Cheapest car insurance in Georgia for 2021

1

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

Part of the cost of owning a car is maintaining adequate car insurance. The average cost of car insurance in Georgia is $654 annually for minimum coverage or $2,000 for a full coverage policy, far greater than the national average. Premiums can quickly get more expensive if you are a first-time driver, have bad credit or have a busy claims history. Because of the dense population and traffic, insurance costs are on the higher side in this state. In 2017, Georgia ranked fourth in the nation with 1,540 traffic fatalities. Not only is insurance mandatory for the seven million licensed motorists, but teen drivers in the Peach State are also required by Joshua’s Law to undergo a graduated licensing program.

It is possible for Georgia drivers to find quality, affordable car insurance, though. We reviewed several insurance providers and compared customer service, premiums and overall quality to find several options that might fit your needs.

The cheapest car insurance in Georgia

Auto insurance is not cheap in Georgia, but it is possible to get a good deal through some insurers without sacrificing coverage. Out of all the insurance providers in Georgia, five companies stand apart from the rest, based on J.D. Power rankings, price and availability, coverage options and available discounts.

Car Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico $508 $1,711
State Farm $486 $1,375
Auto-Owners $532 $1,494
USAA $581 $1,506
Nationwide $585 $1,202

Geico

Geico offers plenty of local agents so you can enjoy personalized, one-on-one service while still having all of the benefits of a larger company. It rates highly for customer satisfaction from J.D. Power, while also earning top marks from Moody’s and Standard & Poor’s for financial strength.

Geico is also a great provider for discounts for military personnel, offering cheap insurance for Georgia’s many military communities, including Fort Stewart, Moody Air Force Base and Marine Corps Logistics Base Albany.

State Farm

State Farm is the largest insurance company in the U.S., making a name for itself with its State Farm Drive Safe and Save program. In addition to safe driving, you can save money on your car insurance premiums with vehicle safety and loyalty discounts each year. It’s easy to find a local State Farm agent for personalized help, but the company is known for its mobile tools, too.

There are the standard insurance options but State Farm also gives you the opportunity to add rental car insurance, rideshare insurance and emergency road service. You can also find coverage for classic cars and commercial vehicles.

Auto-Owners

Unlike Geico and State Farm, Auto-Owners is a regional insurance provider that only services 26 states. There is optional coverage for things like roadside assistance, new car replacement and rental car coverage, in addition to insurance for classic cars and modified vehicles.

If you use the TrueRide safe-driving app, you can save extra money with safe driving habits, but most of your interaction will be with your local agent since this company does not offer the extensive mobile tools that are available with its competitors.

USAA

USAA insurance remains a top-rated provider for cheap car insurance, winning top honors from J.D. Power year after year for customer satisfaction. You have to be a member of the military, a veteran or a member of a military family in order to join USAA, but if you qualify, there are competitive rates with excellent discounts for drivers in all 50 states.

Online quotes are only available if you are a member, but if you have to call in, USAA’s reps couldn’t be more helpful. Ask about accident forgiveness to see how that can help keep costs down when you have been accident-free for more than five years.

Nationwide

When basic insurance coverage isn’t enough, you can turn to Nationwide for valuable add-ons and perks. Not only do you get standard as well as collision and comprehensive coverages, but this provider also has various additional options, such as accident forgiveness, GAP insurance and the very economical pay-per-mile program, Smart Miles. Nationwide has a strong financial position, with an excellent AM Best score, and is typically about $800 cheaper than Georgia’s average for full coverage.

Like most major insurance providers, Nationwide has a bunch of discount programs. One not-so-common perk is the extraordinary life circumstances discount, wherein your annual premium might be reduced if you provide substantial proof that your income has been adversely affected by life events like illness, death, job loss or divorce. Customer support is accessible through the mobile app, website, toll-free number, or several local agents across the country.

Affordable coverage for Georgia drivers

You will quickly find that the car insurance rates by state vary significantly, and the best car insurance in Georgia depends heavily on where you live. For example, the best cheap car insurance in Atlanta may not be the same as that in Savannah, Augusta, Alpharetta or Marietta.

The state of Georgia requires drivers to maintain minimum liability insurance coverage in order to legally operate a vehicle:

  • $25,000 Bodily Injury Liability per person
  • $50,000 Bodily Injury Liability per accident
  • $25,000 Property Damage Liability per accident

You also have the option of rejecting the following state-recommended insurance coverage.

  • $25,000 Uninsured Motorist Bodily Injury per person
  • $50,000 Uninsured Motorist Bodily Injury per accident
  • $25,000 Uninsured Motorist Property Damage

Uninsured motorist property damage may come with a $250, $500, or $1000 deductible. However, it may be a good idea to purchase more than the mandatory minimum of liability insurance. This is because if you’re in an accident where you are determined to be at-fault you can end up being responsible for paying out-of-pocket for any expenses that are not covered by your insurance.

How to get cheap car insurance in Georgia

There are several companies that provide car insurance but not all will offer you the cheapest car insurance in Georgia. However, that does not mean getting affordable car insurance is impossible. Besides looking at car insurance for bad credit and car insurance for high-risk drivers, there are additional ways to get adequate coverage within your budget.

Shop around.

Since each insurance company uses a different formula to determine insurance premiums, it is always recommended that you shop quotes from multiple insurers to compare prices and coverage options.

Take advantage of discounts.

There are multiple discounts for your auto insurance premium that you can use to save money. Common discounts include low mileage, safety, claims-free history and paperless billing. There are loyalty discounts, such as multiple vehicles or if you bundle your homeowners insurance, renters insurance or life insurance with your auto insurance policy. You may also be able to earn extra discounts if you are a member of the military, a teacher or a student.

Work on your credit score.

Insurance providers will look at your credit score when determining how much to charge you for your insurance premium. Your payment history will let providers know how much of a risk you are to insure, so the lower your credit score, the more you can expect to pay on your annual premium. To improve your credit score, work on paying down your debt and making your payments on-time so you can receive a better rate on your auto insurance premium.

Increase your deductible.

Another way to lower the cost of your monthly premium is to increase your car insurance deductible. This means that you will need to pay more upfront if you are involved in an accident, but you’ll save a few bucks on your premium each month.

Frequently asked questions

What is the best car insurance in Georgia?

Using the latest rates, rankings and reviews, the best car insurance in Georgia comes from Alfa Insurance, Allstate, Georgia Farm Bureau, Geico and State Farm. However, be sure to shop your options because, based on your unique driver profile, you may qualify for cheaper car insurance with another provider.

What is the average cost of car insurance in the U.S.?

The average cost of car insurance in the U.S. is $565 for minimum coverage and $1,674 for full coverage. Actual rates will vary depending on the provider and multiple personal factors, such as the type of car, the policyholder’s credit rating and income and more.

Is car insurance cheap in Georgia?

Car insurance ranks as the 13th most expensive state for car insurance. While it is not the most expensive, it is certainly not the cheapest state for car insurance with the average policy costing several hundred dollars more than the average cost of auto insurance of $1,004.58 per year.

How do I get optimal coverage at an affordable cost?

Car insurance is an essential financial tool. To get the best policy for your needs, first look at the coverages offered by different insurers and then compare the cost and check for available discounts. To maximize value, it’s a good idea to speak with a licensed insurance agent before purchasing a policy.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

About the author


Cynthia Widmayer

Cynthia Widmayerl
Cynthia Widmayer has over two years of experience as an insurance and personal finance writer. She covers home, car and life insurance products for Bankrate, the Simple Dollar, and Coverage.com, among others.