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Cheapest car insurance in Georgia in 2023

Updated Feb 02, 2023
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The cheapest car insurance companies in Georgia

If you’re shopping for cheap car insurance in Georgia, one of the best strategies is to get multiple quotes to compare rates. Based on our assessment of average 2023 rate data from Quadrant Information Services, these companies offer cheap Georgia car insurance:

Cheapest company for minimum coverage

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Auto-Owners $30 $358

Cheapest company for full coverage

Company Average monthly full coverage premium Average annual full coverage premium
Auto-Owners $107 $1,287

Cheapest company for adding a teen driver

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Nationwide $68 $819

Cheapest company for getting a speeding ticket

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Auto-Owners $34 $412

Cheapest company for getting a speeding ticket

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Auto-Owners $44 $531

Cheapest company after a high-risk incident

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Auto-Owners $67 $807

The cheapest car insurance companies in Georgia by coverage level

While shopping for cheap car insurance, Georgia drivers may want to consider how much coverage they need. Minimum coverage, which in Georgia is liability only, tends to be cheaper, but that’s because it provides far less coverage when compared to a full coverage policy. Depending on the coverage level you’re looking for, you may be able to find low-cost car insurance in Georgia from these insurers:

Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly minimum coverage premium
$30
Average annual minimum coverage premium
$358
Annual savings vs. state average*
- $281
Georgia Farm Bureau
Rating: 3.21 stars out of 5
3.2
Bankrate Score
Info
Average monthly minimum coverage premium
$42
Average annual minimum coverage premium
$502
Annual savings vs. state average*
- $137
Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
Average monthly minimum coverage premium
$42
Average annual minimum coverage premium
$508
Annual savings vs. state average*
- $131
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
Average monthly minimum coverage premium
$42
Average annual minimum coverage premium
$509
Annual savings vs. state average*
- $130
Encompass
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
Average monthly minimum coverage premium
$46
Average annual minimum coverage premium
$555
Annual savings vs. state average*
- $84
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*Based on policies with minimum coverage for 2023

Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly full coverage premium
$107
Average annual full coverage premium
$1,287
Annual savings vs. state average*
- $798
Esurance
Rating: 3.25 stars out of 5
3.3
Bankrate Score
Info
Average monthly full coverage premium
$142
Average annual full coverage premium
$1,700
Annual savings vs. state average*
- $385
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Average monthly full coverage premium
$142
Average annual full coverage premium
$1,706
Annual savings vs. state average*
- $379
Mercury
Rating: 3.23 stars out of 5
3.2
Bankrate Score
Info
Average monthly full coverage premium
$146
Average annual full coverage premium
$1,755
Annual savings vs. state average*
- $330
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly full coverage premium
$149
Average annual full coverage premium
$1,787
Annual savings vs. state average*
- $298
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*Based on policies with full coverage for 2023

Cheapest cities in Georgia for car insurance 

Geographic location matters when it comes to car insurance in most of the U.S., even within a specific state. In 2023, the average cost of car insurance across the state of Georgia is $639 per year for minimum coverage and $2,085 per year for full coverage. However, average rates vary among Georgia cities.

Although your individual rates may vary, below are the cheapest cities, on average, for both minimum and full coverage in Georgia. In each of these cities, our research found that Auto-Owners had the lowest average premium regardless of coverage level.

City City average annual minimum coverage premium Cheapest car insurance company Company average annual minimum coverage premium
Arlington $473 Auto-Owners $269
Rochelle $473 Auto-Owners $253
Bluffton $473 Auto-Owners $269
Sycamore $475 Auto-Owners $255
Ashburn $476 Auto-Owners $261
City City average annual full coverage premium Cheapest car insurance company Company average annual full coverage premium
Bonaire $1,913 Auto-Owners $1,214
Meridian $1,915 Auto-Owners $1,116
Folkston $1,917 Auto-Owners $1,050
Midway $1,919 Auto-Owners $1,199
Hinesville $1,919 Auto-Owners $1,175

Factors that impact cheap rates in Georgia

Car insurance rates can fluctuate from year to year, but some major life events could cause more sharp increases. Knowing what impacts your car insurance rate can help you determine what could potentially drive up your own rates or if it’s time to shop around for a cheaper policy.

