Cheap Full-Coverage Car Insurance in Georgia (2026)
Georgia drivers can find the cheapest full-coverage car insurance from Auto-Owners, with rates of $141 per month.
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Written byKat Tretina
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Quick Facts
Georgia drivers pay $257 per month for full-coverage insurance, which is higher than the national average of $183 per month.
Collision risk and weather-related hazards contribute to higher full-coverage premiums in Georgia.[1]
Georgia drivers can reduce premiums by increasing deductibles, comparing auto insurance quotes, and asking about car insurance discount programs.
Cheapest full-coverage car insurance in Georgia
In Georgia, full-coverage car insurance averages $257 per month. The cost of coverage varies by the insurer you choose and other personal factors, such as your age and driving history. Drivers can find the cheapest rates in Georgia by shopping around.
The table below highlights the insurers with the lowest rates for full-coverage insurance in Georgia, with Auto-Owners coming in at No 1.
The below rates in Georgia are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $141 |
| State Farm | $151 |
| COUNTRY Financial | $153 |
| Mile Auto | $158 |
| Allstate | $165 |
| USAA | $177 |
| Mercury | $221 |
| Root | $230 |
| Progressive | $236 |
| Safeco | $247 |
| Direct Auto | $283 |
| National General | $287 |
| Clearcover | $292 |
| AssuranceAmerica | $295 |
| GEICO | $298 |
| Bristol West | $312 |
| GAINSCO | $327 |
| Mendota | $351 |
| Trexis One | $359 |
| Nationwide | $365 |
| The General | $370 |
| Trexis | $390 |
| First Acceptance | $394 |
| Liberty Mutual | $401 |
Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Cheap Car Insurance in Georgia
Full-coverage quotes in Georgia start at $141/mo.
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How much is full-coverage insurance in Georgia?
The average cost of car insurance in Georgia is $257 per month for full coverage, which is significantly higher than the national average of $183.
Several factors drive up Georgia car insurance premiums, including weather-related risks and heavy traffic congestion in metro areas like Atlanta.[2] The state also has a higher-than-usual collision rate.
Your driving record can also affect your rates. High-risk drivers in Georgia, such as those with recent tickets, accidents, or DUI convictions, pay even higher rates.
How to find cheap full-coverage car insurance in Georgia
Finding cheap full coverage in Georgia depends on your driving record, location, and vehicle. You can find more affordable car insurance by following the tips below:
Adjust your deductible. Raising your collision and comprehensive deductibles — from $500 to $1,000, for example — can lower your monthly car insurance premiums.
Bundle your coverage. Most insurers offer a discount when you bundle your auto policy with other types of insurance, such as homeowners or renters insurance.
Ask about discounts. Talk to your insurer about additional car insurance discounts you may be eligible for, such as low-mileage, good student, or claims-free discounts.
Sign up for usage-based insurance (UBI). If you work remotely or have a short commute, UBI or telematics programs can help you save. Insurers base your premium on how safely you drive, so rates can vary significantly.
Shop around. Each insurer has its own underwriting process and may weigh factors like credit or driving history differently, so your rate may be different from your friend’s. Compare quotes from top insurers in Georgia to find the lowest rates.
What full-coverage car insurance covers
While full coverage is a common term, it’s not actually a specific type of car insurance. Instead, it describes a package of several types of coverage. Full-coverage policies typically include:
Bodily injury liability
Bodily injury liability pays for medical bills and expenses related to injuries you cause to others in an accident.
Property damage liability
Property damage liability covers damages you cause to another person’s vehicle or other property.
Collision coverage
Collision insurance pays to repair or replace your vehicle after an accident, regardless of fault.
Comprehensive coverage
Comprehensive insurance covers damage caused by non-collision events, such as weather, animals, and theft.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist insurance protects you if you’re in an accident with a driver who doesn’t have enough or any insurance. Nearly 20% of drivers in Georgia were uninsured in 2023, according to the Insurance Information Institute, so uninsured driver protection can be well worth the added cost.[3]
Medical payments insurance
Medical payments coverage pays for medical bills for you and your passengers after an accident.
