Best Car Insurance in Georgia (2025)
State Farm, USAA, and Auto-Owners are some of the best car insurance companies for Georgia drivers.
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Written byJess Ullrich
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Más de 10 años escribiendo sobre seguros y finanzas personales
Ex editora asociada de finanzas de Investopedia
Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.
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Edited bySarah Archambault
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Table of contents
Table of contents
If you’re shopping for auto coverage in Georgia, Insurify has simplified the process by analyzing 50 insurers to identify the best car insurance companies in Georgia. Here are some of the top picks.
Best car insurance companies in Georgia
The best car insurance company for you will depend on your unique driving history and demographics. But these companies offer Peach State drivers some of the lowest auto insurance rates and strong customer satisfaction.
State Farm: Best overall
| User Reviews | 4.2 |
|---|---|
| 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. | 9.3 /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. | $63/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. | $102/mo |
4.2
Best choiceBased on 9,861 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,430)
Samantha
March 11, 2025
Verified Review
Everything has been great, but the payments keep increasing even though neither my spouse nor I have had any accidents.
Everything has been great, but the payments keep increasing even though neither my spouse nor I have had any accidents.
James
March 11, 2025
Verified Review
Ungrateful Agents
I've been insured with State Farm for almost sixty years. I never had an accident until last year, and they raised my rates. Sixty years of premiums should more than compensate for one accident.
Lucille
March 11, 2025
Verified Review
State Farm is a Good Company
I've been pleased with my experience with State Farm. My agent always works with me and is very responsive to my queries. The only thing I would like is a lower cost.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
Offering cheap car insurance and many discounts, State Farm is Insurify’s top pick for Georgia drivers. You can access bundling discounts, safe driver discounts, good grade discounts, vehicle safety feature discounts, and more. AM Best also recently affirmed State Farm’s financial strength rating of A++ (Superior), signifying the company is financially sound.
Pros
Affordable rates
Above-average J.D. Power customer satisfaction rating in the Southeast
Several available discounts
Cons
Mixed online customer reviews
Relatively expensive for drivers with imperfect records
Gap coverage only available for State Farm finance customers
Auto-Owners: Best for cheap rates
| User Reviews | 4.0 |
|---|---|
| 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. | 8.5 /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. | $59/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. | $95/mo |
4.0
Best choiceBased on 162 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (100)
Vicki
March 9, 2025
Verified Review
Satisfied Insured
This is a very good company; they pay quickly on claims.
Linda
March 3, 2025
Verified Review
Great Insurance Company
Always there for us and made things easy to understand.
Richard
March 3, 2025
Verified Review
Unbeatable as a Former A/O Agent
As a former agent with Auto-Owners Insurance, where I worked for 26 years before retiring, I can confidently say that they are the best. I was associated with Al Bourdeau Insurance Agency in Flint, Michigan. However, due to my current fixed income, I am compelled to shop for better rates. Thank you for asking.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
871NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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
Auto-Owners is one of the cheapest car insurance companies in Georgia. Drivers looking for affordable coverage should consider Auto-Owners on their shortlist.
Pros
Many available discounts
Affordable rates
AM Best financial strength rating of A+ (Superior)
Cons
Available in only 26 U.S. states
Can’t get a quote online
Below-average J.D. Power customer satisfaction rating in the Southeast
USAA: Best for military members
| 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. | 9.4 /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. | $74/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. | $119/mo |
4.9
Best choiceBased on 1,769 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,016)
Tina
March 11, 2025
Verified Review
USAA
I love USAA.
Lizy
March 10, 2025
Verified Review
Expensive
Fantastic, just expensive.
Judith
March 10, 2025
Verified Review
USAA
USAA is a great company!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
886NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
USAA offers affordable rates and discounts exclusively for military members, veterans, and their families. So if you’re one of the 60,000 active-duty service members who live in Georgia or a qualifying family member, USAA could be a good choice.[1]
Pros
Above-average J.D. Power customer satisfaction rating in the Southeast
Affordable rates
AM Best financial strength rating of A++ (Superior)
Cons
Mixed online customer reviews
Limited number of discounts
Available only to active-duty military members, veterans, and their family members
COUNTRY Financial: Best for young drivers
| User Reviews | 3.6 |
|---|---|
| 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. | 8.8 /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. | $16/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. | $37/mo |
3.6
A solid optionBased on 42 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (28)
Ida-Marie F
December 16, 2024
Verified Review
Good Company
They are honorable and pay our claims promptly.
Antonio
December 14, 2024
Verified Review
Car and Home Insurance
They have become expensive now.
