Cheapest Car Insurance for Low-Income Drivers in Georgia (2026)

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.

Cheapest car insurance in Georgia

Georgia drivers pay an overall average of $209 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 $73 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 in Georgia are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 

Insurance Company	Average Quote: Liability Only
Auto-Owners	$73
State Farm	$79
Country Financial	$80
Allstate	$86
Mile Auto	$88
USAA	$91
Progressive	$112
Mercury	$123
Root	$144
Bristol West	$147
GEICO	$148
GAINSCO	$152
Clearcover	$153
Direct Auto	$155
The General	$166
AssuranceAmerica	$168
National General	$175
Safeco	$178
Trexis One	$178
Mendota	$183
Nationwide	$189
First Acceptance	$192
Excepsure	$194
Insurify Car	$196
Trexis	$196
Hugo	$274
Liberty Mutual	$316

Disclaimer: Table data sourced from real-time Georgia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Georgia 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

digital tools

Compare Quotes

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	637
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.	$112/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.	$225/mo

Details

Driver Reviews

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Competitive rates

Easy buying process

Telematics program

Showing 75 reviews from Georgia driversSee all 8,409 Progressive reviews

Carlos

Verified Review

Too Expensive

Reviewed in Georgia on April 25, 2026

It's a good service, but I think it's expensive for the type of car and the year. Paying $273 every month is a lot for me.

Richard

Verified Review

Bait and switch on 04/23/2026

Reviewed in Georgia on April 24, 2026

Progressive gave me a quote on 04/22/2026, which was lower than my renewal rate. I accepted the new quote with full premium payment once they sent me my declaration page on 04/23/2026.

Hiram

Verified Review

Rates are sky high. I have no tickets, no accidents, and still, for a 2007 Nissan 350Z, I pay $289 a month. This is ridiculous for a 75-year-old man, married but separated, to pay. Oh yeah, I am on Social Security too!

Reviewed in Georgia on April 22, 2026

Rates are sky high. I have no tickets, no accidents, and still, for a 2007 Nissan 350Z, I pay $289 a month. This is ridiculous for a 75-year-old man, married but separated, to pay. Oh yeah, I am on Social Security too!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

A.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

infrequent drivers

Compare Quotes

User Reviews	4.5 200 reviews
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.	$88/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.	$151/mo

Details

Driver Reviews

4.5

Best choiceBased on 200 verified driver reviews and ratings

	Mile Auto's score	Industry average
Coverage options	4.1	3.2
Customer service	3.4	3.6
Discounts	4.1	2.9
Policy transparency	4.0	3.1
Value	4.1	2.9

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

---

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing 13 reviews from Georgia driversSee all 67 Mile Auto reviews

Maureen

Verified Purchase

Low mileage savings made easy

Reviewed in Georgia on April 16, 2026

This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Jonathan

Verified Purchase

Great

Reviewed in Georgia on December 9, 2025

Great insurance

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.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).

NR

Why 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

working with a live agent

Compare Quotes

User Reviews	4.3 331 reviews
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.	$73/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.	$133/mo

Details

Driver Reviews

4.3

Best choiceBased on 331 verified driver reviews and ratings

	Auto-Owners's score	Industry average
Coverage options	4.0	3.2
Customer service	3.5	3.6
Discounts	3.6	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviewsSee all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

Reviewed in Nebraska on April 12, 2026

Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

650

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.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

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 in Georgia are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT. 

Insurance Company	Average Liability Quote: Good Credit	Average Liability Quote: Poor Credit
Auto-Owners	$71	$109
Country Financial	$76	$96
State Farm	$77	$114
Allstate	$85	$106
Mile Auto	$87	$108
USAA	$89	$112
Progressive	$109	$140
Mercury	$120	$151
Root	$141	$177
GEICO	$143	$182
Bristol West	$144	$181
GAINSCO	$147	$187
Clearcover	$148	$188
Direct Auto	$150	$191
The General	$160	$204
AssuranceAmerica	$162	$207
National General	$169	$215
Safeco	$172	$219
Trexis One	$173	$223
Mendota	$178	$229
Nationwide	$185	$233
First Acceptance	$187	$240
Excepsure	$188	$243
Insurify Car	$190	$245
Trexis	$190	$245
Hugo	$264	$337
Liberty Mutual	$308	$379

Disclaimer: Table data sourced from real-time Georgia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Georgia 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