Georgia is an at-fault state, so the driver responsible for the accident is liable for damages.[4] Georgia law requires all drivers to have an active car insurance policy that meets the following requirements:[5]
$25,000 of bodily injury liability per person
$50,000 of bodily injury liability per accident
$25,000 of property damage liability per accident
Georgia’s insurance requirements are just the minimum and may not be enough to protect you financially. Rather than the 25/50/25 minimum, many insurance experts recommend higher limits of at least 100/300/100 for stronger financial protection.
Minimum vs. full-coverage car insurance in Georgia
A minimum-coverage policy only meets Georgia’s liability insurance requirements, which may not provide adequate protection.
A full-coverage policy includes liability insurance plus physical damage coverage (collision and comprehensive), which protects your own vehicle if you cause an accident or from non-collision events.
The table below shows the key differences between liability-only and full-coverage policies.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Georgia | $155 | $257 |
| Covers damages to your own car when you’re at fault in an accident | No | Yes |
| Covers damage to other cars when you’re at fault in an accident | Yes | Yes |
| Covers vehicle theft or vandalism | No | Yes |
| Covers weather-related damage, such as a tree falling on your car in a storm | No | Yes |
| Covers animal-related collisions (e.g., hitting a deer) | No | Yes |
Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
In general, minimum coverage may make sense for older or high-mileage vehicles. Full-coverage policies are typically a better choice for newer vehicles, financed cars, or Georgia drivers who want more financial protection.
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Is full-coverage car insurance worth it in Georgia?
Full-coverage car insurance can be worth it for many drivers in Georgia. The state has a high number of registered vehicles and heavy urban traffic in cities like Atlanta. Georgia also had a relatively high accident rate of 4.63% in 2024, according to Insurify data.
Rates can also vary between cities, such as Savannah, due to coastal weather risks, while inland cities like Augusta face different regional factors that can affect rates.
For example, say you rear-end another vehicle during rush hour traffic, and the damage to your own car is $7,000. A minimum-liability policy wouldn’t cover those repairs. You’d be responsible for the entire repair bill.
With a full-coverage policy, your insurer would cover the damage (minus your deductible), significantly reducing your financial risk.
Pros and cons of full-coverage car insurance in Georgia
Pros
Protects vehicles after accidents, theft, or weather-related damage
Meets lender requirements for financed or leased vehicles
Provides more financial protection
Cons
Costs significantly more than liability-only policies
Requires deductibles for collision and comprehensive claims
May not be cost-effective for older vehicles
Full-coverage car insurance in Georgia FAQs
For more information about full-coverage car insurance in Georgia, check out these answers to common questions:
How much does full-coverage car insurance cost on average in Georgia?
On average, drivers in Georgia pay $257 per month for full-coverage insurance. That’s higher than the national average of $183 per month.
Is full-coverage insurance worth it in Georgia?
Whether a full-coverage policy is worth it in Georgia depends on your budget and unique circumstances. Full coverage typically costs more than a liability-only policy, but it adds protection for you and your vehicle. It’s usually the best option if you lease or finance your car and if it would be costly to repair or replace it after an accident.
Does full-coverage car insurance protect you from uninsured motorists in Georgia?
Not necessarily. Full-coverage car insurance typically includes only liability, collision, and comprehensive coverage. It doesn’t automatically include uninsured/underinsured motorist (UM/UIM) coverage. You can add UM/UIM coverage to your policy for additional protection against uninsured motorists in Georgia.
How can you save money on full coverage in Georgia?
One of the best ways to save money on full-coverage car insurance in Georgia is to shop around and compare quotes from several companies. You may also lower your premiums by increasing your deductible, asking about discounts, or signing up for a telematics program.
Sources
- Georgia Emergency Management and Homeland Security Agency. "Storms & Disasters."
- INRIX Global Traffic Rankings. "Global Traffic Scorecard."
- III. "Facts + Statistics: Uninsured motorists."
- Nolo.com. "Georgia Car Accident Laws and Statute of Limitations."
- Office of the Commissioner of Insurance and Safety Fire. "Auto."
Methodology
Insurify data scientists analyzed more than 190 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.
)
Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
Lequita WestbrooksSenior Editor
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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