Low-income car insurance in Georgia

Q: Does Georgia have car insurance for low-income individuals?

No , Georgia doesn’t offer a car insurance program for low-income individuals or families.

Georgia government car insurance for low-income drivers

There is no government-run car insurance program for low-income drivers in Georgia. Only a handful of states (California, Hawaii and New Jersey) have such a program.

In Georgia, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.

Georgia minimum car insurance requirements

The minimum car insurance requirements in Georgia are as follows:

Minimum liability coverage limits	25/50/25
Average annual premium	$577
Other types of insurance required (if any)	-

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Remember that if you have a loan on your car, you’re required to carry full coverage, which includes collision and comprehensive.

Best low-income car insurance in Georgia

Auto-Owners came out on top as the best pick for low-income car insurance.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Georgia and compared them on rates for state minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

These are the best low-income car insurance companies in Georgia.

Company	Average annual premium	J.D. Power	AM Best	NAIC	Insurance.com score
Auto-Owners	$368	859	A++	0.5	3.94
Country Financial	$421	828	A+	0.34	3.74
GEICO	$471	847	A++	0.91	3.21
Progressive	$552	828	A+	0.65	3.04
State Farm	$746	807	A++	0.7	2.98
Allstate	$686	816	A+	0.65	2.86
Mercury Insurance	$667	794	A	0.84	2.35

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Cheapest low-income car insurance in Georgia

Based on state minimum coverage, we found that the cheapest car insurance company in Georgia is Auto-Owners at an average rate of $368 a year.

When you’re working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Georgia to find the cheapest options on average.

Company name	Average annual premium	Average monthly premium
Auto-Owners	$368	$31
Country Financial	$421	$35
Central Insurance	$458	$38
GEICO	$471	$39
Progressive	$552	$46
Mercury Insurance	$667	$56
Allstate	$686	$57
State Farm	$746	$62
Safeway Insurance	$987	$82
USAA	$537	$45

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PEOPLE ASK:

What can I do if I can’t afford car insurance in Georgia?

If you can’t find affordable car insurance in Georgia, try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.

Car insurance discounts for low-income drivers in Georgia

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Georgia can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type	% Discount
Years Licensed	25%
Years Insured	16%
Loyalty - Years Renewal With Company	16%
Lower Annual Mileage	14%
Payment Type	12%
Marital Status	11%
Telematics	10%
Primary Use	10%
Multi Policy	9%
Daily Commute	7%
Homeowner	7%
Days Advanced Purchase	5%
Electronic Funds Transfer	4%
Days Per Week Driven	4%
Safety Devices	4%
Paperless/Electornic Documents	3%
Electronic Signature	1%
Anti-Theft Device	1%
Air Bags	1%

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Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

53M+

insurance quotes analyzed

National and state average rates are based on state minimum car insurance.

This data set is based on:

Bodily injury liability that matches the state minimum requirement

Property damage liability that matches the state minimum requirement

Any other state-required coverage, which may include personal injury protection, medical payments and uninsured/underinsured motorist coverage

40-year-old driver

Honda Accord LX

Good credit

A clean driving record

12-mile commute, 10,000 annual mileage

Low-income car insurance in Georgia: Frequently asked questions

What is the cheapest car insurance company for low-income people?

In Georgia, Auto-Owners is the cheapest car insurance company with the average rate of $368. However, that’s based on average rates and may differ for you, so it’s important to shop around.

Does Georgia have car insurance for low-income individuals?

No, Georgia doesn’t offer a car insurance program for low-income individuals or families.

What happens if I can’t pay my car insurance?

If you don’t pay your car insurance bill, your car insurance will be canceled and you won’t have coverage. If you can’t pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.