Cheapest Auto Insurance in Georgia (2023)

Georgia drivers pay an overall average of $194 per month for car insurance, according to Insurify data. For liability-only coverage, the state average is $138, and $250 for full-coverage car insurance.

Finding cheap car insurance in Georgia can depend on various factors, including your driving history, your age, and even your credit history.^[1] That said, Insurify data shows that the cheapest insurance companies in the Peach State have average prices lower than the state average monthly costs for full-coverage auto insurance and liability-only coverage. Comparing car insurance quotes is the best way to find affordable coverage for your needs.

Here’s what you need to know about finding cheap car insurance in Georgia, no matter your situation:

Cheapest car insurance companies in Georgia

Finding inexpensive car insurance may feel out of your control since insurance companies ultimately determine your rates. “Insurers use more than a dozen personal rating factors to determine the cost of your auto insurance policy,” says Mark Friedlander, Insurance Information Institute director of corporate communications.

But that doesn’t mean drivers have no control over their premium costs. Friedlander adds that “most [factors] are things a driver can control, such as motor vehicle record, credit-based insurance score, [and] claims history.”

While demographic factors, such as marital status, location, age, and gender, can also affect your rates, maintaining a clean driving record and credit history, as well as limiting your claims, can go a long way to keeping your insurance costs low.^[1]

Finding the right insurance company for your specific needs also helps lower your costs. The best insurance for you will depend on your situation. For example, a driver looking for full-coverage insurance, a driver older than 75, and a driver with a DUI on their record may find the best prices for their situation from different insurance companies.

Cheapest insurance for full coverage: Auto-Owners

Cheapest insurance for senior drivers: Mile Auto

Cheapest insurance for on-demand insurance: Hugo

How to get the cheapest car insurance in Georgia

The cost of auto insurance in Georgia depends on a number of factors. Some of those factors are under your control. These include your driving record, the type of car you drive, the number of miles you drive, and how much insurance coverage you purchase. But other factors are out of your control — such as your age, gender, and location.^[1]

But even though you can’t control all the factors that determine your insurance premiums, here are several strategies you can adopt to find the cheapest car insurance in Georgia:

• Shop around. Comparing quotes from multiple insurers is the best way to find the coverage you need at a price you can afford.

• Increase your deductible. A higher deductible means lower premiums. Just have a plan for paying the higher deductible if you need to file a claim.

• Bundle insurance. Many insurance companies offer discounts to buyers who get their auto and homeowners insurance from them.

• Drive defensively. Maintaining a clean driving record is one of the best ways to get and keep low insurance rates.

Cheapest liability-only car insurance in Georgia: Hugo

Drivers who want to lower their insurance costs may choose a liability-only insurance policy. This kind of policy will only cover the costs of property damage or bodily injury to a third party. If you cause an accident, your liability coverage will pay for damage and medical expenses for the person you hit. It won’t pay to repair or replace your car or pay for the medical care you or your passengers may need.

Hugo offers the cheapest liability-only rates in Georgia. The following insurance companies also offer cheap liability-only car insurance in the Peach State.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Hugo	55
Auto-Owners	64
State Farm	68
COUNTRY Financial	69
Allstate	74
Mile Auto	76
USAA	80
Progressive	94
GEICO	110
Safeco	117
Mercury	123
Liberty Mutual	125
AssuranceAmerica	128
Direct Auto	129
Clearcover	131
National General	132
Elephant	137
State Auto	141
GAINSCO	147
Infinity	160
Nationwide	164
Midvale Home & Auto	169
Bristol West	208
The General	211
Foremost	237

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Georgia: Hugo

Full-coverage car insurance offers drivers more financial protection than liability-only coverage. In addition to liability, a full-coverage policy also provides collision coverage, which pays for damage to your vehicle if you cause an accident, and comprehensive coverage, which pays for the loss or damage of your car because of something other than an accident, such as weather or theft.

Hugo offers the cheapest full-coverage rates in Georgia, starting at $63 per month. The following insurers also offer the cheap full-coverage insurance in Georgia.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Hugo	63
Auto-Owners	90
State Farm	97
COUNTRY Financial	98
Allstate	105
USAA	113
Mile Auto	115
Progressive	141
Travelers	153
GEICO	156
Direct Auto	172
Mercury	183
Elephant	191
Safeco	195
Nationwide	205
Clearcover	217
AssuranceAmerica	221
Liberty Mutual	224
State Auto	224
Midvale Home & Auto	230
National General	272
GAINSCO	290
Infinity	311
The General	337
Foremost	341
Bristol West	369

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Georgia

Georgia is an at-fault state, which means that the person at fault for causing an accident is responsible for paying damages.^[2] If you cause an accident, your liability insurance pays for the other party’s damages.