Chloe
October 19, 2024
Verified Review
Unaffordable Rates That Increase Monthly
Terrible, I wouldn't ever recommend Country Financial to anyone. My policy kept increasing monthly without any explanation, despite not having any new accidents or tickets. They didn't offer many discounts and it became unaffordable very quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.2A.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
It’s no secret that teenage drivers pay more for car insurance nationwide, not just in Georgia. Of all the companies Insurify compared, COUNTRY Financial offers the cheapest average car insurance rates for Georgia teens.
Pros
Very cheap rates for teens
Low number of customer complaints
AM Best financial strength rating of A+ (Superior)
Cons
Not available in every state
Slightly higher rates overall than some competitors
Not rated by J.D. Power for customer satisfaction among top Southeastern insurers
Hugo: Best for basic coverage
| User Reviews | 4.1 |
|---|---|
| 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. | 7.0 /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. | $212/mo |
4.1
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (53)
Larry
March 10, 2025
Verified Review
Good Experience
The experience was good, but it was becoming too expensive.
Alphonso
March 4, 2025
Verified Review
Hugo is Ideal for Low-Income, Infrequent Drivers
Okay.
Sara
February 15, 2025
Verified Review
Hugo: Immediate, Hassle-Free Insurance
Just make sure you're covered if you're driving; that's all you have to do.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
Hugo offers the cheapest liability-only insurance for Georgia drivers, on average. The state requires you to buy both bodily injury and property damage liability coverage, and this minimal coverage could work well if you have an older, low-value car or you’re a very low-mileage driver.
Pros
Very cheap rates
Low number of customer complaints
Flexible payment options
Cons
No full-coverage policies
Limited coverage options
Not rated by J.D. Power among top insurers in the Southeast
Insurify’s editorial team analyzed regional and national auto insurance companies that sell policies in Georgia to assess which offers the best rates, coverage options, customer service, and savings to drivers. The analysis 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.
How to get the best car insurance in Georgia
If you’re shopping for car insurance in the Peach State, here are some tips to help you find the best possible coverage for your needs.
Know your coverage options
Many people opt for full-coverage car insurance, which usually includes liability insurance, comprehensive insurance, and collision insurance. But you don’t necessarily need that much coverage.
The state of Georgia requires bodily injury and property damage liability insurance, while other coverages are optional.[2] So you might opt for the minimum state coverage if you drive an older car and relatively few miles.
Read customer reviews
Checking out customer reviews often provides insight into how policyholders view the insurance company you’re considering. That said, it’s important to still weigh out other factors, like rates and your specific needs.[3]
Research company ratings
Several independent rating services assess insurance companies, including J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC). Research how different insurers fare to get insight into customer satisfaction ratings, financial stability, and customer complaint trends.
Compare discounts
Many insurance companies offer discounts that lower car insurance rates. Discounts often include savings for bundling, multiple cars, and good grades. But offerings can vary widely by insurer. Compare discounts carefully to find the best fit, or ask an insurance agent for help.
Compare car insurance quotes
Once you’ve researched company reviews, ratings, and discounts, it’s time to compare quotes. Insurance prices vary by company, so this step is crucial to find the best deal on coverage. Use insurance company websites or an insurance-comparison tool to simplify the quote-comparison process.
Find Cheap Car Insurance in Georgia
Liability rates start as low as $59 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Average cost of car insurance in Georgia
Car insurance costs in Georgia vary based on your driving record, age, gender, ZIP code, type of vehicle you drive, and other factors. For instance, you’ll pay more for coverage if you have a past moving violation or an at-fault car accident.[4]
Georgia residents pay $244 on average for full coverage and $154 on average for liability-only insurance. These rates are slightly higher than the national average of $197 for full coverage and $105 for liability insurance. Keep in mind that these are just averages, and you might find a cheaper car insurance policy if you shop around.
Best car insurance in Georgia FAQs
The best car insurance policy in Georgia depends on your unique driving profile, location, and more. If you’re still wondering about car insurance, here are some common questions and answers.
How much is car insurance in Georgia?
Car insurance in Georgia costs an average of $154 per month for liability coverage and $244 per month for full coverage, Insurify data shows.
What are the best car insurance companies in Georgia?
Some of the best car insurance companies in Georgia include State Farm, Auto-Owners, USAA, COUNTRY Financial, and Hugo. But the best insurer for you is the company that has rates, coverage options, and discounts that work for your needs and budget. Shopping around can help you find the right fit.
What is the required auto insurance coverage amount in Georgia?
Georgia requires all drivers to carry bodily injury liability insurance with $25,000 in coverage per person and $50,000 per accident. You’ll also need to have property damage liability insurance for $25,000 per accident.
Sources
- Military OneSource. "2022 Demographics Profile."
- Georgia Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
- Insurance Information Institute. "How to find the right auto insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022.
Edited bySarah Archambault
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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