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Cheapest recent rates near Dallas, Georgia
Recent Dallas, Georgia car insurance prices for Chevrolet, Acura, Chrysler , and more.
*Quotes generated for Insurify users in and around Dallas, Georgia within the last 10 days. Last updated on October 10, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 10, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dallas, Georgia within the last 10 days. Last updated on October 10, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 10, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Around 15,000 people live in Dallas, Georgia, an exurb of Atlanta. The overall average cost of car insurance in Dallas is $206 per month, more than the national average of $158.
Dallas residents may face expensive auto insurance rates for a few different reasons. Though it has a fairly small population, the city has a relatively high population density of around 1,900 people per square mile.[1] The regularity of severe weather in Georgia also contributes to expensive auto rates in the state, due to the risk for potential damages.
Hugo, Auto-Owners, and State Farm are the three cheapest car insurance companies for Dallas drivers.
Dallas drivers pay an average of $242 per month for full coverage and $171 for liability coverage, according to Insurify data.
Because Georgia is an at-fault state, the driver responsible for the accident must cover the other driver’s damages.[2]
3 of the cheapest car insurance companies in Dallas, Georgia
Drivers in Dallas, Georgia, have a number of quality options when it comes to finding affordable car insurance. But the best car insurance company looks different for everyone because insurers consider your driving record, age, location, vehicle, and credit history. Comparing a few companies can help you find the best insurer for your needs.
Below, you can see some of the best car insurance companies in Dallas and what they stand out for.
Insurance Company
▲▼
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.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
Auto-Owners
8.5
$94
$59
Cheap rates
State Farm
9.3
$101
$64
Young drivers
USAA
9.4
$118
$75
Military families
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.
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.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
$68/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
Auto-Owners has the cheapest liability and full-coverage car insurance rates in Dallas. The company also offers policyholders a wide variety of discounts for additional savings. The company is also a good insurer if you want to customize your coverage. You can add endorsements like accident forgiveness, gap insurance, diminished value coverage, rental car coverage, and more.
Pros
Some of the lowest average rates for liability and full coverage in Dallas
My agent explained all my options, knew what I wanted and found a great deal for me! Awesome experience and service!
Mary - September 30, 2024
Verified
Premium Too High
I had them for only 6 months. I went from paying $162 to $638. I added a new car and a new driver. I understood there would be an increase, but not such a big one.
Charles - September 28, 2024
Verified
Auto Owners Insurance
This is a good company. However, their rates have become too expensive.
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.
$74/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.
$111/mo
State Farm is an excellent option for young drivers in Dallas. The company offers several discounts for student drivers — including the Steer Clear program and savings for good students, students away at school, and taking an approved defensive driving course. State Farm is also highly rated for overall customer satisfaction by J.D. Power.
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.
$85/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
USAA sells insurance to active-duty, reserve, and retired military personnel, as well as select military family members. In addition to low rates, USAA also has lots of discounts. You can earn savings for being a good driver, garaging your vehicle on base, policy bundling, insuring a safe vehicle, and more. USAA also has high third-party ratings for overall customer satisfaction and financial strength.
Their service is good, but the rates are overpriced compared to other places.
Herbert - October 10, 2024
Verified
USAA's Rising Rates
I wouldn't recommend purchasing USAA. They continue to increase rates for your car as it ages, even if you have no tickets or claims. It feels like a rip-off.
Steven - October 8, 2024
Verified
High Cost
I am paying over $500 a month for car insurance, which is more than my monthly car payment.
…
How to get the cheapest car insurance in Dallas
Drivers in Dallas can save money on auto insurance in a number of ways. Here are some tips for getting the cheapest premium for your situation:
Bundle your policies. Most insurance companies offer a discount if you purchase car insurance with another insurance product, like homeowners insurance or renters insurance.
Take advantage of discounts. Most insurers offer a number of discounts. For example, you can sometimes save money on your annual premium if you pay up front and in full instead of in monthly installments.
Choose a high deductible. If you have a full-coverage insurance policy, choosing high deductibles for collision and comprehensive insurance will typically lower your premium.
Compare quotes. Car insurance companies charge different rates for the same type and amount of coverage. Comparing quotes from several insurers can help you find the cheapest company for your insurance needs.
