Cheapest Auto Insurance in Macon, Georgia (2024)

Hugo offers the cheapest car insurance in Macon, with minimum-coverage policies as low as $74 per month.

Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated April 18, 2024

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Cheapest recent rates near Macon, Georgia

Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $69/mo for full coverage in Macon and other Georgia cities.

*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on April 18, 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 April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on April 18, 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 April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly cost of car insurance in Macon is $254, higher than Georgia’s state average of $193. Known for its architecture, museums, and rich history, Macon is a beautiful place to visit or call home.

Thanks to its geographical location in the center of Georgia, Macon has earned the nickname “the Heart of Georgia.” Being in the center of the state has made Macon a transportation hub, which can increase the amount of traffic. This might contribute to Macon’s more expensive car insurance rates.

Here’s what you should know about comparing quotes and finding cheap car insurance in Macon.

Quick Facts
  • The average cost of car insurance in Macon is $321 per month for full coverage and $188 per month for liability coverage.

  • Hugo, Auto-Owners, and State Farm have the cheapest car insurance in Macon.

  • Macon drivers pay an average of $3,852 per year for full-coverage car insurance.

3 of the cheapest car insurance companies in Macon

Different factors influence the cost of car insurance, including age, gender, the type of car you drive, and your ZIP code.[1] How much you pay can also vary among insurance companies, as they use slightly different formulas to calculate insurance rates.

This is why it’s worthwhile to compare multiple insurers before selecting a policy. Ultimately, the insurance company that’s right for you will depend on your individual coverage needs and budget.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Hugo3.3$69$56Cheap rates
Auto-Owners4.0$95$66Students
State Farm4.5$102$70Families
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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
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
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.
$74/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.
$83/mo

Launched in 2021, Hugo is one of the newest insurance companies. It’s also the only insurance company that offers pay-as-you-drive liability insurance. Hugo charges no up-front fees, and you can pause your coverage whenever you need just by sending a text. If you’re someone who only drives on certain days, or during a particular season, Hugo allows you to pay for only the coverage you need.

Pros
  • Short-term policies available

  • Flexible, pay-as-you-go insurance

Cons
  • Limited additional coverage

  • No discounts available

Read our Hugo review
Ronald - March 8, 2024
Verified

Hugo gradually increases prices like other insurance companies

I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.

Leo - March 4, 2024
Verified

Great Option for Liability Coverage

Excellent.

Britany - February 26, 2024
Verified

Excellent

So far, so good.

Best insurer for students: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$86/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.
$124/mo

Auto-Owners started in 1916 in Lansing, Michigan. For student drivers, Auto-Owners offers several student discounts, including a good student discount of up to 20% for students that maintain a grade point average of “B” or better. The student-away discount is available for students attending school more than 100 miles from home without a vehicle.

Pros
  • Plenty of coverage options

  • Multiple discounts

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southeast

  • No online claims submission

Read our Auto-Owners review
Jack - April 9, 2024
Verified

Poor Handling but Partial Payment Made

I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.

Erin - April 7, 2024
Verified

Unhappy with Renewal Costs

The premium is ridiculously expensive for the few miles I drive.

Brandy - April 6, 2024
Verified

Fair Prices from a Trustworthy Company

I've had zero issues!

Best insurer for families: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$134/mo

With more than 100 years in insurance, State Farm ranks as the largest car insurance company in the U.S., according to data from the National Association of Insurance Commissioners (NAIC). State Farm offers customers a variety of insurance products, including home, small business, auto, and life insurance. With discounts for households insuring multiple cars and savings for customers who bundle insurance products, families have the opportunity to save with State Farm.

Pros
  • Above-average J.D. Power rating in the Southeast

  • Rideshare insurance available

Cons
  • Gap insurance not available

  • Can’t purchase a policy online

Read our State Farm review
Hephzibah - April 16, 2024
Verified

Looking for Good Service and Prices

Not good. The quotes changed and they were difficult to deal with.

