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Best car insurance in Georgia for 2023

Updated Feb 06, 2023
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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 $2,085 per year. The average annual minimum coverage premium in Georgia is $639. 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 Geico, Auto-Owners, Progressive, State Farm and Nationwide may offer some of the best car insurance in Georgia.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Southeast region)
843
/1,000
Average monthly full coverage premium
$156
Average annual full coverage premium
$1,874
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast region)
871
/1,000
Average monthly full coverage premium
$107
Average annual full coverage premium
$1,287
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast region)
842
/1,000
Average monthly full coverage premium
$149
Average annual full coverage premium
$1,787
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast region)
855
/1,000
Average monthly full coverage premium
$157
Average annual full coverage premium
$1,878
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Southeast region)
850
/1,000
Average monthly full coverage premium
$152
Average annual full coverage premium
$1,819
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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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Southeast region)
843
/1,000
Average monthly minimum coverage premium
$42
Average annual minimum coverage premium
$508
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast region)
871
/1,000
Average monthly minimum coverage premium
$30
Average annual minimum coverage premium
$358
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast region)
842
/1,000
Average monthly minimum coverage premium
$56
Average annual minimum coverage premium
$677
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southeast region)
855
/1,000
Average monthly minimum coverage premium
$49
Average annual minimum coverage premium
$583
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Southeast region)
850
/1,000
Average monthly minimum coverage premium
$42
Average annual minimum coverage premium
$509
Powered by Coverage.com (NPN: 19966249)
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.

Best for discounts

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 843 AM Best: A++

Average annual premium

$ 1,874 for full coverage
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Why Geico made our list: Geico earned a 2023 Bankrate Award for best car insurance company overall, and it offers competitive average premiums for drivers in Georgia. Additionally, Geico’s long list of potential discounts could lower the company’s already lower-than-average rates. You might save for having certain safety features on your vehicle, being a federal employee, a member of the military community, a good driver, signing up for telematics or taking a defensive driving course. Additionally, tech-savvy drivers may find Geico’s full-service mobile app and online policy portal handy for policy changes while on the go. 

Who Geico may be good for: Geico could be ideal for Georgia drivers looking for cheap car insurance with further savings opportunities through discounts. 

Read full Geico Insurance review

Best for customizable policies

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 871 AM Best: A++

Average annual premium

$ 1,287 for full coverage
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Answer a few questions to see personalized rates from top carriers.

Why Auto-Owners made our list: Out of all the companies that offer auto insurance in Georgia, Auto-Owners could offer the most options for coverage add-ons, including diminished value, gap insurance and additional expenses. Georgia drivers looking for the most robust coverage packages may be especially interested in Auto-Owners’ Personal Automobile Plus Package, which includes more than 10 extra coverage types to round out your policy, including cell phone protection and identity theft insurance. The company also boasts generally low average premiums in Georgia. 

Who Auto-Owners may be good for: Auto-Owners could be best for drivers looking for some of the cheapest car insurance rates in Georgia without sacrificing coverage options. 

Read full Auto-Owners Insurance review

Best for accident forgiveness

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 842 AM Best: A+

Average annual premium

$ 1,787 for full coverage
Get a quote

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

Why Progressive made our list: Progressive offers not one but three accident forgiveness options for their policyholders, one of which comes standard for most new Progressive customers. In addition to accident forgiveness options, Progressive offers a highly-rated set of online tools and a wide array of products, such as homeowners, renters, life, motorcycle and RV insurance. Best of all, some of these products may provide you with a bundling discount when held alongside an auto policy.

Who Progressive may be good for: Drivers looking for accident forgiveness at no additional charge and those who prefer to hold multiple policies with the same insurance company might find that Progressive offers the best Georgia auto insurance.

Read full Progressive Insurance review

Best for local agencies

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 855 AM Best: A++

Average annual premium

$ 1,878 for full coverage
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Answer a few questions to see personalized rates from top carriers.

Why State Farm made our list: Whether you like to do business in person or online, State Farm has options for you. State Farm has one of the largest networks of local offices out of all the car insurance companies in Georgia while still providing a highly-rated mobile app and policy portal. Additionally, State Farm earned the 2023 Bankrate Award for best auto insurance for high-risk drivers due to the company’s lower-than-average rates for drivers with an incident on their records. If you’re looking to improve your driving habits, you might find State Farm’s telematics program Drive Safe and Save as positive reinforcement. 

Who State Farm may be good for: Drivers who like to do business in a brick-and-mortar agency might find State Farm appealing due to the company's large network of local agents in Georgia. 

Read full State Farm Insurance review

Best for telematics

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: 850 AM Best: A+

Average annual premium

$ 1,819 for full coverage
Get a quote

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

Why Nationwide made our list: Aside from offering competitive car insurance in GA, Nationwide has two telematics programs, SmartRide and SmartMiles. Drivers who prove safe driving habits after plugging a device into their vehicle may earn a discount with SmartRide. Customers who drive less than average may save through the company’s usage-based insurance program SmartRide. Additionally, you might find coverage options with Nationwide not found with other companies, such as vanishing deductible and gap insurance. 

Who Nationwide may be good for:  Nationwide could be an excellent choice for policyholders who generally drive safely and would like a discount for doing so through Nationwide’s SmartRide telematics program. This company may also be ideal for those who drive very little, due to the company’s usage-based insurance program SmartMiles. 

Read full Nationwide Insurance review

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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 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.

How much is car insurance in Georgia?

Car insurance in Georgia is close to par with the national average, albeit slightly more expensive. While the national average cost of car insurance is $2,014 per year for full coverage, Georgia residents pay around $2,085 per year. Minimum coverage is slightly more than average, too, at $639 annually for Georgia residents and $622 per year, on average, in the U.S. overall

While Georgia's average premiums may be slightly 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 36 percent higher than South Carolina's average of $1,532 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 $3,183 per year, making it 53 percent higher than Georgia's. Georgia’s car insurance premiums are likely lower than Florida’s since Georgia is further inland and, in turn, a lower risk for catastrophic hurricane damage. Furthermore, personal injury protection (PIP) is a required coverage in Florida but not in Georgia, and PIP coverage in Florida is generally expensive.

Average annual premium for minimum coverage in Georgia Average annual premium for full coverage in Georgia
$639 $2,085

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. 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

Because your finance company or lessor has a financial interest in your vehicle, your finance or leasing company will typically require you 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.

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 Senior wealth manager, LourdMurray