Best Car Insurance in Georgia 2020

Fact-checked with HomeInsurance.com

3 min read
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If you’re one of the 7.1 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. You could save money or find a better fit for your needs.

The top car insurance in Georgia

Alfa Insurance

Founded in 1946, Alfa Insurance is a well-rounded auto insurance option for Georgians. The company enjoys a positive financial strength rating of A from AM Best and offers auto policies with plenty of discounts.

Allstate

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.

Geico

Rated with a three out of five 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 and auto insurance. Geico has top-rated financial strength according to AM Best.

State Farm

The company earned a three out of five in customer satisfaction from J.D. Power. It may not offer the cheapest rates, but the customer service and policy offerings are highly rated. With the mobile app, State Farm customers can do everything from file a claim to request roadside assistance.

Looking to save money on auto insurance?
Looking to save money on auto insurance?

Looking to save money on auto insurance?

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Average cost of car insurance in Georgia

The average annual cost of car insurance in Georgia is $1,127.22, according to the Insurance Information Institute. Georgia ranks 13th in the nation for most expensive auto insurance, which means driving insured in the Peach State will cost you more than in many other places around the U.S.

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.

Finding the right cheap car insurance in Georgia for you

The best and cheapest auto insurance in Georgia will not be the same for everyone. 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. With a few quotes, you can compare the policies to see which discounts you qualify for and which policy will provide the coverage you need to drive responsibly.

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:

Alfa Insurance Allstate Geico Georgia Farmers Bureau State Farm
Anti-theft equipment x x x
Automatic payments x
Hybrid and alternative fuel cars
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

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.