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Best car insurance in Georgia for 2024

Updated Jun 01, 2024
Bankrate’s proprietary study reveals the best car insurance companies in Georgia.
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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.

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 $2,554 per year. The average annual minimum coverage premium in Georgia is $867. Using this information, along with our Bankrate Scores and third-party ratings like the 2023 J.D. Power Auto Insurance Study, we've determined that Geico, Auto-Owners, Progressive, State Farm and Nationwide may offer some of the best car insurance in Georgia.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$3,203
$794
4.4
Rating: 4.4 stars out of 5
$2,645
$958
4.3
Rating: 4.3 stars out of 5
$1,940
$604
4.3
Rating: 4.3 stars out of 5
$3,779
$1,303
4.0
Rating: 4 stars out of 5
N/A
N/A

Geico

Best for discounts

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$267/mo

Avg. full coverage premium

$3,203/yr

Customer satisfaction

828/1,000

Progressive

Best for accident forgiveness

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$220/mo

Avg. full coverage premium

$2,645/yr

Customer satisfaction

836/1,000

Auto-Owners

Best for customizable policies

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$162/mo

Avg. full coverage premium

$1,940/yr

Customer satisfaction

816/1,000

State Farm

Best for local agencies

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$315/mo

Avg. full coverage premium

$3,779/yr

Customer satisfaction

847/1,000

Nationwide

Best for telematics

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

834/1,000

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How Bankrate chose the best car insurance companies in Georgia

To find the best car insurance companies in Georgia, Bankrate analyzed 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.

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Why you can trust Bankrate

Read our full methodology

To help Georgia drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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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.

How to find the best car insurance in Georgia

Car insurance is required to legally drive in Georgia, but 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.

Related content:

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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.

How much is car insurance in Georgia?

Car insurance in Georgia is slightly more expensive than the national average. While the average cost of car insurance in the U.S. is $2,311 per year for full coverage, Georgia residents pay around $2,554 per year. When it comes to minimum coverage, Georgia residents pay $867 annually versus the national average of $640 per year.

Georgia's average premiums fall in the middle of the pack compared to surrounding states. For instance, South Carolina's average full coverage premium is $1,881 per year, which is 26 percent less than in Georgia. On the other hand, car insurance in Florida is much more expensive. Florida's average full coverage premium sits at $3,467 per year — 36 percent more than Georgia's. The reason for this could be that Georgia is further inland and therefore less at risk for catastrophic hurricane damage. Furthermore, personal injury protection (PIP) can be quite expensive and is a required coverage in Florida but not in Georgia.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Georgia

Knowing where to start when shopping for the best auto insurance in Georgia can be challenging. Bankrate has created an insurance cost calculator to make it easier to estimate how much your car insurance cost may be. Simply enter some basic information into the calculator and it will provide an estimate of what car insurance costs in your area. While it is not an exact quote from an insurance provider, it will give you a good idea of how much your car insurance rates could be. You can then use this estimate to compare auto insurance quotes from different companies to determine which offers the best deal for the coverages you need to protect you and your family.

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Get a quick estimate to make sure you're not overpaying.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in June 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 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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46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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 Senior Editor, Insurance
Reviewed by Senior wealth advisor at Versant Capital Management