Cheapest liability-only car insurance in Dallas: Hugo
All vehicle owners in Dallas, Georgia, must carry a minimum amount of liability coverage. Personal liability insurance covers your legal and financial responsibilities if you cause an accident and are liable for the other driver’s bodily injuries or property damage. It doesn’t cover any of your medical expenses or vehicle repairs.[3] Liability-only policies in Dallas cost $171 per month, on average.
Minimum coverage is the cheapest type of car insurance available, but rates vary by insurance company. In the table below, you can see which Dallas car insurance companies have the cheapest rates for liability-only insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Hugo
$61
Auto-Owners
$68
State Farm
$74
COUNTRY Financial
$75
Allstate
$80
Mile Auto
$81
USAA
$85
Progressive
$99
Safeco
$105
GEICO
$118
Mercury
$123
Clearcover
$129
Elephant
$148
Liberty Mutual
$148
Direct Auto
$149
AssuranceAmerica
$152
GAINSCO
$165
Midvale Home & Auto
$165
National General
$173
Nationwide
$177
Infinity
$218
The General
$225
Bristol West
$250
Foremost
$269
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Dallas: Auto-Owners
Full-coverage insurance provides more protection than liability insurance. A standard full-coverage policy includes liability, collision, comprehensive, and medical payments coverage. If you have an accident, full-coverage insurance can pay for your losses. It also covers your vehicle repairs following non-collision incidents like vandalism, fire, and weather events. Dallas drivers pay an average of $242 per month for full coverage.
Here are the Dallas insurance companies with the cheapest full-coverage premiums.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$104
State Farm
$111
COUNTRY Financial
$113
Allstate
$122
USAA
$130
Mile Auto
$137
Safeco
$170
Progressive
$173
GEICO
$179
Mercury
$192
Elephant
$212
State Auto
$233
Clearcover
$242
Hugo
$243
Midvale Home & Auto
$254
AssuranceAmerica
$264
Liberty Mutual
$268
Nationwide
$268
Direct Auto
$273
National General
$292
Foremost
$335
GAINSCO
$336
The General
$386
Infinity
$410
Bristol West
$486
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Dallas, Georgia
Recent Dallas, Georgia car insurance prices for Nissan, Volvo, Dodge , and more.
*Quotes generated for Insurify users in and around Dallas, Georgia within the last 10 days. Last updated on October 10, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 10, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dallas, Georgia within the last 10 days. Last updated on October 10, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 10, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Dallas
Georgia drivers must carry a minimum amount of car insurance, including bodily injury and property damage liability.[4] Georgia is a tort, or fault, state. In the event of an accident, the at-fault driver’s auto insurer compensates the other driver for their resulting medical expenses and vehicle repairs.
In addition to the required liability coverage, Dallas drivers can also add optional coverages to their policy. You should consider the following insurance endorsements for more vehicle protection:
Collision
This policy kicks in to cover the cost of damage to your vehicle after an accident or collision with an object, regardless of fault.
Comprehensive
Following damage from a non-collision incident — such as fire, vandalism, or severe weather — this coverage protects you if you lease or finance your vehicle.
Gap insurance
You may want to consider gap insurance if you finance or lease your vehicle. If you total your car, gap insurance pays the difference between your car’s value and what you owe the lender.
Accident forgiveness
This coverage waives your first accident, so your rate won’t increase. Some insurance companies only sell this policy to people with a clean driving record.
Roadside assistance
Specifics depend on the company, but roadside assistance pays for basic roadside repairs if you get stranded. It often covers things like flat-tire changes, a new battery, fuel delivery, lockouts, and towing up to a certain distance.
Cheapest car insurance for drivers with an incident
Having any incidents on your driving record, including speeding tickets or at-fault accidents, can affect the cost of your auto insurance. People with these violations on their record usually pay higher rates for insurance because they pose a greater risk for companies to insure. More serious violations, like driving under the influence, typically have the biggest effect on cost.[5]
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Cheapest car insurance for drivers with a speeding ticket: Hugo
Receiving a speeding ticket can cause your car insurance premium to increase. The actual rate increase depends on many factors, including your insurance company and your existing driving record. The average cost of car insurance for drivers with a speeding ticket in Dallas is $335 per month for full coverage and $237 for liability only.