Jane - April 16, 2024
Verified

Good Deals

They are friendly and offer good pricing.

Roger - April 16, 2024
Verified

Excellent

Very good agent.

How to get the cheapest car insurance in Macon

The cost of auto insurance can vary greatly between different companies based on several factors, including the type and amount of insurance you want, your age, marital status, gender, and the make and model of your vehicle.[1]

To find the cheapest rates in Macon, consider these tips:

  • Comparison shop. Since different insurance companies offer different rates, it’s a good idea to compare multiple companies if you want to secure a lower cost.

  • Look for discounts. Many companies offer car insurance discounts, including discounts for drivers who have taken a defensive driving course and good student discounts for young drivers who maintain good grades in school.

  • Drive a safe car. The make and model of your car influence your premiums. Driving a vehicle with high-quality safety equipment might help you secure a lower rate.

Find Cheap Car Insurance in Macon, Georgia

Liability rates start at $74 per month

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Cheapest liability-only car insurance in Macon: Hugo

Liability-only car insurance is typically the cheapest type of car insurance, and most states require it, including Georgia. If you cause an at-fault car accident, liability insurance covers the medical and property expenses of the other driver. Liability insurance doesn’t cover damage to your vehicle or your medical expenses.

The average cost of liability insurance in Macon is $188 per month.

The table below provides a list of insurance companies with the lowest rates for liability-only car insurance in Macon.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo74
Auto-Owners86
State Farm93
COUNTRY Financial94
Allstate102
Mile Auto102
USAA108
Progressive126
Safeco136
Mercury143
GEICO149
State Auto149
Clearcover152
National General175
Liberty Mutual176
AssuranceAmerica179
Elephant183
Direct Auto187
GAINSCO201
Midvale Home & Auto218
Nationwide224
Infinity251
The General278
Foremost331
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 full-coverage car insurance in Macon: Hugo

Full-coverage car insurance offers more financial protection than a liability-only policy. A full-coverage policy typically includes collision and comprehensive coverage.

Collision insurance covers the cost of damage to your car if you get in an accident with another vehicle or object and it’s your fault. Comprehensive coverage includes protection against events like theft, fire, or vandalism.

The average cost of full-coverage car insurance in Macon is $321 per month, but you can start your search for the cheapest insurers in the table below.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo83
Auto-Owners124
State Farm134
COUNTRY Financial136
Allstate147
USAA156
Mile Auto163
Progressive200
Travelers205
GEICO217
Mercury234
Safeco235
Elephant255
State Auto271
Clearcover274
AssuranceAmerica303
Midvale Home & Auto304
Liberty Mutual306
Direct Auto314
Nationwide318
National General361
Foremost393
GAINSCO407
Infinity452
The General464
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.

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Car insurance requirements in Georgia

In Georgia, drivers must maintain liability insurance coverage and meet the minimum limits. Driving without insurance coverage can result in the suspension or revoking of your registration, fines, and other penalties. If you get in an accident or you’re pulled over, you must provide acceptable proof of insurance.

Georgia requires the following limits for liability coverage:[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per incident
Property damage liability$25,000 per incident

While liability coverage is enough to drive legally in Georgia, it may not be enough coverage for everyone. Drivers in Georgia can also purchase additional auto insurance coverages, including:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers physical damage to your car from a collision or with another vehicle or object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for non-collision events, including theft, falling objects, vandalism, and fire.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If you get in a collision with a driver who doesn’t have insurance, uninsured/underinsured motorist insurance will help cover damages to your vehicle and injuries to you and your passengers.

Cheapest car insurance for drivers with an incident

Incidents include speeding tickets, driving under the influence, and at-fault accidents. Having incidents on your driving record can increase the cost of insurance. The amount your insurance rises in Macon depends on your insurance company and the severity of the incident.

In addition to higher insurance rates, you might also face license suspensions if you have a driving under the influence conviction.

