120+ more)
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15 years at the Boston Globe
5+ years covering insurance industry
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Georgia drivers pay higher-than-average rates for car insurance, according to Insurify data. Homeowners generally pay slightly less on average for home insurance than some other states.
Here, you can see the average rates that policyholders in Georgia pay for auto and home insurance, according to Insurify data.
Coverage Type | Average Annual Cost in Georgia |
|---|---|
| Car insurance (full coverage) | $3,109 |
| Home ($300K dwelling) | $2,580 |
Georgia’s auto insurance rates tend to exceed national averages due to heavy traffic congestion in the Atlanta metro area, rising vehicle repair costs, and elevated accident frequency. Homeowners insurance rates also reflect the state’s exposure to hurricanes along the coast, severe thunderstorms, hail, and occasional tornado activity.
Georgia homeowners often face higher insurance premiums due to greater population density in urban areas and more frequent severe-weather losses. But the state’s home insurance average is still lower than rates in neighboring states like Alabama and Tennessee.
The best home and auto insurance companies in Georgia combine competitive rates, strong bundling discounts, reliable claims service, and broad coverage options. Here, you’ll find a number of insurers that stand out based on affordability, customer satisfaction, financial strength, and available discounts.
Insurance Company | Best For | Auto 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. | Bundling Discount |
|---|---|---|---|
| State Farm | Overall value | 9.3 | Save up to $1,249 annually |
| Auto-Owners | Customer service | 8.2 | Discount available on combined premiums |
| USAA | Military families | 9.1 | Up to 10% off at enrollment and up to 30% off on an auto policy |
| Allstate | Discount opportunities | 8.9 | Up to 25% |
| GEICO | Affordable auto coverage | 9.2 | Bundling discount available |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
| 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. | 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. | $78/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. | $139/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
State Farm remains a leading choice for Georgia residents due to its extensive local agent network, competitive bundled rates, and strong homeowners insurance coverage options. The company maintains a significant presence throughout metro Atlanta and smaller communities across Georgia.
Extensive local agent network across Georgia
Strong bundling discounts
Above-average claims satisfaction scores[1]
Home insurance rates may vary significantly by region across the state
Fewer online tools than some competitors
Not always the cheapest option for high-risk drivers
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $73/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. | $130/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Auto-Owners consistently earns strong customer reviews and offers flexible coverage options for Georgia drivers and homeowners. Its independent-agent model appeals to consumers who prefer personalized service.
Well-regarded for personalized service [2]
Strong claims handling
Multiple policy customization options
Limited online quote functionality
Availability depends on local agents
Fewer digital features than larger insurers
| 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. | $163/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 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.
USAA offers some of the strongest home and auto bundled rates and customer satisfaction scores available. Its membership is limited to military members, veterans, and eligible family members.
Highest customer satisfaction[3]
Competitive bundled rates
Strong financial strength ratings
Membership restricted to military members and their families
Limited physical office presence
No 24/7 customer support
| User Reviews | 3.8 |
|---|---|
| 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. | 8.9 /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. | $86/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. | $152/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Allstate provides a wide range of insurance discounts and coverage options that may appeal to Georgia homeowners and drivers looking to maximize savings through bundling policies.
Numerous discount opportunities
Strong optional coverage selections
Large agent network
Rates can be higher without insurance discounts
Optional coverages can increase policy costs
Premium increases after claims may be significant
| 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. | 9.2 /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. | $147/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. | $271/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO frequently offers competitive auto insurance rates in Georgia and can be a strong option for drivers looking to combine affordable car insurance with homeowners coverage.
Competitive auto insurance rates
Strong digital experience
Fast insurance quote process
Home insurance may be handled through partners
Limited local agent interaction
Coverage options vary by home insurer
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 customers. The methodology prioritized competitive rates, homeowners insurance discounts or policy bundling, 24/7 customer service, low-mileage discounts or programs, safe-driving discounts, and specialty or supplemental coverages.
Several Georgia-specific factors influence both auto insurance rates and home insurance premiums. These factors include the following.
Georgia homeowners face risks from hurricanes, remnants of tropical storms, severe thunderstorms, hail, and tornadoes. Coastal communities and southern portions of the state may experience higher home insurance rates and annual premiums due to wind-related risks and potential covered losses.
The Atlanta metropolitan area consistently ranks among the nation’s most congested regions.[4] Heavy traffic increases accident frequency and claims costs, which can contribute to higher auto insurance premiums.
Insurance companies consider local crime rates when calculating premiums. Areas with elevated rates of vehicle theft or property damage often see higher insurance costs.
Home insurance companies continue to face increasing labor and construction costs throughout Georgia. Likewise, advanced vehicle technology has increased repair expenses following collisions, putting upward pressure on auto insurance rates.
Georgia requires drivers to carry minimum liability insurance of 25/50/25: $25,000 per person for bodily injury liability, $50,000 per accident, and $25,000 for property damage liability. These limits satisfy Georgia’s minimum car insurance requirements but may not provide enough protection after a serious crash.
Many insurers recommend purchasing higher liability limits and considering optional coverages, such as uninsured/underinsured motorist protection, comprehensive coverage, and collision coverage.
Insurify partners with 120+ top insurance companies to show the most reliable quotes
For many Georgia consumers, bundling home and auto insurance policies is worth considering because it can reduce premiums and simplify policy management.
Potential multi-policy insurance discount
Easier management with one insurer
Separate policies may occasionally cost less
Switching one policy can affect savings and negate the benefits of bundling
Before purchasing an auto insurance bundle, compare home and auto insurance quotes from multiple companies to ensure you’re receiving the best bundled rates on a policy that matches your needs.
Georgia homeowners and drivers often ask the following questions when comparing insurance bundle options. These answers should help you in your search.
State Farm, Auto-Owners, USAA, Allstate, and GEICO are among the best insurance companies in Georgia due to their coverage options, customer satisfaction ratings, financial strength, and bundling discounts.
The cheapest home and auto insurance in Georgia depends on your location, claims history, property characteristics, and driving record. Comparing multiple bundled quotes is the best way to identify the lowest-cost option.
You can bundle home and auto insurance by purchasing both policies from the same insurer. Most major insurance companies offer a multi-policy discount when customers combine homeowners insurance and auto coverage.
Insurify data scientists analyzed more than 250 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:
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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15 years at the Boston Globe
5+ years covering insurance industry
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
