Cheap Car Insurance in Georgia With Bad Credit (2026)

In Georgia, the cheapest insurer for drivers with poor credit is Auto-Owners. Drivers pay an average of $109 per month.

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Kat Tretina
Written byKat Tretina
Kat Tretina
Kat TretinaInsurance and Personal Finance Writer
  • 9+ years in personal finance writing

  • Certified Financial Counselor

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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David Marlett
Reviewed byDavid Marlett
David Marlett
David MarlettAdvisor

David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.

David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.

He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.

David has been reviewing articles for Insurify since March 2025.

Updated

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Quick Facts
  • Insurers in Georgia can legally consider your credit history when determining your insurance premiums.

  • On average, Georgia drivers with poor credit pay $261 per month for coverage, while drivers with excellent credit pay $184 per month.

  • Consider usage-based insurance (UBI) policies that don’t consider credit information to find cheaper coverage in Georgia.

Cheapest car insurance in Georgia for bad credit

The cheapest insurer in Georgia for liability coverage is Auto-Owners for drivers with poor credit. Your rates will also depend on your ZIP code, driving history, age, and more.

The average credit score in Georgia is 686, which is lower than the national average of 705.[1] Having a poor credit history in Georgia can make your car insurance expensive.

The table below shows the cheapest rates for drivers with bad credit in Georgia.

The below rates in Georgia are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Rate: Liability Only
sort ascsort desc
Country Financial$95
Allstate$105
Mile Auto$109
Auto-Owners$109
State Farm$112
USAA$113
Progressive$136
Mercury$152
Bristol West$181
GEICO$183
Root$183
Clearcover$189
GAINSCO$190
Direct Auto$193
The General$205
AssuranceAmerica$207
National General$217
Safeco$220
Trexis One$223
Mendota$231
Nationwide$232
First Acceptance$241
Insurify Car$243
Excepsure$245
Trexis$245
Hugo$332
Liberty Mutual$379
Disclaimer: Table data sourced from real-time Georgia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Georgia may vary based on the policy buyer's unique driver profile.

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Liability rates for bad credit start at $109 per month

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Average Georgia car insurance rates by credit tier

Drivers with good or excellent credit in Georgia typically pay less for coverage than people with fair or poor credit. The table below highlights the average rates by credit tier to help you understand what you may pay for coverage.

Credit Tier
sort ascsort desc
Georgia Average
sort ascsort desc
National Average
sort ascsort desc
Poor$261$204
Fair$216$173
Good$203$148
Excellent$184$124
Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How credit affects car insurance rates in Georgia

Georgia state law allows auto insurance companies to consider your credit-based insurance score when setting rates.

Insurers use credit-based insurance scores to estimate the likelihood of a person filing a claim and have found that people with good credit are generally less likely to file an insurance claim. Because many insurers adjust premiums to account for added risk, drivers with poor credit scores may face higher average rates.

Though they can consider your credit-based insurance score, Georgia insurers can’t base your renewal rate solely on your credit or use it as the sole reason to deny or cancel a policy.[2] Georgia state law also doesn’t allow insurers to use your personal information, such as gender, race, ZIP code, address, ethnic group, or religion.

How to get cheaper Georgia car insurance with bad credit

To get cheap car insurance in Georgia with a poor credit history, follow these tips:

  • Compare quotes. Request insurance quotes from at least three companies annually and at each insurance renewal period. Insurance companies adjust pricing models on a regular basis, so you may find cheaper coverage elsewhere.

  • Sign up for usage-based insurance (UBI). Premiums for UBI policies depend on your driving habits and vehicle usage, so safe drivers who drive fewer-than-average miles can save money.

  • Adjust your deductible and coverage levels. Increasing your deductible increases your out-of-pocket costs if you file an insurance claim, but it’ll lower your insurance premiums. If you have an older or high-mileage vehicle, you may want to consider dropping collision and comprehensive coverage. Opting for a minimum coverage policy instead of full coverage can cut your premiums.