Insuring a teen driver

Teen drivers are some of the most expensive to insure because of their inexperience behind the wheel, leading to a higher risk of accidents and losses. Insurance companies recognize that teens pose a higher risk compared to older drivers and typically charge higher rates to compensate for the risk. If you are adding a young driver to your car insurance policy and looking to save, consider insurance companies that offer teen driver discounts, like a good student discount, to offset some of the premium increase.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Nationwide $819 $2,695
Georgia Farm Bureau Insurance $994 $4,149
Auto-Owners $1,216 $3,578
Allstate $1,244 $6,076
USAA $1,311 $3,515

Getting a speeding ticket

Speeding is considered risky driving behavior because it can easily lead to an accident, and you’re likely to get a speeding ticket if you get caught. In Georgia, the number of points a driver receives on their driving record for a speeding ticket conviction depends on how fast they were driving compared to the speed limit. The points usually stay on a driver’s record for three years in Georgia, though this could depend on severity of the violation and the number of points accrued. Our research found that these companies have the lowest average rates for drivers with speeding tickets in Georgia:

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Auto-Owners $412 $1,429
Georgia Farm Bureau Insurance $551 $2,333
Nationwide $591 $2,111
Geico $598 $2,178
Encompass $645 $2,390

Getting into an at-fault accident

Drivers involved in an at-fault accident will typically see a considerable increase in their insurance rates, unless you have earned or purchased accident forgiveness with your insurance carrier for a first at-fault collision. The amount of premium increase will depend on a variety of factors, including the severity of the accident, location, total cost of repairs and whether or not alcohol or speeding was a factor. With at-fault accidents, your rate may be affected for three to five years, but as all companies rate at-fault accidents differently, you may find a company with lower rates by shopping around.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Auto-Owners $531 $1,741
Georgia Farm Bureau Insurance $551 $2,333
Nationwide $695 $2,049
Geico $711 $2,467
Encompass $732 $2,664

Being deemed a high-risk driver

A single incident is not likely to immediately label you as a high-risk driver, but a string of them — especially a DUI conviction in Georgia, multiple speeding tickets or having a poor credit-based insurance score — may have a significant impact on your rates. A DUI is one of the most severe driving infractions you can have on your motor vehicle record, and can lead to being labeled a high-risk driver.

High-risk drivers may have a more difficult time qualifying for traditional insurance companies and face higher rates, even when shopping around. In these situations, you could ask about any discounts you might be able to qualify for, drive a vehicle that’s cheaper to insure or explore companies that offer non-standard insurance.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Auto-Owners $807 $2,471
ACCC Insurance $870 $2,387
Mercury $939 $2,391
Progressive $978 $2,823
Allstate $981 $4,490

Minimum coverage requirements for Georgia drivers

Driving without insurance in Georgia carries major penalties. To be compliant with Georgia’s minimum liability requirements for car insurance, drivers must have at least:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

The purpose of liability insurance is to protect the other party involved in an at-fault accident, so it will not apply to you or your vehicle. Georgia does not require drivers to purchase additional coverage types like comprehensive coverage, collision and medical payments, but having these included in your policy might offer you more financial protection for damage to your own vehicle or immediate medical expenses that arise from an incident. 

Both comprehensive coverage and collision coverage may also be required if you have a loan on your vehicle or it is leased. Even though these coverage types add cost to your policy, they may help lower your out-of-pocket expenses after an accident. The state of Georgia does not require drivers to carry uninsured motorist coverage or underinsured motorist coverage, but you may want to consider purchasing these coverage types in the event that someone who is uninsured or does not have enough insurance hits your vehicle.

How to get the cheapest car insurance in Georgia

In addition to shopping around for cheap insurance, Georgia drivers may also get lower rates by taking advantage of car insurance discounts. Different companies offer different discounts, but if you’re wondering how to save on car insurance in Georgia, discounts may be an answer. Here are some common Georgia car insurance savings opportunities:

  • Young driver discounts: Insuring young drivers may be expensive, but car insurance companies often offer ways to offset some of the costs. When shopping for cheap auto insurance, Georgia drivers with teens may want to look for good student, driver training or student-at-school discounts.
  • Safe driver discounts: If you haven’t had an accident or ticket in a certain amount of time, you may automatically qualify for a safe driver or claims-free discount. You might consider enrolling in a telematics program as well, which rewards safe driving behaviors with a personalized discount.
  • Other discounts: There are several other ways to save on car insurance in Georgia, including bundling your auto and home policies with one company, signing up for paperless billing, paying in full or reducing the number of miles you drive.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean 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 coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes. 

Bankrate Scores

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

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Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Insurance Editor
Reviewed by Senior wealth manager, LourdMurray