But what if there is an accident and both parties are partially to blame? Under Georgia’s modified comparative negligence law, any party who is less than 50% responsible for an accident is eligible to receive compensation, although the percentage of blame may reduce the compensation amount.^[3] Here are the state-minimum insurance requirements in Georgia:^[4]

Bodily injury liability

• $25,000 per person

• $50,000 per accident

Property damage liability

• $25,000 per accident

These minimum requirements are just that: the bare minimum necessary to legally drive in Georgia. Peach State drivers may purchase policies with higher liability coverage and may also purchase additional coverages, such as:

• Comprehensive coverage pays for damage to your vehicle due to events other than accidents. This includes theft, fire, flood, and weather-related damage.

• Collision coverage, which pays to repair your vehicle if you’re the at-fault party in an accident. It covers collisions with other vehicles, and objects such as trees, fences, and light poles. It also covers damage from rollover accidents.

• Uninsured/underinsured motorist coverage, which pays for damages if you’re in a car accident and the at-fault driver doesn’t have insurance or has too little insurance.

Cheapest car insurance for drivers with an incident

An “incident” on your driving record can increase your insurance premiums. Whether it was an at-fault accident, speeding ticket, or DUI, your insurance company will take notice of any serious moving violation, as it can indicate that you’re at a higher risk of getting into a collision and making a claim.^[5]

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Cheapest car insurance for drivers with a speeding ticket

Driving faster than the speed limit can seem like no big deal, but there’s an excellent reason why Georgia state troopers introduced Operation Slow Down in 2022: Speeding is dangerous. The National Highway Traffic Safety Administration reports that 23% of traffic fatalities in Georgia in 2020 were speeding-related.^[6]

Receiving a speeding ticket is a good reminder to take it easy on the gas pedal. But your insurance premiums can rise for several years due to the increased risk of high-speed collisions. The average cost of full coverage for Georgia drivers with speeding tickets is $354 per month.

The cheapest car insurance in Georgia for drivers with a speeding ticket comes from:

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Hugo	78	89
Auto-Owners	91	128
State Farm	97	138
COUNTRY Financial	98	139
Allstate	105	149
Mile Auto	108	163
USAA	114	161
Progressive	134	200
GEICO	156	222
Safeco	166	277
Mercury	175	260
Liberty Mutual	178	318
AssuranceAmerica	182	314
Direct Auto	183	244
Clearcover	186	308
National General	187	386
Elephant	195	271
State Auto	200	318
GAINSCO	209	412
Infinity	227	442
Nationwide	233	291
Midvale Home & Auto	240	327
Bristol West	295	524
The General	300	479
Foremost	337	484

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

Drivers with an at-fault accident on their record see an average rate increase of 26% in Georgia, although the specific rate increase may vary depending on the severity of the accident, your driving record, and other factors. For example, slipping on an icy road and causing a fender bender is likely to result in a lower rate increase than speeding through a red light and T-boning another car.^[5]

In Georgia, the overall average cost of car insurance for drivers with an accident is $288 per month. The following table shows some of the least expensive insurance companies for drivers with an at-fault accident in the state.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Hugo	82	94
Auto-Owners	95	134
State Farm	101	144
COUNTRY Financial	103	146
Allstate	110	156
Mile Auto	113	171
USAA	119	168
Progressive	140	210
GEICO	164	232
Safeco	174	290
Mercury	183	272
Liberty Mutual	186	333
AssuranceAmerica	191	329
Direct Auto	192	256
Clearcover	195	323
National General	196	405
Elephant	204	284
State Auto	210	333
GAINSCO	219	432
Infinity	238	463
Nationwide	244	305
Midvale Home & Auto	252	342
Bristol West	310	549
The General	314	502
Foremost	353	508

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Driving under the influence is dangerous to the intoxicated driver and all the other drivers and pedestrians on the road. The police take DUIs very seriously, as do insurance companies, and receiving a DUI could result in much higher premiums for several years, or the possibility of your insurer not renewing your policy.5 Penalties for a DUI in Georgia include driver's license and registration suspension, significant fines, and even the possibility of jail time.

