12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
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.
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.
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.
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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 $142, 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:
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
$55
$63
On-demand insurance
Auto-Owners
4.0
$64
$90
Full coverage
Mile Auto
3.4
$76
$114
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.
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
Founded in 1916, Auto-Owners is a well-established super-regional insurer that offers numerous discounts to lower your car insurance costs.
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
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
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.
$76/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.
$114/mo
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
Doesn’t require a telematics device
Certain low-mileage drivers can save 30% to 40% off their current rates
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.
$55/mo
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
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
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: Tuesday, November 7 at 11:00 AM PST.
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.
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: Tuesday, November 7 at 11:00 AM PST.
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.
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]
Find Car Insurance in Georgia
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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 $356 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: Tuesday, November 7 at 11:00 AM PST.
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.
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: Tuesday, November 7 at 11:00 AM PST.
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.
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 $238 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: Tuesday, November 7 at 11:00 AM PST.
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.
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 $109 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: Tuesday, November 7 at 11:00 AM PST.
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.
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:
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 $252 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: Tuesday, November 7 at 11:00 AM PST.
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.
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
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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.
Car insurance in Georgia costs an average of $252 a month for full coverage and $142 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
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
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.
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.
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.
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.
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.