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Cheap Car Insurance in Georgia (With Quotes, May 2022)

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Polina Solovyeva

By: Polina Solovyeva

Edited by Tanveen Vohra

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Georgia is $354 per month, or $4,251 annually.
  • Progressive is the cheapest provider we found in Georgia, with average premiums of $147 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Georgia

Whether you are traveling through the busy streets of Atlanta or exploring the Civil War’s historical sites, you need to have the state minimum required insurance coverage to drive in the Peach State. Shopping for cheap car insurance in Georgia is easy with Insurify, an AI-powered comparison tool that helps you get instant access to the cheapest car insurance quotes.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Georgia

How much is car insurance in Georgia?

The average cost of car insurance in Georgia is $354 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Whether you are shopping for state minimum coverage or a full-coverage policy, auto insurance in Georgia doesn’t have to break the bank. According to Insurify data, car insurance costs in Georgia can go as high as $452 and as low as $147 per month, amounting to a $3,660 annual difference. This is why it’s important to shop around before choosing your provider.

Car Insurance CompanyAverage Monthly Quote
Progressive$147
Travelers$182
National General$209
Liberty Mutual$228
State Auto$239
Midvale Home & Auto$257
Clearcover$267
SafeAuto$272
Bristol West$311
Everest National$452
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Cheapest Liability Auto Insurance in Georgia

The law requires all Georgia drivers to carry bodily injury liability and property damage liability coverage. Underinsured/uninsured motorist coverage is normally also required by state law, but you can reject this coverage if you want to. According to Insurify data, you can expect to pay as low as $116 or as high as $217 per month for liability insurance.

Car Insurance CompanyAverage Monthly Quote
Progressive$116
Travelers$131
National General$145
Liberty Mutual$152
State Auto$168
Midvale Home & Auto$191
Clearcover$197
SafeAuto$201
Bristol West$218
Everest National$271
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Georgia

The minimum required auto insurance coverage will likely not be enough to cover the cost of an accident. Liability coverage only covers the damage to the other driver’s vehicle, so you would have to pay for your vehicle repairs and medical expenses out of pocket. Consider getting comprehensive and collision coverage to protect yourself on the road.

Avoiding high out-of-pocket costs doesn’t have to be expensive. Find the average monthly costs for full-coverage car insurance (which includes both comprehensive and collision coverage) in Georgia below.

Car Insurance CompanyAverage Monthly Quote
Progressive$181
Travelers$204
National General$245
Liberty Mutual$268
State Auto$266
Midvale Home & Auto$285
Clearcover$318
SafeAuto$307
Bristol West$367
Everest National$561
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Georgia

Insurify uses the latest tools and technology to gather data on the best auto insurance companies in the state of Georgia and calculate its Insurify Composite Score (ICS), which reflects the quality and reliability of an insurance provider. With an ICS of 97 and an average monthly quote of $267, Clearcover leads the list of the best insurance providers in Georgia.

Car Insurance CompanyICSAverage Monthly Quote
Clearcover97$267
Nationwide89$196
Safeco86$272
Liberty Mutual82$228
Travelers80$182
State Auto76$239
National General58$209
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The 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.

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Georgia Car Insurance Rates by Driving and Accident History

Insurers look at various different factors to determine your auto insurance rate, and your driving and accident history is one of the most important factors they consider. Generally speaking, drivers with clean driving records can expect to have access to cheaper car insurance rates than those with a history of driving violations. You can find more information below.

See More: High-Risk Car Insurance Georgia

Cheap Car Insurance for Good Drivers in Georgia

Different auto insurance companies have different definitions of what a “good driver” is, but typically, it refers to a driver who has shown safe driving behavior and has a clean driving record. Good drivers can expect to have cheap car insurance coverage in Georgia. For example, average monthly costs with Progressive can go as low as $140.

