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:

Quick Facts

The average cost of liability-only insurance in Georgia is higher than the national average cost.
Georgia state law requires 25/50/25 minimum liability limits.
Georgia is an at-fault state, which means the driver responsible for an accident is financially responsible for damages.

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]

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	Average Monthly Quote: Liability	Average Monthly Quote: Full Coverage	Best for
Hugo	3.0	$54	$63	On-demand insurance
Auto-Owners	4.0	$64	$90	Full coverage
Mile Auto	3.4	$77	$115	Seniors

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

Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

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

full coverageAuto-Owners

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.1
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	837
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$64/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$90/mo

Overview

Founded in 1916, Auto-Owners is a well-established super-regional insurer that offers numerous discounts to lower your car insurance costs.

Pros and cons

Pros

Has plenty of discounts for customers to reduce premiums
Offers at-fault accident forgiveness

Cons

No online quotes available
Lower mobile app rating than other insurers

Reviews

I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.

Dean - April 26, 2019

Verified

Good customer service

Debora - February 12, 2019

Verified

Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.

Dixie - February 12, 2018

Verified

Read our Auto-Owners review

Cheapest insurance for senior drivers: Mile Auto

senior driversMile Auto

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.4
A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).	NR
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$77/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$115/mo

Overview

Mile Auto is a pay-per-mile insurtech company. Drivers pay a monthly base rate, depending on their personal factors, plus a per-mile rate.

Pros and cons

Pros

Doesn’t require a telematics device
Certain low-mileage drivers can save 30% to 40% off their current rates

Cons

No discounts or bundles available
Customers can’t manage their policies online

Cheapest insurance for on-demand insurance: Hugo

on-demand insuranceHugo

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	Not rated
A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).	NR
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$54/mo

Overview

Launched in 2021, Hugo is an on-demand auto insurance company that allows you to pay for insurance only when you need to use it. Drivers can turn coverage on and off as needed.

Pros and cons

Pros

Three different plans available for flexible on-demand coverage
Offers cash rewards

Cons

Full coverage isn’t available in Georgia
Your daily rate may change after turning off coverage and turning it back on

Reviews

Very helpful in times of need.

Alessandra - July 14, 2023

Verified

I love it.

Jamaica - July 12, 2023

Verified

Read our Hugo review

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: Monday, September 18 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	54
Auto-Owners	64
State Farm	68
COUNTRY Financial	69
Allstate	75
Mile Auto	77
USAA	80
Progressive	94
GEICO	111
Safeco	118
Liberty Mutual	124
Mercury	125
AssuranceAmerica	128
Direct Auto	129
National General	132
Clearcover	133
Elephant	137
State Auto	140
GAINSCO	146
Infinity	160
Midvale Home & Auto	169
Bristol West	204
The General	213
Foremost	247

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: Monday, September 18 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	154
GEICO	156
Direct Auto	171
Nationwide	174
Mercury	184
Elephant	191
Safeco	197
Clearcover	218
AssuranceAmerica	221
State Auto	222
Liberty Mutual	223
Midvale Home & Auto	229
National General	271
GAINSCO	288
Foremost	310
Infinity	312
The General	336
Bristol West	365

Estimate your Georgia car insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 35%

I’m a homeowner

Save 5%

I’m married

Save 24%

I have multiple cars

Save 39%

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]

Find Car Insurance in Georgia

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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: Monday, September 18 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	76	89
Auto-Owners	91	127
State Farm	96	137
COUNTRY Financial	98	139
Allstate	106	149
Mile Auto	109	163
USAA	113	160
Progressive	133	200
GEICO	157	221
Safeco	167	279
Liberty Mutual	175	316
Mercury	177	260
AssuranceAmerica	181	313
Direct Auto	183	242
National General	187	383
Clearcover	188	308
Elephant	194	270
State Auto	198	314
GAINSCO	207	408
Infinity	226	441
Midvale Home & Auto	239	324
Bristol West	289	516
The General	301	475
Foremost	350	439

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: Monday, September 18 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	80	94
Auto-Owners	95	134
State Farm	101	144
COUNTRY Financial	103	146
Allstate	112	156
Mile Auto	114	171
USAA	119	168
Progressive	140	210
GEICO	165	232
Safeco	175	293
Liberty Mutual	184	332
Mercury	186	274
AssuranceAmerica	190	329
Direct Auto	192	254
National General	196	403
Clearcover	198	324
Elephant	204	284
State Auto	208	330
GAINSCO	217	428
Infinity	238	464
Midvale Home & Auto	251	340
Bristol West	303	543
The General	317	500
Foremost	367	461

