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Cheapest car insurance in Georgia for 2024

Updated Oct 01, 2024
Bankrate’s analysis found that Mercury, Auto-Owners and Allstate offer some of the lowest rates for car insurance in Georgia.
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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.

The cheapest car insurance companies in Georgia

Car insurance in Georgia is just slightly more expensive than it is in the nation as a whole. Georgia drivers pay an average of $2,613 per year for full coverage and $887 per year for minimum coverage, whereas the national average annual rates are $2,388 and $664, respectively. If you’re shopping for cheap car insurance in Georgia, Bankrate’s insurance editorial team has done the work for you. 

Key takeaways

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Why you can trust Bankrate

Read our full methodology

By analyzing our proprietary data from Quadrant Information Services and using our combined 46 years of insurance expertise, we have compiled a list of Georgia’s cheapest car insurance companies for drivers with various needs and driving histories.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Cheapest car insurance companies in Georgia for minimum coverage

The cheapest car insurance in Georgia is generally the state-mandated minimum coverage, which provides the baseline coverage required to drive legally on public roads. It does not offer financial protection for your own car in an at-fault accident—you would need full coverage for that. In Georgia, the minimum coverage includes only liability insurance, which helps pay for damages and injuries to the other car and passengers in an at-fault accident.

The average annual cost of minimum coverage in Georgia is $887, but you may be able to find more affordable insurance by shopping around and asking for quotes from a range of insurers. The insurers listed below have the lowest average minimum coverage rates and may be a good place to start.

$49
$592
- $295
$52
$618
- $269
$57
$683
- $204
$65
$777
- $110
$68
$812
- $75

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

Liability insurance aims 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 vehicle or immediate medical expenses arising from an incident. The average cost of this minimum coverage level in Georgia is $887 per year.

Both comprehensive 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 out-of-pocket expenses after an accident. The state of Georgia does not require drivers to carry uninsured motorist coverage or underinsured motorist coverage. Still, 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.

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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.

Cheapest car insurance in Georgia for full coverage

If you have an auto loan, lease or a vehicle with a relatively high value, you will want to shop for full coverage insurance. Full coverage, which is composed of comprehensive and collision coverage in addition to liability insurance, provides coverage for damage to your own vehicle due to a covered claim. Again, Mercury averages the cheapest Georgia auto insurance rates for full coverage, but you may also find an affordable policy with one of the following providers:

$157
$1,881
- $732
$159
$1,903
- $710
$202
$2,419
- $194
$203
$2,442
- $171
$209
$2,509
- $104

Cheapest car insurance in Georgia for drivers with prior incidents

Not all accidents and moving violations are rated the same; it varies between insurance companies. For example, Georgia drivers with prior incidents may find lower insurance premiums with a provider specializing in high-risk drivers. If you have an accident or driving activity, comparing rates between insurance companies is paramount.

Cheapest car insurance companies in Georgia for drivers with a speeding ticket: Mercury

According to the Georgia Governor’s Office of Highway Safety, of the 1,797 traffic fatalities in 2022, 422 involved speeding. Due to the risky behavior behind receiving a speeding ticket, insurance companies impose surcharge points that stay on your policy generally for three years. Our research found Auto-Owners and the following companies have the lowest average rates for drivers with speeding tickets in Georgia:

$695
$2,153
$948
$3,252
$957
$3,182
$973
$3,880
$1,032
$3,032

Cheapest car insurance companies for drivers with an at-fault accident: Auto-Owners

If you are involved in an at-fault accident you will typically see a considerable increase in your insurance rates, unless you have earned or purchased accident forgiveness with your insurance carrier for a first at-fault collision. The premium increase will depend on various 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 all companies rate at-fault accidents differently. Bankrate’s analyses found that Auto-Owners and Encompass have the lowest average insurance rates for drivers with an at-fault accident. You can see other low-cost insurance companies listed below:

$967
$2,795
$1,088
$3,543
$1,149
$4,334
$1,164
$3,594
$1,303
$3,136

Cheapest car insurance companies for high-risk drivers: Mercury

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 with traditional insurance companies and face higher rates. 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.

$1,069
$2,963
$1,182
$3,740
$1,359
$3,720
$1,375
$3,326
$1,505
$4,531
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Keep in mind: An SR-22, also known as a Certificate of Financial Responsibility, proves to the state that a driver is maintaining a car insurance policy with limits meeting the state requirement. This form is usually required when a driver has committed a serious offense such as a DUI or caused an accident while driving uninsured. In some situations, courts can order drivers to obtain an SR-22A, a type of Georgia SR-22 requiring drivers to pay for their car insurance six months in advance. Your insurance agent will file the form on your behalf and will likely charge a filing fee.

Cheapest car insurance for young drivers in Georgia

In Georgia, age is a significant rating factor. Drivers under the age of 25 are often deemed “high-risk” due to their lack of driving experience. However, drivers approaching the age of 25 who keep a good driving record will see their insurance rates slowly decrease until they are moved into a standard risk pool. Since car insurance for young adults can be so expensive, it is crucial to compare rates among carriers and look for discounts.

