120+ more*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Car insurance is expensive in Georgia, with premiums averaging $199 per month, compared to the national average of $136. In Georgia, liability-only insurance averages $158 per month, with full coverage averaging $240 per month.
We collected rates from 120+ companies to help you find cheap car insurance in Georgia. Although premiums vary by location and deductible, the data below shows insurers with the lowest monthly liability-only quotes by coverage level and driver profile.
Driver Category | Cheapest Insurance Company in Georgia | Cheapest Monthly Quote in GA |
|---|---|---|
| Overall | Auto-Owners | $89 |
| State-minimum coverage | Auto-Owners | $89 |
| Full coverage | Auto-Owners | $126 |
| Drivers with a clean record | Auto-Owners | $89 |
| After a speeding ticket | Auto-Owners | $118 |
| After an at-fault accident | Auto-Owners | $121 |
| After a DUI | Auto-Owners | $120 |
| Teen/new drivers | COUNTRY Financial | $154 |
| Seniors | Auto-Owners | $71 |
| Bad credit | COUNTRY Financial | $116 |
In Georgia, you must carry liability insurance to drive legally.[1] While liability insurance in Georgia covers bodily harm or property damage you cause in a car accident, it won’t pay for your medical bills or vehicle repairs.
Liability-only insurance in Georgia averages $158 per month. Auto-Owners offers the cheapest rates in Georgia for liability coverage, with premiums averaging $89 per month.
See the companies with the cheapest liability car insurance in Georgia, along with their average monthly quotes, in the table below.
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 | $89 |
| State Farm | $96 |
| Mile Auto | $96 |
| COUNTRY Financial | $97 |
| Allstate | $105 |
| USAA | $112 |
| Progressive | $134 |
| Mercury | $145 |
| Root | $154 |
| Bristol West | $167 |
| GAINSCO | $169 |
| Direct Auto | $177 |
| GEICO | $183 |
| Clearcover | $194 |
| AssuranceAmerica | $195 |
| National General | $196 |
| Safeco | $197 |
| Trexis One | $201 |
| Mendota | $203 |
| The General | $207 |
| Insurify Car | $212 |
| Insurify Car | $212 |
| Insurify Car | $212 |
| Insurify Car | $212 |
| Excepsure | $217 |
| Trexis | $222 |
| Infinity | $225 |
| First Acceptance | $229 |
| Nationwide | $232 |
| Hugo | $312 |
| Liberty Mutual | $381 |
)
Mallory Mooney
Director of Sales and Client Services, Insurify
Georgia’s state-minimum coverage keeps you legal, but it may not fully protect you after a serious accident. If costs exceed your limits, you’re responsible for the difference, so it’s worth considering higher limits.
Full-coverage insurance in Georgia includes liability, collision, and comprehensive coverage. Collision coverage pays to repair or replace your vehicle after a wreck, while comprehensive insurance covers non-collision claims, such as vandalism, theft, fire damage, or an object falling on your car.
A full-coverage policy in Georgia costs an average of $240 per month. Auto-Owners typically offers the cheapest full-coverage insurance in Georgia, with monthly premiums averaging $126.
The table below shows cheap full-coverage car insurance quotes in Georgia.
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 | $126 |
| State Farm | $136 |
| COUNTRY Financial | $137 |
| Mile Auto | $148 |
| Allstate | $148 |
| USAA | $159 |
| Mercury | $209 |
| Root | $221 |
| Progressive | $232 |
| Safeco | $240 |
| GEICO | $251 |
| Insurify Car | $264 |
| Insurify Car | $264 |
| Insurify Car | $264 |
| Insurify Car | $264 |
| Direct Auto | $268 |
| Clearcover | $272 |
| National General | $278 |
| AssuranceAmerica | $310 |
| Bristol West | $312 |
| GAINSCO | $322 |
| Nationwide | $327 |
| The General | $342 |
| Mendota | $342 |
| Trexis One | $354 |
| First Acceptance | $376 |
| Trexis | $390 |
| Liberty Mutual | $400 |
| Infinity | $418 |
*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurers typically write traditional auto policies with six-month terms and may offer a monthly payment option. But if you need temporary insurance coverage in Georgia or want to avoid a large payment, weekly insurance might be a better fit.
