How to Compare Car Insurance Quotes 2024
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheapest Car Insurance in Georgia (2024)

Updated on:
Content was accurate at the time of publication.

The cheapest car insurance in Georgia is usually Farm Bureau for full coverage and Auto-Owners if you want the bare minimum. However, you might find a less expensive quote at a different insurer, depending on your situation.

Below are the insurers with the most affordable car insurance for different scenarios, including Georgia drivers with an accident or infraction on their record.

Drivers in Georgia find the cheapest full-coverage car insurance with Farm Bureau, at an average rate of $1,334 a year.

Auto-Owners is the next most affordable, followed by Allstate. USAA also has a relatively low rate, but it only provides insurance products to past and current military members and their families.

Cheapest companies for full-coverage car insurance

CompanyAverage annual rate
Farm Bureau$1,334
Auto-Owners$1,458
Allstate$1,869
State Farm$1,927
Geico$2,288
Progressive$2,383
USAA*$1,562

Rates are for full-coverage car insurance for a 30-year-old male with a clean driving record.

*USAA coverage is limited to military and their families

Full-coverage car insurance isn’t actually a type of policy — it’s a combination of liability, collision and comprehensive coverage.

Collision coverage takes care of your damages after an accident, and comprehensive coverage handles non-collision damage, as well as auto theft and vandalism.

Auto-Owners has the lowest rate for Georgia drivers looking for liability-only car insurance, at $500 a year.

Farm Bureau has the second cheapest rate — at $569 — followed by Progressive in third place.

Cheapest companies for liability car insurance in Georgia

CompanyAverage annual rate
Auto-Owners$500
Farm Bureau$569
Progressive$838
State Farm$970
Geico$971
Allstate$972
USAA*$711

Rates are for liability-only car insurance for a 30-year-old male with a clean driving record.

*USAA coverage is limited to military and their families

Liability-only car insurance covers the medical bills of others and your court costs that result from an accident you’re responsible for.

Farm Bureau has the cheapest average liability-only rates for Georgia teens, at $1,876 a year. Auto-Owners is the next most affordable.

Cheapest car insurance companies for teens

CompanyAverage annual rate
Farm Bureau$1,876
Auto-Owners$1,936
State Farm$3,370
Allstate$3,386
Geico$3,403
Progressive$4,450
USAA*$1,768

Rates are for liability-only car insurance for an 18-year-old male with a clean driving record.

*USAA coverage is limited to military and their families

Car insurance for young drivers tends to be the highest for any age group. Insurers see teens as being risky to cover, due to their inexperience at driving.

A good way to lower car insurance costs for a teen living in your home is to add them to your own current policy. While this will raise your rates, it should still be cheaper than if you and the teen had separate policies.

For Georgia drivers with a traffic ticket on their record, Auto-Owners usually offers the cheapest rate, with an average of $1,458 a year. Farm Bureau is practically just as affordable, with an average rate of $1,460.

Cheapest car insurance companies after a ticket

CompanyAverage annual rate
Auto-Owners$1,458
Farm Bureau$1,460
State Farm$2,065
Allstate$2,113
Geico$2,768
Progressive$3,201
USAA*$1,936

Rates are for full-coverage car insurance for a 30-year-old male with one speeding ticket.

*USAA coverage is limited to military and their families

In Georgia, a speeding ticket usually stays on your record for two years. You will probably see higher car insurance rates during that time.

Farm Bureau generally has the most affordable auto insurance rates for Georgia drivers with an at-fault accident on their record, with an average rate of $1,460 a year.

Auto-Owners is the next cheapest, though at an average of $2,083, it usually costs much more than a Farm Bureau policy.

Cheapest car insurance companies after an accident

CompanyAverage annual rate
Farm Bureau$1,460
Auto-Owners$2,083
State Farm$2,238
Allstate$2,891
Progressive$3,995
Geico$4,099
USAA*$2,258

Rates are for full-coverage car insurance for a 30-year-old male with one accident.

*USAA coverage is limited to military and their families

At $2,523 a year, Allstate has the cheapest car insurance rates for Georgia drivers with a DUI (driving under the influence) conviction on their record.

Farm Bureau is the next cheapest at $2,580 a year.

Cheapest car insurance companies after a DUI

CompanyAverage annual rate
Allstate$2,523
Farm Bureau$2,580
Auto-Owners$2,760
Progressive$3,266
State Farm$5,873
Geico$6,967
USAA*$3,134

Rates are for full-coverage car insurance for a 30-year-old male with one DUI.

*USAA coverage is limited to military and their families

You will almost certainly see your auto insurance rates increase after a DUI, since insurance companies consider drivers with a DUI to be some of the highest risks for an accident. You may even see your policy canceled or be denied a new one.

If you have your license suspended because of a DUI, then you will need to file an SR-22 with the DMV in order to get it reinstated.

The SR-22 is proof that you carry Georgia’s minimum required liability insurance. You are required to carry the SR-22 for three consecutive years.

Farm Bureau has the cheapest average rate for Georgia drivers with poor credit, at $1,334 a year, while Allstate is the next-least expensive.

Cheapest car insurance companies for drivers with poor credit

CompanyAverage annual rate
Farm Bureau$1,334
Allstate$2,796
Geico$3,276
Progressive$3,633
Auto-Owners$3,801
State Farm$7,392
USAA*$2,855

Rates are for full-coverage car insurance for a 30-year-old male with poor credit.

*USAA coverage is limited to military and their families

Poor credit can raise your car insurance rates, as insurers consider drivers with a low credit score as more likely to file a claim. However, credit-based insurance scoring is still a controversial issue, with some states limiting the practice.

Of the 25 biggest cities in Georgia, Valdosta has the cheapest car insurance rates, with an average of $1,379 a year.

East Point, in Fulton County, GA, has the most expensive average rates, at $2,607 yearly.

Car insurance rates by city in Georgia

CityAnnual rate
Albany$1,608
Alpharetta$1,911
Athens$1,660
Atlanta$2,289
Augusta$1,712
Canton$1,789
Columbus$1,777
Douglasville$2,155
Dunwoody$2,022
East Point$2,607
Gainesville$1,785
Johns Creek$2,015
Marietta$2,093
Milton$1,875
Newnan$1,786
Peachtree City$1,751
Rome$1,726
Roswell$1,923
Sandy Springs$1,985
Savannah$1,875
Smyrna$2,078
Tucker$2,168
Valdosta$1,379
Warner Robins$1,719
Woodstock$1,882

Rates are for full-coverage car insurance for a 30-year-old male with a clean driving record.

Minimum coverage for car insurance in Georgia

Georgia state law requires drivers to carry the following liability car insurance limits:

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

Unless stated otherwise, we looked at thousands of car insurance quotes in Georgia for a 30-year-old man with good credit and no tickets, accidents or convictions for driving under the influence, using a 2015 Honda Civic EX.

The following coverage limits were used:

  • Bodily injury liability: 50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive $500 deductible