Nationwide offers the cheapest auto insurance rates in Georgia at about $1,245 a year or $103 monthly, on average. That’s below the average Georgia car insurance rate of $1,555 a year.
However, cheap isn’t everything, and an Insurance.com analysis of rates, complaints, and financial stability found Auto-Owners to be the best insurance company in Georgia.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your annual car insurance cost.
Read on to compare Georgia insurance rates by company, age and more.
Key takeaways
- Auto-Owners is the best car insurance company in Georgia, with an overall rating of 4.16.
- Nationwide is the cheapest car insurance company in Georgia at $1,245 per year.
- Auto-Owners has the cheapest rates for teens as well as for drivers with a ticket or accident.
Average cost of car insurance in Georgia
The average car insurance rate in Georgia is $1,555 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 $504.
Best car insurance companies in Georgia
Auto-Owners is the best car insurance company in Georgia according to Insurance.com’s 2023 ranking, with an overall rating of 4.16.
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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Auto-Owners | A++ | $1,281 | 0.64 | 4.16 |
| USAA* | A++ | $1,136 | 0.99 | 3.95 |
| Nationwide | A+ | $1,245 | 0.66 | 3.89 |
| Geico | A++ | $1,459 | 0.77 | 3.72 |
| Progressive | A+ | $1,455 | 0.73 | 3.47 |
| State Farm | A++ | $1,640 | 0.52 | 3.44 |
| Allstate | A+ | $1,832 | 0.95 | 2.59 |
| Mercury Insurance | A | $1,932 | 0.67 | 2.49 |
*USAA is only available to military members and their families
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 $1,212 annually or $101 a month. Nationwide is the cheapest auto insurance company in Georgia for non-military drivers with average rates of $1,245 per year or $103 per month for a full coverage policy.
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| USAA* | $344 | $444 | $1,136 |
| Nationwide | $873 | $800 | $1,245 |
| Auto-Owners | $316 | $420 | $1,281 |
| Progressive | $458 | $585 | $1,455 |
| Geico | $351 | $509 | $1,459 |
| State Farm | $506 | $677 | $1,640 |
| Allstate | $595 | $706 | $1,832 |
| Mercury Insurance | $644 | $786 | $1,932 |
| Country Financial | $453 | $709 | $2,017 |
*USAA is only available to military members and their families
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.
Geico is the cheapest company for Georgia teen drivers with an average annual rate of $2,605 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.
Geico is the cheapest company for adults and Nationwide is the cheapest company for seniors in Georgia for full coverage, with an average annual rate of $1,099 a year and $1,065 a year, respectively.
| Age (group) | Company Group | Avg. annual premium |
|---|---|---|
| Teens (16-19) | Geico | $ 2,605 |
| Teens (16-19) | Auto-Owners | $ 3,156 |
| Teens (16-19) | CSAA Insurance (AAA) | $ 4,076 |
| Teens (16-19) | Nationwide | $ 4,152 |
| Teens (16-19) | Travelers | $ 4,257 |
| Teens (16-19) | State Farm | $ 4,386 |
| Teens (16-19) | Allstate | $ 5,754 |
| Teens (16-19) | The Hartford | $ 5,896 |
| Teens (16-19) | USAA | $ 6,133 |
| Teens (16-19) | Farmers | $ 6,496 |
| Teens (16-19) | Mercury Insurance | $ 7,976 |
| Teens (16-19) | Progressive | $ 10,945 |
| Young Adults (20-24) | Geico | $ 1,429 |
| Young Adults (20-24) | Auto-Owners | $ 1,910 |
| Young Adults (20-24) | Nationwide | $ 1,960 |
| Young Adults (20-24) | Travelers | $ 2,009 |
| Young Adults (20-24) | USAA | $ 2,369 |
| Young Adults (20-24) | State Farm | $ 2,493 |
| Young Adults (20-24) | Farmers | $ 2,685 |
| Young Adults (20-24) | Allstate | $ 2,806 |
| Young Adults (20-24) | CSAA Insurance (AAA) | $ 2,815 |
| Young Adults (20-24) | Mercury Insurance | $ 3,133 |
| Young Adults (20-24) | Progressive | $ 3,308 |
| Young Adults (20-24) | The Hartford | $ 3,420 |
| Adults (25-55) | Geico | $ 1,099 |
| Adults (25-55) | Nationwide | $ 1,147 |
| Adults (25-55) | Auto-Owners | $ 1,179 |
| Adults (25-55) | Travelers | $ 1,328 |
| Adults (25-55) | USAA | $ 1,363 |
| Adults (25-55) | Farmers | $ 1,399 |
| Adults (25-55) | The Hartford | $ 1,475 |
| Adults (25-55) | State Farm | $ 1,516 |
| Adults (25-55) | Mercury Insurance | $ 1,529 |
| Adults (25-55) | Progressive | $ 1,916 |
| Adults (25-55) | Allstate | $ 2,004 |
| Adults (25-55) | CSAA Insurance (AAA) | $ 2,082 |
| Seniors (60-75) | Nationwide | $ 1,065 |
| Seniors (60-75) | Geico | $ 1,083 |
| Seniors (60-75) | Auto-Owners | $ 1,206 |
| Seniors (60-75) | Travelers | $ 1,304 |
| Seniors (60-75) | USAA | $ 1,338 |
| Seniors (60-75) | Farmers | $ 1,385 |
| Seniors (60-75) | The Hartford | $ 1,415 |
| Seniors (60-75) | State Farm | $ 1,437 |
| Seniors (60-75) | Mercury Insurance | $ 1,484 |
| Seniors (60-75) | Progressive | $ 1,786 |
| Seniors (60-75) | CSAA Insurance (AAA) | $ 2,097 |
| Seniors (60-75) | Allstate | $ 2,141 |
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 | Ticket |
|---|---|---|---|
| Auto-Owners | $1,292 | $1,754 | $1,369 |
| USAA | $1,202 | $1,808 | $1,484 |
| State Farm | $1,756 | $2,070 | $1,913 |
| Nationwide | $1,359 | $2,254 | $1,844 |
| Geico | $1,501 | $2,521 | $1,909 |
| Allstate | $1,977 | $2,991 | $2,243 |
| Progressive | $1,659 | $3,083 | $2,309 |
| Mercury | $2,028 | $3,878 | $3,028 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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.
