- Georgia government car insurance for low-income drivers
- Georgia minimum car insurance requirements
- Best low income car insurance in Georgia
- Cheap car insurance in Georgia for low-income individuals
- Car insurance discounts in Georgia for low-income drivers
- Methodology
- Low-income car insurance in Georgia: Frequently asked questions
- Compare low-income car insurance rates in Georgia with other states
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 | Average annual premium | Other types of insurance required (if any) |
|---|---|---|
| 25/50/25 | $577 | - |
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 |
Cheap car insurance in Georgia for low-income individuals
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 |
Car insurance discounts in Georgia for low-income drivers
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% |
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.
Low-income car insurance in Georgia: Frequently asked questions
What is the cheapest car insurance company for low-income people?
In Georgia, the cheapest car insurance company is Auto-Owners. 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.
Compare low-income car insurance rates in Georgia with other states
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