Best car insurance in Georgia for 2025

To find the best car insurance companies in Georgia, we developed a proprietary Bankrate Score system that takes several metrics into account. Our insurance editorial team analyzed average car insurance premiums from Quadrant Information Services and reviewed coverage options, discounts, policy features, customer satisfaction scores from J.D. Power and financial strength ratings from AM Best. We also looked at accessibility and ease of use for policy management through online and mobile resources.

Insurance companies are graded on a weighted scale of 5.0 points, with a score closer to 5.0 indicating strong performance across these categories. If you are shopping for the best auto insurance in Georgia, our research might help you find a carrier that fits your needs.

While finding the cheapest car insurance is a common goal for most drivers, it’s just as important to choose a company that can meet your needs beyond price. Do you need a carrier that specializes in discounts for teen drivers or offers multi-line discounts? Or maybe you prefer a company with 24/7 claims and customer service. 

Another thing to consider is the type of coverage you require. Drivers with a lease or loan typically need full coverage insurance, which includes comprehensive and collision coverage.  Leasing companies can also require drivers to have higher liability limits and gap coverage, both of which can increase your premium. 

The quality of customer service can really make a difference when it's time to make policy changes or file a claim. By reviewing data from a consumer rating agency, like J.D. Power, you can discover how carriers rank in terms of service. Another useful tool is the National Association of Insurance Commissioners (NAIC) Complaint Index report, which shows how often customers file complaints compared to competitors.

Checking ratings from agencies like AM Best or Standard & Poor’s, which gauge a company's historical ability to pay claims, can clue you in to how financially sound a carrier is. These tools are free to consumers and can help find a carrier that strikes the right balance.

While many auto insurers offer similar coverage options and discounts, your customer experience can vary between smaller and larger insurers. With a regional carrier, you may work with the same agent for every transaction and have personalized service. However, they typically have limited digital tools and fewer nationwide perks than bigger companies. 

The cheapest car insurance in Georgia will be different for every driver, as insurance providers weigh several factors according to their own rating systems and state laws. Factors considered in Georgia include your driving record, car make and model, claims history, age, gender and more. Plus, you might be eligible for discounts like a bundling discount, good student discount or loyalty discount, which could greatly reduce your insurance premium.

To ensure that you’re getting the cheapest insurance for you, shop around with several providers, asking for quotes for the same coverage types and policy limits in order to make a fair comparison.

Full coverage car insurance typically includes comprehensive and collision coverage, along with at least the state’s minimum required coverage, but the definition can vary by carrier. Some carriers include add-ons in full coverage policies, like roadside assistance, gap coverage and rental reimbursement, which can cause drivers to pay more for coverage they might not need. Speaking with your agent about the exact coverage you want included in your full coverage policy can help avoid confusion. 

To obtain car insurance in Georgia, you’ll need some basic personal information and details about the vehicle you want to insure. Along with your driver’s license number, have your vehicle identification number (VIN), address, date of birth, and a record of your driving history from the past five years ready. You’ll also need to provide the same information for any additional drivers on the policy. After making your coverage selection and initial payment, the carrier will issue your policy. Your insurance ID card will serve as proof of coverage.