Insurify Car lets you make week-to-week payments for liability-only car insurance, keeping up-front costs lower. You can start coverage when you need it, get immediate proof of insurance, pay weekly, and cancel coverage when it’s no longer necessary.
Several factors drive up insurance costs in the Peach State, including rising repair costs, a high percentage of underinsured drivers, and a higher accident rate.[2] Georgia also experiences severe weather, including windstorms, damaging hail, and tornadoes.[3]
Comparing quotes from the best car insurance companies in Georgia can help you find competitive rates and reliable coverage.
| 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. | $96/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 |
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.
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.
State Farm offers some of the cheapest car insurance rates in Georgia. You can also save by bundling auto and homeowners or renters insurance and using the Drive Safe & Save telematics program. With State Farm’s extensive network of insurance agents in Georgia, it’s easy to find in-person support.
Low average premiums in Georgia
Rideshare coverage available
Above-average J.D. Power customer satisfaction rating in the Southeast
No accident forgiveness
Gap insurance not available
Poor Better Business Bureau (BBB) reviews
| 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. | $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. | $137/mo |
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
COUNTRY Financial offers competitively priced auto insurance policies for teens in Georgia, with discounts available for good grades and safe driving. Teens can take the insurer’s online safety course, Simply Drive, to receive a discount of up to 10%.
Optional roadside assistance — which covers gas delivery, towing, jump-starts, flat-tire changes, and lockouts — can also help teen drivers get back on the road.
Competitive rates and discounts for Georgia teens
A+ (Superior) AM Best financial strength rating
Lower-than-expected number of complaints reported to the National Association of Insurance Commissioners (NAIC)
Restrictions on stand-alone policies for drivers younger than 19
Limited Trustpilot and BBB reviews
Not ranked in J.D. Power customer satisfaction survey
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $126/mo |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Georgia seniors may find some of the most affordable car insurance rates from Auto-Owners — especially if they have a clean driving record. Auto-Owners offers additional coverage options, including roadside assistance and rental reimbursement, which can be helpful for older drivers who rely on one primary vehicle.
Cheaper insurance costs for Georgia seniors
Many car insurance discounts
Lower-than-expected number of complaints reported to the NAIC
Below-average J.D. Power customer satisfaction rating in the Southeast region
Limited telematics and usage-based discounts
Online quotes not available
Car insurance in Georgia rose by a sharp 26% in 2024, following Hurricane Helene, which damaged around 16,800 vehicles in the state. Rates continued to climb in 2025 but began to decline toward the end of the year after legislative action to curb insurance fraud.
For 2026, Insurify projects a 1.8% increase, bringing the average Georgia car insurance cost to $2,992 annually.
The graph below illustrates how car insurance rates in Georgia have changed over the past five years.
Insurify partners with 120+ top insurers for real-time quotes
To drive legally in Georgia, you must carry the following minimum coverage limits for bodily injuries and property damage:
Coverage Type | Georgia Requirement |
|---|---|
| Bodily injury (per person) | $25,000 |
| Bodily injury (per accident) | $50,000 |
| Property damage | $25,000 |
If you’re convicted of driving under the influence (DUI) in Georgia, you may be required to carry higher liability limits under Georgia law.[4]
Although Georgia drivers are legally required to carry minimum liability coverage, around 19% of the state’s drivers are uninsured. While Georgia law doesn’t require drivers to carry underinsured or uninsured motorist coverage, insurers must offer it, and drivers have to reject it in writing.
The average cost of car insurance in Georgia varies by location. You may find the most affordable car insurance in cities like Valdosta and Brunswick. Meanwhile, Decatur and downtown Atlanta can be more expensive.
