The Cheapest Auto Insurance Companies in Georgia in 2024

Georgia is among the most expensive states for car insurance — the average driver pays $191 per month for coverage. A high percentage of uninsured drivers contributes to its higher-than-average insurance costs. Georgia ranks among the highest for uninsured motorists — roughly 18% of its drivers are uninsured, according to the Insurance Research Council.

Fortunately, you can find cheaper car insurance in Georgia by shopping around. For example, Auto-Owners Insurance offers an average monthly premium of just $81, according to Compare.com data. Comparing quotes from at least three different insurance companies will help you find the right price and coverage for your situation.

This guide will break down the cheapest car insurance companies for all types of Georgia drivers, plus give you tips on how to save on your monthly bill.

Key Takeaways:

• The average auto insurance policy in Georgia costs around $191 per month.
• Georgia drivers pay an average monthly rate of $144 for liability insurance and $237 for full coverage.
• All Georgia drivers must purchase liability insurance with 25/50/25 minimum limits.

In This Article:

• Average Price for Car Insurance in GA
• Cheapest GA Car Insurance Companies
• Best Georgia Insurers of 2024
• Average Georgia Rates by Age and Driving Record
• Georgia Auto Insurance Requirements
• How to Get Cheap Car Insurance in GA
• Frequently Asked Questions

How Much Is Car Insurance in Georgia?

Georgia drivers pay an average monthly premium of $191 for auto insurance, according to our analysis. The table below outlines what you can expect to pay for liability and full-coverage auto insurance compared to the national average.

Our research found that Georgia drivers pay $144 per month for liability insurance and $237 for full-coverage insurance. But the rates you receive can vary substantially depending on factors like the company you choose, your ZIP code, coverage levels, and more. We’ll cover them in greater detail in the next section.

Georgia’s Cheapest Car Insurance Companies

Even though the average cost of car insurance in Georgia is $191 per month, you can still find ways to save. The table below shows the five companies with the most competitive average rates in Georgia, according to Compare.com data.

Auto-Owners is the cheapest option overall, with an average monthly rate of $81. That said, just because these companies are the cheapest on average doesn’t mean they’ll be the more affordable option for everyone.

That’s why it’s important to shop around and compare multiple quotes before settling on an insurer. Certain companies may be better suited to drivers in different demographics. Let’s take a closer look.

Compare.com’s Best Georgia Insurance Companies of 2024

No single car insurance company is the best for everyone — every insurer has its own set of pros and cons to consider. We chose the following companies as Georgia’s best based on a variety of criteria, including the average rates in Georgia, available discounts, customer ratings and reviews, and available coverages.

Best for young drivers: State Farm

• Average premium: $87 per month
• Compare.com Rating: 4.9 out of 5

Pros:

• Teen discounts available
• Above-average J.D. Power rating

Cons:

• Recently downgraded by AM Best
• Doesn’t offer gap insurance

State Farm is among the cheapest insurers for Georgia’s young drivers — people in their 20s pay an average monthly rate of just $101. And thanks to its Steer Clear program, anyone under age 25 (who hasn’t had an at-fault accident in the past three years) can save up to 20% on their car insurance when they complete the program. State Farm also offers additional discounts for teen drivers, including a good student and a student away at school discount.

Best for military members: USAA

• Average premium: $102 per month
• Compare.com Rating: 4.91 out of 5

Pros:

• Unique discounts for military families
• Highly rated for financial strength

Cons:

• Only available for veterans, service members, and their families
• No local branches in Georgia

Georgia has the fifth-largest military population in the country, and military families may want to take advantage of USAA’s low rates and excellent customer service. You can save up to 15% if you garage your vehicle on a military base. The company also rewards customer loyalty, so you can earn a 10% discount if your parents were also USAA members.

