If you are one of the over 7.2 million licensed drivers in Georgia, you have many car insurance options. Car insurance in Georgia is based on a number of factors, including your age, credit score, gender, marital status and ZIP code. Because auto insurance rates vary year to year and from one company to another, it may be worth taking the time to get quotes from several companies. You might save money or find a better fit for your needs.
Bankrate’s insurance editorial team has reviewed the major insurance companies in Georgia to determine the best options. When looking for car insurance, Georgia drivers may want to consider getting quotes from these companies.
Best car insurance companies in Georgia
When shopping for car insurance, cost is not the only factor to consider. A company’s ratings are also important, with J.D. Power scores showing a company’s average customer satisfaction. We also considered AM Best financial stability scores, as well as each company’s coverage options, discounts and availability.
Based on our research, these companies offer the best car insurance in Georgia:
|Provider||Bankrate Score||Average annual full coverage premium||J.D. Power customer satisfaction score|
|Allstate||3.6||$1,718||876 / 1,000|
|Auto-Owners||4.6||$1,494||890 / 1,000|
|Geico||4.6||$1,711||871 / 1,000|
|State Farm||4.4||$1,375||881 / 1,000|
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 that could help you lower your rates. Discounts include new car, safe driver and smart student.
Allstate received an above-industry average score in the 2020 J.D. Power Auto Claims Satisfaction Study, indicating that its customers are generally satisfied with Allstate’s claims service. Allstate sells its insurance through a network of local agents, which may be appealing if you prefer to work with a live agent to handle your insurance needs.
Because it is not a national insurer, you may not be as familiar with Auto-Owners as you are with some of the other carriers on our list. However, this regional carrier does offer coverage in Georgia and you may want to consider getting a quote; the company has the second-lowest premium on our list and the highest score from J.D. Power of the companies we reviewed.
Even though Auto-Owners offers a low average full coverage premium for Georgia drivers, the company has a long list of discounts that might help you get an even lower premium. You may be able to save by paying in full and on time, enrolling in paperless statements, having safety features on your vehicle and getting a quote before your current policy expires.
Rated above average in claims satisfaction by J.D. Power, Geico offers competitive premiums in Georgia. In addition to auto insurance, Geico offers renters insurance, homeowners insurance, business insurance and pet insurance, among other options. Geico also has an A++ financial strength rating from AM Best.
Although Geico’s average full coverage premium is already lower than Georgia’s average, the company is known for offering a multitude of discounts. You can save for having certain safety features on your car, being a federal employee, being a member of the military or being a good driver.
State Farm also earns above-average scores in claims satisfaction from J.D. Power. State Farm offers the cheapest rates of all the providers on our list, and the customer service and policy offerings are highly rated. With the mobile app, its customers can do everything from file a claim to request roadside assistance.
State Farm offers several discounts that could help you save even more on your auto insurance. You may be able to save by being accident-free, being a good driver, insuring multiple products with State Farm and having some vehicle safety features.
Average car insurance cost in Georgia
Car insurance in Georgia is relatively expensive, with average full coverage premiums that are over $300 more than the average cost of car insurance in the country. While the national average cost of car insurance is $1,674 per year, Georgia residents pay $1,982 per year for the same coverage. Minimum coverage is similarly more expensive, at $756 annual for Georgia residents and $565 per year on average in the U.S.
|Average annual premium for minimum coverage in Georgia||Average annual premium for full coverage in Georgia|
State minimum insurance requirements in Georgia
Georgia, like most states, requires that you carry a minimum level of car insurance to drive legally. The minimum required levels are:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
Purchasing minimum coverage will often mean that you pay less for auto insurance. However, minimum coverage 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.
Additionally, minimum coverage does not provide any coverage for damage to your own vehicle. For that protection, you will need full coverage, which adds comprehensive and collision. If you have a lease or loan on your vehicle, your lender will likely require you to have full coverage.
How to get the best car insurance
The best and cheapest auto insurance in Georgia will not be the same for everyone. Car insurance is personalized to each driver, so you may want to consider these tips when searching for the best car insurance in Georgia for you:
- Evaluate your needs: The price of auto insurance is determined by many individual factors, such as the driver’s age, gender, location, driving history and vehicle. To help you find the right auto insurance policy at the best price, you could get quotes from a few insurance companies so you can compare the policies to see which discounts you qualify for and which policy will provide the coverage you need.
- Consider state factors: Liability insurance, which pays for property damage and injuries to others if you cause a car crash, is mandatory for Georgia drivers. You must carry at least the state minimum coverage to drive legally. Georgia is also prone to tornadoes; you may want to consider adding comprehensive coverage to cover your vehicle for weather damage.
Car insurance discounts in Georgia
Although Georgia’s auto insurance prices are higher than the national average, there are ways you could lower your premium. Most companies offer discounts to help you save money. Some common discounts in Georgia are:
- Safety features discount: Having certain safety features on your car, like anti-lock brakes, an alarm system, forward collision warning or side curtain airbags may earn you a car insurance discount.
- Full payment discount: Many companies will offer a policy discount if you are able to pay your entire premium in full, rather than in monthly or quarterly installments.
- Multi-policy discount: If you own a home or condo, or even if you rent your current home, you may get a discount if you insure your property with the same company as your auto insurance. Typically this discount extends to both policies.
- Good student discount: If you have a teen driver on your policy, you may be eligible for a discount if your teen is a full-time student and maintains good grades. The qualifications vary by company but are usually a B letter-grade average or a 3.0 GPA.
Discounts can often help you save on your auto insurance. Because each company offers a different suite of discounts, researching discounts online or talking to a representative from your current company might help you to identify ways to save.
Frequently asked questions
What is the cheapest car insurance in Georgia?
The cheapest auto insurance will be different for everyone, since rates are specific to your unique circumstances. Getting quotes from several companies and taking advantage of discounts may help you to get a lower premium.
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. This is why most insurance agents recommend that you purchase higher limits of liability if you can afford to do so. State minimum coverage might be cheaper, but you could be left with high out-of-pocket bills if you cause an accident. Getting quotes for a few different levels of liability may help you choose a level that is right for your risk-tolerance level and your budget.
What happens if I drive without insurance in Georgia?
Because Georgia requires that all drivers carry at least the state minimum limits of auto insurance coverage, driving without insurance is illegal. If you are caught driving without insurance, you could be fined, lose your license or even face jail time. If you cause an accident, penalties may be stiffer, and you will have to pay for the damages that you cause out of pocket.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.