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Best car insurance in Georgia for 2022

Updated Dec 02, 2022
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Bankrate’s insurance-licensed editorial team has almost 50 years of combined industry experience, so we understand that when it comes to car insurance, the definition of “best” may be different for everyone. Although many people are in search of cheap premiums, others may prioritize outstanding customer service or policy customization. With this in mind, we conducted an in-depth investigation of major carriers, analyzing not only average premiums but also customer satisfaction, financial strength and discounts. Our study found that State Farm, Geico and Progressive may offer the best car insurance in Georgia.

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Key takeaways
  • Car insurance in Georgia is typically more expensive than the national average. A full coverage policy is 13 percent higher, on average, than the national average cost.
  • Based on our research, Atlanta is one of the most expensive cities in Georgia for car insurance. Atlanta's average full coverage premium is $2,215.
  • According to our extensive study, you may find the best auto insurance in Georgia by shopping with State Farm, Geico and Progressive.

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How Bankrate chose the best car insurance companies in Georgia

To find the best car insurance companies in Georgia, Bankrate used rate data provided by Quadrant Information Services to find the cheapest insurance providers. To help narrow our search, we looked to third-party ratings, coverage offerings, discount availability, mobile accessibility and more. Using this information, we issued each company a Bankrate Score that ranges from 0.0 to 5.0, with 5.0 being the best possible rating. Our holistic Bankrate Scoring model aims to provide drivers with a comprehensive view of Georgia auto insurance.

Best car insurance companies in Georgia

According to proprietary rate data provided by Quadrant Information Services, the average premium for full coverage car insurance in Georgia is $2,009 per year. The average annual minimum coverage premium in Georgia is $642. Using this information, along with our Bankrate Scores and third-party ratings like the J.D. Power 2022 Auto Insurance Study, we've determined that State Farm, Geico and Progressive may offer some of the best car insurance in Georgia.

State Farm
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
855
/1,000
Average annual full coverage premium
$1,756
Average annual minimum coverage premium
$562
Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
843
/1,000
Average annual full coverage premium
$1,814
Average annual minimum coverage premium
$491
Progressive
Rating: 4.1 stars out of 5
4.1
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
842
/1,000
Average annual full coverage premium
$1,708
Average annual minimum coverage premium
$663
Auto-Owners
Rating: 4.5 stars out of 5
4.5
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
871
/1,000
Average annual full coverage premium
$1,224
Average annual minimum coverage premium
$345
Allstate
Rating: 4 stars out of 5
4.0
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
833
/1,000
Average annual full coverage premium
$3,160
Average annual minimum coverage premium
$659
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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.

BEST CAR INSURANCE COMPANY FOR LOCAL AGENCIES

J.D. Power:
855 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 562
Avg annual premium for full coverage:
$ 1,756
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

BEST CAR INSURANCE COMPANY FOR DISCOUNTS

J.D. Power:
843 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 491
Avg annual premium for full coverage:
$ 1,814
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

BEST CAR INSURANCE COMPANY FOR ACCIDENT FORGIVENESS

J.D. Power:
842 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 663
Avg annual premium for full coverage:
$ 1,708
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

BEST CAR INSURANCE COMPANY FOR CUSTOMIZABLE POLICIES

J.D. Power:
871 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 345
Avg annual premium for full coverage:
$ 1,224
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

BEST CAR INSURANCE COMPANY FOR DIGITAL TOOLS

J.D. Power:
833 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 659
Avg annual premium for full coverage:
$ 3,160
Get a personalized quote

Get quotesAnswer a few questions to see personalized rates from top carriers.

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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.

Average car insurance cost in Georgia

Car insurance in Georgia is relatively expensive, with an average full coverage premium that is more than $300 higher per year compared to the annual national average cost of car insurance. While the national average cost of full coverage car insurance is $1,771 per year, Georgia residents pay $2,009 per year for the same coverage. Minimum coverage is similarly more expensive, at $642 annually for Georgia residents and $545 per year, on average, in the U.S.

While Georgia's average premiums may be more than the national average, it falls in the middle of the pack compared to nearby states. For instance, Georgia's average full coverage premium is 37 percent higher than South Carolina's average of $1,464 per year. On the other hand, car insurance in Florida is much more expensive than in Georgia. Florida's average full coverage premium sits at $2,762 per year, making it 37 percent higher than Georgia's.

Average annual premium for minimum coverage in Georgia Average annual premium for full coverage in Georgia
$642 $2,009

How to find the best car insurance in Georgia

Finding the best car insurance rates in each state doesn’t have to be complicated. In fact, you can take a few simple steps before you even start shopping. These steps might save you time and help you find the right company and coverage types for you.

Consider minimum insurance requirements in Georgia

Georgia car insurance laws require you to carry at least a minimum level of auto insurance. As a licensed driver in the Peach State, you must carry at least the minimum required levels of bodily injury liability coverage and property damage liability coverage. Minimum coverage generally costs less than buying higher limits or full coverage, but it may not provide you with enough financial protection to pay for the costs of an at-fault accident.

If you cause injuries or damages that exceed your coverage limits, you will be responsible for the overage out of pocket. Most insurance professionals advise that you purchase higher liability limits if you can afford them.

Consider lender requirements

If you have a loan or lease on your vehicle, you typically will be required to carry full coverage. What is full coverage car insurance? Full coverage means that you have comprehensive and collision coverage on your policy. If you lease your vehicle, your lessor might also require you to carry at least a certain level of liability coverage as well. Additionally, you may want to consider gap insurance. Gap coverage is designed to pay the difference between your new vehicle’s actual value and the outstanding loan or lease amount owed if your car is totaled or stolen and nonrecoverable.

Consider your individual needs

Everyone has a unique situation that they bring to their auto insurance search. Maybe you need car insurance for teen drivers, so you’re looking for a company with cheap rates for inexperienced drivers and young driver discounts. Or perhaps you’ve had a few accidents or a DUI conviction and need high-risk auto insurance. Understanding your individual circumstances and deciding what coverage types, discounts and policy features you are looking for may help you choose which companies to get quotes from.

Car insurance discounts in Georgia

Although Georgia’s auto insurance prices are higher than the national average, you still have ways to potentially lower your premium and effectively find the cheapest car insurance in Georgia. If you’re wondering how to lower your car insurance, discounts are one of the easiest ways to save. Most major insurance companies offer at least a few discounts. Some of the best car insurance discounts in Georgia are:

  • Young driver discounts: If you have a teen driver on your policy, you may be eligible for several discounts. If your teen is a full-time student and maintains good grades, you might qualify for a good student discount. Other common young driver discounts include savings for students who go to college without a vehicle and teens who take a certified driver training course.
  • Safe driver discounts: If you have a clean driving record, you might qualify for a safe driver discount. Additionally, having certain safety features on your car, like anti-lock brakes, an alarm system, forward collision warning or side curtain airbags might earn you a car insurance discount.
  • Other discounts: If you own a home or condo, or even if you rent your current home, you may get a multi-policy discount if you insure your property with the same company as your auto insurance. This is called “bundling.” The benefits of bundling your home and auto insurance could be significant. Also, many companies will offer a policy discount if you are able to pay your entire premium in full, rather than in monthly or quarterly installments.

Discounts may be one of the easiest ways to save on your auto insurance. Each company offers a different suite of discounts, so researching savings opportunities online or talking to a representative from your current company may help you to identify ways to save.

Frequently asked questions

Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute