Cheap Car Insurance for Senior Drivers in Georgia

Auto-Owners offers the cheapest coverage for Georgia seniors, with an average rate of $58 per month for a liability insurance policy.

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Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica MartelInsurance Writer
  • 7+ years in personal finance writing

  • Certified Financial Education Instructor

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.

Jessica 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. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.

She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.

Katie Powers
Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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John Leach
Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
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  • 10+ years editing experience

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John is Insurify’s Chief Copy Editor, 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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Quick Facts
  • On average, Georgia seniors pay $233 per month for a full-coverage policy and $141 per month for liability-only coverage.

  • Auto-Owners offers the cheapest insurance in Georgia for senior drivers, with an average rate of $58 per month.

  • Since most crashes in Georgia occur during the afternoon commute hours, it’s safest for seniors to avoid the roads during rush hour.[1]

Best car insurance companies for seniors in Georgia

Georgia seniors pay some of the lowest car insurance rates in the state, but it’s still worth shopping around to find cheaper insurance and senior discounts. Offering affordable rates, reliable claims support, and coverage tailored to older drivers, USAA, State Farm, and Auto Owners are three of our top picks for the best car insurance for Georgia seniors.

USAA: Best for veterans

User Reviews
4.9
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.
$91/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.
$163/mo
4.9
Best choice in GeorgiaBased on 3,836 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.83.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

Best in Georgia for
Members of the military community
Outstanding customer service
Competitive rates
Showing 32 reviews from Georgia driversSee all 1,600 USAA reviews
Claudia
Verified Review
Excellent
Customer service is excellent. However, it is expensive.
Idamarie
Verified Review
Flim Flam Central
Make sure you are told the policy period. I had no idea and was not told that my coverage was only for 6 months. I could have stayed with my previous provider at a lower premium.
Gary
Verified Review
USAA - Not What It Is Made Out to Be
I was a victim of a hit and run. Due to the location of the damage, it was not discovered at the time it happened. When I submitted a claim for the issue, I found myself being questioned multiple times, seemingly to try to find cause to refuse my claim and not pay out. Then, upon review of my auto and home coverage, I found several key items of coverage completely missing or with an outrageous deductible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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

For more than 100 years, USAA has offered insurance to active military members, veterans, and their families. With more than 600,000 veterans in Georgia, accounting for 7% of the population, many senior drivers in the Peach State can take advantage of USAA’s broad coverage options and strong customer service.

Pros
  • 24/7 roadside assistance

  • High J.D. Power claims satisfaction rating

  • Safe driving discount

Cons
  • Limited eligibility

  • No senior discounts available

  • Higher than expected number of National Association of Insurance Commissioners customer complaints

State Farm: Best for local agents

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.
$78/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.
$139/mo
4.1
Best choice in GeorgiaBased on 18,924 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
How drivers feel about State Farm

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.

Based on analysis of verified reviews collected by Insurify

Best in Georgia for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from Georgia driversSee all 7,683 State Farm reviews
Pamela
Verified Review
Getting older, vehicle older, insurance costs more!
Confusing. Two vehicles, one driver aged 75, no accidents or claims. Insurance doubled (liability) when I added a 14-year-old car.
Mary
Verified Review
I appreciate it when they say they emailed me my insurance cards, and when I tell them nothing could be opened, they immediately call me to see what the problem was. Thanks!
I appreciate it when they say they emailed me my insurance cards, and when I tell them nothing could be opened, they immediately call me to see what the problem was. Thanks!
Douglas
Verified Review
Unpredictable
I've been with State Farm for a long time. They have added a bunch of rules, and you don't know what your payment is from month to month. They've made aggressive changes.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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

State Farm is the largest insurer in the U.S., and one of the company’s biggest advantages is its large in-person insurance agent network. From Atlanta to Grovetown, La Fayette, or Savannah, if you value face-to-face customer service, you can visit an agent in your local area.

State Farm also offers senior drivers many ways to save with discounts for good drivers, bundling, vehicle safety features, and more.

Pros
  • High J.D. Power customer claims ratings

  • Safe driver discount

  • Defensive driving course discount

Cons
  • No accident forgiveness coverage

  • No gap insurance coverage

  • Poor Trustpilot rating

Auto-Owners: Best for lowest rates

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.
$72/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.
$130/mo
4.3
Best choice in GeorgiaBased on 345 verified driver reviews and ratings
Auto-Owners's score
Industry average
Coverage options4.03.2
Customer service3.53.6
Discounts3.62.9
Policy transparency4.03.1
Value3.52.9
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 in Georgia 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
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
Uneventful.
Darryl
Verified Review
Insurance Shopping
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.
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

Established in 1916, Auto-Owners has a long history in the insurance industry. Today, the company offers some of the cheapest insurance for Georgia seniors. For car enthusiasts who collect classic vehicles, Auto-Owners offers specialized classic car coverage.