In the table below, you can see which car insurance companies in Dallas have the cheapest average monthly liability-only rates for drivers with a speeding ticket.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Hugo
$61
$78
Auto-Owners
$68
$88
State Farm
$74
$94
COUNTRY Financial
$75
$99
Allstate
$80
$103
Mile Auto
$81
$107
USAA
$85
$109
Progressive
$99
$127
Safeco
$105
$137
GEICO
$118
$151
Mercury
$123
$169
Clearcover
$129
$168
Elephant
$148
$206
Liberty Mutual
$148
$206
Direct Auto
$149
$191
AssuranceAmerica
$152
$197
GAINSCO
$165
$229
National General
$173
$223
Nationwide
$177
$229
Infinity
$218
$291
The General
$225
$292
Bristol West
$250
$321
Foremost
$269
$374
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Hugo
If you have an at-fault accident on your driving record, your insurance premium will probably increase unless you have optional accident forgiveness. However, you won’t see the rate increase immediately. Most insurance companies review your driving record when your policy renews and adjust your premium accordingly. For Dallas drivers with an accident, the average cost of car insurance is $350 per month for full coverage and $247 for liability only.
Below, you can see which Dallas car insurance companies have the cheapest liability-only monthly rates for drivers with an at-fault accident.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Hugo
$61
$88
Auto-Owners
$68
$92
State Farm
$74
$99
COUNTRY Financial
$75
$105
Allstate
$80
$108
Mile Auto
$81
$115
USAA
$85
$115
Progressive
$99
$135
Safeco
$105
$139
GEICO
$118
$160
Mercury
$123
$178
Clearcover
$129
$187
Elephant
$148
$196
Liberty Mutual
$148
$214
Direct Auto
$149
$206
AssuranceAmerica
$152
$204
GAINSCO
$165
$214
National General
$173
$236
Nationwide
$177
$242
Infinity
$218
$290
The General
$225
$309
Bristol West
$250
$336
Foremost
$269
$390
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Hugo
A DUI is one of the most serious violations you can get. If you’ve been convicted of driving under the influence, you can expect your auto insurance premium to increase significantly. Depending on whether your current insurance company works with high-risk drivers, your insurer may not renew your policy. After a DUI, Dallas drivers can expect to pay an average of $398 per month for full coverage and $282 for liability only.
Shopping around for new car insurance quotes after a DUI could help you find a more affordable rate. Here are the cheapest car insurance companies in Dallas for drivers with a DUI.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Hugo
$61
$101
Auto-Owners
$68
$112
State Farm
$74
$122
COUNTRY Financial
$75
$124
Allstate
$80
$132
Mile Auto
$81
$134
USAA
$85
$140
Progressive
$99
$163
Safeco
$105
$173
GEICO
$118
$195
Mercury
$123
$185
Clearcover
$129
$213
Elephant
$148
$244
Liberty Mutual
$148
$244
Direct Auto
$149
$246
AssuranceAmerica
$152
$251
GAINSCO
$165
$272
National General
$173
$285
Nationwide
$177
$292
Infinity
$218
$359
The General
$225
$371
Bristol West
$250
$412
Foremost
$269
$443
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Hugo
Senior drivers tend to pay higher car insurance rates than middle-aged adults. Premiums usually decrease around age 35 and increase again around age 70, according to Insurify’s internal rate data. But the cost of car insurance for seniors depends on other factors besides age, including your driving record, credit history, coverage limits, and chosen deductible. The average cost of car insurance for senior drivers in Dallas is $192 per month for full coverage and $136 for liability only.
