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Car insurance has become more expensive for many drivers in Georgia in recent years, but some car insurance providers in Georgia offer cheaper rates than others. Read on to discover the cheapest car insurance in Georgia for good drivers, young drivers, people with points on their driving records and people with poor credit. When shopping for the best car insurance, be sure to compare policies and prices from multiple providers.
In this article:
- Cheapest car insurance in Georgia
- 5 car insurance options in Georgia
- Georgia car insurance requirements
- How to get car insurance in Georgia
- Frequently asked questions
- Our methodology
Cheapest car insurance in Georgia
According to our rate estimates, USAA is typically the cheapest option for car insurance in Georgia, with an average cost of $1,107 a year for a full coverage policy. Nationwide and Auto-Owners follow with annual costs of $1,255 and $1,278, respectively.
| Car Insurance Company | Estimated Annual Cost* |
| USAA | $1,107 |
| Nationwide | $1,256 |
| Auto-Owners | $1,279 |
| Geico | $1,352 |
| Georgia Farm Bureau | $1,393 |
| Progressive | $1,418 |
| State Farm | $1,599 |
How much is car insurance in Georgia?
According to the National Association of Insurance Commissioners (NAIC), drivers in Georgia paid about $1,212 on average for car insurance in 2018. In other words, drivers paid an average of $101 a month for coverage. This average includes both minimum coverage and full coverage policies.
Compared to the rest of the nation, car insurance in Georgia is almost 15% more expensive. Drivers across the country paid an average of $1,057 in 2018. That said, the rates you find may be much higher or lower depending on where you live, your driving record and other demographic information.
Let’s see how much Georgia car insurance costs for different types of drivers.
Cheapest Georgia car insurance for young drivers
According to our cost estimates, USAA, Auto-Owners and Nationwide are among the cheapest options for younger drivers in Georgia.
| Car Insurance Company | Estimated Annual Cost* |
| USAA | $1,481 |
| Auto-Owners | $1,635 |
| Nationwide | $1,960 |
| State Farm | $2,138 |
| Progressive | $2,154 |
Cheapest Georgia car insurance for drivers with a speeding ticket
Having a recent speeding ticket will raise your rates, but USAA, Georgia Farm Bureau and Nationwide are typically the most affordable options.
| Car Insurance Company | Estimated Annual Cost* |
| USAA | $1,367 |
| Georgia Farm Bureau | $1,393 |
| Nationwide | $1,527 |
| Geico | $1,571 |
| Auto-Owners | $1,687 |
Cheapest Georgia car insurance for drivers with a recent accident
If you have an accident on your record, USAA, Auto-Owners and State Farm tend to offer the most affordable rates.
| Car Insurance Company | Estimated Annual Cost* |
| USAA | $1,622 |
| Auto-Owners | $1,769 |
| State Farm | $1,899 |
| Georgia Farm Bureau | $1,919 |
| Nationwide | $2,173 |
Cheapest Georgia car insurance for drivers with poor credit
Having poor credit can double your car insurance rates, depending on the situation. In Georgia, Nationwide, Geico and USAA are generally the best options for drivers with bad credit.
| Car Insurance Company | Estimated Annual Cost* |
| Nationwide | $1,660 |
| Geico | $1,907 |
| USAA | $1,980 |
| Progressive | $2,170 |
| Auto-Owners | $2,311 |
5 car insurance options in Georgia
Here is how we rated five companies that offer car insurance in Georgia.
| Georgia Car Insurance Companies | Overall Rating | Coverage Rating | Cost Rating |
| 1. USAA | 9.1 | 8.5 | 9.5 |
| 2. Geico | 9.1 | 8.5 | 8.5 |
| 3. State Farm | 8.6 | 8.5 | 8.0 |
| 4. Nationwide | 8.2 | 9.0 | 7.0 |
| 5. Georgia Farm Bureau | 7.3 | 6.5 | 7.0 |
(Our research team considers nationwide factors when rating providers. The ranking order of providers in this table is specific to car insurance in Georgia.)
1. USAA
USAA offers some of the cheapest car insurance in Georgia for many drivers. Founded in 1922, the company has grown to become the fifth-largest car insurance provider in the country, according to NAIC data. USAA is available only to military members, veterans and their immediate families.