To help Georgia seniors save, the company has a range of discounts, including multi-policy and a payment history discount for drivers who consistently pay their premiums on time. Plus, if you take a defensive driving course, you may be eligible for a discount.

Pros
  • Large network of independent agents

  • Road Trouble Service coverage

  • High J.D. Power customer claims ratings

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

  • No online quotes

  • Poor Trustpilot rating

  • Our editorial team analyzed our proprietary data, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for senior drivers in Georgia. We also weighed rate affordability for senior drivers, coverage options, available senior-friendly and senior-specific discounts, customer satisfaction rankings, customer service reviews, and financial strength.

How much does car insurance for seniors cost in Georgia? 

The average cost of car insurance for a 60-year-old driver in Georgia is $186 per month, approximately 15% cheaper than average rates for a 30-year-old driver. Georgia drivers aged 55 and older tend to have lower crash rates and practice safer driving. But older drivers are more likely to suffer serious injuries if they’re in a crash.

One of the most common contributors to single-vehicle crashes in Georgia involving drivers 65 years and older is collisions with fixed objects or animals, like deer.

Drivers aged 65–74 account for 7% of crashes in Georgia, and drivers aged 75–84 account for nearly 3%.

Rates begin to increase for Georgia seniors around age 70, with average premiums of $201 per month. The increase is due to the high risk that older drivers pose, as advancing age can lead to impairments that affect driving ability.

The following table shows how rates differ for Georgia seniors in their 60s and 70s.

Senior Driver Rates

Category
Price
60s$187
70s$201

Car insurance discounts for senior drivers in Georgia

To reward driving experience and safer driving habits, many insurers offer discounts for senior drivers. Some common senior-friendly discounts include:

  • Clean driving record: Senior drivers with a clean driving history can often secure a lower annual premium. If you’re one of the 4% of Georgia drivers with a speeding ticket, or the nearly 5% with an accident on their record, you might not qualify for this discount.

  • Military and veteran discounts: With 16% of Georgia’s veteran population being seniors, many seniors and their families have an opportunity to take advantage of military discounts.[2]

  • Defensive driving discounts: Georgia requires discounts for drivers 50 and older who complete a driver safety improvement course. Georgia drivers can sign up for a driver improvement program or clinic approved by the Georgia Department of Driver Services (DDS).[3]

Find Cheap Car Insurance in Georgia

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How to get cheap car insurance for Georgia seniors

Seniors already pay some of the cheapest car insurance rates in Georgia. If you want to reduce your premiums even more, consider the following tips:

  • Compare quotes. Comparing car insurance quotes from multiple companies in Georgia is one of the easiest and most effective ways to find cheaper rates.

  • Take a defensive driving course. Georgia insurers often provide discounts to senior drivers who complete a Driver Improvement Program or Clinic that’s approved by the DDS.

  • Look into low-mileage discounts. If you’re retired and you no longer commute to work, you might qualify for a low-mileage discount. Most crashes in Georgia occur during commuting hours. If you no longer drive during those hours, less time in congested traffic can help lower your crash risk and, potentially, your premiums.

  • Maintain a clean driving record. A clean driving history free of accidents, tickets, and driving under the influence (DUI) charges can help you secure lower rates.

Car insurance rates for senior drivers in Georgia by city

Where you live is one of the factors insurers use to determine your car insurance premiums.

Senior drivers in Lithonia pay some of the highest premiums, with average monthly rates of $297. High rates can be attributed to a high population density and a long average commute time of 42 minutes, which is one and a half times longer than the average commute in Georgia.

La Fayette has some of the lowest average monthly rates, at $119. This is likely due to its low population, rural location, and low crash rate.

The following table shows the average monthly rates for seniors in Georgia cities.