Below is a comparison of average monthly rates across several Georgia cities.
City | Average Monthly Quote |
|---|---|
| Albany | $171 |
| Alpharetta | $203 |
| Athens | $171 |
| Atlanta | $271 |
| Augusta | $187 |
| Columbus | $181 |
| Dallas | $223 |
| Dalton | $138 |
| Gainesville | $180 |
| Lawrenceville | $239 |
| Macon | $235 |
| Marietta | $227 |
| Savannah | $218 |
| Valdosta | $146 |
| Warner-Robins | $188 |
| Woodstock | $198 |
Drivers with good credit and a history of safe driving are more likely to find cheap Georgia car insurance, paying an average of $158 per month for liability coverage.
The table below shows the cheapest liability quotes in Georgia for people with a clean driving record.
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 | $85 |
| State Farm | $92 |
| Mile Auto | $92 |
| COUNTRY Financial | $93 |
| Allstate | $103 |
| USAA | $107 |
| Progressive | $133 |
| Mercury | $142 |
| Root | $153 |
| GAINSCO | $160 |
| Bristol West | $161 |
| Direct Auto | $169 |
| AssuranceAmerica | $171 |
| National General | $179 |
| GEICO | $180 |
| The General | $195 |
| Clearcover | $198 |
| Infinity | $199 |
| Trexis One | $199 |
| Mendota | $201 |
| Safeco | $210 |
| Insurify Car | $210 |
| Insurify Car | $210 |
| Insurify Car | $210 |
| Insurify Car | $210 |
| Excepsure | $215 |
| Nationwide | $217 |
| Trexis | $220 |
| First Acceptance | $227 |
| Hugo | $314 |
| Liberty Mutual | $397 |
Insurers can request your motor vehicle report (MVR) from the Georgia Department of Driver Services (DDS) to check for violations, such as speeding tickets.[5] Georgia drivers with a ticket on their record pay higher premiums, averaging $203 per month for liability insurance.
The following table shows the cheapest insurance rates for drivers with a speeding ticket in Georgia.
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 | $118 |
| Mile Auto | $119 |
| State Farm | $123 |
| COUNTRY Financial | $135 |
| Allstate | $139 |
| USAA | $147 |
| Progressive | $172 |
| GAINSCO | $204 |
| Mercury | $205 |
| Root | $208 |
| Bristol West | $213 |
| Direct Auto | $224 |
| GEICO | $242 |
| National General | $247 |
| AssuranceAmerica | $251 |
| Clearcover | $255 |
| Trexis One | $259 |
| Mendota | $261 |
| Safeco | $263 |
| Insurify Car | $273 |
| Insurify Car | $273 |
| Insurify Car | $273 |
| Insurify Car | $273 |
| Excepsure | $279 |
| The General | $280 |
| Trexis | $286 |
| Infinity | $290 |
| First Acceptance | $295 |
| Nationwide | $305 |
| Hugo | $412 |
| Liberty Mutual | $491 |
Georgia is an at-fault state, meaning the driver who caused the accident is liable for injuries and property damage.[6] If you cause a crash, insurers often group you with higher-risk drivers and increase your rate after an accident.
Georgia drivers pay an average of $223 per month for liability insurance after an at-fault accident.
The data below highlights the most affordable auto insurance quotes after an at-fault accident.
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 | $121 |
| State Farm | $131 |
| Mile Auto | $134 |
| COUNTRY Financial | $137 |
| Allstate | $145 |
| USAA | $155 |
| Progressive | $189 |
| Root | $212 |
| GAINSCO | $224 |
| Mercury | $225 |
| Bristol West | $227 |
| GEICO | $246 |
| Direct Auto | $249 |
| AssuranceAmerica | $268 |
| National General | $269 |
| Trexis One | $283 |
| Safeco | $284 |
| Mendota | $286 |
| Clearcover | $291 |
| The General | $294 |
| Insurify Car | $299 |
| Insurify Car | $299 |
| Insurify Car | $299 |
| Insurify Car | $299 |
| Infinity | $301 |
| Excepsure | $306 |
| Trexis | $313 |
| Nationwide | $322 |
| First Acceptance | $323 |
| Hugo | $400 |
| Liberty Mutual | $524 |
In Georgia, a first DUI offense within five years triggers a driver’s license suspension. You can request reinstatement after 120 days with mandatory DUI education or the Drug Use Risk Reduction Program.[7]
Insurers typically raise rates after a DUI, with Georgia drivers paying an average of $194 per month for a liability policy.
