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.

Best car insurance in Georgia
Company AM BestAvg. Annual PremiumJD PowerNAICInsurance.com score
Auto-OwnersA++$1,5298590.53.94
Country FinancialA+$1,8808280.343.57
ProgressiveA+$1,6568280.653.21
GeicoA++$2,0728470.912.99
AllstateA+$2,0148160.652.98
State FarmA++$2,3448070.72.96
Mercury InsuranceA$2,2197940.842.31

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 auto insurance company in Georgia available to all drivers, with average rates of $1,529 per year or $127 per month for a full coverage policy. 

Cheapest car insurance in Georgia, GA
CompanyState minimum liability50/100/50 liability100/300/100 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

Average auto insurance rates in Alabama
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

Most Expensive

Zip CodeCityHighest Rate

Least Expensive

Zip CodeCityLowest Rate

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.

Cheapest car insurance in Georgia by age
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.

Cheapest auto insurance in Georgia for drivers with tickets and accidents
CompanyClean recordAccident 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.

CityAnnual insurance premium
Alpharetta
$2,030
Athens
$1,816
Atlanta
$2,470

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.

Tip icon You might also be interested in