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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage Annual Premium
Auto-OwnersA++8590.53.94$1,529
Country FinancialA+8280.343.57$1,880
ProgressiveA+8280.653.21$1,656
GeicoA++8470.912.99$2,072
AllstateA+8160.652.98$2,014
State FarmA++8070.72.96$2,344
Mercury InsuranceA7940.842.31$2,219
Data updated in 2024
Read our full methodology

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.

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

Data updated in 2024
Read our full methodology

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 Georgia
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
30310 - Atlanta
For a 30-year-old male
$74 State minimum
$259 Full coverage
$110 Liability only

Most & least expensive ZIP codes for auto insurance in Georgia

Most Expensive

Zip CodeCityHighest Rate
30310Atlanta$259
30354Atlanta$252
30349Atlanta$250
30315Atlanta$249

Least Expensive

Zip CodeCityLowest Rate
31606Valdosta$134
31605Valdosta$135
31699Moody AFB$138
31602Valdosta$139
Data updated in 2024
Read our full methodology

Georgia car insurance requirements

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.

Minimum liability insurance requirements for Georgia:

  • 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 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.

State minimum auto insurance coverage in Georgia, GA
Company Annual liability insurance premiumMonthly 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

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Georgia by age

Central
Cheapest for teens
$3,857/yr
Learn more
company_name
Cheapest for adults
$1,572/yr
Learn more
company_name
Cheapest for seniors
$1,673/yr
Learn more

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.

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.

Age group
Teen
Age
16
Table
Graph
Auto-Owners$4,252$354
Central Insurance$4,393$366
Country Financial$5,306$442
USAA$6,460$538
State Farm$7,992$666
Allstate$9,481$790
Progressive$9,487$791
Geico$10,224$852
Safeway Insurance$15,602$1,300
Mercury Insurance$15,943$1,329
Yearly premium

*USAA is only available to military members and their families

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Georgia by driver profile

company_name
Cheapest for at-fault accident
$2,201/yr
Learn more
company_name
Cheapest for DUI
$2,507/yr
Learn more
company_name
Cheapest for speeding ticket
$1,827/yr
Learn more

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.

CompanyClean RecordAccidentSpeeding Ticket
Auto-Owners$1,529$2,201$1,827
USAA$1,562$2,390$1,941
Progressive$1,656$3,028$2,228
Allstate$2,014$3,021$2,276
Country Financial$1,880$2,408$2,460
State Farm$2,344$2,713$2,507
Geico$2,072$3,465$3,076
Mercury Insurance$2,219$4,581$3,391

*USAA is only available to military members and their families

Data updated in 2024
Read our full methodology

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
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Georgia have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

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