Cheapest Auto Insurance in Georgia (2024)
Auto-Owners has the cheapest rates in Georgia, at $58 per month for state-minimum liability-only coverage.
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Written byEmily Guy Birken
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Plutus Award winner
12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 20, 2024
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Table of contents
Georgia drivers pay an overall average of $198 per month for car insurance, according to Insurify data.
Finding cheap car insurance in Georgia can depend on various factors, including your driving history, your age, and even your credit history.[1] The cheapest insurance companies in the Peach State have average prices lower than the state average monthly costs for full-coverage auto insurance and liability-only coverage. Comparing car insurance quotes is the best way to find affordable coverage for your needs.
Here’s what you need to know about finding cheap car insurance in Georgia, no matter your situation.
Quick Facts
The average cost of car insurance in Georgia is $152 per month for liability coverage and $244 per month for full coverage.
COUNTRY Financial is the cheapest insurer in Georgia for teens and young drivers, according to Insurify data.
Georgia is an at-fault state, which means the driver responsible for an accident is financially responsible for damages.
3 of the cheapest car insurance companies in Georgia
Finding inexpensive car insurance may feel out of your control since insurance companies ultimately determine your rates.
“Insurers use more than a dozen personal rating factors to determine the cost of your auto insurance policy,” says Mark Friedlander, Insurance Information Institute director of corporate communications.
But that doesn’t mean drivers have no control over their premium costs. Friedlander adds that “most [factors] are things a driver can control, such as motor vehicle record, credit-based insurance score, [and] claims history.”
While demographic factors, such as marital status, location, age, and gender, can also affect your rates, maintaining a clean driving record and credit history, as well as limiting your claims, can go a long way to keeping your insurance costs low.
Hugo
| 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. | 7.0 /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. | $273/mo |
4.1
Best choiceBased on 121 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
Georgia is one of the 13 states that Hugo offers coverage in. Launched in 2021, Hugo is currently the only insurance company offering policy terms as short as three days and the ability to make smaller, more frequent micropayments. Drivers open an account with Hugo without paying a down payment and choose their policy term.
Hugo sells policies for three, seven, 14, or 30 days, or six months, and offers minimum-coverage liability insurance. Hugo no longer sells full-coverage policies, and liability policies are limited to state minimums — you can’t buy higher liability limits.
Pros
Short-term policies
No up-front down payment required
Flexible, pay-as-you-go insurance
Cons
Only available in 13 states
Doesn’t offer collision or comprehensive coverage
No discounts available
Auto-Owners
| 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. | 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. | $58/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. | $93/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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
About 18% of Georgia drivers were uninsured in 2022, according to the Insurance Information Institute.[2] If you want to protect yourself in an accident, Auto-Owners is a great option for full-coverage insurance. The company boasts a Superior rating from AM Best and has a high J.D. Power score for claims satisfaction.
Pros
Plenty of discounts for customers to reduce premiums
Offers at-fault accident forgiveness
Cons
No online quotes available
Lower mobile app rating than other insurers
Mile Auto
| User Reviews | 4.2 |
|---|---|
| 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. | 7.5 /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. | $76/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. | $129/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
Senior drivers pay some of the cheapest rates because they’re the most experienced drivers. But seniors who are retired and may not drive as much can save even more with usage-based insurance, such as Mile Auto. The company charges people based on the number of miles they drive, and it offers both full-coverage and liability-only policies for Georgia seniors.
Pros
Doesn’t require a telematics device
Certain low-mileage drivers can save 30% to 40% off their current rates
Cons
No discounts or bundles available
Customers can’t manage their policies online
How to get the cheapest car insurance in Georgia
The cost of auto insurance in Georgia depends on a number of factors. Some of those factors are under your control. These include your driving record, the type of car you drive, the number of miles you drive, and how much insurance coverage you purchase. But other factors are out of your control — such as your age, gender, and location.
Even though you can’t control all the factors that determine your insurance premiums, here are several strategies you can adopt to find the cheapest car insurance in Georgia:
Increase your deductible. A higher deductible means lower premiums. Just have a plan for paying the higher deductible if you need to file a claim.
Bundle insurance. Many insurance companies offer discounts to buyers who get their auto and homeowners insurance from them.
Drive defensively. Maintaining a clean driving record is one of the best ways to get and keep low insurance rates.
Shop around. Comparing quotes from multiple insurers is the best way to find the coverage you need at a price you can afford.
Shop for Car Insurance in Georgia
Liability quotes start at $58 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Georgia: Auto-Owners
Drivers who want to lower their insurance costs may choose a liability-only insurance policy. This kind of policy will only cover the costs of property damage or bodily injury to a third party. If you cause an accident, your liability coverage will pay for damage and medical expenses for the person you hit. It won’t pay to repair or replace your car or pay for the medical care you or your passengers may need.
Liability insurance in Georgia costs an average of $152 per month. The following insurance companies offer cheap liability-only car insurance in the Peach State.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $58 |
| State Farm | $63 |
| COUNTRY Financial | $63 |
| Allstate | $68 |
| USAA | $73 |
| Mile Auto | $76 |
| Progressive | $91 |
| Safeco | $98 |
| GEICO | $101 |
| Mercury | $111 |
| Clearcover | $129 |
| Liberty Mutual | $143 |
| Nationwide | $151 |
| Direct Auto | $151 |
| GAINSCO | $159 |
| AssuranceAmerica | $171 |
| National General | $183 |
| The General | $219 |
| Infinity | $221 |
| Bristol West | $221 |
| Foremost | $249 |
| Hugo | $273 |
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 in Georgia
Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $67/mo for full coverage in Georgia.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest full-coverage car insurance in Georgia: Auto-Owners
Full-coverage car insurance offers drivers more financial protection than liability-only coverage. In addition to liability, a full-coverage policy also provides collision coverage, which pays for damage to your vehicle if you cause an accident, and comprehensive coverage, which pays for the loss or damage of your car because of something other than an accident, such as weather or theft.
