Cheap Auto Insurance Quotes in Georgia (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

The Peach State is keen on keeping roads safer with strict distracted driving and car insurance laws.

From rural backroads and beach towns to vibrant city centers, Georgia has a lot to see and do. But don’t be caught messing with your GPS or streaming your road diary from the driver’s seat, because it’s one of 20 states with the most restrictive distracted driving laws in the nation. And committing a driving violation in Georgia could make your car insurance rates skyrocket.

So whether you're a recent transplant or Georgia is your next vacation destination, read on to learn more about finding the best and cheapest car insurance rates in this exciting state.

Cheapest Car Insurance in Georgia

Here are the cheapest carriers in Georgia for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Georgia.

Best Car Insurance in Georgia

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Georgia. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Georgia

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Georgia to find you the cheapest quotes in each of these metropolitan areas.

The citizens of Atlanta, Georgia's most populous city, rely heavily on personal transportation to get around. However, this has led the city to become known as one of the country's most polluted metropolitan areas.

CityCheapest CarrierQuote
TravelersTravelers
$163/mo
ProgressiveProgressive
$113/mo
ProgressiveProgressive
$144/mo
ProgressiveProgressive
$110/mo
TravelersTravelers
$152/mo
ProgressiveProgressive
$138/mo
ProgressiveProgressive
$108/mo
ProgressiveProgressive
$116/mo
AllstateAllstate
$136/mo
ProgressiveProgressive
$132/mo
ProgressiveProgressive
$150/mo
ProgressiveProgressive
$97/mo
ProgressiveProgressive
$144/mo

Georgia Driving Facts

Minimum Car Insurance Requirements in GA

Within the first month that a hands-free driving law was put into effect, car accidents in Georgia dropped by roughly 27%.

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

Cheapest Car Insurance Quotes in Georgia by Profile

Here are the cheapest insurance companies in Georgia based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Georgia drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Georgia Farm Bureau offers the best options for good drivers in Georgia, at $41 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuote
Georgia Farm Bureau
$41/mo
USAA
$47/mo
Auto-Owners
$48/mo
COUNTRY Financial
$48/mo
State Farm
$60/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuote
Georgia Farm Bureau
$42/mo
USAA
$50/mo
Auto-Owners
$62/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuote
Georgia Farm Bureau
$42/mo
USAA
$44/mo
Auto-Owners
$48/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuote
State Farm
$64/mo
Alfa
$67/mo
Georgia Farm Bureau
$75/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Georgia, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $40 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Georgia 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Georgians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuote
USAA
$40/mo
COUNTRY Financial
$42/mo
Georgia Farm Bureau
$43/mo
Auto-Owners
$44/mo
GEICO
$55/mo

SR‌-22 Insurance in Georgia

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Georgia on your behalf.

GA DMV Information

In Georgia, you must have your insurance policy in place before you can obtain registration. 

The state of Georgia does not have a Department of Motor Vehicles (DMV). Instead, auto registration and driver’s licensing services are provided by both the Department of Drivers Services (DDS) and the Department of Revenue (DOR). The DDS helps you obtain, renew, or replace learner’s permits, ID cards, and licenses; the DOR helps you register your vehicle, get license plates, and pay your vehicle taxes.

  • To transfer your driver’s license: If you are new to the state, you have 30 days within moving to Georgia to transfer your driver’s license. If you hold an Out of State or Foreign License, you will be required to bring additional proof of ID.
  • To transfer your vehicle registration: You have 30 days from the date you establish Georgia residence to transfer your vehicle’s registration, title, and plate from another state. You’ll need to visit your county tag office to do so.
  • Residents of Metro Atlanta must provide proof of emissions inspection to register (or renew the registration for) their vehicles.
  • Online services include the ability to pay fees, change your address, even apply for a for-hire driver endorsement (think Uber driver). Many of these services require you to create an account. Some do not.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Georgia

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Georgia offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Peachtree City

Greenes Cities
% of Hybrids / Electrics
3%
Most Patriotic City

Most Patriotic City

Augusta

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Hinesville won Insurify's Most Patriotic Cities Award for the state of Georgia. The city is located close to the Fort Stewart U.S. Army post. Both communities are situated in the aptly named Liberty County.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Georgia is vital for all car insurance shoppers hitting the road in The Peach State.

road with cars illustration

Road Rankings

1%Rural Roads in
Poor Condition

#27Ranked

6%Structurally Deficient
Rural Bridges

#13Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#21Ranked


FAQs - Georgia Car Insurance

How fast can I get an insurance quote in Georgia?

If you need an insurance quote quickly, going with an online insurance company is going to be your best bet. Many times all that's required for a free quote is to fill out a form and click "send." Use an auto insurance quotes comparison site like Insurify to compare quotes from all the top online companies to save yourself from hours of searching.

What is the average auto insurance coverage cost for a new driver in Georgia?

The cost of insuring a new driver in Georgia is going to vary from region to region and depends on things such as traffic, crime rate, and weather in your area. It's always a good idea to ask about driver discount incentives to keep your policy low. And you can look into bundling your home and/or existing auto policy with the same carrier as a means to lower rates.

Where can I get the best rate on high-risk coverage in Georgia?

Insurify has found over 25 insurance companies that can file your SR-22 paperwork and/or provide you with a high-risk insurance quote. These companies include Direct Auto, Esurance, Progressive, and The General.