Shop for Car Insurance in Macon, GA

Monthly rates start at $100 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Hugo

A speeding ticket can lead to higher insurance premiums because insurance companies see you as a higher risk. The average cost for drivers with a speeding ticket in Macon is $464 per month for full coverage and $272 for liability only.

If you get a speeding ticket in Macon, or anywhere in Georgia, you can also get a “Super Speeder” fine. Drivers ticketed going 75 mph or faster on a two-lane road, or 85 mph or faster on other highways or roads, will face a “Super Speeder” fine. This will add another $200 to the price of your speeding ticket.[3]

The following table includes the cheapest insurance companies for drivers with speeding tickets in Macon.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo74106
Auto-Owners86115
State Farm93119
COUNTRY Financial94124
Allstate102132
Mile Auto102146
USAA108140
Progressive126170
Safeco136191
Mercury143213
GEICO149193
Clearcover152212
National General175228
Liberty Mutual176245
AssuranceAmerica179247
Elephant183239
Direct Auto187250
GAINSCO201254
Nationwide224293
Infinity251334
The General278373
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 car insurance for drivers with an at-fault accident: Hugo

If you cause an accident, you can expect your insurance premiums to go up. How much your insurance increases will vary between companies, but the increase will usually stay on your premium for three years. The average cost of car insurance for drivers in Macon with an at-fault accident on their record is $484 per month for full coverage and $283 for liability only.

Here are the cheapest car insurance companies for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo74102
Auto-Owners86119
State Farm93126
COUNTRY Financial94134
Allstate102140
Mile Auto102156
USAA108148
Progressive126179
Safeco136203
Mercury143223
GEICO149204
Clearcover152247
National General175244
Liberty Mutual176259
AssuranceAmerica179255
Elephant183253
Direct Auto187265
GAINSCO201271
Nationwide224310
Infinity251330
The General278394
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 car insurance for drivers with a DUI: Hugo

A first-offense DUI in Macon can lead to a yearlong license suspension. You’ll also face a minimum fine of $300 and up to $1,000, as well as 40 hours of community service, a $210 license reinstatement fee, and possible jail time. With a second offense, the consequences are even more severe.[4]

Having a DUI on your driving record can dramatically increase your insurance premiums, and, in some cases, your insurer might drop you. Drivers in Macon with a DUI on their records pay an average of $548 per month for full coverage and $321 for liability car insurance.

The table below highlights the cheapest insurance for drivers with a DUI in Macon.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo74111
Auto-Owners86140
State Farm93151
COUNTRY Financial94153
Allstate102166
Mile Auto102172
USAA108176
Progressive126205
Safeco136222
Mercury143239
GEICO149243
Clearcover152248
National General175285
Liberty Mutual176287
AssuranceAmerica179292
Elephant183298
Direct Auto187305
GAINSCO201327
Nationwide224365
Infinity251409
The General278453
Foremost331539
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 car insurance for seniors: Auto-Owners

Car insurance rates typically decrease by age 35 and then start to increase again around age 70. This is because older drivers pose a high risk to insurers with fatal crash rates rising for drivers age 70 and older.[5] On average, Macon drivers in their 60s pay $146 a month for liability car insurance and $250 for full coverage.

The table below outlines the cheapest car insurance for seniors in Macon.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Auto-Owners9566
State Farm10170
COUNTRY Financial10774
Allstate11580
Mile Auto12176
USAA12184
Progressive14088
GEICO167115
Mercury186114
Elephant195140
Safeco195113
AssuranceAmerica219129
Nationwide232164
Direct Auto236140
Liberty Mutual244140
Clearcover248138
National General284138
GAINSCO326161
The General369221
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 car insurance for teens: Hugo

Teens pay the highest rates of vehicle insurance because they pose the highest risk to insurers compared to other age groups. On average, teen drivers in Macon pay $573 per month for full coverage and $336 for liability car insurance. 

