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Cheap Auto Insurance in Georgia 2022

Drivers in Georgia pay rates starting at $100/mo. for car insurance.

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Katie Powers
Written by
Katie Powers
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Written by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Tanveen Vohra
Edited by
Tanveen Vohra
Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.

Updated November 17, 2022

Car insurance costs in Georgia exceed the national average rate of $233 per month at an average rate of $282 per month, making the Peach State the 12th most-expensive state for auto insurance. According to Insurify data, Georgia ranks as the fifth most-accident prone state, which could be at least partially responsible for its higher premiums. With 159 counties, Georgia is the biggest state by size compared to all other states east of the Mississippi River. 

Shopping around to compare quotes from multiple insurance providers is the most effective way to find affordable car insurance.

Quick Facts

  • The average cost of car insurance in Georgia is $282/mo.

  • State Farm is the cheapest provider in Georgia with average rates of $145/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Georgia: State Farm

1
State Farm logo

State Farm

Best Cheap Car Insurance in Georgia
Average Monthly Cost:
$145
Insurify Composite Score:
88

Our data scientists use the latest tools and technology to gather data on the best auto insurance companies in the state of Georgia and calculate an Insurify Composite Score (ICS) for each, reflecting the quality and reliability of an insurance provider. With an ICS of 88 and an average monthly quote of $145, State Farm leads the list of the best insurance providers in Georgia.

Car Insurance CompanyInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.Average Monthly Quote
State Farm88$145
Allstate85$152
American Family89$161
Nationwide89$168
USAA96$175
Erie85$121
Mile AutoN/A$168
Travelers80$178
ProgressiveN/A$182
GEICO88$247
Foremost SignatureN/A$248
Liberty Mutual82$252
Farmers85$253
National General58$255
Safeco86$257
State Auto76$259
ElephantN/A$264
AssuranceAmericaN/A$269
MercuryN/A$273
Midvale Home & AutoN/A$279
Direct AutoN/A$287
Clearcover97$308
InsureMaxN/A$313
Amigo AmericaN/A$357
Bristol WestN/A$358
The GeneralN/A$384
AmicaN/A$501
InfinityN/A$501
ArrowheadN/A$549
Freedom NationalN/A$589
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

What to know about minimum car insurance requirements in Georgia

Georgia requires insurance for all motor vehicles operated or parked on state roadways. If you drive in Georgia, you’ll need to have proof of insurance in your car at all times. And you’ll need to make it available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Georgia[1] are:

  • $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person and $50,000 per accident for uninsured motorist bodily injury and $25,000 per accident for uninsured motorist property damage: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.

Georgia DMV information

Georgia has two agencies that perform the duties of the DMV, the Department of Driver Services[2] and the Motor Vehicle Division of the Georgia Department of Revenue. The Department of Driver Services is responsible for driver’s licenses and permits, while the Motor Vehicle Division handles vehicle registrations and license plates.

Public transportation in Georgia

The best way to get around Georgia — including the major cities, such as Atlanta — is by car. That said, some statewide and local public transportation[3] is available to residents. The MARTA train and bus system allows Atlanta residents to travel throughout the Metro Atlanta region. Rideshare apps like Lyft and Uber are also widely available in many areas throughout the state.

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Tips for getting cheap car insurance in Georgia

Shopping around is the most effective way to find the best rates for car insurance. Georgia auto insurance companies use factors like your driving record, age, and credit score differently to calculate your car insurance quote, so it is important to see what your options are before committing to one provider. You can easily compare quotes online today.

Other ways to reduce car insurance costs include:

  • Taking a higher deductible.

  • Choosing liability-only coverage (if you can).

  • Keeping your credit score in good shape.

  • Practicing safe driving habits.

  • Taking advantage of car insurance discounts.

