Cheapest Auto Insurance in Georgia (2024)

Auto-Owners has the cheapest car insurance quotes in Georgia, at $58 per month for state-minimum liability-only coverage.

Emily Guy Birken
Emily Guy Birken
  • Ganadora del Premio Plutus

  • Más de 12 años escribiendo sobre seguros y finanzas personales

Emily es ampliamente reconocida como una experta en finanzas personales y autora de varios libros sobre finanzas personales. Es una invitada habitual en medios de comunicación nacionales y regionales.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated December 19, 2024

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Cheapest recent car insurance quotes in Georgia

Recent Georgia car insurance prices for Jeep, Dodge, Hyundai , and more.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Georgia drivers pay an overall average of $198 per month for car insurance, according to Insurify data.

Finding cheap car insurance in Georgia can depend on various factors, including your driving history, your age, and even your credit history.[1] The cheapest insurance companies in the Peach State have average prices lower than the state average monthly costs for full-coverage auto insurance and liability-only coverage. Comparing car insurance quotes is the best way to find affordable coverage for your needs.

Here’s what you need to know about finding cheap car insurance in Georgia, no matter your situation.

Quick Facts
  • The average cost of car insurance in Georgia is $152 per month for liability coverage and $244 per month for full coverage.

  • COUNTRY Financial is the cheapest company in Georgia for teens and young drivers, according to Insurify data.

  • Georgia is an at-fault state, which means the driver responsible for an accident is financially responsible for damages.

3 of the cheapest car insurance companies in Georgia

Finding inexpensive car insurance may feel out of your control since insurance companies ultimately determine your rates.

“Insurers use more than a dozen personal rating factors to determine the cost of your auto insurance policy,” says Mark Friedlander, Insurance Information Institute director of corporate communications.

But that doesn’t mean drivers have no control over their premium costs. Friedlander adds that “most [factors] are things a driver can control, such as motor vehicle record, credit-based insurance score, [and] claims history.”

While demographic factors, such as marital status, location, age, and gender, can also affect your rates, maintaining a clean driving record and credit history, as well as limiting your claims, can go a long way to keeping your insurance costs low.

Hugo

Hugo logo
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.
7.0 /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.
$273/mo
4.1
Best choiceBased on 127 verified guest reviews and ratings
How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (49)

Natalie

December 5, 2024

Verified Purchase

Great! Affordable Insurance!

Excellent! It fits perfectly into my budget. It gives me peace of mind every time I head out.

Marcus

December 2, 2024

Verified Review

Bad Company

They never sent the state a record that I had insurance.

Sara

November 26, 2024

Verified Review

Poor

The service is poor, but they allow pay-as-you-go.
See all Hugo reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
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

Georgia is one of the 13 states that Hugo offers coverage in. Launched in 2021, Hugo is currently the only insurance company offering policy terms as short as three days and the ability to make smaller, more frequent micropayments. Drivers open an account with Hugo without paying a down payment and choose their policy term.

Hugo sells policies for three, seven, 14, or 30 days, or six months, and offers minimum-coverage liability insurance. Hugo no longer sells full-coverage policies, and liability policies are limited to state minimums — you can’t buy higher liability limits.

Pros
  • Short-term policies

  • No up-front down payment required

  • Flexible, pay-as-you-go insurance

Cons
  • Only available in 13 states

  • Doesn’t offer collision or comprehensive coverage

  • No discounts available

Auto-Owners

Auto-Owners logo
User Reviews
4.0
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.
8.5 /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.
$58/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.
$93/mo
4.0
Best choiceBased on 146 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

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

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)

Jim

November 24, 2024

Verified Review

Auto

Overall, it's good, though their flexibility on pricing is less than desired.

Debra

November 3, 2024

Verified Review

Excellent

They keep raising prices.

Scotty

November 2, 2024

Verified Review

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
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

About 18% of Georgia drivers were uninsured in 2022, according to the Insurance Information Institute.[2] If you want to protect yourself in an accident, Auto-Owners is a great option for full-coverage insurance. The company boasts a Superior rating from AM Best and has a high J.D. Power score for claims satisfaction.

Pros
  • Plenty of discounts for customers to reduce premiums

  • Offers at-fault accident forgiveness

Cons
  • No online quotes available

  • Lower mobile app rating than other insurers

Mile Auto

Mile Auto logo
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.
7.5 /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.
$76/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.
$129/mo
4.1
Best choiceBased on 61 verified guest reviews and ratings
Reviews (32)

Ambrosher

December 18, 2024

Verified Purchase

Too Expensive

Too expensive.

