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Georgia Car Insurance for Bad Credit Drivers

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Mark Steinbach

By: Mark Steinbach

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for Drivers With Bad Credit in Georgia (2022)

For drivers with bad credit in Georgia, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

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 car insurance for drivers with bad credit in Georgia.

CarrierAvg. Monthly Cost
Travelers$196
Mile Auto$196
Amigo America$196
GAINSCO$199
Liberty Mutual$235
Direct Auto$239
InsureMax Insurance$267
American Family Insurance$267
Midvale Home & Auto$268
Mercury$276

Bad Credit Car Insurance in Georgia

With a warm climate and lots of Southern charm, things seem to move a bit slower in Georgia. But if you're a Georgia driver with bad credit history, is finding affordable car insurance going to be stressful?

If you have bad credit, Georgia car insurers are allowed to offer you higher prices as a result. Don't worry: your credit history won't be the only factor that comes into play when determining your car insurance premiums. And ideally if you've developed a reputation as a safe driver, you might still be able to find affordable rates despite your credit score.

Georgia Car Insurance Rates for Bad Credit Drivers

Excellent
$325
Good
$362
Average
$365
Poor
$396

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Georgia?

If you have bad credit, you'll probably end up paying more for car insurance—but you'll be relieved to know that credit score will only raise your rates by about 3 percent.

Georgia already has some of the highest car insurance rates in the country. For instance, the average car insurance rate for drivers with good credit is $200 higher in Georgia than the average good credit rate in North Carolina. So it's a relief to know that bad credit will only increase your rate in Georgia by an average of $11.

Avg. Monthly Cost - for Drivers with Good Credit
$326
Avg. Monthly Cost - for Drivers with Bad Credit
$337
$11 ▴
3.37% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Georgia?

In Georgia, car insurance companies have the right to take a look at your credit score before determining your car insurance rate. So you'll most likely undergo a credit check as you shop for car insurance in Georgia.

But you still have options even if your credit score isn't great. A few local car insurance companies in Georgia offer affordable rates and might even advertise that they don't check credit scores. You may also look to a national insurance carrier like GEICO that has been found to offer reasonable rates for drivers with bad credit.

Georgia Car Insurance Rates by Credit Tier

In a state that lets car insurers check your credit before offering you a car insurance rate, it's no surprise that those with excellent credit pay the least ($325 per month) while those with poor credit pay the most ($396 per month). In the middle of the pack, those with good or average credit pay very similar amounts.

Credit TierAvg. Monthly Cost
Excellent$325
Good$362
Average$365
Poor$396

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Car Insurance Rates With Bad Credit in Georgia Cities

Georgia residents pay a pretty penny for car insurance on average—but how does the city you reside in affect your car insurance rates? In the major city of Atlanta, you'll be paying a whopping $433 on average if you have poor credit. On the lower end of things, Augusta residents with poor credit pay a more reasonable $261 per month

CityCredit TierAvg. Monthly Cost
AtlantaPoor$424
SavannahPoor$308
AugustaPoor$261
ColumbusPoor$268
DecaturPoor$472
MaconPoor$330

Tips for Researching Bad Credit Georgia Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Georgia draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Georgia Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Georgia. 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 way to find the carrier with the best auto insurance ratings in Georgia and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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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.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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