Below are the cheapest car insurance quotes for Georgia drivers with a DUI.
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 | $120 |
| COUNTRY Financial | $126 |
| State Farm | $129 |
| Mile Auto | $129 |
| Allstate | $141 |
| USAA | $151 |
| Progressive | $164 |
| Mercury | $205 |
| Root | $210 |
| Bristol West | $225 |
| GAINSCO | $227 |
| Direct Auto | $238 |
| GEICO | $245 |
| Trexis One | $247 |
| Mendota | $249 |
| Insurify Car | $260 |
| Insurify Car | $260 |
| Insurify Car | $260 |
| Insurify Car | $260 |
| Clearcover | $261 |
| AssuranceAmerica | $262 |
| National General | $264 |
| Excepsure | $266 |
| Trexis | $272 |
| The General | $279 |
| First Acceptance | $281 |
| Safeco | $285 |
| Infinity | $303 |
| Nationwide | $312 |
| Hugo | $420 |
| Liberty Mutual | $513 |
You may need to file a Georgia Safety Responsibility Insurance Certificate (SR-22A) with the state after certain violations. Your insurer must directly fax the document to the DDS.[8]
Similar to a DUI, insurers classify SR-22 filers as high-risk drivers and often charge higher premiums. Drivers who need an SR-22 in Georgia pay an average of $194 per month for liability insurance.
The data below shows the most affordable SR-22 car insurance in Georgia.
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 | $109 |
| State Farm | $118 |
| Mile Auto | $118 |
| COUNTRY Financial | $119 |
| Allstate | $129 |
| USAA | $137 |
| Progressive | $164 |
| Mercury | $178 |
| Root | $189 |
| Bristol West | $205 |
| GAINSCO | $207 |
| Direct Auto | $217 |
| GEICO | $225 |
| Clearcover | $238 |
| AssuranceAmerica | $239 |
| National General | $240 |
| Safeco | $242 |
| Trexis One | $247 |
| Mendota | $249 |
| The General | $254 |
| Insurify Car | $260 |
| Insurify Car | $260 |
| Insurify Car | $260 |
| Insurify Car | $260 |
| Excepsure | $266 |
| Trexis | $272 |
| Infinity | $276 |
| First Acceptance | $281 |
| Nationwide | $285 |
| Hugo | $383 |
| Liberty Mutual | $467 |
Policies for high-risk drivers start at $114 per month
Georgia uses a graduated licensing system under the Teenage and Adult Driver Responsibility Act. Joshua’s Law requires teens ages 16 and 17 to complete driver education and supervised driving hours to obtain a driver’s license in Georgia.[9]
Because younger drivers pose a higher claim risk, car insurance for teens is often more expensive. In Georgia, teen drivers pay an average of $282 per month for liability insurance.
The table below shows the cheapest quotes for teen drivers in Georgia.