Marilyn

December 16, 2024

Verified Purchase

Mile Auto: Jury's Still Out

Please inform me about my monthly charge. Also, avoid using all caps. The photo link needs fixing.

Eva

December 4, 2024

Verified Purchase

Good

Good savings for people who don't drive a lot of miles.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
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

Senior drivers pay some of the cheapest rates because they’re the most experienced drivers. But seniors who are retired and may not drive as much can save even more with usage-based insurance, such as Mile Auto. The company charges people based on the number of miles they drive, and it offers both full-coverage and liability-only policies for Georgia seniors.

Pros
  • Doesn’t require a telematics device

  • Certain low-mileage drivers can save 30% to 40% off their current rates

Cons
  • No discounts or bundles available

  • Customers can’t manage their policies online

How to get the cheapest car insurance in Georgia

The cost of auto insurance in Georgia depends on a number of factors. Some of those factors are under your control. These include your driving record, the type of car you drive, the number of miles you drive, and how much insurance coverage you purchase. But other factors are out of your control — such as your age, gender, and location.

Even though you can’t control all the factors that determine your insurance premiums, here are several strategies you can adopt to find the cheapest car insurance in Georgia:

  • Increase your deductible. A higher deductible means lower premiums. Just have a plan for paying the higher deductible if you need to file a claim.

  • Bundle insurance. Many insurance companies offer discounts to buyers who get their auto and homeowners insurance from them.

  • Drive defensively. Maintaining a clean driving record is one of the best ways to get and keep low insurance rates.

  • Shop around. Comparing quotes from multiple insurers is the best way to find the coverage you need at a price you can afford.

Low-cost car insurance in Georgia

Georgia doesn’t have a program to help low-income drivers get affordable car insurance. But if you’re looking for a low-cost policy, you should consider shopping around for car insurance quotes every six months, allowing you to always be on top of which insurance company in your area is offering the cheapest rates at the moment.

Insurance companies continuously update their offered rates. Just because a certain insurer had the cheapest rates for you six months ago doesn’t necessarily mean they still do.

Shop for Car Insurance in Georgia

Liability quotes start at $58 per month

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Cheapest liability-only car insurance quotes in Georgia: Auto-Owners

Drivers who want to lower their insurance costs may choose a liability-only insurance policy. This kind of policy will only cover the costs of property damage or bodily injury to a third party. If you cause an accident, your liability coverage will pay for damage and medical expenses for the person you hit. It won’t pay to repair or replace your car or pay for the medical care you or your passengers may need.

Liability insurance in Georgia costs an average of $152 per month. The following insurance companies offer cheap liability-only car insurance in the Peach State.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote
Auto-Owners$58
State Farm$63
COUNTRY Financial$63
Allstate$68
USAA$73
Mile Auto$76
Progressive$91
Safeco$95
GEICO$101
Root$102
Mercury$110
Clearcover$127
Liberty Mutual$147
Nationwide$151
Direct Auto$152
GAINSCO$160
AssuranceAmerica$177
National General$185
Bristol West$218
The General$219
Infinity$225
Foremost$254
Hugo$273
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 recent car insurance quotes in Georgia

Recent Georgia car insurance prices for Chevrolet, Toyota, Ford , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest full-coverage car insurance quotes in Georgia: Auto-Owners

Full-coverage car insurance offers drivers more financial protection than liability-only coverage. In addition to liability, a full-coverage policy also provides collision coverage, which pays for damage to your vehicle if you cause an accident, and comprehensive coverage, which pays for the loss or damage of your car because of something other than an accident, such as weather or theft.

Georgia drivers pay an average of $244 per month for full coverage. The following insurers offer cheap full-coverage insurance in Georgia.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote
Auto-Owners$93
State Farm$100
COUNTRY Financial$101
Allstate$109
USAA$116
Mile Auto$129
Safeco$151
GEICO$161
Progressive$161
Root$162
Mercury$180
Clearcover$231
Nationwide$240
Liberty Mutual$254
Direct Auto$260
National General$276
AssuranceAmerica$297
GAINSCO$316
Foremost$322
The General$372
Infinity$394
Bristol West$413
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.
  • Car insurance rates fluctuate as you age. Teen drivers pay the highest rates because they have the least driving experience and are at a higher risk for car accidents. Rates typically decrease for drivers around age 25 but increase again for senior drivers age 70 and older.

    In the table below, you can see average liability-only and full-coverage insurance costs for Georgia drivers in various age groups.

    Age Group
    Average Quote: Liability Only
    Average Quote: Full Coverage
    Teen drivers$302$485
    Adult drivers$136$218
    Senior drivers$119$191

Car insurance requirements in Georgia

Georgia is an at-fault state, which means that the person at fault for causing an accident is responsible for paying damages.[3] If you cause an accident, your liability insurance pays for the other party’s damages.