With USAA, you can select from a variety of auto insurance coverage options. The company offers useful car insurance discounts, including discounts for military installation and low annual mileage. USAA also performed well in numerous J.D. Power surveys in 2020 and 2021.
2. Geico
If you don’t qualify for USAA, you might want to look at a Geico policy. Founded in 1936, Geico has an A++ financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB).
Since Geico offers over a dozen discounts, there’s a good chance you can qualify for a few. Geico insurance comes with all the standard coverage options for drivers in Georgia, plus a few extras:
- Classic car insurance
- Mechanical breakdown insurance
- Rideshare insurance
- Roadside assistance
| Geico Pros | Geico Cons |
| Affordable for drivers with bad credit | No usage-based insurance in Georgia |
| Good selection of extra options | |
| A++ financial strength rating |
3. State Farm
If you’re a young driver or a student, it may be a good idea to get a car insurance quote from State Farm. State Farm’s Steer Clear® program helps young drivers hone their skills and save money at the same time, and the company’s good student discount of up to 25% can help young drivers save even more.
State Farm has been around since 1922. Since then, it’s grown to become the largest car insurance provider in the country. According to the NAIC, the company wrote over $40 billion in premiums in 2020. State Farm backs its size up with an AM Best financial rating of A++.
| State Farm Pros | State Farm Cons |
| Usage-based insurance available in Georgia | Average prices |
| A++ financial strength rating | |
| Good discounts for students |
4. Nationwide
In our research into the cheapest car insurance in Georgia, we found that Nationwide offers some of the most affordable coverage for good drivers and drivers with bad credit. Nationwide has been around since 1926 and has accreditation and an A+ rating from the BBB. It also has an A+ financial strength rating from AM Best.
Georgia drivers can get standard car insurance plus usage-based or mileage-based telematics insurance from Nationwide. The company offers accident forgiveness, along with a variety of discounts.
| Nationwide Pros | Nationwide Cons |
| Usage- and mileage-based insurance | Average customer service experience |
| A+ rating with accreditation from the BBB | |
| Affordable Georgia rates |
5. Georgia Farm Bureau
The Georgia Farm Bureau Federation was founded in 1937. Today, over 250,000 member families are part of the organization. Georgia Farm Bureau offers affordable insurance for many rural drivers in the Peach State. According to the NAIC, the bureau only received four car insurance complaints in 2020.
To get Georgia Farm Bureau car insurance, you need to be a member of the Georgia Farm Bureau. However, you don’t need to be a farmer. You can join for $35, according to the Georgia Farm Bureau website. As a Georgia Farm Bureau member, you can also get access to home insurance, travel discounts, discounts on entertainment and more perks.
| Georgia Farm Bureau Pros | Georgia Farm Bureau Cons |
| Low prices for many drivers | No usage-based insurance |
| Low number of complaints | Lacks some extra coverage options |
| Policies come with roadside assistance |
Georgia car insurance requirements
In almost every state, you’re required to carry car insurance to cover your liability. Georgia requires $25,000 per person/$50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability, according to the Office of the Commissioner.
This required state minimum coverage only covers other people in car accidents you cause. If you want to protect your own vehicle when you are at fault for an accident, you’ll need collision insurance. If you want additional coverage for your car in case you hit a stationary object or encounter environmental damage, you’ll need comprehensive insurance.
The combination of liability insurance plus collision and comprehensive coverage is called full coverage insurance. Other useful Georgia auto insurance options include underinsured/uninsured motorist coverage and medical payments (MedPay).
How to get car insurance in Georgia
Whether you want state minimum liability coverage or a full coverage insurance policy, the easiest way to find a good price is to compare car insurance quotes online.
Frequently asked questions
Who has the cheapest car insurance in Georgia?
According to our rate estimates, USAA typically has the cheapest car insurance in Georgia for most drivers. Geico is also a cheap option for many drivers, and Nationwide tends to be the cheapest for drivers with poor credit scores.
Why is Georgia car insurance so high?
Since Georgia Senate Bill 276 passed in 2008, insurance companies can increase premiums without the approval of the insurance commissioner. This is one reason car insurance can be more expensive in Georgia.
Our methodology
We created a comprehensive rating system to formulate our rankings of car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider.
Here are the factors our ratings take into account:
- Reputation: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Customer Experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
*Data accurate at time of publication.
