Cheapest Auto Insurance in Georgia (2023)

Georgia drivers pay an overall average of $197 per month for car insurance, according to Insurify data. For liability-only coverage, the state average is $143, and $252 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: Thursday, November 30 at 11:00 AM PST. 

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	63
State Farm	68
COUNTRY Financial	69
Allstate	74
Mile Auto	76
USAA	79
Progressive	94
GEICO	109
Safeco	112
Mercury	116
Clearcover	127
Liberty Mutual	127
Direct Auto	129
AssuranceAmerica	130
National General	132
Elephant	136
State Auto	139
GAINSCO	150
Infinity	160
Nationwide	163
Midvale Home & Auto	168
The General	208
Bristol West	217

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: Thursday, November 30 at 11:00 AM PST. 

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	96
COUNTRY Financial	97
Allstate	105
USAA	112
Mile Auto	113
Progressive	141
Travelers	153
GEICO	155
Direct Auto	174
Mercury	178
Safeco	186
Elephant	189
Foremost	200
Clearcover	210
Nationwide	212
AssuranceAmerica	220
State Auto	222
Midvale Home & Auto	225
Liberty Mutual	225
National General	272
GAINSCO	300
Infinity	311
The General	339
Bristol West	386

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 $357 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: Thursday, November 30 at 11:00 AM PST. 

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	87
Auto-Owners	83	118
State Farm	86	122
COUNTRY Financial	90	127
Allstate	95	135
USAA	101	144
Progressive	126	188
GEICO	140	200
Liberty Mutual	154	272
Safeco	155	257
Mercury	167	256
Clearcover	168	278
National General	171	353
Direct Auto	174	235
Elephant	176	244
AssuranceAmerica	180	304
GAINSCO	188	375
State Auto	199	319
Nationwide	211	275
Infinity	218	423
Midvale Home & Auto	226	303
The General	274	447
Bristol West	281	500

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 $291 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: Thursday, November 30 at 11:00 AM PST. 

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	73	84
Auto-Owners	86	123
State Farm	91	129
COUNTRY Financial	97	136
Allstate	100	142
USAA	107	152
Progressive	134	201
GEICO	148	211
Liberty Mutual	158	279
Safeco	166	276
Mercury	174	268
National General	180	371
Direct Auto	184	248
Elephant	185	258
AssuranceAmerica	186	315
GAINSCO	200	401
Clearcover	201	332
State Auto	208	332
Infinity	213	415
Nationwide	222	289
Midvale Home & Auto	245	328
The General	290	473
Bristol West	291	517

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 $423 per month for full coverage, and $240 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: Thursday, November 30 at 11:00 AM PST. 

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	83	95
Auto-Owners	102	145
State Farm	110	155
COUNTRY Financial	111	157
Allstate	119	169
Mile Auto	123	182
USAA	128	181
Progressive	152	228
GEICO	176	250
Safeco	181	300
Mercury	181	278
Direct Auto	190	256
Clearcover	205	339
Liberty Mutual	205	363
AssuranceAmerica	210	355
National General	213	439
Elephant	220	305
State Auto	224	358
GAINSCO	242	484
Infinity	258	502
Nationwide	263	342
Midvale Home & Auto	271	363
The General	336	547
Bristol West	350	623

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 $110 for liability-only car insurance, and $194 for full coverage. The following insurers offer cheap car insurance for seniors in Georgia.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

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
Progressive	69
Mile Auto	71
Travelers	93
Mercury	115
Liberty Mutual	144
National General	194

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 $447 per month for full-coverage car insurance, and $253 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: Thursday, November 30 at 11:00 AM PST. 

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	212
Progressive	254
Elephant	311
Mercury	328
Clearcover	375
National General	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.

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 $55 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.