Cheapest Car Insurance for Low-Income Drivers in Georgia (2026)
Auto-Owners has the cheapest liability car insurance in Georgia, with an average rate of $90 per month.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Senior Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Table of contents
Car insurance costs can add up quickly, especially for households with a low income. If you’re looking to cut costs, opting for a liability insurance policy that meets Georgia’s minimum requirements to legally drive is typically the cheapest option.
Georgia considers drivers low-income if their household income is below the poverty line, which is currently about $32,000 per year for a family of four. Although the state doesn’t offer any government programs to provide car insurance to low-income households, drivers can still find affordable coverage that suits their budget.
Here’s how to find cheap auto insurance in the Peach State.
Quick Facts
Progressive, Mile Auto, and Auto-Owners are our top picks for Georgia drivers looking to save.
Drivers must carry at least $25,000 in property damage liability coverage, $25,000 in bodily injury coverage per person, and $50,000 in bodily injury coverage per accident.
In Georgia, full coverage costs an average of $242 per month, and liability coverage averages $159 per month.
Cheapest car insurance in Georgia
Georgia drivers pay an overall average of $200 per month for car insurance. But if you opt for liability-only coverage through affordable companies, you can find cheaper rates. For example, drivers pay an average of $90 per month for a liability-only policy through Auto-Owners.
The table below highlights the cheapest car insurance rates by company in Georgia.
The below rates are estimated rates current as of: Tuesday, January 6 at 11:00 AM PST.
Insurance Company  | Average Quote: Liability Only |
|---|---|
| Auto-Owners | $90 |
| Mile Auto | $93 |
| State Farm | $97 |
| COUNTRY Financial | $98 |
| Allstate | $106 |
| Progressive | $111 |
| USAA | $113 |
| Mercury | $146 |
| Root | $150 |
| GAINSCO | $168 |
| Bristol West | $169 |
| Direct Auto | $174 |
| GEICO | $183 |
| Clearcover | $194 |
| Safeco | $196 |
| National General | $197 |
| AssuranceAmerica | $204 |
| The General | $210 |
| Infinity | $227 |
| Nationwide | $234 |
| Hugo | $263 |
| Liberty Mutual | $394 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best car insurance for drivers with a low income in Georgia
When looking for the most affordable car insurance, you’ll find that liability-only car insurance is the cheapest option. But some insurers offer more affordable rates than others. Georgia drivers can generally find the best car insurance through Progressive, Mile Auto, and Auto-Owners, according to Insurify data.
Here’s a closer look at these three companies to help you figure out if they’re right for you.
Progressive: Best for digital tools
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | 8.7 /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. | $111/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. | $223/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,778)
Dan
Verified Review
Price
Reviewed in Massachusetts on January 2026
Best price.
Rodney
Verified Review
Unexpected Rate Increase
Reviewed in Pennsylvania on January 2026
You buy it. It's cheap with great coverage, but 5 months later, you get your bill for 6 months, and it goes up by $87.
Paul
Verified Review
Progressive experience
Reviewed in Texas on January 2026
Good deal
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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
Progressive is the second-largest insurance company in the U.S. It offers extensive resources to its customers, including solid digital tools to manage car insurance needs. For example, the Name Your Price tool can make it easy to find coverage that fits your budget.
The company has a large network of agents. But below-average claims satisfaction and poor customer ratings could mean issues when submitting claims.
Pros
Extensive digital tools
Highly rated mobile app
Relatively affordable rates
Cons
Below-average J.D. Power claims satisfaction rating
Poor Trustpilot rating
Poor customer service reviews on the Better Business Bureau (BBB) website
Mile Auto: Best for infrequent drivers
| User Reviews | 4.5 |
|---|---|
| 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. | 8.8 /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. | $93/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. | $145/mo |
4.5
Best choiceBased on 186 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (64)
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 2025
You won't know until you try them. They are good.
Cheryl
Verified Purchase
We are so glad we chose MileAuto
Reviewed in Ohio on December 2025
Really meets our needs now that we have retired and drive very little. Good service with nice people. It's easy to do our monthly check-in, and they always send the statement several days before they draft the payment. Recommend them highly.
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.
2.18A.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
Mile Auto offers pay-per-mile car insurance coverage, which means infrequent drivers can potentially tap into affordable rates. With pay-per-mile coverage, you pay a low monthly base rate and a low per-mile rate. Low-mileage drivers can save between 30% and 40% on their premiums with Mile Auto, according to the company.
Pros
Pay-per-mile model could lead to significant savings
Full coverage and liability coverage available
“Excellent” AM Best financial strength rating
Cons
Poor customer rating with the BBB
Must manually report your mileage
May not be cost-effective for frequent drivers
Auto-Owners: Best for working with a live agent
| 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. | $90/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 |
4.3
Best choiceBased on 274 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
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
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (136)
Randy
Verified Review
Excellent
Reviewed in Florida on January 2026
They're a very good company and easy to work with.
Carol
Verified Review
Too High Rates
Reviewed in Pennsylvania on January 2026
Rates go up significantly even though there are no claims.
Monte
Verified Review
Insurance Auto
Reviewed in Indiana on January 2026
The price is high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
Auto-Owners consistently offers relatively affordable auto insurance rates to Georgia drivers, and there are plenty of agents in the state. Auto-Owners earned an above-average rating in J.D. Power’s auto claims satisfaction study, indicating that many drivers are happy with their experience.
