Best Car Insurance in Georgia (2025)

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

overall

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User Reviews	4.2 5,748 reviews
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.	$64/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.	$103/mo

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Driver Reviews

4.2

Best choiceBased on 10,437 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 (5,748)

Sandra

April 13, 2025

Verified Review

Better than Progressive

They are always accessible and their rates aren't higher than Progressive's. Also, they have much better commercials than those on Progressive. Just saying.

Daphne

April 13, 2025

Verified Review

Policy Inflated for Agent Benefits

The handling of my policies was very unprofessional on all levels, and my record contained outdated information. The agents managing my accounts were also unsatisfactory.

Julie

April 13, 2025

Verified Review

Epic Fail with the Claims Department

The roadside assistance has been good in the past and the phone service to my broker is usually good, as they can answer my questions. However, my car was recently hit by someone and the claims process was a nightmare. It was very annoying and the claims handler was inefficient, not providing me with all my options. After trying to reach a supervisor, they just said it was too late to help. The claims person deemed my car totaled within 2 minutes of reviewing it. When I asked if there were any options, he said no. When I found cars similar to mine and asked for more money, they refused, saying it was either accept their offer or nothing. Only after I accepted the offer and called back to State Farm did a supervisor explain to me about the option of a salvage title, which I knew nothing about. I am still incensed that no one from State Farm told me that was an option. If I knew it was an option, I definitely would have done that instead of accepting their paltry offer and having to go through the time-consuming process of researching cars, looking for cars, and buying a new car, thereby incurring debt when my car was already paid off. I called back again to explain how upset I was and they just said too bad, we will review with the claims adjuster so he will be more thorough in the future. This was an epic fail and they are now losing me as a 20+ year customer as soon as I find another carrier.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

855

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

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

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

cheap rates

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User Reviews	4.0 113 reviews
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.	$96/mo

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Driver Reviews

4.0

Best choiceBased on 178 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 (113)

Joe

April 13, 2025

Verified Review

Survey

The customer service is good, but it's too expensive.

Wilmer

April 12, 2025

Verified Review

Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!

Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!

Charles

April 10, 2025

Verified Review

Unexpected Rate Increase After First Year

The rates significantly increased after the first year.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

871

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.5

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

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

military members

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User Reviews	4.9 1,108 reviews
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.	$75/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.	$120/mo

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Driver Reviews

4.9

Best choiceBased on 1,908 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 (1,108)

Kate

April 13, 2025

Verified Review

Happy with USAA

Responsive.

Stellar

April 13, 2025

Verified Review

Very Cheap Car Insurance

Great!

Pat

April 12, 2025

Verified Review

Long Time USAA Policy Holder

It's expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

886

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.35

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

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

young drivers

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User Reviews	3.6 30 reviews
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.	$65/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.	$104/mo

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Driver Reviews

3.6

A solid optionBased on 45 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 (30)

Nan

March 30, 2025

Verified Review

Good

I would like my representative to return my calls. My coverage has been average.

Donna

March 12, 2025

Verified Review

Ok

The policy is good, but it's too pricey.

Ida-Marie F

December 16, 2024

Verified Review

Good Company

They are honorable and pay our claims promptly.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

868

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.2

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

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

basic coverage

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User Reviews	4.1 56 reviews
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 /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.	$278/mo

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Driver Reviews

4.1

Best choiceBased on 140 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 (56)

Donna

April 2, 2025

Verified Review

No Thanks

In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.

Rebekah

March 18, 2025

Verified Review

Never Able to Speak with Customer Service, So I Switched!

I was never able to speak with someone, so I switched!

Latesha

March 16, 2025

Verified Review

Less Expensive

It's excellent, I just wish it was a little cheaper.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

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

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

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

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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 $245 on average for full coverage and $156 on average for liability-only insurance. These rates are slightly higher than the national average of $196 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