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, but it can quickly get more expensive if you are a first-time driver, have bad credit or have a busy claims history. Teen drivers in the Peach State are required by Joshua’s Law to undergo a graduated licensing program, and all of Georgia’s more than 7 million drivers are required to carry auto insurance.
No matter your needs, there are certain insurance providers who offer cheap car insurance in Georgia. We regularly survey the state’s insurance providers for policy offerings, rates, availability and customer satisfaction to determine which insurance companies offer the cheapest car insurance providers in Georgia.
The cheapest car insurance in Georgia
The cheap car insurance companies for 2021 doesn’t necessarily offer the cheapest car insurance in Georgia, so we compare the latest rates and reviews to find the cheapest auto insurance providers specifically for Georgia drivers.
Geico, State Farm, Auto-Owners, Country Financial and USAA provide the cheapest car insurance in Georgia in 2021.
|Car Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
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 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.
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.
Country Financial is another regional provider, offering local agents across 19 states to help customize your auto insurance needs. With its occupation discount, you can save extra money on your premium if you are a teacher, firefighter, police officer, EMT or paramedic.
Collision and comprehensive coverage come with your choice of deductible up to $1,000 for a flexible and affordable approach to car insurance. There are also additional kinds of coverage to really personalize your policy, such as new car coverage, personal effects coverage, safety glass coverage and umbrella insurance.
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.
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. There are the traditional factors to consider, such as car insurance for bad credit and car insurance for high-risk drivers.
To find cheap car insurance in Georgia, there are also some tips you can use to find the best policy for your needs.
Each car insurance company uses a different formula to assess insurance premiums for each driver. It is always recommended that you shop quotes from multiple insurers to see how each company prices auto insurance for your needs. You may find that some companies offer specific coverage that’s missing from others or you may find a significant price difference between insurance companies that can save you a lot of money.
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 Georgia depends on the kind of coverage that you purchase. According to the Insurance Information Institute, a liability policy costs about $735.15 each year, with the average policy costing $1,127.22 each year. It is the 13th most expensive state for car insurance, beating out most states due to its frequent hurricanes, tropical storms and other weather-related events.
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.
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.