georgia car insurance

Dan Reynolds Photography/Getty Images

If you’re one of the 6.6 million licensed drivers in Georgia, you have many auto insurance options. 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. Doing so could save you money. You’ll need your vehicle registration number and driver’s license info to get started.

Best cheap car insurance in Georgia

Check out these companies for the best Georgia auto insurance rates with the highest customer satisfaction ratings, according to J.D. Power:

  • Georgia Farm Bureau – Winner of the J.D. Power customer satisfaction award for Georgia with a score of 5 out of 5.
  • State Farm The company earned a 4 out of 5 in customer satisfaction from J.D. Power. They may not offer the cheapest rates, but their customer service and policy offerings are highly rated.
  • Geico Rated with a 3 out of 5 by Georgia customers, Geico is one of the cheapest car insurers in Georgia. 
  • Safeco With an overall customer satisfaction rating of 3 out of 5, Safeco offers cheap Georgia auto insurance rates.
  • Nationwide The company has a 3 out of 5 rating and a claim center that’s available 24 hours a day so you can keep track of your insurance claims.

Finding the right cheap car insurance in Georgia for you

Taking a few minutes to shop for quotes from the top Georgia auto insurance companies might reveal how you can save money compared to your current policy.

Cheapest auto insurance for good drivers

Good drivers with a clean record have the easiest time finding the cheapest Georgia auto insurance rates. Georgia Farm Bureau and State Farm have the cheapest premiums for good drivers with good credit.

Cheapest auto insurance for students

Nationwide Insurance has a solid lineup of coverage for students and families that allow for shared discounts. For example, if a household member is eligible for a good student discount, all policy members will also receive the discount.

Cheapest auto insurance for people with low credit

Your credit score shows an insurance company how likely it is you’ll pay your bills on time. But a low credit score doesn’t mean you’re uninsurable. You can get insured by companies like Georgia Farm Bureau, the cheapest Georgia auto insurance company for a driver with a low credit score.

Cheapest auto insurance for people with accidents

Geico is the nation’s second-largest auto insurer and offers affordable Georgia automobile insurance rates. They also have a big selection of discounts for all driving record histories.

Average car insurance cost in Georgia

Georgia auto insurance rates are low compared to other states. It ranks 14th in average car insurance expenditures ($897) in an Insurance Information Institute study. The Zebra breaks down average car insurance costs by driver type further:

Average insurance cost for state minimum insurance requirement Average cost for drivers with low credit Average cost for drivers with accidents or a poor driving record
$548/year $2,457/year as high as $2,242/year

Auto 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:

GEICO Georgia Farmers Bureau Nationwide Safeco State Farm
Anti-Theft
Equipment
x x x x
Automatic Payments x x
Hybrid and
Alternative Fuel Cars
x
Good Driving
History
x x x x x
Good Student x x x x x
Multi-Policy x x x x x
Vehicle Safety
Equipment
x x x x x

State minimum insurance requirements in Georgia

Liability insurance that pays for property damage and injuries to others if you cause a car crash is mandatory.

The state’s minimum coverage amounts are 25/50/25:

  • $25,000 bodily injury liability coverage per person and $50,000 bodily injury liability coverage per accident.
  • $25,000 property damage liability coverage per accident.

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.