City
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Acworth$142$228
Adairsville$115$183
Albany$116$224
Alpharetta$148$223
Americus$97$213
Athens$116$200
Atlanta$198$310
Auburn$172$247
Augusta$132$215
Austell$200$302
Barnesville$120$241
Baxley$93$182
Bethlehem$149$267
Blackshear$95$170
Braselton$140$212
Bremen$135$270
Brunswick$103$172
Buford$160$242
Byron$122$209
Calhoun$107$203
Canton$129$202
Carrollton$137$219
Cartersville$133$211
Cedartown$114$202
Chatsworth$95$161
Chickamauga$97$170
Clarkston$248$349
Cleveland$114$183
Columbus$124$213
Commerce$125$209
Conley$186$340
Conyers$188$301
Cordele$108$191
Covington$193$302
Cumming$133$219
Dacula$163$259
Dahlonega$117$197
Dallas$168$254
Dalton$98$167
Dawsonville$117$197
Decatur$233$355
Douglas$99$176
Douglasville$175$287
Dublin$114$216
Duluth$180$275
Eastman$95$176
Eatonton$111$196
Elberton$89$176
Ellenwood$206$328
Ellijay$102$171
Evans$128$200
Fairburn$188$313
Fayetteville$159$247
Flowery Branch$125$205
Forest Park$215$323
Fort Valley$125$226
Franklin$110$219
Gainesville$131$211
Grayson$182$270
Griffin$151$244
Grovetown$124$202
Guyton$119$214
Hampton$187$297
Hartwell$90$160
Hazlehurst$91$192
Hephzibah$127$221
Hinesville$119$211
Hiram$159$250
Hoschton$130$228
Hull$116$250
Jackson$136$249
Jasper$116$207
Jefferson$127$214
Jesup$99$190
Jonesboro$196$319
Kennesaw$146$240
Kingsland$104$170
La Fayette$94$144
Lagrange$118$222
Lawrenceville$177$272
Leesburg$113$212
Lilburn$186$277
Lithia Springs$175$280
Lithonia$234$360
Locust Grove$165$267
Loganville$182$277
Lula$132$202
Mableton$175$283
Macon$169$263
Marietta$168$251
Mcdonough$175$281
Milledgeville$122$238
Monroe$142$235
Montezuma$102$254
Morrow$198$306
Moultrie$101$171
Newnan$138$220
Norcross$190$277
Oxford$169$254
Peachtree City$121$202
Peachtree Corners$166$266
Perry$108$183
Pooler$140$232
Port Wentworth$137$256
Powder Springs$178$283
Rex$198$319
Richmond Hill$119$208
Rincon$128$205
Ringgold$100$171
Riverdale$214$335
Rockmart$126$232
Rome$123$207
Rossville$99$159
Roswell$152$232
Savannah$154$253
Sharpsburg$133$201
Smyrna$160$266
Snellville$185$304
Statesboro$110$221
Stockbridge$185$300
Stone Mountain$235$344
Summerville$102$197
Suwanee$174$263
Sylvania$104$174
Tallapoosa$114$198
Temple$139$242
Thomaston$120$230
Thomasville$103$186
Thomson$105$203
Tifton$100$178
Toccoa$95$187
Tucker$183$245
Tunnel Hill$98$194
Union City$205$325
Valdosta$99$166
Villa Rica$151$238
Warner-Robins$136$213
Waycross$96$172
Waynesboro$108$186
Winder$137$223
Woodstock$147$223
Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Shop for Car Insurance in Georgia

Monthly rates start at $58 for seniors

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Car insurance for Georgia seniors FAQs

Here’s some additional information about car insurance costs for Georgia seniors.

  • What is the cheapest car insurance for seniors in Georgia?

    Auto-Owners offers some of the cheapest car insurance for seniors in Georgia, with average premiums of $58 per month. Insurance rates can vary based on location, driving history, and the deductible you choose.

  • Is auto insurance more expensive for seniors?

    Seniors pay some of the lowest rates for car insurance because they have the most experience. The average car insurance rate for a 60-year-old driver in Georgia is $186 per month, cheaper than the average rate for a 40-year-old driver, which is $206. Rates begin to rise for senior drivers around age 70 due to an increase in impairments that can affect driving ability.

  • Do senior car insurance rates increase with age?

    Yes. Car insurance rates begin to increase for Georgia seniors around age 70, due to the higher risk that older drivers pose. Advancing age can lead to impairments that affect driving ability.

  • How much is auto insurance for senior drivers?

    The average cost of car insurance for senior drivers in Georgia is $141 per month for liability-only coverage and $233 for full coverage.

  • What is the best car insurance company for senior citizens in Georgia?

    USAA, State Farm, and Auto-Owners are three of our top picks for the best car insurance for seniors in Georgia. To find the insurer that’s right for you, compare policies from multiple companies. Compare prices and deductibles, coverage options, and customer reviews.

Sources

  1. GDOT. "Georgia Crash Data."
  2. Georgia Department of Human Services Division of Aging Services. "Today's Seniors."
  3. Georgia Department of Driver Services. "Driver Improvement Program."

Methodology

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:

  • 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.

Jessica Martel
Written byJessica MartelInsurance Writer
Jessica Martel
Jessica MartelInsurance Writer
  • 7+ years in personal finance writing

  • Certified Financial Education Instructor

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.

Jessica 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. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.

She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.

Katie Powers
Edited byKatie PowersLicensed P&C Agent, Senior Insurance Editor
Photo of an Insurify author
Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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John Leach
Reviewed byJohn LeachLicensed P&C Agent, Chief Copy Editor
Photo of an Insurify author
John LeachLicensed P&C Agent, Chief Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 20461358

John is Insurify’s Chief Copy Editor, 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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