Car Insurance CompanyAverage Monthly Quote
Progressive$140
Travelers$171
National General$174
Liberty Mutual$210
State Auto$203
Midvale Home & Auto$220
Clearcover$242
SafeAuto$245
Bristol West$286
Everest National$393
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Georgia

Having a DUI on your driving history can significantly increase your car insurance costs. For example, an average monthly quote for drivers with a DUI from Everest National is $502—while it is just $393 for good drivers. Similarly, average monthly costs with State Auto jump from $203 for good drivers to $271 for drivers with a DUI. You can find more information in the table below.

Car Insurance CompanyAverage Monthly Quote
Progressive$175
Travelers$212
National General$243
Liberty Mutual$234
State Auto$271
Midvale Home & Auto$350
Clearcover$336
SafeAuto$335
Bristol West$326
Everest National$502
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 get caught driving under the influence, you will 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. These are the insurance companies that offer SR-22 in Georgia:

Cheap Car Insurance for Drivers with an At-Fault Accident in Georgia

An at-fault accident on your driving record is another negative factor that can make your auto insurance policy more expensive. While some car insurance companies would not increase your car insurance quote by a lot—for example, Progressive only has a $14 jump—other providers, such as National General, can increase your premiums by $100 or more.

Car Insurance CompanyAverage Monthly Quote
Progressive$154
Travelers$201
National General$321
Liberty Mutual$292
State Auto$348
Midvale Home & Auto$378
Clearcover$384
SafeAuto$364
Bristol West$393
Everest National$604
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Georgia

Having speeding tickets on your record is another factor that can drive your car insurance costs up. Georgia drivers with speeding tickets can expect average monthly quotes as low as $179 with Progressive and as high as $578 at Everest National. To compare, average monthly quotes for good drivers at Progressive and Everest National are $140 and $393, respectively.

Car Insurance CompanyAverage Monthly Quote
Progressive$179
Travelers$223
National General$279
Liberty Mutual$285
State Auto$313
Midvale Home & Auto$348
Clearcover$336
SafeAuto$335
Bristol West$364
Everest National$578
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Georgia Car Insurance Rates by Credit Tier

Car insurance companies can also take into account your credit score to determine your car insurance premiums. Typically, drivers with excellent and good scores have access to the cheapest rates. In Georgia, drivers with an excellent credit score pay about 19 percent less for car insurance than drivers with an average credit score.

Credit TierAverage Monthly Quote
Excellent$296
Good$315
Average$368
Poor$458
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Georgia Cities

Your car insurance rates depend on where you live in Georgia and can vary significantly from city to city. Atlanta drivers can expect the highest average car insurance costs—$383 per month, or $4,596 per year—and Athens drivers have access to the cheapest rates, $232 per month, or $2,784 per year. To find cheap car insurance in any city in Georgia, use Insurify.

CityAverage Monthly Quote
Atlanta$382
Augusta$243
Columbus$253
Macon$296
Savannah$302
Athens$232
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Georgia Car Insurance Rates by Driver Age

Your age is another factor that can increase your car insurance rates. Teen drivers and young drivers under 25 pay significantly more on average than more mature drivers in their 50s and 60s—$604 and $490 per month, respectively. As you gain more experience on the road and have your driver’s license for longer, your premiums will start to go down.

Age GroupAverage Monthly Rate
Teenagers$604
Under 25$490
20s$387
30s$272
40s$271
50s$256
60s$239
70s$252
80+$270
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Georgia Driving Facts

Every state has minimum insurance requirements, and Georgia is no exception. Additionally, all drivers in Georgia will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Georgia.

Minimum Car Insurance Requirements in Georgia

Georgia's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Georgia DMV Information

The DMV—or the department of motor vehicles—is a state-level government agency that is responsible for a variety of services that are related to cars and other motor vehicles, such as vehicle registration.

Georgia has two agencies that perform the duties of the DMV, the Department of Driver Services 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. However, there is still some public transportation available, such as the MARTA train and bus system.

