Best Car Insurance for College Students in Georgia (2026)
COUNTRY Financial, State Farm, and USAA offer the best car insurance for Georgia college students and their parents.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Senior Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Table of contents
Whether you’re attending the Georgia Institute of Technology, Kennesaw State University, the University of Georgia, or another one of Georgia’s higher education institutions, college is one of the most exciting times in your life. It’s easy to forget about car insurance, but it’s an important expense.
If you park your car at your parents’ house, you can generally stay on their auto insurance policy, and it’ll be cheaper. If not, you can still get your own car insurance, but it’ll cost a bit more. Either way, checking around for quotes with different insurers can be an easy way to save a lot of money.
Here’s what Georgia college students need to know about getting the best car insurance.
Quick Facts
The average Georgia resident in their twenties pays $202 for liability coverage and $319 for full coverage each month.
College students can often qualify for discounts if they get good grades, leave their car at home while away at school, or take a defensive driver training course.
Drivers with vehicles registered in Georgia must carry a minimum 25/50/25 liability insurance policy.
Best car insurance for college students in Georgia
Each insurance company has its own way of setting prices. If you’re open to changing insurers, you may be able to save more money if you’re insuring a college student. Here are Insurify’s top picks to help you start your search.
COUNTRY Financial: Best for teens on their parents’ policy
| 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. | $98/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. | $138/mo |
4.0
Best choiceBased on 59 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 (34)
Tracy
Verified Review
Insurance Experience
Reviewed in Nevada on October 2025
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
Reviewed in Illinois on October 2025
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.
Debbie
Verified Review
Disappointed
Reviewed in Ohio on October 2025
Awesome and they don't raise my premium for something that wasn't my fault, and they don't have a big turnover in sales reps in their office. You also get to deal with the main agent, unlike State Farm in Toronto, Ohio.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.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
COUNTRY Financial offers some of the lowest rates for teen drivers in Georgia, based on Insurify data. Not only does it charge the lowest rates, it also offers many discounts that can further reduce costs. Drivers who use its telematics app can save up to 25%, for example, and good students can qualify for a discount of up to 35%.
Pros
Generally positive customer reviews
Unique discounts available
Often has lowest available rates
Cons
Not available in every state
Doesn’t offer rideshare insurance
Doesn’t offer online quotes
USAA: Best for students from military families
| 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. | $113/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. | $159/mo |
4.9
Best choiceBased on 2,673 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 (1,402)
James
Verified Review
USAA OK!
Reviewed in South Carolina on January 2026
USAA treats members fairly and respectfully.
Kenneth
Verified Review
USAA Review from a Long-Time Customer
Reviewed in Connecticut on January 2026
USAA is fabulous! They seem a bit more expensive than they used to be. I have been their customer for about 56 years.
James
Verified Review
USAA is by your side!
Reviewed in Ohio on January 2026
Never had any negative issues with USAA.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 some exceptional discounts for younger drivers, such as up to 10% off for getting good grades. It’s also a top-rated insurer by J.D. Power. The only catch is that you’ll need some sort of military affiliation to qualify for car insurance. When students are ready for their own policy, they can also get a 10% legacy discount for sticking with USAA.
Pros
High customer satisfaction
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
State Farm: Best for student discounts
| 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. | $97/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. | $136/mo |
4.1
Best choiceBased on 13,686 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 (6,816)
Richard
Verified Review
Feel I Can Do Better
Reviewed in Missouri on January 2026
The rates keep going up, so I wouldn't recommend them.
Michael
Verified Review
Excellent
Reviewed in Nebraska on January 2026
It's good but needs a lower price for full coverage.
Joan
Verified Review
Excellent
Reviewed in Arizona on January 2026
They have been great to me, but I think it’s very expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Most car insurance companies offer discounts for eligible teen drivers. But State Farm kicks it up a notch by offering several unique discounts for young drivers. For example, its Steer Clear app offers drivers younger than 25 a discount for completing a guided training course.
The company also has a good student discount, a driver training course discount if you’re younger than 21, and a student away at school discount.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
We combed through popular insurers to select the companies with the best third-party ratings, cheapest average rates, and best student discount opportunities to find which companies are the top choices for Georgia college students.
Cost of car insurance for Georgia college students
Car insurance rates for young drivers are typically pretty high. They don’t start to go down until drivers are around 25 years old, but college students may still see some savings as they age. Across Georgia, minimum-coverage insurance rates fall by an average of 14% between the ages of 18 and 21, according to Insurify data.