Liability-only vs. full-coverage insurance in Georgia

Each state sets its own minimums for how much liability insurance it requires drivers to carry. In Georgia, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Georgia by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
Allstate$127$152
American Family$134$161
Nationwide$142$168
Travelers$137$178
USAA$146$175
Amica$419$501
Amigo America$226$357
Arrowhead$251$549
AssuranceAmerica$196$269
Bristol West$265$358
Clearcover$240$308
Direct Auto$247$287
Elephant$207$264
Erie$101$121
Farmers$211$253
Foremost Signature$172$248
Freedom National$296$589
GEICO$206$247
Infinity$287$501
InsureMax$245$313
Liberty Mutual$159$252
Mercury$229$273
Midvale Home & Auto$208$279
Mile Auto$161$168
National General$152$255
Progressive$152$182
Safeco$155$257
State Auto$173$259
State Farm$206$247
The General$292$384
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your driving history affects Georgia car insurance rates

Your driving history significantly affects your car insurance costs. Drivers whose records are free of serious traffic violations like speeding tickets or reckless driving are considered good drivers, and they tend to get the best car insurance rates in Georgia. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Georgia based on driving and accident history.

See More: High-Risk Car Insurance Georgia

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Allstate$135$223$367$182
American Family$143$235$390$192
Farmers$108$177$294$145
Nationwide$171$164N/A$172
USAA$129$213$352$174
Amica$446$736N/A$601
Amigo America$363$356$233$366
Arrowhead$497$722$466$684
AssuranceAmerica$250$374$295$353
Bristol West$330$458$351$428
Clearcover$287$405N/A$368
Direct Auto$252$448$339$390
Elephant$247$333$311$315
Erie$356$586N/A$479
Foremost Signature$234$321$276$321
Freedom National$562$745$671$649
GEICO$225$371$613$303
Infinity$468$621$555$610
InsureMax$284$414$255$393
Liberty Mutual$240$300$355$296
Mercury$241$391$354$353
Midvale Home & Auto$243$422$410$379
Mile Auto$161$222$148$228
National General$217$383$236$332
Progressive$162$267$442$218
Safeco$249$279$291$305
State Auto$225$356N/A$331
State Farm$220$363$600$296
The General$352$510$418$469
Travelers$174$185$180$214
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Georgia

SR-22 insurance in Georgia

If you’re penalized for driving under the influence, you’ll likely be required to obtain a special SR-22 form before you can get back on the road. An SR-22 proves that you carry the minimum car insurance required by the state of Georgia and are financially responsible while driving. The insurance companies below all offer SR-22 insurance for drivers in Georgia.

How credit scores affect Georgia car insurance quotes

Georgia permits car insurance companies to consider your credit history when determining your car insurance premiums — not all states allow it. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$223
Good$262
Average$288
Poor$446
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance Georgia

How your city affects Georgia car insurance quotes

Your car insurance rates depend on where you live in Georgia and can vary significantly from city to city. Drivers in Atlanta and Decatur can expect the highest average car insurance costs, at $351 and $415 per month, respectively. Alternatively, drivers in Sycamore and Valdosta earn the cheapest rates, at $206 and $221 per month, respectively. Find more rates in the chart below.

CityAverage Monthly Quote
Albany$256
Alpharetta$307
Atlanta$351
Athens$228
Augusta$254
Columbus$266
Cumming$262
Dahlonega$235
Decatur$415
Kennesaw$280
Macon$302
Marietta$278
Milledgeville$303
Roswell$265
Savannah$295
Smyrna$273
Statesboro$296
Sycamore$206
Valdosta$221
Warner Robins$279
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your age affects your Georgia car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$595
Under 25$392
20s$277
30s$246
40s$230
50s$207
60s$207
70s$221
80+$250
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for younger drivers

