Among the companies analyzed by CarInsurance.com, Auto-Owners stands out as the cheapest option for full coverage car insurance in Georgia, with an insurance premium of $127 per month.
- Drivers in Georgia with a clean record pay 43% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Georgia is Moody AFB, with an annual premium of $1,514 .
- Georgia drivers can save up to 23% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Car insurance companies with cheap car insurance in Georgia
Auto-Owners offers the cheapest car insurance rates in Georgia for a full coverage policy with an average premium of $127 per month or around $1,529 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Georgia.
Cheapest car insurance rates in Georgia per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Auto-Owners | $127 |
| Progressive | $138 |
| Central Insurance | $142 |
| Country Financial | $157 |
| Allstate | $168 |
| Geico | $173 |
| Mercury Insurance | $185 |
| State Farm | $195 |
| Safeway Insurance | $234 |
| USAA* | $130 |
Note: USAA is only available to military community members and their families.
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Who pays the lowest auto insurance premiums in Georgia?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 11% less than single drivers.
- Georgia drivers with clean records pay 43% less than drivers who have a DUI on their record.
- Georgia drivers in their 20s pay 58% lower rates for insurance than a 16-year-old in Georgia.
- Adding a teen to your policy will cost you 70% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 17% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest insurers for different coverage levels in Georgia
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Auto-Owners is the cheapest for a state minimum policy.
- Auto-Owners has the cheapest rates for a liability-only policy (50/100/50).
- Auto-Owners offers the cheapest car insurance for a full coverage policy (100/300/100) in Georgia.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Georgia
In Georgia, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists Georgia’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State Minimum Annual Rates |
|---|---|
| Auto-Owners | $368 |
| Country Financial | $421 |
| Central Insurance | $458 |
| Geico | $471 |
| Progressive | $552 |
| Mercury Insurance | $667 |
| Allstate | $686 |
| State Farm | $746 |
| Safeway Insurance | $987 |
| USAA* | $537 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Georgia
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
In the table below, see the average annual rates from Georgia’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Auto-Owners | $497 |
| Central Insurance | $631 |
| Progressive | $745 |
| Geico | $754 |
| Country Financial | $819 |
| Mercury Insurance | $835 |
| Allstate | $837 |
| State Farm | $975 |
| Safeway Insurance | $1,159 |
| USAA* | $698 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Georgia
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The table below shows the average annual rates from major insurance providers in Georgia, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Auto-Owners | $1,529 |
| Progressive | $1,656 |
| Central Insurance | $1,706 |
| Country Financial | $1,880 |
| Allstate | $2,014 |
| Geico | $2,072 |
| Mercury Insurance | $2,219 |
| State Farm | $2,344 |
| Safeway Insurance | $2,812 |
| USAA* | $1,562 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Georgia by driving history
Your driving history impacts insurance premiums in Georgia, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Georgia, drivers with a history of such violations typically pay $809 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in Georgia
If you’ve got a speeding ticket on your Georgia driving record and need affordable car insurance, Auto-Owners might be the answer. With an average annual rate of $1,549 , Auto-Owners offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Georgia.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Auto-Owners | $1,292 | $1,549 | 20% | $257 |
| State Farm | $1,756 | $1,913 | 9% | $157 |
| Nationwide | $1,371 | $2,020 | 47% | $649 |
| Progressive | $1,710 | $2,306 | 35% | $596 |
| Allstate | $2,065 | $2,347 | 14% | $282 |
| Geico | $1,461 | $2,498 | 71% | $1,037 |
| Mercury Insurance | $2,092 | $2,959 | 41% | $868 |
| USAA* | $1,198 | $1,479 | 23% | $281 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Georgia after a DUI conviction
State Farm offers the cheapest car insurance to Georgia drivers with a DUI conviction at $1,913 per year and Auto-Owners has the second-cheapest insurance premiums at $2,497 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 43% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,756 | $1,913 | 9% | $157 |
| Auto-Owners | $1,292 | $2,497 | 93% | $1,206 |
| Progressive | $1,710 | $2,718 | 59% | $1,008 |
| Allstate | $2,065 | $2,800 | 36% | $735 |
| Nationwide | $1,371 | $2,818 | 106% | $1,447 |
| Mercury Insurance | $2,092 | $2,854 | 36% | $762 |
| Geico | $1,461 | $4,889 | 235% | $3,427 |
| USAA* | $1,198 | $2,412 | 101% | $1,214 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Georgia after an at-fault accident
Auto-Owners is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,754 .
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,070 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Auto-Owners | $1,292 | $1,754 | 36% | $463 |
| State Farm | $1,756 | $2,070 | 18% | $313 |
| Nationwide | $1,371 | $2,272 | 66% | $901 |
| Geico | $1,461 | $2,475 | 69% | $1,014 |
| Progressive | $1,710 | $3,134 | 83% | $1,424 |
| Allstate | $2,065 | $3,142 | 52% | $1,077 |
| Mercury Insurance | $2,092 | $3,956 | 89% | $1,865 |
| USAA* | $1,198 | $1,802 | 50% | $605 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Georgia cities with the lowest auto insurance rates
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
Moody AFB is the city with the lowest premiums in Georgia at an annual auto insurance rate of $1,514 .
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
The table below shows a list of cities in Georgia with the most affordable car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Moody AFB | $1,514 |
| Valdosta | $1,519 |
| Naylor | $1,543 |
| Hahira | $1,544 |
| Lake Park | $1,555 |
| Folkston | $1,601 |
| Darien | $1,605 |
| Quitman | $1,616 |
| Hoboken | $1,617 |
| Nahunta | $1,619 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Georgia
Shopping around for car insurance quotes in Georgia can help drivers save 23% annually on full coverage policies.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Georgia: Save on premiums
Georgia drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Georgia.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $18 |
| Anti-theft device | 1% | $26 |
| Daily commute | 7% | $129 |
| Days advanced purchase | 5% | $96 |
| Days per week driven | 4% | $80 |
| Electronic funds transfer | 4% | $94 |
| Electronic signature | 1% | $34 |
| Homeowner | 7% | $156 |
| Lower annual mileage | 14% | $334 |
| Loyalty – years renewal with company | 16% | $319 |
| Marital status | 11% | $257 |
| Multi policy | 9% | $193 |
| Paperless/electornic documents | 3% | $69 |
| Payment type | 12% | $245 |
| Primary use | 10% | $192 |
| Safety devices | 4% | $83 |
| Telematics | 10% | $191 |
| Years insured | 16% | $554 |
| Years licensed | 25% | $1,032 |
Final thoughts on cheap car insurance in Georgia
Our research shows that Auto-Owners has the cheapest full coverage car insurance rates in Georgia for individuals with a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Georgia, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Georgia for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Georgia