On average, Georgia drivers with a DUI pay $422 per month for full coverage, and $233 for liability-only insurance. However, several insurance companies in Georgia provide coverage to drivers with a DUI at a more affordable price. These companies include:

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Hugo	93	106
Auto-Owners	108	152
State Farm	115	164
COUNTRY Financial	117	165
Allstate	125	177
Mile Auto	128	194
USAA	135	191
Progressive	159	238
GEICO	186	263
Safeco	198	329
Mercury	208	309
Liberty Mutual	211	378
AssuranceAmerica	216	373
Direct Auto	218	290
Clearcover	221	366
National General	223	459
Elephant	231	323
State Auto	238	378
GAINSCO	248	490
Infinity	270	525
Nationwide	277	346
Midvale Home & Auto	285	388
Bristol West	351	623
The General	356	569
Foremost	400	576

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Age has its privileges — including lower auto insurance premiums. Generally, insurance rates begin to decrease for drivers around age 25, as these drivers have both more maturity and experience behind the wheel than their younger counterparts.

Once you turn 75, however, you may see your auto insurance rates going up again. That’s because seniors, despite their decades of experience, may start having slower reflexes and other potential declines that make them more likely to get into an accident.^[7]

Senior drivers in Georgia pay a monthly average of $104 for liability-only car insurance, and $188 for full coverage. The following insurers offer cheap car insurance for seniors in Georgia.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Mile Auto	71
Progressive	87
Travelers	95
Mercury	113
Liberty Mutual	139
National General	168
Foremost	211

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

Teen drivers tend to pay the highest insurance rates of any age demographic. Not only are these young drivers inexperienced, but they’re also much more prone to engage in risky behavior, such as dangerous driving.^[8] That combination means teens are more likely to get into accidents, and insurance companies charge rates that reflect that likelihood.

Teens can reduce their car insurance costs in various ways, such as:

• Remaining on their parents’ insurance policies

• Driving a safe car; the Insurance Institute for Highway Safety offers recommendations for safe, practical, and affordable cars for teens

• Getting good grades, as many insurers offer good student discounts

• Enrolling in a defensive driving course

Teen drivers in Georgia pay an average of $449 per month for full-coverage car insurance, and $248 for liability only. Young drivers in Georgia may want to explore rates from the cheapest insurance companies for teens, which include:

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Mile Auto	206
Progressive	253
Mercury	329
Elephant	343
Clearcover	390
National General	488

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Georgia

The cost of auto insurance in Georgia depends on a number of factors. Some of those factors are under your control. These include your driving record, the type of car you drive, the number of miles you drive, and how much insurance coverage you purchase. But other factors are out of your control — such as your age, gender, and location.^[1]

But even though you can’t control all the factors that determine your insurance premiums, here are several strategies you can adopt to find the cheapest car insurance in Georgia:

• Shop around. Comparing quotes from multiple insurers is the best way to find the coverage you need at a price you can afford.

• Increase your deductible. Choosing higher deductibles for collision and comprehensive coverage means lower premiums. Just have a plan for paying the higher deductible if you need to file a claim.

• Bundle insurance. Many insurance companies offer discounts to buyers who get their auto and homeowners insurance from them.

• Drive defensively. Maintaining a clean driving record is one of the best ways to get and keep low insurance rates.

Find Car Insurance in Georgia

Rates start as low as $54 for liability coverage

Enter your ZIP codeGet My Quotes

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Georgia car insurance quotes by credit tier

Though it may seem unrelated to your likelihood of getting into a car accident, auto insurers in Georgia take your credit-based insurance score into account when determining your premiums. Drivers with good to excellent credit will generally have much lower premiums than those with fair credit or poor credit. This means working to improve your credit score can help you lower your auto insurance premiums.

Here are the average monthly auto insurance premiums in Georgia by credit tier:

Georgia car insurance FAQs

Insurify Insights

How Georgia Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Georgia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Georgia drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Accord

Most Popular Car in Georgia

#14

State with the Most Speeding Tickets Rank

#9

State with the Moving Violations Rank

#33

State with the Most DUIs Rank

#50

State with the most Suspended Licenses

• Accidents in Georgia

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Georgia is the #5 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #5
  • Percent of drivers in Georgia with an accident: 11.1%
• DUIs in Georgia

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Georgia is the #33 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #33
  • Percent of drivers in Georgia with a DUI: 1.2%
• Reckless Driving in Georgia

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Georgia is the #6 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #6
  • Percent of drivers in Georgia with a reckless driving offense: 2%
• Rude Driving in Georgia

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Georgia is the #4 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #4
  • Percent of drivers in Georgia with a rude driving violation: 2.6%
• Speeding in Georgia

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Georgia is the #14 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #14
  • Percent of drivers in Georgia with a speeding ticket: 10.4%
• Failure to Yield Rates in Georgia

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Georgia is the #20 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #20
  • Percent of drivers in Georgia with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.