Best for classic car owners: Auto-Owners

• Average premium: $81 per month
• Compare.com Rating: 4.43 out of 5

Pros:

• Classic car insurance available
• Large network of local insurance agents

Cons:

• Below-average J.D. Power rating
• Online quotes aren’t available

Auto-Owners is a good choice for classic car owners looking to protect their vehicles. Unlike most vehicles, classic and vintage cars tend to require special auto coverage since they tend to increase in value over time. Auto-Owners will write your policy based on an agreed-upon value, and if an accident totals your car, you’ll receive the full value stated in your policy.

Cheapest State-Minimum Car Insurance in Georgia

Many factors influence how much you pay for car insurance, including how much coverage you purchase. State-minimum liability coverage is the cheapest policy available — it pays for damages and injuries you cause to others in an accident. But it won’t pay to repair or replace your vehicle or cover your medical expenses.

Here are five of the cheapest auto insurance companies for liability-only insurance in Georgia.

Auto-Owners offers the cheapest liability insurance policy in Georgia, at $68 per month, according to Compare.com data.

That said, most experts advise purchasing more than the state-required insurance limits. And if you have a car lease or loan, your lender will likely require you to purchase full-coverage auto insurance. Understanding how full coverage works and what it includes will help you find the right coverage for your situation.

Let’s take a closer look at how rates change for full coverage.

Cheapest Full-Coverage Car Insurance in Georgia

Full-coverage auto insurance typically includes liability, collision, and comprehensive insurance. Collision insurance pays to repair or replace your car following an accident, regardless of who’s at fault. Comprehensive insurance covers theft or damages caused by something other than a collision.

Full coverage is more expensive than liability insurance but also provides the most financial protection. Let’s examine which companies offer the cheapest full-coverage policies in Georgia.

Auto-Owners is the cheapest option for full-coverage insurance in Georgia, at $94 per month, according to our analysis.

Insurance companies look at many factors when setting rates, so it’s important to understand which companies offer the cheapest policies for drivers like you. For example, different insurers may offer cheaper policies depending on your age and driving record.

Let’s take a closer look at how rates change for each.

Compare Georgia Auto Insurance Rates by Age

Age is another factor that influences your rates. Car insurance tends to be more expensive for teen drivers and people under age 25 because of their inexperience behind the wheel. Fortunately, rates gradually get less expensive as you get older.

The table below shows the average rates Georgia drivers pay by age group and the cheapest insurer for each, according to our analysis.

Cheapest car insurance for Georgia teens

Teen drivers are the most expensive to insure due to their lack of experience and higher rates of fatal car accidents. Crashes involving teens killed around 2,500 people in 2022, according to the National Highway Traffic Safety Administration (NHTSA).

Country Financial is the least expensive option for Georgia teens, with an average monthly rate of $125, according to Compare.com data.

Cheapest car insurance for Georgia seniors

As you approach retirement age, you’ll experience some of the cheapest car insurance rates of any age group. Auto insurance tends to be less expensive for senior drivers since they typically drive less. They may also qualify for special discounts that will lower their rates even further.

Auto-Owners is the cheapest option for Georgia drivers in their 60s and 70s. Seniors who choose Auto-Owners pay an average monthly rate of $63, according to our data.

Compare Georgia Auto Insurance Rates by Driving Record

Your driving record also has a significant effect on how much you pay for car insurance. Drivers with clean records get some of the lowest auto insurance rates available.

The following table highlights the average cost of auto insurance in Georgia by driving record and the cheapest company by incident.

Cheapest car insurance in Georgia after a ticket

In addition to the fine you’ll pay after receiving a speeding ticket, you’ll deal with higher car insurance premiums. National average rates increase by 27% after receiving one ticket, according to Compare.com data. That’s because speeding endangers other drivers and contributes to a third of all motor vehicle fatalities.

After a ticket, Auto-Owners will likely be your best bet in Georgia. The company charges an average monthly premium of $108.

Cheapest car insurance in Georgia after an accident

Every time you’re involved in a car accident, your insurance company loses money paying out on that claim. So insurers see drivers with a history of accidents as a higher liability and increase rates to make up for it.

We found that auto insurance rates can increase nationally by 34% after one at-fault accident. Auto-Owners is the best choice for drivers in Georgia after an accident — it charges drivers with a recent accident an average rate of $112 per month.

