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Best Car Insurance Companies in Georgia 2022: Quotes, Discounts

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1 Insurance
JJ Starr

By: JJ Starr

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated April 5, 2022

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Quick Facts

  • Insurify’s best-rated insurance provider in Georgia is Clearcover.
  • Nationwide is the cheapest insurer on average in Georgia, with average rates of $159 per month.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

If you’re looking for the best in Georgia car insurance, look no further than this list. We’ve examined top insurers based on real car insurance rates offered to Georgia drivers. And we’ve calculated the average costs for different profiles based on driving record, age, and location.

As a refresher, Georgia state minimum car insurance requirements include bodily injury liability insurance and property damage liability insurance. It’s also recommended that drivers carry uninsured motorist coverage. But whether you’re looking for minimum coverage or full coverage, this list can guide you.

Use the Insurify rate-comparison tool to confidentially compare auto insurance rates from companies fast. See free car insurance quotes tailored to your needs with the click of a button. Not ready to commit to a quote? Check out our car insurance estimator to get an estimate on what you should expect to pay. Let the experts help you choose the right insurance company today!

Adjust coverage options, explore companies, and only purchase when the price is right.

See More: Best Car Insurance Companies

See More: Best and Worst Sites to Compare Car Insurance

Best Car Insurance Companies 2022

RankCompany NameAverage Cost Per Month in GeorgiaInsurify Composite Score
1Clearcover$25797
2Nationwide$15989
3Safeco$25886
4Liberty Mutual$21782
5Travelers$17080
6State Auto$22176
7National General$20058
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score 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.

Top Car Insurance Companies: Find the Right One for You

How do I find the best car insurance in Georgia?

The easiest way to find the best car insurance in Georgia is to shop around and compare quotes from multiple insurers. Because every driver has different factors in their unique driving profile that will affect their car insurance rates, the best company might be different between drivers.

Below is our list of top auto insurers based on several metrics, including customer satisfaction and cost. Each company offers a unique set of advantages and disadvantages, and no two will offer you the same exact policy for the same price. It’s important to ask yourself, “how much car insurance do I need” before you start your search, but Insurify can help you select your desired coverage options. Find out the average car insurance cost for top companies here.

Remember that this list is meant to be a guide, not the be-all and end-all of policy recommendations. Always choose a company that meets your needs best. And don’t be afraid to switch when something better comes along.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1
Clearcover logo

Clearcover

Average monthly cost:
$257
Insurify Composite Score:
97

If you’re looking for a tech-forward insurer, Clearcover may be the choice for you. Clearcover offers a slew of online tools, plus an excellent mobile app that makes managing your policy easy.

Clearcover only offers auto insurance policies at this time, so bundling is not an option. But you can get full coverage car insurance - liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.

Clearcover offers fewer discounts than the average insurer because “we took most of the savings that big auto insurance companies only offer as discounts and made them a standard part of our pricing.” Even so, Clearcover does offer some discounts, including:

  • Safe driving
  • Vehicle safety features
  • Electronic documents
  • Paying in full
  • Active military

Here are the average quotes Clearcover offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$321
Drivers Over 60$238
Safe Drivers (No Prior Violations)$233
Drivers With a Prior Accident$372
Drivers With a Prior Speeding Ticket$327
Drivers With Average Credit$263
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
2
Nationwide logo

Nationwide

Average monthly cost:
$159
Insurify Composite Score:
89

If you’re looking for the best cheap car insurance Georgia has to offer, Nationwide is one of your best options. With data from almost half a million quotes, Nationwide has proven to offer consistently low premiums, second only to Progressive.

Nationwide also offers better-than-average customer service. Its customer satisfaction ratings are above average, and it has fewer complaints than similarly sized companies. You’ll find a large menu of insurance products, including renters and home insurance, so bundling is easy.

On the other hand, Nationwide doesn’t offer many discounts. But, with consistently low rates, you may not need them. Discounts Nationwide offers include:

  • Multi-policy
  • SmartRide
  • SmartMiles (low mileage)
  • Accident-free
  • Good student
  • Defensive driving course
  • Anti-theft
  • Safe driver
  • Easy pay
  • Paperless

Plus, you can get an On Your Side® review to ensure you haven’t missed any discount you’re entitled to.

