- Best car insurance companies in Georgia
- Cheapest car insurance companies in Georgia
- Average cost of car insurance in Georgia
- Georgia car insurance requirements
- 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
- Car insurance premium trends in Georgia
- Methodology
- Compare Georgia car insurance rates with other states
Best car insurance companies in Georgia
Auto-Owners is the best car insurance company in Georgia, according to our ranking, with an overall rating of 3.94.
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++ | 859 | 0.5 | $1,529 | 3.94 |
| Country Financial | A+ | 828 | 0.34 | $1,880 | 3.57 |
| Progressive | A+ | 828 | 0.65 | $1,656 | 3.21 |
| Geico | A++ | 847 | 0.91 | $2,072 | 2.99 |
| Allstate | A+ | 816 | 0.65 | $2,014 | 2.98 |
| State Farm | A++ | 807 | 0.7 | $2,344 | 2.96 |
| Mercury Insurance | A | 794 | 0.84 | $2,219 | 2.31 |
Cheapest car insurance companies in Georgia
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.
Comparison shopping is the key when it comes to finding the best price 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.
| 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 liability limits of 100/300/100 and $500 deductibles. For 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 | $3,109 |
| 30354 | Atlanta | $3,020 |
| 30349 | Atlanta | $3,001 |
| 30315 | Atlanta | $2,990 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 31606 | Valdosta | $1,612 |
| 31605 | Valdosta | $1,615 |
| 31699 | Moody AFB | $1,652 |
| 31602 | Valdosta | $1,669 |
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
Georgia's minimum car insurance coverage limits are 25/50/25. Georgia's 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. costs an average of $566 annually or $47 monthly.
The minimum liability insurance requirements in Georgia provide coverage as follows:
- 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, Auto-Owners provides the cheapest state minimum liability insurance, averaging $368 annually or $31 monthly.
In the table below, you'll see state minimum coverage rates in Georgia for multiple car insurance companies.
| 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
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 premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates.
| USAA | $6,460 | $538 |
| State Farm | $7,992 | $666 |
| Allstate | $9,481 | $790 |
| Progressive | $9,487 | $791 |
| Geico | $10,224 | $852 |
*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 |
|---|---|---|---|
| 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
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
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 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
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 Georgia car insurance rates with other states
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