If you’re one of the 7.1 million licensed drivers in Georgia, you have many car insurance options. Car insurance in Georgia is based on a number of factors, including your age, credit score, gender, marital status and zip code.
Georgia auto insurance rates vary year to year, so even if you’re happy with your current insurer, it’s worth taking a few minutes to get online quotes from other companies. You could save money or find a better fit for your needs.
Best car insurance companies in Georgia
When shopping for car insurance, cost is not the only thing to consider. A company’s ratings are also important, with J.D. Power scores showing a company’s average customer satisfaction area in a region. We also look to A.M. Best for financial stability scores, and we consider coverage options, discounts and availability.
|Provider||Average annual full coverage premium||J.D. Power customer satisfaction score|
|Georgia Farm Bureau||$1,908||892/1000|
Founded in 1946, Alfa Insurance is a well-rounded auto insurance option for Georgia residents. The company enjoys a positive financial strength rating of A (Excellent) from AM Best and offers auto policies with plenty of discounts.
As one of the best-known brands in insurance, Allstate offers Georgia drivers competitively priced auto insurance with plenty of digital tools to make things easy, such as a mobile app and a robust company website. Allstate also offers many discounts so drivers can score lower rates.
Georgia Farm Bureau
J.D. Power ranks Farm Bureau auto insurance as best in the region with top scores for customer satisfaction. This insurer offers low-cost auto coverage and discounts for safe driving, good grades, and bundling policies. You’ll need a Farm Bureau membership to qualify for a policy.
Rated above average in claims satisfaction by J.D. Power, Geico is one of the cheapest car insurers in Georgia. This insurer offers a wide range of discounts, as well as renters insurance and homeowners insurance. Geico has top-rated financial strength according to AM Best.
State Farm earns below average scores in customer satisfaction from J.D. Power. It offers the cheapest rates, and the customer service and policy offerings are highly rated. With the mobile app, its customers can do everything from file a claim to request roadside assistance.
Average car insurance cost in Georgia
Car insurance in Georgia is expensive, nearly $300 more than the average cost of car insurance in the country. While the national average cost of car insurance is $1,738 per year, residents pay $2,000 per year in Georgia for the same coverage.
|Average annual premium for minimum coverage in Georgia||Average annual premium for full coverage in Georgia|
How to get the best car insurance
The best and cheapest auto insurance in Georgia will not be the same for everyone. Car insurance is highly personalized to each driver, so you should consider these tips when searching for the best car insurance in Georgia for you:
- Evaluate your needs: The price of auto insurance is determined by many individual factors, such as the driver’s age, sex, location, driving history and vehicle. To find the right auto insurance policy at the best price, we recommend getting quotes from a few insurance companies so you can compare the policies to see which discounts you qualify for and which policy will provide the coverage you need to drive responsibly.
- Consider state factors: Liability insurance that pays for property damage and injuries to others if you cause a car crash is mandatory for Georgia drivers. The state’s minimum coverage amounts are 25/50/25, which means $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage per accident.
Car insurance discounts in Georgia
Not researching what types of Georgia auto insurance discounts are available is like leaving money on the table. Here’s a quick look at how you can save more.
|Discount||Alfa||Allstate||GA Farm Bureau||Geico||State Farm|
|Automatic payment/paperless billing||X|
|Defensive driving course||X||X||X||X|
|Low annual mileage||X|
|Occupational or organizations||X||X|
|Safe driver/accident free||X||X||X||X|
Frequently asked questions
What is the cheapest car insurance in Georgia?
The state’s minimum coverage is the cheapest way to go, but this coverage may not be enough to protect your assets if the accident you cause runs past the minimum $50,000 in bodily injury and $25,000 in property damage the state requires for liability insurance. You would have to cover the rest out of pocket, so it’s probably wise to pay for higher liability limits.
What are the Georgia auto insurance requirements?
Georgia is a 25/50/25 liability state. This means the minimum you need to be legally covered is liability insurance that covers $25,000 in bodily injury liability coverage per person and $50,000 bodily injury liability coverage per accident.
And $25,000 property damage liability coverage per accident.
What if I cause a crash in Georgia and the damages are higher than the coverage I have?
You would be responsible for the rest. If you have a job, savings and own a home or other assets, it’s a good idea to pay for higher liability insurance coverage. 100/300/100 ($100,000 bodily injury with a $300,000 max per crash and $100,000 property damage liability) or higher is the safest amount of coverage.
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 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 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.