Here are the average quotes Nationwide offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$256
Drivers Over 60$147
Safe Drivers (No Prior Violations)$159
Drivers With a Prior Accident$248
Drivers With a Prior Speeding Ticket$253
Drivers With Average Credit$173
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
3
Safeco logo

Safeco

Average monthly cost:
$258
Insurify Composite Score:
86

On the one hand, Safeco has a lower-than-average rating for claims satisfaction. On the other hand, the company has received fewer complaints than other similarly sized auto insurers.

As part of the Liberty Mutual family, Safeco offers a wide range of car insurance policy options, making it easy for you to customize your plan. And you get additional perks common to choosing a large insurer.

Though Safeco isn’t the cheapest company, it does offer many discount options, including ones for teen drivers. Top discounts Safeco offers include:

  • Multi-car
  • Multi-policy
  • Safe driver
  • Preventive driving course
  • Low mileage
  • Theft-deterrent
  • Safety features
  • Homeowner
  • Good student
  • Distant student
  • Pay in full
  • RightTrack

Here are the average quotes Safeco offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$461
Drivers Over 60$198
Safe Drivers (No Prior Violations)$234
Drivers With a Prior Accident$344
Drivers With a Prior Speeding Ticket$341
Drivers With Average Credit$261
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Let’s get the bad news out of the way first: Liberty Mutual has a lower-than-average customer satisfaction rating and a higher-than-average rate of customer complaints. In an industry that already ranks poorly across the board, lower-than-average ratings are not to be dismissed.

But, with Liberty Mutual, you get the benefits of a large insurer. In addition to a ton of car insurance policy options, you can also purchase additional insurance products.

Liberty Mutual isn’t the cheapest insurer in town. You can lower your rates further by taking advantage of the many discount programs - even young drivers can take advantage. Top discounts Liberty Mutual offers include:

  • Multi-policy
  • Multi-car
  • Preferred payment
  • Pay in full
  • Online purchase
  • Paperless
  • Accident-free
  • Violation-free
  • RightTrack
  • Alternative energy
  • Anti-theft
  • Advanced safety features
  • Homeowner
  • Military
  • Early shopper
  • Good student
  • Student away at school

Here are the average quotes Liberty Mutual offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$377
Drivers Over 60$160
Safe Drivers (No Prior Violations)$201
Drivers With a Prior Accident$285
Drivers With a Prior Speeding Ticket$281
Drivers With Average Credit$219
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
5
Travelers logo

Travelers

Average monthly cost:
$170
Insurify Composite Score:
80

Another large insurer, Travelers is a company with a long history and huge range of insurance products. Plus, you’ll find lower rates than many other companies of similar size.

For such a large company, Travelers has received few customer complaints. On the flip side, customers don’t rate the company well overall. But, for low rates, great technology, and the ease of storing all your insurance policies in one place, Travelers is still an excellent option.

Bundling offers the best discounts to policyholders, but you’ll have many ways to save. Top discounts Travelers offers include:

  • Multi-policy
  • Multi-car
  • Safe driver
  • Continuous insurance
  • Hybrid/electric car
  • New car
  • Good student
  • Student away at school
  • Driver training
  • Affinity membership
  • Homeownership
  • IntelliDrive® program
  • EFT, pay in full, good payer
  • Early quote

Here are the average quotes Travelers offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$221
Drivers Over 60$143
Safe Drivers (No Prior Violations)$160
Drivers With a Prior Accident$201
Drivers With a Prior Speeding Ticket$222
Drivers With Average Credit$177
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
6
State Auto logo

State Auto

Average monthly cost:
$221
Insurify Composite Score:
76

State Auto isn’t a huge, nationwide insurer. But, even though it’s a smaller company, it offers many of the perks and policy options of a larger one. In addition to full coverage options, you can add pet, ambulance, and disability coverage to your auto policy.

