Cheapest Car Insurance in Georgia (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: Sonoma State University (BA in English)
Aaron Besson has worked at LendingTree for more than seven years and has been a staff writer for the last five years. He specializes in producing research-backed content about auto, home and renters insurance. Aaron enjoys the deep dig into insurance data to get the right answers to hard questions. His work has been cited by CBS, iHeart Radio, the Sacramento Bee and Yahoo.
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.
Cheapest insurance companies in Georgia
Cheapest full-coverage car insurance in Georgia: Farm Bureau
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
| Company | Average 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 |
*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.
Cheapest Georgia liability-only coverage: Auto-Owners
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
| Company | Average annual rate |
|---|---|
| Auto-Owners | $500 |
| Farm Bureau | $569 |
| Progressive | $838 |
| State Farm | $970 |
| Geico | $971 |
| Allstate | $972 |
| USAA* | $711 |
Liability-only car insurance covers the medical bills of others and your court costs that result from an accident you’re responsible for.
Cheapest rates for young drivers in Georgia: Farm Bureau
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
| Company | Average 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 |
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.
Cheapest rates after a speeding ticket in Georgia: Auto-Owners
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
| Company | Average 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 |
In Georgia, a speeding ticket usually stays on your record for two years. You will probably see higher car insurance rates during that time.
Cheapest rates after an accident in Georgia: Farm Bureau
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
| Company | Average 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 |
Best rates after a DUI in Georgia: Allstate
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
| Company | Average 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 |
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.
Best Georgia rates for bad credit: Farm Bureau
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
| Company | Average 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 |
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.
Best car insurance companies in Georgia
USAA and Auto-Owners are some of the best car insurance companies in Georgia because of their affordable rates, dependable customer service and coverage options.
| Company | LendingTree score | J.D. Power customer satisfaction |
|---|---|---|
| State Farm | 4.5 | 842 |
| USAA* | 4.1 | 881 |
| Progressive | 3.8 | 819 |
| Geico | 3.7 | 835 |
| Allstate | 3.2 | 824 |
| Farm Bureau | Not rated | - |
| Auto-Owners | Not rated | 837 |
Auto-Owners
- Low full-coverage average rate of $1,458 a year
- 26% lower than state average
- Low NAIC complaint rating: 0.49
Pros
Cheap rates
Several optional coverages and discounts
Cons
Doesn’t offer online quotes
Auto-Owners has cheap car insurance rates and offers personalized coverage. Auto-owners rates average $122 a month for a full-coverage policy and $42 a month for liability car insurance.
Auto-Owners also offer some unique coverages. For instance, if you’re insured with Auto-Owners for both your home and car and they are damaged from the same loss or event, Auto-Owners will reduce your deductible by the amount of the personal property deductible.
On the flip side, unlike many of its competitors, potential customers can’t compare quotes online and will need to talk to an agent to get a quote.
USAA
- Low full-coverage average rate of $1,562 a year
- 17% lower than state average
- AM Best’s financial strength rating: A++
Pros
Cheap rates
Excellent customer service
Great discount if storing your vehicle
Cons
Only available to military members, veterans and their families
Limited optional coverages
USAA offers cheap car insurance rates in Georgia and is known for its great customer service. USAA rates average $130 a month for a full-coverage policy and $59 a month for liability car insurance.
USAA also offers great savings. You can save up to 60% if you’re deployed and storing your car or if you’re storing your car for any other reason.
However, only active military, veterans and their families can get insurance from USAA.
Georgia insurance rates by city
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
| City | Annual 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 |
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
Methodology
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
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.
For 3rd party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.