Before you can start exploring Georgia by car, you need to have proper insurance coverage. To find cheap auto insurance in Georgia, research which companies offer discounts. Some companies may give you a lower rate if you bundle your car insurance policy with another insurance policy, such as your homeowners or renters insurance.

How to Get the Cheapest Car Insurance in Georgia

Shopping around is the best way to find cheap car insurance in Georgia. Different 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. Insurify recommends getting at least four different quotes.

Insurify makes shopping around easy. Simply spend five minutes on Insurify’s trusted site answering a few questions about yourself, your vehicle, and your coverage preferences, and instantly get access to 10+ real and personalized quotes. Compare these quotes side by side, find the best deal for you, and buy it online. Insurify users save $996 a year on average!

Frequently Asked Questions

  • Yes, you must carry the minimum required bodily injury and property damage liability coverage in Georgia. You are also required to carry uninsured motorist coverage, but you can reject this coverage in writing. However, it’s important to know that the minimum required coverage will likely not be enough to cover the costs of an accident. Consider getting a full-coverage policy.

  • Shopping around and getting at least four quotes from different car insurance providers is the best way to find cheap car insurance in Georgia. However, requesting quotes from different auto insurance companies can be time-consuming and stressful. Instead of spending hours gathering data, use Insurify to get instant access to 10+ accurate and cheap quotes today.

  • How much your car insurance costs depend on various factors, such as your age, your credit score, and your driving record. On average, car insurance rates can go up as high as $604 and as low as $116 in certain circumstances, so it’s important to shop around and see what cheap coverage options are available for your unique situation.

  • Having DUIs, speeding tickets, and at-fault accidents on your driving record can drive your car insurance costs up significantly. Teen drivers and young drivers under 25 can also expect higher car insurance costs. Use Insurify to find cheap car insurance from the best auto insurance companies in Georgia, even if you have factors that are impacting your insurance costs.

  • No, you are not required to carry personal injury protection (PIP) in Georgia. You are only required to carry liability and uninsured motorist coverage. Whether you are shopping for the minimum required or for full coverage, Insurify can help you find the cheapest deal.

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

Honda Accord

Most Popular Car in Georgia

#23

State with the Most Speeding Tickets Rank

#32

State with the Moving Violations Rank

#42

State with the Most DUIs Rank

#49

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 #7 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #7
    • Percent of drivers in Georgia with an accident: 11.78%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in GA who have a current at-fault accident on their driving record pay 42.48% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Georgia is the #23 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #23
    • Percent of drivers in Georgia with a speeding ticket: 10.64%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in GA with a speeding ticket in their driving history pay on average 35.71% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Georgia is the #42 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #42
    • Percent of drivers in Georgia with a DUI: 1.36%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in GA with a DUI in their driving history pay on average 18.42% more than drivers with a clean record.
  • 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 #1 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #1
    • Percent of drivers in Georgia with a rude driving violation: 3.6%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in GA with a rude driving violation in their driving history pay on average 37.97% more than drivers with a clean record.
  • 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 #17 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #17
    • Percent of drivers in Georgia with a reckless driving offense: 0.15%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Georgia is the #2 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #2
    • Percent of drivers in Georgia with a failure to yield violation: 0.95%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in GA with a failure to yield violation in their driving history pay on average 43.23% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Georgia is the #36 state in the country for drivers with a clean record.

    • Rank among states: #36
    • Percent of drivers in Georgia with a clean record: 78.43%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Georgia drivers rank #24 in hybrid and electric vehicle ownership across all fifty states.

    • Rank among states: #24
    • Percent of drivers in Georgia with a hybrid/electric vehicle: 0.87%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Polina Solovyeva
Polina Solovyeva

Content Writer at Insurify

Polina Solovyeva is a freelance copywriter for mission-driven brands and entrepreneurs. When she's not writing, you can find her on a long-distance run or dancing bachata. To learn more, visit her copywriting agency Deeper than Copy at deeperthancopy.com.

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