- Best car insurance companies in Georgia
- Cheapest car insurance companies in Georgia
- Average cost of car insurance in Georgia
- Minimum car insurance requirements in Georgia
- Cheapest car insurance companies for minimum liability coverage in Georgia
- Cheapest car insurance cost in Georgia by age
- Cheapest car insurance companies in Georgia by driver profile
- Compare auto insurance rates by city in Georgia
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Georgia
Auto-Owners is the best car insurance company in Georgia, according to Insurance.com’s ranking, with an overall rating of 3.94.
Below is a full list of the top Georgia insurance companies based on price, NAIC complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | Avg. Annual Premium | JD Power | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | $1,529 | 859 | 0.5 | 3.94 |
| Country Financial | A+ | $1,880 | 828 | 0.34 | 3.57 |
| Progressive | A+ | $1,656 | 828 | 0.65 | 3.21 |
| Geico | A++ | $2,072 | 847 | 0.91 | 2.99 |
| Allstate | A+ | $2,014 | 816 | 0.65 | 2.98 |
| State Farm | A++ | $2,344 | 807 | 0.7 | 2.96 |
| Mercury Insurance | A | $2,219 | 794 | 0.84 | 2.31 |
Cheapest car insurance companies in Georgia
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Georgia and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, USAA is the cheapest auto insurance company in Georgia, with average rates of $1,562 annually or $130 a month, but is only available to military families. Auto-Owners is the cheapest full coverage car insurance company in Georgia available to all drivers, with average rates of $1,529 per year or $127 per month.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Auto-Owners | $368 | $497 | $1,529 |
| USAA* | $537 | $698 | $1,562 |
| Progressive | $552 | $745 | $1,656 |
| Central Insurance | $458 | $631 | $1,706 |
| Country Financial | $421 | $819 | $1,880 |
| Allstate | $686 | $837 | $2,014 |
| Geico | $471 | $754 | $2,072 |
| Mercury Insurance | $667 | $835 | $2,219 |
| State Farm | $746 | $975 | $2,344 |
| Safeway Insurance | $987 | $1,159 | $2,812 |
*USAA is only available to military members and their families
Average cost of car insurance in Georgia
The average car insurance rate in Georgia is $1,970 a year for a full coverage policy with a coverage level of 100/300/100, according to an analysis by Insurance.com. For the state minimum coverage, the average annual cost in Georgia is $577.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Georgia
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 30310 | Atlanta | $259 |
| 30354 | Atlanta | $252 |
| 30349 | Atlanta | $250 |
| 30315 | Atlanta | $249 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 31606 | Valdosta | $134 |
| 31605 | Valdosta | $135 |
| 31699 | Moody AFB | $138 |
| 31602 | Valdosta | $139 |
Minimum car insurance requirements in Georgia
Georgia's minimum car insurance coverage limits are 25/50/25. Georgia's state minimum liability insurance costs an average of $566 annually or $47 monthly.
Cheapest car insurance companies for minimum liability coverage in Georgia
According to Insurance.com, Auto-Owners provides the cheapest state minimum liability insurance, averaging $368 annually or $31 monthly.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Georgia.
| Company | Annual liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Auto-Owners | $368 | $31 |
| Country Financial | $421 | $35 |
| Central Insurance | $458 | $38 |
| Geico | $489 | $41 |
| USAA* | $537 | $45 |
| Progressive | $545 | $45 |
| Mercury Insurance | $615 | $51 |
| Allstate | $664 | $55 |
| State Farm | $746 | $62 |
| Safeway Insurance | $1,088 | $91 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Georgia by age
In Georgia, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Central Insurance is the cheapest company for Georgia teen drivers with an average annual rate of $3,875 annually for a full coverage policy.
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.
Auto-Owners is the cheapest company for adult and senior drivers in Georgia for full coverage, with an average annual rate of $1,572 a year and $1,673 a year, respectively.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Central Insurance | $3,857 |
| Teens (16-19) | Auto-Owners | $3,950 |
| Teens (16-19) | USAA* | $4,626 |
| Teens (16-19) | Country Financial | $4,787 |
| Teens (16-19) | State Farm | $6,764 |
| Teens (16-19) | Allstate | $6,947 |
| Teens (16-19) | Geico | $7,036 |
| Teens (16-19) | Progressive | $7,855 |
| Teens (16-19) | Safeway Insurance | $9,680 |
| Teens (16-19) | Mercury Insurance | $10,614 |
| Young Adults (20-24) | USAA* | $2,475 |
| Young Adults (20-24) | Auto-Owners | $2,583 |
| Young Adults (20-24) | Central Insurance | $2,688 |
| Young Adults (20-24) | Progressive | $2,689 |
| Young Adults (20-24) | Allstate | $2,986 |
| Young Adults (20-24) | Country Financial | $3,101 |
| Young Adults (20-24) | Geico | $3,657 |
| Young Adults (20-24) | State Farm | $3,908 |
| Young Adults (20-24) | Mercury Insurance | $4,326 |
| Young Adults (20-24) | Safeway Insurance | $5,114 |
| Adults (25-60) | USAA* | $1,570 |
| Adults (25-60) | Auto-Owners | $1,572 |
| Adults (25-60) | Progressive | $1,627 |
| Adults (25-60) | Central Insurance | $1,784 |
| Adults (25-60) | Country Financial | $1,919 |
| Adults (25-60) | Allstate | $1,998 |
| Adults (25-60) | Geico | $2,111 |
| Adults (25-60) | Mercury Insurance | $2,260 |
| Adults (25-60) | State Farm | $2,357 |
| Adults (25-60) | Safeway Insurance | $2,954 |
| Seniors (65-75) | Auto-Owners | $1,673 |
| Seniors (65-75) | Progressive | $1,698 |
| Seniors (65-75) | USAA* | $1,707 |
| Seniors (65-75) | Country Financial | $1,764 |
| Seniors (65-75) | Allstate | $2,052 |
| Seniors (65-75) | Central Insurance | $2,053 |
| Seniors (65-75) | Geico | $2,134 |
| Seniors (65-75) | State Farm | $2,277 |
| Seniors (65-75) | Mercury Insurance | $2,288 |
| Seniors (65-75) | Safeway Insurance | $2,853 |
*USAA is only available to military members and their families
Cheapest car insurance companies in Georgia by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance.
However, the severity and frequency of the incidents will also play a role in insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Georgia rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| USAA* | $1,198 | $2,155 | $1,543 |
| Auto-Owners | $1,292 | $1,861 | $1,786 |
| Nationwide | $1,371 | $2,472 | $1,982 |
| Geico | $1,461 | $2,655 | $2,445 |
| Progressive | $1,710 | $3,501 | $2,389 |
| State Farm | $1,756 | $2,070 | $1,913 |
| Allstate | $2,065 | $3,410 | $2,376 |
| Mercury Insurance | $2,092 | $4,306 | $3,035 |
*USAA is only available to military members and their families
Compare auto insurance rates by city in Georgia
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Georgia.
| City | Annual insurance premium |
|---|---|
Alpharetta | $2,030 |
Athens | $1,816 |
Atlanta | $2,470 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
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
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare auto insurance rates with other states
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