Cheap Car Insurance for Low-Income Drivers in Georgia

What is low-income car insurance in Georgia?

Low-income car insurance in Georgia isn’t a type of policy. It’s simply a way to describe what low-income drivers are looking for in their insurance coverage. Like drivers of all income levels, drivers with lower incomes can shop around to find coverage that fits their budget. Most insurers also offer various discounts to help reduce premiums.

For example, many budget-conscious drivers opt for a minimum liability policy because it’s usually the cheapest option. While minimum coverage may better fit your budget in the short term, it offers little financial protection compared to a full-coverage policy. Saving money now with liability coverage could mean paying more later if you cause a serious accident.

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Cheapest car insurance in Georgia

Georgia drivers pay an average of $157 per month for liability-only auto insurance. That’s significantly higher than the national average of $98 per month.

Rates vary across the state. Drivers in Atlanta — the biggest city in the state — pay an average of $221 per month. But drivers in smaller cities like Augusta and Columbus typically pay less for coverage.

That said, some insurers offer rates significantly lower than the state average. Auto-Owners has the cheapest coverage in Georgia, with an average liability rate of $73 per month. State Farm and Country Financial also offer affordable coverage in the state.

The table below shows the cheapest liability insurance rates in Georgia, according to Insurify data.

The below rates in Georgia are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT. 

Insurance Company	Average Quote: Liability Only
Auto-Owners	$73
State Farm	$78
Country Financial	$79
Allstate	$85
Mile Auto	$89
USAA	$91
Progressive	$107
Mercury	$125
Root	$145
Bristol West	$147
GEICO	$147
Clearcover	$153
GAINSCO	$155
Direct Auto	$157
AssuranceAmerica	$166
The General	$166
National General	$175
Safeco	$178
Trexis One	$178
Mendota	$185
Nationwide	$188
First Acceptance	$192
Insurify Car	$194
Excepsure	$196
Trexis	$197
Hugo	$266
Liberty Mutual	$315

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.

Cheapest car insurance for drivers with poor credit in Georgia

Like many states, Georgia allows car insurance companies to consider your credit when determining your premiums.^[1] Generally, drivers with poor credit pay more for car insurance than drivers with good credit. That’s because studies have found drivers with poor credit tend to file more claims.^[2]

The table below highlights the average liability quotes for Georgia drivers with poor credit.

The below rates in Georgia are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT. 

Insurance Company	Average Liability Quote: Good Credit	Average Liability Quote: Poor Credit
Country Financial	$79	$95
Allstate	$85	$105
Auto-Owners	$73	$109
Mile Auto	$89	$110
USAA	$91	$112
State Farm	$78	$112
Progressive	$107	$134
Mercury	$125	$153
Root	$145	$179
Bristol West	$147	$182
GEICO	$147	$182
Clearcover	$153	$189
GAINSCO	$155	$192
Direct Auto	$157	$194
AssuranceAmerica	$166	$205
The General	$166	$205
National General	$175	$217
Safeco	$178	$220
Trexis One	$178	$223
Mendota	$185	$231
Nationwide	$188	$233
First Acceptance	$192	$240
Insurify Car	$194	$243
Excepsure	$196	$245
Trexis	$197	$246
Hugo	$266	$329
Liberty Mutual	$315	$377

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.

Car insurance options for low-income drivers in Georgia

Georgia doesn’t have a state-sponsored low-income car insurance plan. But even though the state doesn’t offer coverage, you still have ways to save on your car insurance.

Shopping around is the best place to start if you need auto insurance in Georgia that fits your budget. Every insurer has a slightly different way of calculating rates, so rates can vary across companies, even for the same driver and vehicle.

The insurers below are a good place to start your search. Each offers liability-only policies at rates below the state average.

• Auto-Owners: Auto-Owners offers a robust selection of coverage options and discounts to help you find affordable rates.

• Country Financial: Known for offering cheap rates, Country Financial also has a range of car insurance discounts to help you save money. But you need to work with an insurance agent to finalize coverage through this company.

• Mile Auto: Mile Auto specializes in pay-per-mile car insurance, which can help you get the coverage you need while paying only for the miles you drive. If you don’t travel far or drive often, Mile Auto could offer significant savings.

Minimum car insurance requirements in Georgia

Georgia requires drivers to have a minimum amount of car insurance.^[3] To legally drive in the Peach State, you need at least:

• Bodily injury liability coverage: $25,000 per person and $50,000 per accident to help pay for the medical bills of the other driver and their passengers after you cause an accident

• Property damage liability coverage: $25,000 per accident to help repair or replace another driver’s vehicle after an at-fault accident

If you’re looking for the cheapest car insurance, a minimum-coverage policy is usually the answer. But when you opt for minimum coverage, you could be financially vulnerable if you cause an accident.

For example, if you cause an accident on Interstate 75 and damage your vehicle, you’d have to pay to repair or replace it yourself without any assistance from your insurer. You’d also have to pay out of pocket if a tree limb damages your car during a storm.

For drivers seeking better financial protection, full-coverage car insurance typically includes liability coverage, as well as collision and comprehensive coverage. Comprehensive and collision insurance help pay for your own injuries and damages after an accident, vandalism, or severe weather.

Coverage	Minimum Requirement	What It Covers
Bodily injury liability	$25,000 per person/$50,000 per accident	Medical bills incurred by other parties injured in the accident
Property damage liability	$25,000 per accident	Damage you cause to other vehicles or objects

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What affects car insurance rates in Georgia?

On average, Georgia drivers pay $208 per month for car insurance. But premiums vary dramatically across the Peach State. Drivers in Atlanta pay an average of $284 per month for coverage. But drivers in smaller cities like Augusta pay significantly lower rates, averaging $194 per month.

In Atlanta, drivers lost an average of 75 hours due to traffic congestion in 2025, according to INRIX.^[4] In addition to heavy traffic congestion in some parts of the state, elevated vehicle theft rates in DeKalb and Fulton counties contribute to higher car insurance costs. More traffic and higher theft rates increase the chances you’ll file a claim, driving up premiums.

Georgia also has a relatively high percentage of uninsured drivers. As of 2023, 19% of Peach State drivers didn’t have car insurance, according to the Insurance Information Institute.^[5] High numbers of uninsured drivers can drive up the cost of coverage for everyone else.

As in all U.S. states, your unique situation affects your car insurance rates. For example, a good driver with a clean driving record will likely pay less for coverage than a high-risk driver. In Georgia, Insurify data shows that 4% of drivers have a speeding ticket, 5% have an at-fault accident, and 1% have a driving under the influence (DUI) conviction — all of which increase insurance costs.

Georgia’s weather also drives up car insurance rates. With occasional tornadoes and heavy flooding, the state’s risk of severe weather damage increases premiums, as you’re more likely to file a claim.

Low-income car insurance FAQs