  • Maintain continuous coverage. Lapses in coverage can signal a higher level of risk to insurers, resulting in higher insurance rates. Maintaining a policy that meets the state’s requirements for bodily injury and property damage liability can help you avoid rate spikes.

  • Ask about discounts. Many companies offer extra discounts for drivers who enroll in paperless billing, sign up for automatic payments, or complete defensive driving courses. Contact your local insurance agent to ask about available car insurance discounts.

  • Bundle coverage. Bundle your policy with homeowners or renters insurance to qualify for multi-policy discounts.

Do insurers consider bad credit ‘high risk’ in Georgia?

In Georgia, insurance companies typically consider drivers with poor credit riskier than drivers with good credit, even if they have a clean driving record. Although your credit history doesn’t affect your driving skills, it typically affects your rates. Georgia drivers with bad credit pay rates that are 40% higher than drivers with excellent credit, according to Insurify data.

Having poor credit is just one high-risk factor that can affect premiums for Georgia drivers. A history of speeding tickets, at-fault accidents, DUIs, or lapses in coverage also represent higher levels of risk to insurers.

In particular, needing to maintain a Georgia Safety Responsibility Insurance Certificate (SR-22A) because of a serious driving offense makes you a high-risk driver.[3]

The average cost of insurance coverage for high-risk drivers who need an SR-22A form is $254 per month in Georgia. That rate is higher than the overall average for drivers in other nearby states like Florida or South Carolina.

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Best car insurance in Georgia for drivers with bad credit

The following companies are the best insurers for drivers with bad credit in Georgia, based on factors like average car insurance premiums and customer satisfaction ratings.

Root: Best for usage-based policies

User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.9 /10
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.
$148/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.
$224/mo
3.4
A solid option in GeorgiaBased on 1,360 verified driver reviews and ratings
Root's score
Industry average
Coverage options3.23.2
Customer service2.43.6
Discounts2.82.9
Policy transparency3.13.1
Value2.82.9
How drivers feel about Root

Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.

Based on analysis of verified reviews collected by Insurify

Best in Georgia for
Usage-based insurance
Safe drivers
Cheap rates
Showing 12 reviews from Georgia driversSee all 535 Root reviews
Tracy
Verified Review
Terrible
Too expensive. I have never had a ticket, and they increased my insurance by $40. No thank you, I don't like it.
Laquesheia
Verified Purchase
Excellent
It's been a good experience so far!
Jocelynn
Verified Review
From 200 to 500
Rates will more than likely double at renewal if you have any kind of claim at all.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93
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
Why we picked this company

Root is a telematics insurance company that bases insurance premiums on your driving habits and vehicle use. Unlike many other insurance companies, it doesn’t take your credit history into account when setting rates. If you have poor credit history, you may save money by switching to Root.

Pros
  • Doesn’t consider credit history

  • Offers roadside assistance and rental reimbursement

  • Can lower rates

Cons
  • Driving infractions may make you ineligible for coverage

  • Higher-than-average number of customer complaints

  • Fewer insurance options and add-ons than competitors

COUNTRY Financial: Best for rural drivers

User Reviews
4.0
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.
$79/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.
$144/mo
4.0
Best choice in GeorgiaBased on 67 verified driver reviews and ratings
Country Financial's score
Industry average
Coverage options3.93.2
Customer service3.43.6
Discounts3.52.9
Policy transparency3.83.1
Value3.22.9
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

Based on analysis of verified reviews collected by Insurify

Best in Georgia for
Cheap rates
Good claims process
High customer satisfaction
Showing recent national reviewsSee all 35 Country Financial reviews
Luke
Verified Review
Country Financial
For years, they were the best we could find, then the rates skyrocketed from $800/month to $1800/month. Typical greedy insurance.
Tracy
Verified Review
Insurance Experience
It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.
Teresa
Verified Review
Getting too pricey
The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
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).
A+
Why we picked this company

Approximately 1.8 million Georgia residents live in rural areas. COUNTRY Financial can be an excellent choice for rural residents with poor credit in Georgia. The insurer offers better rates than many of its competitors, and the company offers other forms of coverage, such as crop insurance.