The table below shows the average cost of liability insurance for college students in Georgia.
Liability-Only Rates for College Students
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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What to know about staying on your parents’ car insurance
Teenagers and young adults can generally stay on their parents’ car insurance indefinitely if they maintain a permanent address at their parents’ residence. Leaving home temporarily to attend college doesn’t affect that, as long as you otherwise still live with your parents and share ownership of the car.
Once you move out for good, and if you own the title to the car, you’ll generally need to buy your own car insurance policy.
It’s typically cheaper for teens and college students to stay on their parents’ car insurance plans than to buy their own policy, as you can see from the table below.[1] That’ll still raise their parents’ rates, but the increase in cost is usually less than if the student bought their own policy:
Drivers  | Liability Only | Full Coverage |
|---|---|---|
| Two parents + a teen driver | $296 | $599 |
| Two parents | $157 | $316 |
| Teen driver on their own policy | $184 | $372 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance for college students out of state
Car insurance for out-of-state college students largely depends on where you live permanently. Consider if you plan to return to your parents’ home when you’re not in school or if you’re moving to Georgia for good.
If you go to school in Georgia but have your permanent residence in another state, then your car and its insurance will follow the rules of your home state. Let your insurer know where you plan to go to school, because it may have different rules. Many insurers also offer a discount for students who leave their car at home while studying out of state.[2]
Good to Know
If you’re moving to Georgia permanently, you’ll generally need to switch everything over: your driver’s license, car registration, and your car insurance.
Car insurance for international students
International students can drive while attending school in Georgia if they have a valid driver’s license and a car insurance policy. The exact car insurance requirements for international students vary depending on your insurance company, your car, and how long you’re staying in Georgia.
If you currently have car insurance in your home country, check if you’ll still have coverage in the U.S. If not, you can purchase a policy from many of the major U.S. insurers. Keep in mind that it’ll be easier to rent, borrow, or bring your own vehicle. You’ll need to get a Georgia driver’s license to buy, register, and insure a vehicle once you’re in the state.[3]
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3 ways for college students to get cheaper insurance
Your college years are some of the most expensive of your life, including when it comes to car insurance. But you still have ways to bring costs down. Here are a few good strategies:
Get good grades at school
Many car insurance companies offer a discount for college students who earn a “B” grade average or higher, often called a good student discount.
Leave your car at home
Students studying 100 miles or more away from home can usually get a discount if they leave their car with their parents.
Take a defensive driving course
Many insurers offer a discount for students who take an approved defensive driving course, which can help drivers learn safe habits.
Georgia car insurance requirements
Georgia residents must carry a minimum 25/50/25 car insurance policy. That includes $25,000 in bodily injury liability coverage (up to $50,000 per accident, if you injure multiple people) and $25,000 in property damage liability coverage.
If you lease or rent your car, your lender will probably require you to carry a full-coverage policy, which includes comprehensive and collision coverage in addition to liability coverage. This type of policy will reimburse you (or your lender) for any damage to your car, regardless of fault.[4]
College student car insurance FAQs
Despite having higher rates as a college student, you still have ways to save on a car insurance policy. Here are answers to some common questions you may still have.
How much is car insurance for college students in Georgia?
Georgia residents in their twenties pay an average monthly premium of $202 for minimum coverage and $319 for full coverage, according to Insurify data.
What are some car insurance discounts for college students?
Many auto insurance companies offer discounts for college students who earn good grades, who leave their car at home while living at college, and who take driver training courses.
Are there age limits for students to stay on their parents’ car insurance?
No. There are no broadly held age limits for students or young adults staying on their parents’ car insurance. As long as you still live at your parents’ address, you can generally stay on the same insurance policy for as long as both parties wish.
How much is a good student discount with USAA?
USAA offers a discount of up to 10% for being a good student. In order to qualify, you’ll need to be younger than 25, a full-time student, and have a GPA of 3.0 or higher. You can also qualify if you rank in the top 20% of your class, have a “B” or higher grade average, or are on the Dean’s list or honor roll.
Methodology
Insurify data scientists analyzed more than 90 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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Sources
- III. "Auto insurance for teen drivers."
- III. "College Students Need to Take Insurance 101 Before Heading Off to Campus."
- Georgia Department of Driver Services. "Drivers From Other Nations."
- Office of the Commissioner of Insurance and Safety Fire. "Auto."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
John LeachLicensed P&C Agent, Senior Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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