But what if there’s an accident and both parties are partially to blame? Under Georgia’s modified comparative negligence law, any party who is less than 50% responsible for an accident is eligible to receive compensation, although the percentage of blame may reduce the compensation amount.[4] Here are the state-minimum insurance requirements in Georgia:[5]

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Bodily injury liability

    • $25,000 per person

    • $50,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability

    • $25,000 per accident

These minimum requirements are just that: the bare minimum necessary to drive legally in Georgia. Peach State drivers may purchase policies with higher liability coverage and may also purchase additional coverages, such as:

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

    Comprehensive coverage

    Comprehensive coverage pays for damage to your vehicle due to events other than accidents. This includes theft, fire, flood, and weather-related damage.

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

    Collision coverage

    Collision coverage pays to repair your vehicle if you’re the at-fault party in an accident. It covers collisions with other vehicles and objects such as trees, fences, and light poles. It also covers damage from rollover accidents.

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

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for damages if you’re in a car accident and the at-fault driver doesn’t have insurance or has too little insurance.

Cheapest car insurance companies in Georgia by driving record

An incident on your driving record can increase your insurance premiums. Whether it was an at-fault accident, speeding ticket, or DUI, your insurance company will take notice of any serious moving violation, as it can indicate that you’re at a higher risk of getting into a collision and filing a claim.

Insurance companies increase rates for people with incidents on their driving record to account for this added risk.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Avg. Quote With Speeding Ticket
Avg. Quote With At-Fault Accident
Avg. Quote With DUI/DWI
Auto-Owners$76$80$96
State Farm$81$86$105
COUNTRY Financial$84$90$105
Allstate$88$94$113
USAA$94$100$121
Mile Auto$99$107$126
Progressive$117$127$151
Safeco$124$130$142
GEICO$131$139$168
Root$142$150$153
Mercury$152$162$170
Clearcover$165$188$211
Nationwide$197$209$251
Direct Auto$197$214$253
Liberty Mutual$204$215$244
GAINSCO$222$211$266
AssuranceAmerica$228$237$294
National General$240$254$308
Bristol West$284$300$363
The General$290$308$364
Infinity$301$303$374
Hugo$347$399$454
Foremost$353$372$422
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.
Learn More: Cheap SR-22 Insurance for Georgia Drivers

Learn More: Cheap SR-22 Insurance for Georgia Drivers

Car insurance rates across Georgia cities

Car insurance rates across Georgia vary widely based on the city you live in. This is because car insurance companies heavily factor in your location, down to your ZIP code, when setting your car insurance rates. Check out the table below, which shows the average cost of car insurance in every Georgia city.

  • City
    Liability Only
    Full Coverage
    Alpharetta$174$264
    Athens$136$205
    Atlanta$226$295
    Columbus$146$246
    Marietta$182$251
    Savannah$176$259
    Valdosta$113$183
    Warner Robins$153$225
    Woodstock$162$234
    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.

Georgia car insurance FAQs

Check out Insurify’s guides on SR-22 insurance and how to get a driver’s license in the Peach State for more information on Georgia car insurance.

  • How much is car insurance in Georgia?

    Car insurance in Georgia costs an average of $244 per month for full coverage and $152 per month for liability only.

  • What company has the cheapest car insurance rates in Georgia?

    Drivers can find the cheapest rates in Georgia with State Farm and COUNTRY Financial, which have monthly liability rates as low as $63 and $63, respectively.

  • What are the best car insurance companies in Georgia?

    Auto-Owners and State Farm are two of the best traditional car insurance companies in Georgia, based on their low average rates, J.D. Power customer satisfaction, and AM Best financial strength ratings. But insurtech companies like Hugo and Mile Auto offer usage-based insurance for people who want lower rates based on how much they drive.

    It’s worth noting that many standard national and regional insurance companies also offer UBI programs that can help drivers reduce car insurance costs.

  • Is car insurance cheap in Georgia?

    Not when compared to national averages. Average car insurance rates in Georgia are more expensive than the national monthly averages of $202 for full coverage and $105 for liability only.

  • Is Georgia a no-fault state?

    No, Georgia is an at-fault state. Georgia drivers who are responsible for car accidents pay for the other parties’ injuries and property damage through their liability insurance.

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. III. "Facts + Statistics: Uninsured motorists."
  3. Nolo. "Georgia Car Accident Laws and Statute of Limitations."
  4. Justia. "2010 Georgia Code."
  5. Office of the Commissioner of Insurance and Safety Fire. "Auto."
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Emily has been a contributor at Insurify since October 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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