Best Car Insurance in Georgia (2026)

State Farm, USAA, and Auto-Owners are some of the best car insurance companies for Georgia drivers.

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Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichFreelance Insurance Writer
  • 10+ years in personal finance writing and editing

  • Investopedia, Wall Street Journal, and The HuffPost

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Sarah Archambault
Sarah ArchambaultInsurance Writer, Editor
  • 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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

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
4.0
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.
9.3 /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.
$89/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.
$151/mo
4.0
Best choiceBased on 17,183 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options3.93.2
Customer service4.03.6
Discounts3.62.9
Policy transparency3.83.1
Value3.62.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from Georgia driversSee all 7,403 State Farm reviews
Alfred
Verified Review
I am very pleased
State Farm is very fast at handling claims. I am pleased with their services.
Paula
Verified Review
State Farm is charging me $215.02 per month for my 2012 Nissan Murano. I called them, but they were not interested in discussing my policy and rate. I am looking forward to the day I cancel them.
State Farm is charging me $215.02 per month for my 2012 Nissan Murano. I called them, but they were not interested in discussing my policy and rate. I am looking forward to the day I cancel them.
Mary
Verified Review
Excellent
It's okay, but I wish the payment wasn't so high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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
  • Doesn't offer accident forgiveness coverage

  • Relatively expensive for drivers with imperfect records

  • Payoff Protector (gap) coverage only available to customers who finance an auto loan through State Farm Bank

Auto-Owners: Best for cheap rates

User Reviews
3.9
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.
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.
$83/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.
$141/mo
3.9
A solid optionBased on 329 verified driver reviews and ratings
Auto-Owners's score
Industry average
Coverage options3.73.2
Customer service3.73.6
Discounts3.12.9
Policy transparency3.53.1
Value3.02.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviewsSee all 150 Auto-Owners reviews
James
Verified Review
Does not take care of business. People they send for damage repair are way off base on their pricing
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Twitty
Verified Review
Good company, just the rates are too expensive
Uneventful.
Darryl
Verified Review
Insurance Shopping
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
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 only obtain quotes and purchase coverage through its independent agents

  • Below-average J.D. Power customer satisfaction rating in the Southeast

USAA: Best for military members

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.
9.1 /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.
$104/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.
$177/mo
4.1
Best choiceBased on 3,438 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.13.2
Customer service4.13.6
Discounts3.82.9
Policy transparency3.93.1
Value3.72.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Members of the military community
Outstanding customer service
Competitive rates
Showing 33 reviews from Georgia driversSee all 1,535 USAA reviews
Kevin
Verified Review
Great Company
Great, no problems thus far.
Angela
Verified Review
Rates change constantly
The rates kept changing.
Edward
Verified Review
USAA Experience
Outstanding customer service, but the price got too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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 active-duty 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
  • Doesn't offer 24/7 customer service

  • Limited number of discounts

  • Only available to members of the military community

COUNTRY Financial: Best for young drivers

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.
9.1 /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.
$90/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.
$153/mo
4.0
Best choiceBased on 66 verified driver reviews and ratings
Country Financial's score
Industry average
Coverage options3.93.2
Customer service3.43.6
Discounts3.52.9
Policy transparency3.83.1
Value3.22.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Cheap rates
Good claims process
High customer satisfaction
Showing recent national reviewsSee all 35 Country Financial reviews
Luke
Verified Review
Country Financial
For years, they were the best we could find, then the rates skyrocketed from $800/month to $1800/month. Typical greedy insurance.
Tracy
Verified Review
Insurance Experience
It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.
Teresa
Verified Review
Getting too pricey
The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
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
  • Coverage only available in 19 states

  • 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
4.5
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.
6.3 /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.
$315/mo
4.5
Best choiceBased on 210 verified driver reviews and ratings
Hugo's score
Industry average
Coverage options3.63.2
Customer service3.13.6
Discounts3.72.9
Policy transparency3.93.1
Value3.72.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Micropayments
No down payments
Fast coverage
Showing recent national reviewsSee all 67 Hugo reviews
Donita
Verified Purchase
Excellent
They are convenient for most of your needs! They have great prices for what you're looking for.
Shelbi
Verified Purchase
Hugo Helps in a Flash
I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.
Quincy
Verified Purchase
Great news
I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
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

  • 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.

    illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

    illustration card https://a.storyblok.com/f/162273/150x150/0a6ece6bd6/insurify-icons-auto-green-96x96_013-family.svg

    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]

    illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    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.

    illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    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.

    illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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 $83 per month

Excellent
4.7 out of 5 based on 13,691 reviews
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ProgressiveLiberty MutualAllstate

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 $257 on average for full coverage and $155 on average for liability-only insurance. These rates are slightly higher than the national average of $183 for full coverage and $97 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 $155 per month for liability coverage and $257 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

  1. Military OneSource. "2022 Demographics Profile."
  2. Georgia Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
  3. Insurance Information Institute. "How to find the right auto insurance."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Jess Ullrich
Written byJess UllrichFreelance Insurance Writer
Jess Ullrich
Jess UllrichFreelance Insurance Writer
  • 10+ years in personal finance writing and editing

  • Investopedia, Wall Street Journal, and The HuffPost

Featured in

media logomedia logo
Sarah Archambault
Edited bySarah ArchambaultInsurance Writer, Editor
Sarah Archambault
Sarah ArchambaultInsurance Writer, Editor
  • 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.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Compare Car Insurance Quotes Instantly

Excellent
4.7 out of 5 based on 13,691 reviews
Secure. Free. Easy-to-use.
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