However, its auto insurance is not well-reviewed by State Auto policyholders. Customer complaints are higher than average. But other insurance products offered by the company, including home insurance, have better reviews.

This is a great thing because bundling home and auto can get you a great discount. Top discounts State Auto offers include:

  • Safety 360®
  • Multi-policy
  • Accident prevention course
  • Start Up (early enrollment)
  • Driver training
  • Anti-theft
  • Good student
  • Multi-car
  • Paid in full

Here are the average quotes State Auto offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$302
Drivers Over 60$177
Safe Drivers (No Prior Violations)$187
Drivers With a Prior Accident$335
Drivers With a Prior Speeding Ticket$309
Drivers With Average Credit$242
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

If you don’t have a clean driving record, National General is a great option. This company specializes in auto insurance coverage for people with less-than-stellar driving histories. That includes a history of:

  • Car accidents
  • DUI
  • Failure to pay
  • Poor credit score
  • Dropped policies

Drivers with a history of at-fault accidents can receive a special discount for taking a driving safety course. And SR-22 policyholders can qualify for discounts for participating in substance abuse counseling. On the cons side, National General has more complaints than the national average and lacks a mobile app.

Top discounts National General offers include:

  • Multi-vehicle
  • Multi-policy
  • Safe driver
  • Anti-theft
  • Low mileage
  • Affinity membership
  • Paperless
  • Auto-pay
  • Paid in full

Here are the average quotes National General offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$319
Drivers Over 60$151
Safe Drivers (No Prior Violations)$165
Drivers With a Prior Accident$319
Drivers With a Prior Speeding Ticket$279
Drivers With Average Credit$193
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Average Monthly Cost of Car Insurance in Georgia

Where you live has a big impact on your car insurance costs. Your ZIP code’s claim rates, crime rates, and climate affect how insurance companies determine your risk. Below, we show the average car insurance quotes for some of Georgia’s largest cities. How does your insurance premium stack up?

CityAverage Monthly Premium
Atlanta$376
Augusta$241
Columbus$251
Savannah$299
Athens$228
Roswell$296
Warner Robins$256
Albany$238
Alpharetta$307
Marietta$296
Smyrna$287
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Determine the Best Car Insurance Company for Yourself

Getting the best is more than just finding cheap auto insurance. It’s also about finding a company that meets your needs and preferences. So you should always start with yourself:

  • Your budget and coverage needs
  • Your website and app preferences
  • Your qualifying discounts
  • Your customer service preferences

See More: Car Insurance for Bad Driving Records

There are many top-rated insurance providers in Georgia, so be sure to choose what fits best over what’s ranked best. You can compare car insurance quotes on Insurify. Notable insurers that did not make our list but should be on your radar include:

  • GEICO
  • Allstate
  • Auto-Owners
  • Progressive
  • State Farm
  • USAA

Frequently Asked Questions

  • By Insurify’s scoring system, Clearcover offers the best car insurance overall. However, the best company overall may not be the best company for you. Consider your unique needs before deciding which company will be the best for you.

  • After generating 490,000+ car insurance quotes from Georgia auto insurance companies, we found that Progressive consistently offered the lowest rate on average. But the only way to get the cheapest car insurance for you is to comparison shop for your policy. You can use Insurify to compare rates from top companies, including Progressive, in your area.

  • You need to purchase at least enough insurance to comply with state law and, if you have a car loan, comply with your lender’s requirements. In addition to compliance, you should consider carrying higher coverage limits. Car accidents can easily exceed required limits. Plus, raising your limits is fairly inexpensive.

  • The most effective way to get the best car insurance at the best rate is by comparison shopping. You can conduct comparison shopping quickly and confidently with the Insurify comparison tool. Finally, you can lower your rate even further by taking advantage of discounts, raising your deductible, being a good driver, and maintaining good credit.

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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.

JJ Starr
JJ Starr
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Content Writer at Insurify

J.J. Starr is a health and finance copywriter who enjoys helping readers find the information they need. In addition to her background in banking and financial advising, she is also a poet with an MFA from New York University. She lives in Amherst, Massachusetts. You can learn more at jjstarrwrites.com.

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