If you’re looking for an affordable insurer and like working with a live agent, Auto-Owners is a great option.
Pros
Above-average J.D. Power claims satisfaction rating
Affordable rates
Gap insurance available
Cons
Can’t finalize a policy purchase online
Poor Trustpilot rating
Low BBB customer review rating
Our editorial team analyzed regional and national auto insurance companies that sell policies in Georgia to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts, bundling options, and specialty or supplemental coverages.
Cheapest car insurance for drivers with poor credit in Georgia
In the Peach State, insurance companies can look at your credit when determining car insurance costs.[1] Drivers with poor credit generally pay more for coverage than drivers with good credit. That’s because studies show drivers with poor credit may be more likely to file a claim, which affects the insurance company’s bottom line.[2]
Working to improve your credit can positively affect your car insurance costs over time. Some strategies for improvement include paying your bills on time and checking your credit report for errors.
The table below highlights the average liability-only quotes by credit tier and insurance company in Georgia.
The below rates are estimated rates current as of: Tuesday, January 6 at 11:00 AM PST.
Insurance Company | Average Liability Quote: Good Credit | Average Liability Quote: Poor Credit |
|---|---|---|
| Auto-Owners | $87 | $133 |
| Mile Auto | $91 | $115 |
| COUNTRY Financial | $94 | $116 |
| State Farm | $95 | $139 |
| Allstate | $105 | $131 |
| Progressive | $108 | $139 |
| USAA | $111 | $138 |
| Mercury | $143 | $180 |
| Root | $146 | $185 |
| GAINSCO | $163 | $207 |
| Bristol West | $167 | $208 |
| Direct Auto | $169 | $215 |
| GEICO | $180 | $226 |
| Safeco | $190 | $242 |
| Clearcover | $191 | $239 |
| National General | $191 | $243 |
| AssuranceAmerica | $198 | $252 |
| The General | $204 | $259 |
| Infinity | $220 | $280 |
| Nationwide | $230 | $288 |
| Hugo | $255 | $324 |
| Liberty Mutual | $383 | $473 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car insurance discounts for low-income drivers in Georgia
When looking for affordable car insurance, seeking out the right discounts can make all the difference. Some discounts to look for include:[3]
Bundling
Many insurance companies offer discounts to drivers who bundle their car insurance with other insurance products, like home insurance or renters insurance. Look for multi-policy and multi-car discounts.
Anti-theft devices
If your vehicle has an anti-theft device built in, that could lead to savings.
Good drivers
Drivers who avoid violations for a set period of time may be able to get a discount. Generally, making an effort to keep a clean driving record can pay off in the form of more affordable premiums.
Telematics programs
Some insurers offer discounts to drivers who participate in a telematics program and commit to good driving habits. Essentially, these programs track your driving behaviors, like speed and braking. If you demonstrate safe driving habits, you could unlock significant savings.
Defensive driving course
If you complete an approved driver safety course, you could save on your auto insurance policy.
Good student
If you’re a student or have a student on your policy, getting good grades could lead to a discount.
Another way to potentially lower your insurance premiums is to raise your deductible. A deductible is the amount of money you pay when you submit a claim before your insurance kicks in. If you can afford a higher deductible after an accident, this could lead to worthwhile savings.
Minimum car insurance requirements in Georgia
In order to legally drive in Georgia, you must carry a minimum amount of car insurance. To meet the requirements, your car insurance policy must include at least:[4]
Bodily injury liability coverage: You’ll need to carry at least $25,000 per person and $50,000 per accident. If you injure someone else in an accident, this can help pay for their medical bills.
Property damage liability coverage: You’ll need to carry at least $25,000 in this coverage type per accident. If you damage someone else’s car during an accident, this coverage can help pay to repair or replace it.
While sticking with a minimum-coverage policy often leads to the most affordable car insurance coverage, the bare-bones protection might leave you financially vulnerable. Liability-only insurance doesn’t cover your car if you cause an accident, just the other driver’s car.
For example, let’s say you cause an accident and your vehicle is badly damaged. You’d be on the hook for the repair bill unless you opt for a more robust policy that includes collision coverage. If you don’t have the funds to cover the repairs or the necessary insurance, you could fall into debt to cover the repairs or be stuck without a ride.
Low-income car insurance FAQs
Saving money on your car insurance is a top priority if you have a lower income. As you explore your car insurance options in Georgia, the additional information below may help.
Which company has the cheapest car insurance in Georgia?
Auto-Owners offers the cheapest car insurance to Georgia drivers, at an average monthly rate of $90. But your exact costs will vary based on your situation, so it’s important to compare multiple quotes.
How much is full-coverage car insurance in Georgia?
On average, full-coverage car insurance costs $242 per month in Georgia, according to Insurify data.
How do you get low-income car insurance in Georgia?
Georgia doesn’t have any low-income car insurance programs, so it’s up to you to compare companies to find the best quote, shop for discounts, and adjust your coverages.
What is the lowest form of car insurance required in Georgia?
Drivers in Georgia are required to carry a minimum of $25,000 in bodily injury liability coverage per person and $50,000 in bodily injury liability coverage per accident. Additionally, they must carry at least $25,000 in property damage liability coverage per accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Georgia Attorney General's Consumer Protection Division. "Credit and Debt."
- III. "What determines the price of an auto insurance policy?."
- III. "Nine ways to lower your auto insurance costs."
- Department of Revenue. "Vehicle Insurance Requirements."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
John LeachLicensed P&C Agent, Senior Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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