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.
Insurance Company | Average Monthly Rate: Liability Only |
|---|---|
| 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 |
Shop for Georgia Auto Insurance
Liability rates for bad credit start at $109 per month
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 | Georgia Average | National Average |
|---|---|---|
| Poor | $261 | $204 |
| Fair | $216 | $173 |
| Good | $203 | $148 |
| Excellent | $184 | $124 |
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.
Compare Georgia Car Insurance Quotes
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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 |
Root's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 2.4 | 3.6 |
| Discounts | 2.8 | 2.9 |
| Policy transparency | 3.1 | 3.1 |
| Value | 2.8 | 2.9 |
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
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.
Doesn’t consider credit history
Offers roadside assistance and rental reimbursement
Can lower rates
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 |
Country Financial's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.2 | 2.9 |
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
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.
Defensive driving course completion discount
Below-average rates in Georgia
Network of local agents
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 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.8 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
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%.
Extra perks and benefits for military members
Telematics program has a substantial discount
Cheap rates in Georgia
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
- Equifax. "What Is the Average Credit Score by State?."
- Justia. "2024 Code of Georgia: Insurance."
- 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
- 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.
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