You can save more money on your policy by taking advantage of COUNTRY Financial’s discounts. COUNTRY Financial has some unusual discounts that other insurers don’t offer, such as discounts for engaged couples and legacy discounts.

Pros
  • Defensive driving course completion discount

  • Below-average rates in Georgia

  • Network of local agents

Cons
  • Doesn’t sell gap insurance

  • Doesn’t allow online purchasing

  • Poor app reviews

USAA: Best for veterans

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
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.
$92/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.
$166/mo
4.9
Best choice in GeorgiaBased on 3,671 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.83.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

Best in Georgia for
Members of the military community
Outstanding customer service
Competitive rates
Showing 32 reviews from Georgia driversSee all 1,581 USAA reviews
Claudia
Verified Review
Excellent
Customer service is excellent. However, it is expensive.
Idamarie
Verified Review
Flim Flam Central
Make sure you are told the policy period. I had no idea and was not told that my coverage was only for 6 months. I could have stayed with my previous provider at a lower premium.
Gary
Verified Review
USAA - Not What It Is Made Out to Be
I was a victim of a hit and run. Due to the location of the damage, it was not discovered at the time it happened. When I submitted a claim for the issue, I found myself being questioned multiple times, seemingly to try to find cause to refuse my claim and not pay out. Then, upon review of my auto and home coverage, I found several key items of coverage completely missing or with an outrageous deductible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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).
A++
Why we picked this company

In Georgia, nearly 13% of the population is active-duty service members or military veterans, and the Peach State ranks No. 9 in the U.S. for veteran population. For qualifying veterans, service members, and their family members, USAA offers lower-than-average rates.

Georgia drivers cover fewer miles than the national annual average, so Georgia residents may benefit from USAA's SafePilot telematics program. This program tracks how much you drive and your driving habits. Using it could reduce your premiums by as much as 30%.

Pros
  • Extra perks and benefits for military members

  • Telematics program has a substantial discount

  • Cheap rates in Georgia

Cons
  • Limited availability

  • Low Trustpilot rating

  • Fewer discounts than other companies

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Georgia to assess which offer the best rates, coverage options, customer service, and savings to drivers with a low credit score. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

Georgia car insurance with bad credit FAQs

If you’re shopping for auto coverage with bad credit in Georgia, the following information may help you find affordable car insurance.

  • Does credit score affect car insurance in Georgia?

    Yes. Insurance companies in Georgia can use your credit-based insurance score to determine your car insurance premiums.

  • Can you get car insurance with poor credit in Georgia?

    Yes. You can purchase car insurance even if you have a poor credit history, but you may pay a higher rate than drivers with good or excellent credit.

  • Can Georgia auto insurers deny you coverage for bad credit?

    No. Georgia law prohibits car insurance companies from denying or canceling auto insurance policies based solely on your credit history.

Sources

  1. Equifax. "What Is the Average Credit Score by State?."
  2. Justia. "2024 Code of Georgia: Insurance."
  3. Georgia Department of Driver Services. "Reinstatement FAQS: No Proof of Insurance (Multiple Convictions)."

Methodology

Insurify data scientists analyzed more than 190 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 500+ 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.

Kat Tretina
Written byKat TretinaInsurance and Personal Finance Writer
Kat Tretina
Kat TretinaInsurance and Personal Finance Writer
  • 9+ years in personal finance writing

  • Certified Financial Counselor

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Katie Powers
Edited byKatie PowersLicensed P&C Agent, Senior Insurance Editor
Photo of an Insurify author
Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
David Marlett
Reviewed byDavid MarlettAdvisor
David Marlett
David MarlettAdvisor

David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.

David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.

He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.

David has been reviewing articles for Insurify since March 2025.

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