Cheapest Georgia car insurance for insuring a teen driver: Allstate

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 than older drivers and typically charge higher rates to compensate for this 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.

$1,760
$3,984
$1,769
$4,944
$1,902
$5,042
$2,010
$5,149
$2,076
$5,135
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Bankrate’s take: It takes time to develop strong driving habits and young drivers are less able to avoid accidents, adjust for sudden weather changes and make responsible decisions. Insurance companies charge higher rates when assuming this risk. Since 16- and 17-year old drivers are too young to purchase insurance in their own name, they are typically added to their parent's policies. To give you an accurate depiction of insurance cost for young drivers, our analysis of rates for teen drivers is for 16-year-olds on their married parents’ policy.

Cheapest car insurance for teens with a ticket: Auto-Owners

Speeding is one of the leading causes of car accidents among teen drivers. According to NHTSA, 30 percent of all U.S. traffic fatalities in 2022 involved speeding drivers. Even without causing an accident, teen drivers with speeding tickets will see higher insurance rates since insurance companies must account for the higher risk. On average, Auto-Owners has the lowest car insurance rates for Georgia teens with speeding tickets on their driving history. Our rates reflect an 18-year-old on their own policy.

$2,585
$6,044
$2,586
$8,643
$2,657
$7,968
$2,848
$7,524
$3,600
$9,863

Cheapest car insurance for teens with an at-fault accident: Encompass

Inexperience with avoiding road hazards and making mature decisions causes teen drivers to have more accidents than any other age group. Not only does this increase the chance of an accident, it increases the severity of the outcome. In 2021, it was reported that about half of all teens involved in car fatalities were not wearing a seatbelt. Encompass averages the lowest rate for teens with at-fault accidents.

$2,801
$8,363
$2,821
$9,232
$3,005
$7,643
$3,597
$8,177
$3,929
$10,489
Lightbulb Icon

Bankrate’s take: Accident forgiveness is a benefit available with many insurance companies that waives the surcharge penalty the first time a driver has an accident. Some insurance companies automatically include accident forgiveness if a driver has been incident-free for a certain period of time — the industry standard is between three to five years. Other companies allow policyholders to purchase the benefit as an endorsement. Most insurance companies do not offer drivers under age 21 this option.

Cheapest car insurance for young drivers with a DUI: Allstate

Drunk driving is a red flag for most insurance companies. A new driver ticketed with a DUI will face steep insurance rates and can have their insurance policy canceled by their carrier. Drivers who can not secure insurance with a standard carrier due to a DUI may have better luck with an insurance company specializing in high-risk drivers. In Georgia, Allstate has the lowest average annual premium for 21-year-old drivers with a DUI.

$2,155
$5,950
$2,306
$6,315
$2,323
$6,298
$2,367
$7,933
$2,464
$7,724

Cheapest car insurance rates by city in Georgia

Geographic location impacts car insurance premiums, even within a specific state. In 2023, the average cost of car insurance across the state of Georgia is $887 per year for minimum coverage and $2,613 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. Our research found that Auto-Owners had the lowest average premium regardless of coverage level in each of these cities.

Cheapest cities in Georgia for car insurance

Sycamore
City average annual min coverage premium
$629
Cheapest car insurance carrier
Mercury
Company average annual premium
$370
Arlington
City average annual min coverage premium
$619
Cheapest car insurance carrier
Mercury
Company average annual premium
$346
Bluffton
City average annual min coverage premium
$619
Cheapest car insurance carrier
Mercury
Company average annual premium
$366
Ashburn
City average annual min coverage premium
$633
Cheapest car insurance carrier
Mercury
Company average annual premium
$384
Rochelle
City average annual min coverage premium
$639
Cheapest car insurance carrier
Mercury
Company average annual premium
$368

Cheapest car insurance in larger cities in Georgia

Augusta
City average annual min coverage premium
$801
Cheapest car insurance carrier
Mercury
Company average annual premium
$529
Columbus
City average annual min coverage premium
$826
Cheapest car insurance carrier
Mercury
Company average annual premium
$532
Atlanta
City average annual min coverage premium
$1,042
Cheapest car insurance carrier
Auto-Owners
Company average annual premium
$689
Savannah
City average annual min coverage premium
$912
Cheapest car insurance carrier
Auto-Owners
Company average annual premium
$591
Roswell
City average annual min coverage premium
$938
Cheapest car insurance carrier
Auto-Owners
Company average annual premium
$608

Car insurance discounts in Georgia

In addition to shopping around for cheap insurance, Georgia drivers may also get lower rates by taking advantage of car insurance discounts. Every company has a different set of discount opportunities. Some of them are easily earned and could significantly reduce your premium. 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 (often three to five years, but it depends on the company), 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

Clock Wait Icon
46
years of industry expertise
Search Icon
122
carriers reviewed
Location Icon
34.5K
ZIP codes examined
Dollar Coin Icon
1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all 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 for our base profile are based on the following characteristics and coverage levels:

User Icon
40 year old
Single male and female driver
Logo for Brand name
2022 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

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



Written by
Shannon Martin
Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Edited by Editor, Insurance
Reviewed by Senior wealth advisor at Versant Capital Management