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 |
|---|---|
| COUNTRY Financial | $154 |
| Auto-Owners | $177 |
| State Farm | $185 |
| Mile Auto | $196 |
| USAA | $206 |
| Allstate | $206 |
| Progressive | $239 |
| Root | $264 |
| Mercury | $266 |
| Bristol West | $296 |
| GAINSCO | $307 |
| Clearcover | $315 |
| GEICO | $325 |
| Direct Auto | $339 |
| Trexis One | $359 |
| The General | $360 |
| Mendota | $362 |
| Insurify Car | $378 |
| Insurify Car | $378 |
| Insurify Car | $378 |
| Insurify Car | $378 |
| Excepsure | $387 |
| National General | $394 |
| Safeco | $394 |
| Trexis | $396 |
| AssuranceAmerica | $402 |
| First Acceptance | $409 |
| Infinity | $415 |
| Nationwide | $450 |
| Hugo | $535 |
| Liberty Mutual | $665 |
Seniors have years of driving experience and tend to drive less, which means they pay some of the lowest insurance rates. To further promote road safety, Georgia’s Department of Public Health offers the Older Driver Safety Program, which helps reduce injuries and fatalities among older drivers.[10]
A liability-only policy for Georgia seniors averages $137 per month.
Below are the most affordable auto insurance rates for Georgia senior drivers.
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 | $71 |
| State Farm | $76 |
| Mile Auto | $76 |
| COUNTRY Financial | $78 |
| Allstate | $86 |
| USAA | $91 |
| Mercury | $116 |
| Progressive | $116 |
| Root | $129 |
| Bristol West | $139 |
| Direct Auto | $143 |
| GAINSCO | $144 |
| GEICO | $146 |
| AssuranceAmerica | $153 |
| National General | $155 |
| Infinity | $165 |
| Clearcover | $171 |
| Safeco | $173 |
| The General | $175 |
| Trexis One | $175 |
| Mendota | $176 |
| Nationwide | $178 |
| Insurify Car | $184 |
| Insurify Car | $184 |
| Insurify Car | $184 |
| Insurify Car | $184 |
| Excepsure | $188 |
| Trexis | $193 |
| First Acceptance | $199 |
| Hugo | $270 |
| Liberty Mutual | $319 |
Georgia law allows auto insurance companies to consider your credit history when underwriting and assessing risk. But it can’t be the sole factor an insurer uses to determine your rates and eligibility.[11]
The following table shows the cheapest car insurance quotes for drivers with bad credit in Georgia.
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 |
|---|---|
| COUNTRY Financial | $116 |
| Mile Auto | $118 |
| Allstate | $129 |
| Auto-Owners | $133 |
| USAA | $137 |
| State Farm | $138 |
| Progressive | $168 |
| Mercury | $177 |
| Root | $189 |
| Bristol West | $205 |
| GAINSCO | $208 |
| Direct Auto | $218 |
| GEICO | $225 |
| Clearcover | $239 |
| AssuranceAmerica | $240 |
| National General | $241 |
| Safeco | $242 |
| Trexis One | $251 |
| Mendota | $254 |
| The General | $255 |
| Insurify Car | $265 |
| Insurify Car | $265 |
| Insurify Car | $265 |
| Insurify Car | $265 |
| Excepsure | $271 |
| Infinity | $277 |
| Trexis | $278 |
| Nationwide | $285 |
| First Acceptance | $286 |
| Hugo | $384 |
| Liberty Mutual | $456 |
Score the best Georgia car insurance rates for your credit
For more information on shopping for car insurance in Georgia, see the answers to frequently asked questions below.
In Georgia, Auto-Owners has the cheapest insurance rates, with liability premiums averaging $89 per month, according to Insurify data.
Root uses a mobile app to track your driving behavior for several weeks before providing a quote. If you’re a safe driver and don’t drive many miles, Root may be a cheap option for you.
Whether $300 per month is “bad” for car insurance depends on your age and driving history. Drivers in Georgia pay an average of $158 per month for liability insurance and $240 per month for full coverage. Drivers with a history of tickets or at-fault accidents typically pay higher rates.
One of the best ways to lower your car insurance premium in Georgia is to shop around regularly and compare quotes. You can also raise your deductibles, reduce your coverage if you have an older car, and ask your insurer which discounts you qualify for.
In Georgia, Progressive offers cheaper liability coverage. Progressive’s average monthly liability rate is $134 compared to GEICO’s $183. But your rate may vary based on the type of car you drive, your driving record, your ZIP code, and the coverage you choose.
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:
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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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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