Drivers younger than 25 generally pay the highest car insurance rates. For example, in Georgia, a liability-only policy from Travelers is the cheapest for a young driver, but it’s also about 32% more than the cost of the same policy for a senior driver.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Liberty Mutual$251$332$351$322
Progressive$202$241$272$230
Travelers$170$201$208$191
Amigo America$343$495$468$518
Arrowhead$352$765N/A$704
AssuranceAmerica$276$384$457$365
Bristol West$383$471$520$451
Clearcover$271$361$385$345
Direct Auto$355$403$483$367
Elephant$255$325$354$314
Foremost Signature$274$377$464$362
Freedom National$386$754N/A$718
Infinity$404$700$777$670
InsureMax$367$452$505$435
Mercury$318$356$413$332
Midvale Home & Auto$309$372$448$325
Mile Auto$230$239$254$234
National General$242$342$439$292
NationwideN/A$180N/AN/A
Safeco$206$329$327$329
State Auto$226$313$410$263
The General$375$477$532$449
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for middle-aged drivers

Car insurance premiums tend to decline for drivers who are older than 65 — especially if they have a clean driving record. In Georgia, Mile Auto offers the lowest monthly cost for minimum coverage for middle-aged drivers.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Nationwide$133$163N/A$330
Progressive$114$157$211$273
Travelers$131$173$163$344
Amigo America$143$227$215$438
Arrowhead$170$373$470$681
AssuranceAmerica$147$207$258$388
Bristol West$200$298$358$553
Clearcover$227$285$327$531
Direct Auto$172$209$268$374
Elephant$175$230$274$428
Foremost Signature$143$207$227$398
Freedom National$246$527$586N/A
Infinity$197$371$421$702
InsureMax$155$218$287$386
Liberty Mutual$136$227$233$438
Mercury$169$225$308$392
Midvale Home & Auto$172$231$285$420
Mile Auto$110$130$168$247
National General$122$197$246$342
Safeco$144$235$234$458
State Auto$152$240$324$432
The General$227$323$396$591
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for senior drivers

Drivers in their 60s and older typically pay the least for car insurance, although their rates can begin to creep upward as they age. Still, their rates are significantly lower in Georgia than those for other age groups. Georgia seniors can score a liability-only policy from Progressive for as little as $100 per month.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Liberty Mutual$128$204$243$190
Progressive$100$143$186$128
Travelers$129$156$155$153
Amigo America$154$227$252$217
Arrowhead$177$339$451$295
AssuranceAmerica$177$207$268$194
Bristol West$174$262$328$242
Clearcover$206$254$346$227
Direct Auto$161$184$245$169
Elephant$165$188$237$173
Foremost Signature$148$189$226$181
Freedom National$236$490$582$470
Infinity$218$354$398$343
InsureMax$160$207$294$185
Mercury$157$187$286$160
Midvale Home & Auto$161$210$280$187
Mile Auto$107$106$117$105
National General$127$202$249$171
Nationwide$136$175N/A$182
Safeco$142$203$211$195
State Auto$164$209$288$189
The General$240$301$382$279
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Georgia car insurance FAQs

  • Top auto insurance providers offering the cheapest car insurance in Georgia include State Farm, Allstate, and American Family. Drivers in the state pay a monthly average of $145 with State Farm, $152 with Allstate, and $161 with American Family for full-coverage car insurance. Mile Auto also provides Georgians with low average rates of just $168 per month.

    Beyond its status as one of the cheapest overall insurers in Georgia, Progressive offers the cheapest average rates for both middle-aged and senior drivers. The cheapest auto insurer by coverage level, regardless of age or driving record, is Allstate, with monthly averages of $127 for liability-only insurance and $152 for full-coverage insurance.

  • Georgia is the 11th most-dangerous state to drive in, and 19% of drivers in the state have a car incident on their record. Specifically, Georgia ranks seventh in the country for the number of auto accidents by drivers in the state. Georgians with a past DUI or at-fault accident pay the highest rates by driving history, especially compared to those with clean records.

    Your specific location within the state will significantly impact your premium. Drivers in Atlanta face some of the highest rates, largely due to population density and high traffic congestion, which make accidents more likely. We found that Atlanta had a congestion level of 26% and ranks 10th on the list of American cities with the most traffic.