Cheapest car insurance in Georgia after a DUI

Driving under the influence (DUI) can cause your rates to go up more than any other moving violation — 50% nationwide, according to Compare.com data. Auto-Owners is the cheapest option for Georgia drivers with a recent DUI, with an average monthly rate of $132.

Georgia Auto Insurance Requirements

Georgia car insurance laws require drivers to meet the following minimum requirements for coverage:

• $25,000 in bodily injury liability coverage per person
• $50,000 in bodily injury liability coverage per accident
• $25,000 in property damage liability coverage per accident

Georgia is an at-fault state, meaning your liability insurance pays for the other person’s injuries and property damage if you cause an accident. Buying enough liability coverage can decrease your chances of paying out of pocket after a crash with serious injuries or totaling an expensive car.

You can also protect yourself from uninsured drivers by purchasing uninsured/underinsured motorist coverage. And adding comprehensive and collision coverages will help pay for vehicle repair costs after an accident, regardless of who’s at fault.

Penalties for driving without auto insurance in Georgia

Georgians who drive without auto insurance coverage can face the following penalties if convicted:

• 60-day license suspension unless the court accepts a “no contest” plea
• $200 reinstatement fee
• Six months of prepaid auto insurance with minimum coverage limits

For second and subsequent offenses, the fine increases to $300, and the state requires you to file an SR-22 for three years. You’ll also have an automatic 90-day license suspension, plus potential court fees and the cost of a new driver’s license.

SR-22 auto insurance in Georgia

After a second DUI offense or a license suspension, you must submit an SR-22A form to the state for at least three years. Form SR-22A is not a type of insurance but proof that you meet Georgia’s minimum coverage requirements.

It’s important to shop around for the best rates before purchasing SR-22 coverage. You should also keep track of your policy dates so you remember to renew your coverage on time. That way, the state won’t suspend or revoke your license due to lapsed coverage.

How to Get Cheaper Car Insurance in Georgia

We all want to save money on our auto insurance bills, and Georgia drivers may find cheaper car insurance by following these five tips:

• Keep your driving record clean: Obeying traffic laws and displaying good driving behavior will help you avoid driving-related infractions and lower your car insurance
• Check for discounts: Adding discounts is a great way to lower your premiums.
• Review your coverages: Review your policy details to ensure you pay for only the coverage you need. Consider increasing your deductible on comprehensive and collision coverage if you can afford a larger out-of-pocket bill if you file a claim — it’ll save you money each month.
• Provide detailed information about your vehicle: Let your insurance company know about any safety features in your vehicle since this could help you qualify for a discount.
• Shop regularly and compare quotes: Get at least three auto insurance quotes from different insurers so you can compare the prices and coverage options before committing to a policy.

Georgia Auto Insurance FAQs

If you want to know more about auto insurance in Georgia, check out these answers to some of the most commonly asked insurance questions in the Peach State.

What’s the cheapest auto insurance company in Georgia?

Auto-Owners has the cheapest average rates of any Georgia insurer, at just $81 per month, according to our analysis. Keep in mind that it might not be the cheapest for you since your rate will depend on your unique driver profile.

How much is car insurance in Georgia?

Georgia drivers pay an average monthly rate of $191 for car insurance, according to Compare.com data. But your actual rate could be more or less depending on factors like your age, driving record, vehicle make and model, and ZIP code.

Why is Georgia car insurance so expensive?

Georgia car insurance is expensive due to the state’s relatively high number of accidents and traffic fatalities, which causes insurance costs to go up. This is likely due to Georgia’s traffic and high population density. Georgia also has a high percentage of uninsured drivers, which affects insurance costs.

How can you lower your car insurance in Georgia?

The best way to save money on car insurance is to shop around. Get quotes from at least three different insurers and compare to see which offers you the best rates and coverage options. You can also lower your car insurance rate by taking advantage of discounts and maintaining a clean driving record.

Data Methodology:

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

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