Cheap Auto Insurance Quotes in Georgia (November 2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$163
$169
$246
$281
$327
$330
TravelersProgressiveAmerican FamilyMercuryNationwideThe General
Monthly $
CityCheapest Carrier
TravelersTravelers
$163/mo
Progressive
$113/mo
Progressive
$144/mo
Progressive
$110/mo
TravelersTravelers
$152/mo
Progressive
$138/mo
Progressive
$108/mo
Progressive
$116/mo
AllstateAllstate
$136/mo
TravelersTravelers
$163/mo
Progressive
$150/mo
Progressive
$97/mo
Progressive
$144/mo
Freedom NationalFreedom National
$144/mo
Freedom NationalFreedom National
$153/mo
Progressive
$153/mo
Progressive
$118/mo
ClearcoverClearcover
$154/mo
Freedom NationalFreedom National
$135/mo
Mile AutoMile Auto
$149/mo
National GeneralNational General
$92/mo
Freedom NationalFreedom National
$157/mo
Freedom NationalFreedom National
$152/mo
ClearcoverClearcover
$137/mo
ClearcoverClearcover
$159/mo
ClearcoverClearcover
$151/mo
Freedom NationalFreedom National
$119/mo
Freedom NationalFreedom National
$173/mo
Freedom NationalFreedom National
$151/mo
Freedom NationalFreedom National
$162/mo
Freedom NationalFreedom National
$170/mo
ClearcoverClearcover
$112/mo
Freedom NationalFreedom National
$174/mo
Freedom NationalFreedom National
$148/mo
Freedom NationalFreedom National
$154/mo
Progressive
$129/mo
Freedom NationalFreedom National
$168/mo
ClearcoverClearcover
$121/mo
ClearcoverClearcover
$113/mo
Freedom NationalFreedom National
$169/mo
Progressive
$126/mo
Progressive
$109/mo
ClearcoverClearcover
$148/mo
Progressive
$155/mo
Progressive
$108/mo
Progressive
$117/mo
Freedom NationalFreedom National
$171/mo
Progressive
$154/mo
Freedom NationalFreedom National
$179/mo
Progressive
$167/mo
Freedom NationalFreedom National
$169/mo
Progressive
$166/mo
Freedom NationalFreedom National
$132/mo
Freedom NationalFreedom National
$131/mo
Progressive
$147/mo
TravelersTravelers
$160/mo
Freedom NationalFreedom National
$170/mo
Progressive
$136/mo
Progressive
$102/mo
Freedom NationalFreedom National
$169/mo
ClearcoverClearcover
$123/mo
Progressive
$165/mo
Progressive
$131/mo
Freedom NationalFreedom National
$153/mo
Freedom NationalFreedom National
$183/mo
Freedom NationalFreedom National
$172/mo
ClearcoverClearcover
$101/mo
Progressive
$166/mo
Freedom NationalFreedom National
$152/mo
Progressive
$123/mo
Progressive
$105/mo
Progressive
$126/mo

Cheapest Liability Auto Insurance in Georgia

For drivers in Georgia, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Georgia. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Georgia.

Cheapest Full Coverage Auto Insurance in Georgia

For drivers in Georgia, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Georgia. The following are the best insurance rates from carriers that offer full coverage auto insurance in Georgia.

Georgia Driving Facts

georgia

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

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 Company
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 Company
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 Company
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 Company
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 Company
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.

Insurify Insights: How Georgia Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Georgia drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents 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. Among all fifty states, Georgia drivers rank 7 in the number of car accidents per driver.

  • Rank of States: #7
  • Percent of drivers in Georgia with an accident: 11.82%
  • Drivers in GA with an accident in their driving history paid on average 42.48% more than drivers with a clean record

Speeding Georgia

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Georgia drivers rank 23 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #23
  • Percent of drivers in Georgia with a speeding ticket: 10.64%
  • Drivers in GA with a speeding ticket in their driving history paid on average 35.71% more than drivers with a clean record

DUI/DWIs Georgia

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Georgia drivers rank 42 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #42
  • Percent of drivers in Georgia with a DUI: 1.36%
  • Drivers in GA with a DUI in their driving history paid on average 18.42% more than drivers with a clean record

Most Popular Vehicle Georgia

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Georgia is the Honda Accord.

Rude Georgia

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Georgia drivers rank 1 in rude driving infractions.

  • Rank of States: #1
  • Percent of drivers in Georgia with a reckless driving violation: 3.6%
  • Drivers in GA with a reckless driving violation in their driving history paid on average 37.97% more than drivers with a clean record.

Safest Drivers Georgia

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Georgia drivers rank 36 in clean driving records across all fifty states.

  • Rank of States: #36
  • Percent of drivers in Georgia with clean record: 78.43%

Street Racing Georgia

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Georgia drivers rank 31 in street racing violations per driver.

  • Rank of States: #31
  • Percent of drivers in Georgia with a street racing violation: --%

Failure to Yield the Right of Way Georgia

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Georgia drivers rank 2 in failure to yield violations per driver across all fifty states.

  • Rank of States: #2
  • Percent of drivers in Georgia with a failure to yield violation: 0.95%
  • Drivers in GA with a failure to yield violation in their driving history paid on average 43.23% more than drivers with a clean record

Reckless Drivers 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. Among all fifty states, Georgia drivers rank 17 in the number of reckless driving offenses per driver.

  • Rank of States: #17
  • Percent of drivers in Georgia with a reckless driving offense: 0.15%

Hybrid/Electric Vehicle Ownership Georgia

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 of States: #24
  • Percent of drivers in Georgia with a hybrid/electric vehicle: 0.87%

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

Roswell

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

Most Patriotic City

Hinesville

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

#27
Ranked

6%Structurally Deficient
Rural Bridges

#13
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#21
Ranked


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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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