- What are the best car insurance companies in Georgia for 2025?
- Which are the cheapest car insurance companies in Georgia? (Full coverage & liability)
- How much does car insurance cost in Georgia? (Average rates & factors)
- Georgia car insurance requirements and average cost
- Cheapest car insurance companies for minimum liability coverage in Georgia
- Cheapest car insurance cost in Georgia by age group: Teens, adults and seniors
- Cheapest car insurance companies in Georgia for drivers with accidents, DUIs or speeding tickets
- Compare auto insurance rates by city in Georgia
- Car insurance premium trends in Georgia
- Methodology
- Compare Georgia car insurance rates with other states
What are the best car insurance companies in Georgia for 2025?
Auto-Owners is the best car insurance company in Georgia, according to our ranking, with an overall rating of 4.47.
The top car insurance companies in Georgia are:
- Auto-Owners
- USAA
- State Farm
Below is a full list of the top Georgia insurance companies based on price, National Association of Insurance Commissioners (NAIC) complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A+ | 650 | 0.54 | $1,529 | 4.47 |
| State Farm | A++ | 673 | 0.79 | $2,344 | 4.14 |
| GEICO | A++ | 651 | 0.69 | $2,072 | 4.02 |
| Progressive | A+ | 637 | 0.71 | $1,656 | 3.97 |
| Allstate | A+ | 634 | 1.1 | $2,014 | 3.29 |
| USAA | A++ | 759 | 1.18 | $1,562 | 4.47 |
Which are the cheapest car insurance companies in Georgia? (Full coverage & liability)
While USAA offers the cheapest auto insurance in Georgia, coverage isn’t available to all drivers. Progressive has the cheapest full-coverage car insurance for all Georgia drivers, with average rates of $1,980 annually or $165 a month.
Tip: Lower your GA premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by reducing coverage, increasing your deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim., and shopping for the lowest rates.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Progressive | $662 | $864 | $1,980 |
| GEICO | $412 | $693 | $2,248 |
| Auto-Owners | $569 | $777 | $2,266 |
| Country Financial | $576 | $1,030 | $2,545 |
| Central Insurance | $578 | $829 | $2,681 |
| Allstate | $1,035 | $1,331 | $3,067 |
| Safeway Insurance | $1,193 | $1,329 | $3,412 |
| Mercury Insurance | $943 | $1,343 | $3,495 |
| State Farm | $1,421 | $1,789 | $4,107 |
| USAA | $493 | $675 | $1,728 |
*USAA is only available to military members and their families
How much does car insurance cost in Georgia? (Average rates & factors)
The average car insurance rate in Georgia is $2,739 a year for a full coverage policy with a liability limits of 100/300/100 and $500 deductibles. For state minimum coverage, the average annual cost in Georgia is $780.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Georgia
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Lakeland | $998 | $83 |
| Fitzgerald | $997 | $83 |
| Bristol | $996 | $83 |
| Jakin | $995 | $83 |
| Lenox | $995 | $83 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Baxley | $1,001 | $83 |
| Abbeville | $1,002 | $83 |
| Moody AFB | $1,003 | $84 |
| Colquitt | $1,003 | $84 |
| Alapaha | $1,004 | $84 |
The Georgia Office of Commissioner of Insurance and Safety Fire says...
Georgia state law does not require you to purchase physical damage coverage. However, if you financed or leased your vehicle, the lender or leasing company usually requires it.
As a policyholder, you are allowed to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. under your own physical damage coverage even if someone else may have caused the accident.
Georgia car insurance requirements and average cost
Georgia's minimum car insurance coverage limits are 25/50/25. A state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. policy costs an average of $780 annually or $65 monthly.
The minimum liability insurance requirements in Georgia provide the following coverage:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per person
Cheapest car insurance companies for minimum liability coverage in Georgia
According to our rate analysis, GEICO provides the cheapest state minimum liability insurance, averaging $693 annually or $58 monthly. Auto-Owners comes in second with average rates of $65 a month, and Central Insurance is third with average rates of $69 a month.
In the table below, you'll see state minimum coverage rates in Georgia from several car insurance companies.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| GEICO | $693 | $58 |
| Auto-Owners | $777 | $65 |
| Central Insurance | $829 | $69 |
| Progressive | $864 | $72 |
| Country Financial | $1,030 | $86 |
| Allstate | $1,331 | $111 |
| Safeway Insurance | $1,329 | $111 |
| Mercury Insurance | $1,343 | $112 |
| State Farm | $1,789 | $149 |
| USAA | $675 | $56 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Georgia by age group: Teens, adults and seniors
Auto-Owners offers the cheapest car insurance for a 16-year-old driver in Georgia at $6,377 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults. Compare rates by age below.
In Georgia, USAA offers the cheapest car insurance for a 25-year-old driver at $2,111 per year. Same company offers the cheapest car insurance for a 65-year-old driver at $1,616 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Auto-Owners | $6,377 | $531 |
| Country Financial | $6,511 | $543 |
| USAA | $6,570 | $548 |
| Central Insurance | $6,844 | $570 |
| Progressive | $8,106 | $675 |
| GEICO | $11,434 | $953 |
| State Farm | $14,416 | $1,201 |
| Allstate | $15,698 | $1,308 |
| Safeway Insurance | $20,635 | $1,720 |
| Mercury Insurance | $27,055 | $2,255 |
*USAA is only available to military members and their families
Cheapest car insurance companies in Georgia for drivers with accidents, DUIs or speeding tickets
Country Financial offers the cheapest rates for drivers with accident at $3,260 per year and Progressive offers the cheapest rates for drivers with a speeding ticket at $2,665 per year. USAA offers cheaper rates but is available only to military veterans and their families.
Below are average Georgia rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Progressive | $1,980 | $3,621 | $2,665 |
| Auto-Owners | $2,266 | $3,261 | $2,930 |
| Country Financial | $2,545 | $3,260 | $3,331 |
| GEICO | $2,248 | $3,761 | $3,338 |
| Allstate | $3,067 | $4,599 | $3,465 |
| State Farm | $4,107 | $4,752 | $4,392 |
| Mercury Insurance | $3,495 | $7,215 | $5,341 |
| USAA | $1,728 | $2,644 | $2,147 |
*USAA is only available to military members and their families
Compare auto insurance rates by city in Georgia
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Georgia will impact what you pay. Below, we've gathered Georgia car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Alpharetta | $2,030 |
Athens | $1,816 |
Atlanta | $2,470 |
Car insurance premium trends in Georgia
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Georgia to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Georgia car insurance rates with other states
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