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: Monday, September 18 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	91	106
Auto-Owners	108	152
State Farm	115	164
COUNTRY Financial	116	165
Allstate	127	177
Mile Auto	130	194
USAA	135	191
Progressive	159	238
GEICO	187	263
Safeco	199	332
Liberty Mutual	209	376
Mercury	211	310
AssuranceAmerica	216	373
Direct Auto	218	288
National General	223	457
Clearcover	224	368
Elephant	231	322
State Auto	236	374
GAINSCO	246	486
Infinity	270	526
Midvale Home & Auto	285	386
Bristol West	344	616
The General	359	567
Foremost	417	523

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: Monday, September 18 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	96
Mercury	114
Liberty Mutual	138
National General	168
Foremost	192

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: Monday, September 18 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	207
Progressive	253
Mercury	331
Elephant	343
Clearcover	392
National General	487

How to get the cheapest car insurance in Georgia

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

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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:

Rates by Credit Tier

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

Georgia car insurance FAQs

Check out Insurify’s guides on SR-22 insurance and how to get a driver’s license in the Peach State for more information on Georgia car insurance.

How much is car insurance in Georgia?
Car insurance in Georgia costs an average of $250 a month for full coverage and $138 a month for liability only.
What company has the cheapest car insurance rates in Georgia?
Drivers can find the cheapest rates in Georgia with Auto-Owners and State Farm, which have liability rates as low as $64 and $68, respectively.
What are the best car insurance companies in Georgia?
Auto-Owners and State Farm are two of the best traditional car insurance companies in Georgia, based on their low average rates, J.D. Power customer satisfaction, and A.M. Best financial strength ratings. However, insurtech companies like Hugo and Mile Auto offer usage-based insurance for people who want lower rates based on how much they drive. It's worth noting that many standard national and regional insurance companies also offer UBI programs that can help drivers reduce car insurance costs.
Is car insurance cheap in Georgia?
Not when compared to national averages. Average car insurance rates in Georgia are more expensive than the national averages of $253 for full coverage and $170 for liability only.
Is Georgia a no-fault state?
No, Georgia is an at-fault state. Georgia drivers who are responsible for car accidents pay for the other parties’ injuries and property damage through their liability insurance.

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

#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

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%
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 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%
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%
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%
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.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

More cities in Georgia

More states

Sources

III. "What determines the price of an auto insurance policy?." Accessed June 15, 2023
Nolo. "Georgia Car Accident Laws and Statute of Limitations." Accessed June 16, 2023
Justia. "O.C.G.A. 51-12-33 (2010)." Accessed June 16, 2023
Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance." Accessed June 16, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed June 16, 2023
National Highway Traffic Safety Administration. "Traffic Safety Facts 2020 Data - June 2022." Accessed June 16, 2023
III. "Senior driving safety and insurance tips." Accessed June 16, 2023
Insurance Institute for Highway Safety. "Teenagers." Accessed June 16, 2023

Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

Courtney MikulskiSenior Editor, Auto

3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

View Full Bio

Featured in

Reviewed byMark FriedlanderDirector, Corporate Communications

Mark FriedlanderDirector, Corporate Communications

Corporate communications director for Insurance Information Institute
20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Read Editorial Guidelines

View Full Bio

Data reviewed byKonstantin HalachevVice President of Engineering

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

Save up to $717 by comparing quotes from the top 70+ insurance companies

Table of contents

Table of contentsCompare quotes

Cheapest car insurance companies in Georgia

Cheapest insurance for full coverage: Auto-Owners

full coverageAuto-Owners

Cheapest insurance for senior drivers: Mile Auto

senior driversMile Auto

Cheapest insurance for on-demand insurance: Hugo

on-demand insuranceHugo

How to get the cheapest car insurance in Georgia

Cheapest liability-only car insurance in Georgia: Hugo

Cheapest full-coverage car insurance in Georgia: Hugo

Estimate your Georgia car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Georgia

Bodily injury liability

Property damage liability

Cheapest car insurance for drivers with an incident

Find Car Insurance in Georgia

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors: Mile Auto

Cheapest car insurance for teens: Mile Auto

How to get the cheapest car insurance in Georgia

Find Car Insurance in Georgia

Georgia car insurance quotes by credit tier

Rates by Credit Tier

Georgia car insurance FAQs

Insurify Insights

How Georgia Drivers Measure Up

Honda Accord

#14

#9

#33

#50

Methodology

Related articles

More cities in Georgia

More states

Sources

Compare Car Insurance Quotes Instantly

Latest Articles

Prolonged UAW Strike Could Drive Up Car Insurance Rates Even Further

Car Insurance Rates by ZIP code (2023)

How to get cheap car insurance

Cost of Ford Car Insurance (2023)

The 2023 Guide to Car Insurance Discounts

Cost of Toyota Camry Car Insurance (2023)

Table of contents