  • On average, Georgia drivers spend $282 per month for car insurance coverage, with an annual rate of $3,384. This average exceeds the national average rate of $233 per month and makes it the 12th most-expensive state for purchasing auto insurance coverage. Auto rates are cheaper in nearby states of Alabama, South Carolina, and Tennessee but more expensive in Florida.

    Based on our data, however, Georgia car insurance rates have actually decreased by around 8% since 2019. Given the industry conditions and supply chain issues, this trend may shift in the other direction. Premiums ultimately depend on individual factors like driving history, vehicle type, chosen coverage type, location in Georgia, and more.

  • With an Insurify Composite Score of 96 and a low average monthly rate of $175, the best top car insurance company in Georgia is USAA. Additional top companies include American Family, with an average rate of $161 per month, and Nationwide, with an average rate of $168 per month. Smaller insurance providers, like Safeco and Clearcover, also offer quality coverage.

    Nationwide earned strong financial ratings, with an A+ from A.M. Best, an A1 from Moody’s, and an A+ from Standard & Poor’s. The 2022 J.D. Power Auto Insurance Study[4] shows Nationwide with an above-average customer satisfaction rating in the Southeast region, where Georgia is.

  • No, you are not required to carry personal injury protection (PIP) coverage in Georgia. MedPay, or medical payments coverage, is optional insurance in the state. Required car insurance coverages in the state include bodily injury liability, property damage liability, and uninsured motorist coverage.

    As an at-fault state, Georgia drivers who find themselves at fault for an auto accident must also take on the financial responsibility for any resulting expenses. These costs must be paid through insurance coverage or out of pocket.

  • Georgia law mandates car insurance. Minimum car insurance requirements in the state include:

    • $25,000 per person and $50,000 per accident for bodily injury liability coverage

    • $25,000 per accident for property damage liability coverage

    • $25,000 per person and $50,000 per accident for uninsured motorist bodily injury coverage

    • $25,000 per accident for uninsured motorist property damage coverage[5]

    Bodily injury and property damage liability cover costs like medical bills and vehicle repairs for other parties involved in an accident you cause. Underinsured/uninsured motorist coverage protects you if a person without adequate coverage causes an accident with you. Personal injury protection (PIP) coverage is not required in the state.

  • Like in most states, Georgia car insurance typically follows the vehicle rather than the driver. This means that if a nonowner borrowed and crashed your vehicle, your insurance coverage for the vehicle would be the main source of financial protection for any claims and coverage. The car insurance of the borrower would come into effect afterward, when and if applicable.

    As long as the person who borrowed your vehicle has an up-to-date driver’s license, there should be no major issues accessing your vehicle coverage. Never let drivers without a license, or with a suspended or revoked license, drive your vehicle.

  • Full-coverage car insurance in Georgia extends coverage beyond the state’s minimum liability coverage requirements. Beyond liability and uninsured/underinsured motorist coverage, full-coverage insurance also includes collision and comprehensive coverage. Not all drivers benefit from a more robust policy, but drivers with expensive vehicles tend to.

    Bodily injury and property damage liability cover the medical bills and repairs for others involved in an accident you caused. Uninsured/underinsured motorist insurance covers costs if a motorist without adequate coverage causes an accident. Collision insurance covers your costs in an accident, and comprehensive coverage protects against theft, vandalism, and natural disasters.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. Office of Commissioner of Insurance and Safety Fire. "State Minimum Car Insurance Requirements." Accessed November 17, 2022
  2. Georgia Department of Driver Services. "Manage It All Online." Accessed November 17, 2022
  3. Georgia Department of Transportation. "Transit." Accessed November 17, 2022
  4. J.D. Power. "Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds." Accessed November 17, 2022
  5. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed November 17, 2022
Katie Powers
Written by
Katie Powers
Linkedin

Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Learn More
Tanveen Vohra
Edited by
Tanveen Vohra
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.