Here are the cheapest car insurance companies for senior drivers in Dallas.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Quote: Full Coverage
▲▼
Average Quote: Liability Only
▲▼
Auto-Owners
$63
$41
State Farm
$65
$43
COUNTRY Financial
$69
$46
Allstate
$79
$52
Mile Auto
$84
$49
USAA
$85
$56
Progressive
$90
$51
GEICO
$114
$75
Mercury
$124
$79
Safeco
$126
$78
Elephant
$148
$103
Nationwide
$149
$99
Hugo
$161
$40
AssuranceAmerica
$166
$96
Direct Auto
$173
$95
Clearcover
$175
$93
National General
$183
$109
Liberty Mutual
$187
$103
Foremost
$222
$178
Infinity
$255
$135
GAINSCO
$258
$126
The General
$268
$156
Bristol West
$322
$166
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Hugo
Teen drivers pay the highest rates for car insurance out of any age group. Newly licensed teens have higher accident rates than older drivers and lack experience on the road.[6] Auto insurers account for this added risk by charging more expensive rates. The average cost of car insurance for teen drivers in Dallas is $466 per month for full coverage and $329 for liability only.
Although teen drivers pay high insurance premiums, you can find ways to get cheaper car insurance. For example, many insurers offer discounts for students who get good grades in school and drivers who insure a safe car. Teens can also get cheaper car insurance by joining their parents’ existing car insurance policy.
In the table below, you can see which Dallas car insurance companies have the cheapest average monthly rates for teen drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Quote: Full Coverage
▲▼
Average Quote: Liability Only
▲▼
COUNTRY Financial
$174
$116
Auto-Owners
$186
$121
State Farm
$199
$133
Allstate
$227
$149
USAA
$229
$149
Mile Auto
$278
$164
GEICO
$300
$198
Progressive
$324
$185
Safeco
$355
$219
Mercury
$362
$232
Elephant
$365
$255
Hugo
$419
$105
Clearcover
$486
$259
Nationwide
$487
$322
Liberty Mutual
$499
$275
AssuranceAmerica
$510
$294
Direct Auto
$522
$285
National General
$602
$356
GAINSCO
$617
$303
Foremost
$626
$502
The General
$650
$379
Infinity
$783
$416
Bristol West
$866
$445
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Dallas car insurance quotes by credit tier
Georgia car insurance companies use credit-based insurance scores. When you apply for a car insurance policy, the insurance company can check your credit history and use it to set your premium. In general, drivers with excellent or good credit pay lower rates than drivers with poor credit.
Below, you can see the average monthly cost of full-coverage car insurance in Dallas, Georgia, for drivers based on credit tier.
Rates by Credit Tier
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.
Is car insurance more expensive in Dallas?
Car insurance in Dallas, Georgia, is much more expensive than the U.S. national average. The average Dallas driver pays $242 per month for full coverage and $171 for liability-only coverage. To compare, the average American driver pays $211 per month for full coverage and $104 for liability-only coverage.
Georgia drivers pay average rates of $243 per month for full coverage and $148 for liability only. Drivers in Georgia may pay higher rates due to the regularity of severe weather in the state and high traffic congestion in certain areas. Dallas also has a high population density in relation to the city’s relatively small population.
More cities in Georgia
Location is another factor that affects the cost of car insurance in Georgia. Depending on your city and ZIP code, you might pay more or less than the average rate in Dallas. For example, Insurify data shows that the overall average premium in Atlanta is $248 per month, higher than the average rate in Dallas. However, drivers in Marietta pay less on average than drivers in Dallas.
Below, you can see the average liability and full-coverage car insurance premiums in several other Georgia cities.
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.
Dallas, Georgia, car insurance FAQs
Before shopping around for coverage, you should decide on the right amount of coverage for your insurance needs. The information below should help you navigate the process of finding cheap auto coverage in Dallas, Georgia.
How much is car insurance in Dallas, Georgia?
The overall cost of car insurance in Dallas, Georgia, is $206 per month. On average, drivers in the city pay $171 per month for liability coverage and $242 for full coverage.
Which companies have the cheapest car insurance in Dallas?
Hugo has the cheapest car insurance in Dallas, with a monthly liability-only rate of $61. Other affordable insurers include Auto-Owners and State Farm, with liability rates of $68 and $74 per month, respectively.
But the cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and type of car you drive.
What are the best car insurance companies in Dallas?
The best car insurance company in Dallas is State Farm. The company has an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior). Other top insurers include Auto-Owners, USAA, and Travelers.
Is Georgia a no-fault state?
No. Georgia is an at-fault state, which means the driver who causes an accident must cover the other driver’s damages, including medical bills and vehicle repairs.
How much auto coverage do you need in Georgia?
Drivers in Georgia need to carry $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage.
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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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