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Cheapest car insurance in Georgia in 2022

Updated Sep 30, 2022
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In Georgia, Geico has the cheapest average annual rate for minimum coverage of $491 per year. For full coverage, USAA has the cheapest rates in Georgia, costing $1,527 per year on average.  Comparatively, the average cost of full coverage car insurance in Georgia is $1,985 , and the average cost of minimum coverage car insurance for drivers is $630. While minimum coverage offers more affordable rates than full coverage, it will not provide as much financial protection if you are involved in an accident.

The cheapest car insurance companies in Georgia

To find the cheapest auto insurance companies in Georgia, Bankrate rate data for dozens of insurance companies from Quadrant Information Services. As part of our methodology, we compared rates for both minimum and full coverage. From there, we reviewed insurance carriers with strong financial strength ratings from AM Best and high customer satisfaction ratings from J.D. Power to include in our review of the best cheapest car insurance companies in Georgia for 2022.

The cheapest companies for minimum coverage in Geogia

Georgia’s car insurance laws require drivers to carry at least a minimum amount of liability coverage on their car insurance. Based on our findings, Geico and Nationwide had some of the cheapest minimum coverage rates in Georgia. However, keep in mind that for your situation, another provider may offer even better rates. For comparison, here are a few other average rates for cheap minimum coverage car insurance in Georgia:

CAR INSURANCE COMPANY AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM AVERAGE MONTHLY MINIMUM COVERAGE PREMIUM
Main Street America $304 $25
Preferred Mutual $577 $48
Progressive $695 $58
Utica National $695 $58
Erie $773 $64

The cheapest companies for full coverage in Georgia

For more financial protection, most insurance professionals recommend purchasing higher liability limits and adding coverage options for damage to your own vehicle, like comprehensive coverage and collision coverage and uninsured/underinsured motorist coverage. For drivers looking for affordable full coverage, USAA and Progressive offer cheap full coverage average rates. Here are how a few of the best insurance carriers in Georgia compare when it comes to average full coverage rates:

CAR INSURANCE COMPANY AVERAGE ANNUAL FULL COVERAGE PREMIUM AVERAGE MONTHLY FULL COVERAGE PREMIUM
USAA $1,527 $127
Progressive $1,708 $142
Nationwide $1,778 $148
State Farm $1,756 $146
Geico $1,814 $151

Events that can impact your 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.

  • Adding a teen driver: Teen drivers are some of the most expensive to insure because of their inexperience. 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 have a young driver on your policy and are looking to save, consider insurance companies that offer teen driver discounts, like a good student discount, to offset some of the premium increase.
  • Receiving a speeding ticket: Speeding is considered risky driving behavior because it can easily lead to an accident. In Georgia, the number of points a driver receives on their driving record 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.
  • Being involved in 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. 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.
  • 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 bad credit — may have a significant impact on your rates. 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.

Cheapest cities in Georgia for minimum coverage

Geographic location matters when it comes to car insurance, even within a specific state. In 2022, the average cost of car insurance across the state of Georgia is $630 per year for minimum coverage and $1,985  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 minimum coverage in Georgia:

City AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM AVERAGE MONTHLY MINIMUM COVERAGE PREMIUM
Fitzgerald $473 $39
Rebecca $474 $40
Adel $481 $40
Stockton $481 $40
Donalsonville $481 $40

Cheapest cities in Georgia for full coverage

When it comes to full coverage insurance, geographic location matters too. Cities and suburbs have unique traffic patterns, crime rates and accident statistics, as well as associated costs of labor and repair.

Based on our review of quoted annual premiums, the five cities below offer some of the cheapest auto insurance in Georgia for full coverage, on average:

City AVERAGE ANNUAL FULL COVERAGE PREMIUM AVERAGE MONTHLY FULL COVERAGE PREMIUM
Valdosta $1,651 $138
Hahira $1,653 $138
Lake Park $1,665 $139
Quitman $1,680 $140
Barney $1,689 $141

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 is to protect the other party involved in an at-fault accident, so it will not apply to you, your passengers or your vehicle. Georgia does not require drivers to purchase additional coverage options like comprehensive coverage, collision and medical payments, but having these included in your policy might better protect you financially 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. The state of Georgia does not require its 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.

Here is how to find (and keep) cheap car insurance in Georgia

Affordable car insurance is a priority for many drivers. There are a few simple steps you can take to keep your insurance rates manageable. To find and keep the cheapest car insurance in Georgia, here are some tips for your search:

  • Shop around with carriers. All insurance providers have their own methods for determining car insurance rates. For this reason, you may find that even when you request quotes for exactly the same coverage options and limits, each company may give you a different price. Requesting quotes from multiple insurance providers will help ensure you find the cheapest rates.
  • Maintain a clean driving record. Practicing safe driving habits and avoiding risky behaviors is one of the best ways to manage your car insurance premium over time. It signals to insurance companies that you are lower risk and helps you avoid expensive surcharges on your policy that come with events like accidents, tickets and DUIs. Some companies even provide savings opportunities to incentivize safe driving habits, such as telematics programs, which monitor your driving habits.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 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 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.

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Written by
Mandy Sleight
Insurance Contributor

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Insurance Editor