Georgia drivers pay an average of $244 per month for full coverage. The following insurers offer cheap full-coverage insurance in Georgia.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $93 |
| State Farm | $100 |
| COUNTRY Financial | $101 |
| Allstate | $109 |
| USAA | $117 |
| Mile Auto | $129 |
| Safeco | $153 |
| GEICO | $162 |
| Progressive | $162 |
| Mercury | $180 |
| Clearcover | $231 |
| Nationwide | $241 |
| Liberty Mutual | $249 |
| Direct Auto | $258 |
| National General | $275 |
| AssuranceAmerica | $289 |
| GAINSCO | $315 |
| Foremost | $323 |
| The General | $374 |
| Infinity | $393 |
| Bristol West | $418 |
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.
Car insurance rates fluctuate as you age. Teen drivers pay the highest rates because they have the least driving experience and are at a higher risk for car accidents. Rates typically decrease for drivers around age 25 but increase again for senior drivers age 70 and older.
In the table below, you can see average liability-only and full-coverage insurance costs for Georgia drivers in various age groups.
Age Group▲▼Average Quote: Liability Only▲▼Average Quote: Full Coverage▲▼Teen drivers $302 $484 Adult drivers $136 $218 Senior drivers $120 $192
Car insurance requirements in Georgia
Georgia is an at-fault state, which means that the person at fault for causing an accident is responsible for paying damages.[3] If you cause an accident, your liability insurance pays for the other party’s damages.
But what if there’s an accident and both parties are partially to blame? Under Georgia’s modified comparative negligence law, any party who is less than 50% responsible for an accident is eligible to receive compensation, although the percentage of blame may reduce the compensation amount.[4] Here are the state-minimum insurance requirements in Georgia:[5]
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
These minimum requirements are just that: the bare minimum necessary to drive legally in Georgia. Peach State drivers may purchase policies with higher liability coverage and may also purchase additional coverages, such as:
Comprehensive coverage
Comprehensive coverage pays for damage to your vehicle due to events other than accidents. This includes theft, fire, flood, and weather-related damage.
Collision coverage
Collision coverage pays to repair your vehicle if you’re the at-fault party in an accident. It covers collisions with other vehicles and objects such as trees, fences, and light poles. It also covers damage from rollover accidents.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages if you’re in a car accident and the at-fault driver doesn’t have insurance or has too little insurance.
Cheapest car insurance in Georgia by driving record
An incident on your driving record can increase your insurance premiums. Whether it was an at-fault accident, speeding ticket, or DUI, your insurance company will take notice of any serious moving violation, as it can indicate that you’re at a higher risk of getting into a collision and filing a claim.
Insurance companies increase rates for people with incidents on their driving record to account for this added risk.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI/DWI ▲▼ |
|---|---|---|---|
| Auto-Owners | $76 | $80 | $96 |
| State Farm | $81 | $86 | $105 |
| COUNTRY Financial | $84 | $90 | $105 |
| Allstate | $88 | $93 | $113 |
| USAA | $95 | $100 | $121 |
| Mile Auto | $99 | $107 | $126 |
| Progressive | $117 | $126 | $151 |
| Safeco | $129 | $133 | $151 |
| GEICO | $131 | $139 | $168 |
| Mercury | $154 | $163 | $170 |
| Clearcover | $168 | $190 | $214 |
| Direct Auto | $196 | $212 | $251 |
| Nationwide | $198 | $209 | $251 |
| Liberty Mutual | $200 | $209 | $237 |
| AssuranceAmerica | $221 | $230 | $284 |
| GAINSCO | $222 | $209 | $264 |
| National General | $238 | $251 | $304 |
| Bristol West | $288 | $303 | $367 |
| The General | $289 | $306 | $364 |
| Infinity | $296 | $297 | $367 |
| Foremost | $347 | $364 | $414 |
| Hugo | $348 | $399 | $453 |
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.
Georgia car insurance FAQs
Check out Insurify’s guides on SR-22 insurance and how to get a driver’s license in the Peach State for more information on Georgia car insurance.
Car insurance in Georgia costs an average of $244 per month for full coverage and $152 per month for liability only.
Drivers can find the cheapest rates in Georgia with State Farm and COUNTRY Financial, which have monthly liability rates as low as $63 and $63, respectively.
Auto-Owners and State Farm are two of the best traditional car insurance companies in Georgia, based on their low average rates, J.D. Power customer satisfaction, and AM Best financial strength ratings. But insurtech companies like Hugo and Mile Auto offer usage-based insurance for people who want lower rates based on how much they drive.
It’s worth noting that many standard national and regional insurance companies also offer UBI programs that can help drivers reduce car insurance costs.
Not when compared to national averages. Average car insurance rates in Georgia are more expensive than the national monthly averages of $204 for full coverage and $104 for liability only.
No, Georgia is an at-fault state. Georgia drivers who are responsible for car accidents pay for the other parties’ injuries and property damage through their liability insurance.
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
- 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.
Related articles
More cities in Georgia
Sources
- III. "What determines the price of an auto insurance policy?."
- III. "Facts + Statistics: Uninsured motorists."
- Nolo. "Georgia Car Accident Laws and Statute of Limitations."
- Justia. "2010 Georgia Code."
- Office of the Commissioner of Insurance and Safety Fire. "Auto."
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Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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