Teens 16 to 19 years old have a fatal crash rate nearly three times higher than drivers age 20 and older, per mile driven. Factors that put teens at a higher risk include inexperience, distracted driving, speeding, and drinking alcohol.[6]

To try to keep the cost of teen insurance down, consider these tips:

  • Keep teens on their parents’ insurance policy. Rather than trying to get their own insurance policy, it’s cheaper for teens and young adults to stay on their parents’ policy.

  • Ask about a good grade discount. Some insurance companies offer discounts for teens who maintain good grades in school.

  • Raise your deductible. By raising your deductible, you can save more money on your insurance premium.

The following table shows the cheapest quotes for teen drivers in Macon.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Hugo150134
COUNTRY Financial193134
Auto-Owners207144
State Farm230160
Allstate259180
USAA259179
Mile Auto315197
GEICO344236
Progressive360227
Safeco421244
Elephant424304
Mercury431263
Clearcover491272
Liberty Mutual518298
Nationwide547385
Direct Auto575342
AssuranceAmerica584345
National General688334
Foremost704593
GAINSCO731361
The General746447
Infinity763423
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.

Shop for Car Insurance in Macon, GA

Liability rates cost an average of $188 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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Macon car insurance quotes by credit tier

In Macon, car insurers can use your credit history when determining your premiums, but it can’t be the only factor insurers use.

While you might think your credit score has nothing to do with how you drive, studies have found that credit scores are effective predictors of risk for auto insurance.[7] As a result, drivers with a good to excellent credit score typically pay lower premiums than drivers with a poor credit score.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Macon?

Compared to the Georgia overall average of $193 per month, Macon drivers pay more for car insurance — an overall average of $254 per month. The cost of insurance can vary based on the state and city where you live.

Factors such as crime rate and population density can affect your insurance rate. For example, cities with higher population densities, including Macon and Savannah, tend to have higher rates than smaller cities, such as Valdosta and Albany.

More cities in Georgia

Here’s how the average cost of car insurance in Macon compares to average costs in other Georgia cities.

CityFull CoverageLiability Only
Albany$205$131
Atlanta$257$204
Columbus$230$137
Dallas$249$177
Gainesville$224$131
Lawrenceville$262$170
Marietta$223$159
Savannah$265$178
Valdosta$169$107
Woodstock$230$150
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.

Macon car insurance FAQs

Learn more about lowering your car insurance costs, and check out the answers to common questions about auto coverage in Macon, Georgia, below.

  • How much is car insurance in Macon?

    The average cost of car insurance in Macon is $321 per month for full coverage and $188 per month for liability coverage, according to Insurify data.

  • What company has the cheapest car insurance in Macon?

    The cheapest car insurance companies in Macon are Hugo, Auto-Owners, and State Farm. They have monthly liability rates of $74, $86, and $93, respectively.

    But the cheapest insurer for you depends on your unique situation, coverage needs, and budget. It’s best to compare quotes from at least three different companies to find the cheapest auto coverage for you.

  • What are the best car insurance companies in Macon?

    The best car insurance companies in Macon include Auto-Owners and State Farm, which have strong Insurify Quality (IQ) Scores and decent customer satisfaction ratings. But the best insurer for you will depend on your coverage needs and budget, so take the time to shop around and compare quotes.

  • How much is car insurance in Georgia per month?

    The average cost of car insurance in Georgia is $240 per month for full coverage and $146 per month for liability coverage.

  • What’s the minimum car insurance for Georgia?

    Georgia’s car insurance requirements is 25/50/25, which translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[2]

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. III. "What determines the price of an auto insurance policy?."
  2. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
  3. State of Georgia. "Pay a Super Speeder Fine."
  4. Georgia Department of Driver Services. "DUI First Offense 21 and over."
  5. Insurance Institute for Highway Safety. "Older drivers."
  6. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  7. Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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