Cheap Car Insurance for Teen Drivers in Georgia (2026)
Auto-Owners is the cheapest insurer in Georgia for teen drivers, with an average liability rate of $145 per month.
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Quick Facts
Georgia teens pay an average of $272 per month for liability coverage, compared to the overall state average of $157.
Auto-Owners is the cheapest car insurance company in Georgia for teen drivers, with an average liability-only rate of $145 per month.
Georgia has a graduated license program that limits when teens can drive until the age of 18.
Cheapest car insurance for teens in Georgia
Teen drivers in Georgia pay an average of $453 per month for full-coverage car insurance and $272 per month for liability-only coverage.
These averages are for teen drivers. It’s often cheaper to add a teen driver to a family policy. In Georgia, it costs an average of $340 per month to add a teen to your full-coverage policy. That’s a difference of $113 per month — more than $1,300 per year — according to Insurify data.
The table below shows average insurance rates for Georgia teens.
The below rates in Georgia are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company  | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Country Financial | $223 | $124 |
| Auto-Owners | $259 | $145 |
| State Farm | $266 | $148 |
| Allstate | $296 | $165 |
| USAA | $296 | $164 |
| Mile Auto | $316 | $179 |
| Root | $326 | $213 |
| Progressive | $376 | $185 |
| Mercury | $379 | $223 |
| Clearcover | $445 | $245 |
| Safeco | $469 | $354 |
| GEICO | $483 | $259 |
| Bristol West | $500 | $254 |
| Direct Auto | $513 | $298 |
| National General | $540 | $342 |
| AssuranceAmerica | $550 | $337 |
| GAINSCO | $552 | $269 |
| Mendota | $584 | $320 |
| Trexis One | $589 | $308 |
| The General | $613 | $292 |
| Nationwide | $645 | $359 |
| Trexis | $646 | $341 |
| First Acceptance | $648 | $333 |
| Liberty Mutual | $655 | $538 |
Disclaimer: Table data sourced from real-time Georgia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Georgia may vary based on the policy buyer's unique driver profile.
Best car insurance companies for teens in Georgia
Many insurers cover teen drivers in Georgia, but COUNTRY Financial, State Farm, and Auto-Owners are our top picks. All three offer competitive rates for teens, solid Insurify IQ Scores, and various features specific to young drivers.
COUNTRY Financial: Best overall for teens in Georgia
| User Reviews | 4.0 |
|---|---|
| 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. | $79/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. | $142/mo |
4.0
Best choice in GeorgiaBased on 67 verified driver reviews and ratings
Country Financial's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.2 | 2.9 |
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
Based on analysis of verified reviews collected by Insurify
Best in Georgia for
Showing recent national reviewsSee all 35 Country Financial reviews
Verified Review
Reviewed in Colorado on February 23, 2026
For years, they were the best we could find, then the rates skyrocketed from $800/month to $1800/month. Typical greedy insurance.
Verified Review
Reviewed in Nevada on October 28, 2025
It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.
Verified Review
Reviewed in Illinois on October 25, 2025
The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
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
COUNTRY Financial is your overall best bet for teen drivers in Georgia. It offers some of the lowest premiums, plus discounts that can lower your rates even more. COUNTRY Financial has discounts for maintaining good grades and completing a driver training program. It also offers a telematics program that can save you up to 25%.
Pros
Low premiums
Many discounts for teens available
Roadside assistance coverage available
Cons
Higher-than-average number of customer complaints
Few customer reviews on Trustpilot
Must contact a local rep for quotes
State Farm: Best discounts for teen drivers in Georgia
| 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. | 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. | $140/mo |
4.0
Best choice in GeorgiaBased on 18,541 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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
Showing 75 reviews from Georgia driversSee all 7,617 State Farm reviews
Verified Review
Reviewed in Georgia on May 25, 2026
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.
Verified Review
Reviewed in Georgia on May 19, 2026
Easily available and they answer questions well.
Verified Review
Reviewed in Georgia on May 17, 2026
I have been with them for years with no complaints until now when they increased rates unexpectedly.
…
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
Discounts can make a big difference in your premiums, and State Farm has a long list for young drivers. The auto insurance company offers discounts for maintaining good grades, students away at school, and for completing a driver training course. It also has telematics and good driver discounts.
Pros
Above-average customer satisfaction in the Southeast region
Many discounts available
Low premiums
Cons
Gap coverage not available
Above-average number of customer complaints
Poor Trustpilot rating
Auto-Owners: Best coverage options for teens in Georgia
| 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. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $130/mo |
4.3
Best choice in GeorgiaBased on 342 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best in Georgia for
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners has some of the lowest car insurance premiums for teens in Georgia. The company also offers a wide array of coverage options, including accident forgiveness, additional expenses, gap, and diminished value coverages. It also has roadside assistance available 24/7.
Pros
Low premiums
Lots of coverage options available
Many discounts
Cons
Below-average customer satisfaction rating
Above-average number of customer complaints
Poor Trustpilot reviews
Best car insurance discounts for GA teens
Many car insurance companies offer discounts to help you save on your premiums.
Some discounts that Georgia teen drivers may qualify for include:
Student away at school: You can save money on your premiums if your teen attends college away from your home and doesn’t use a car while there.
Driver education: Georgia requires insurers to offer a 10% discount for completing an approved driver education course.[1] State law requires all 16-year-olds applying for a license to complete a course, so many drivers qualify for these savings. Georgia also offers a scholarship program to help teens cover the costs of driver education.
Good student: Many insurers offer discounts for students who maintain at least a B average.
Find Cheap Teen Car Insurance in Georgia
Compare quotes from multiple insurers, starting at an average of $145 per month
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Why is car insurance so expensive for teen drivers in Georgia?
Insurers consider teens high-risk drivers due to their inexperience on the road. As a result, younger drivers typically pay more for coverage than older drivers. Georgia also has state-specific factors that can increase car insurance rates, including:
Traffic congestion: Atlanta has two of the most-traveled roads in the country, according to the Federal Highway Administration.[2] This makes driving riskier and increases the chances of accidents and insurance claims.
Many leased vehicles: More than 30% of Georgia drivers lease their vehicles, according to Insurify data. Leasing companies typically require higher coverage levels, which means higher premiums.
Car accident injuries: Serious crash injuries have increased in Georgia. About 26% of all injuries treated at Georgia trauma centers are related to car accidents, according to the Georgia Governor’s Office of Highway Safety.[3]
Georgia car insurance requirements for teen drivers
Georgia requires drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage. Drivers must also have $25,000 in property damage liability insurance per accident.[4] Liability insurance helps cover the other driver’s medical bills and car repairs if your teen causes an accident.
Many people opt for collision and comprehensive coverage, but Georgia doesn’t require them. The table below shows the minimum car insurance requirements in Georgia.
Coverage Type | Minimum Coverage Amount | Required or Optional? |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Required |
| Property damage liability | $25,000 per accident | Required |
| Uninsured/underinsured motorist coverage | N/A | Optional |
| Collision coverage | N/A | Optional |
| Comprehensive coverage | N/A | Optional |
Georgia also has a three-step, graduated licensing program for teens. At 15, teen drivers can get an instructional permit. After completing the driving education requirements, they can then apply for a provisional license at 16. With this license, teens can’t drive between midnight and 5 a.m.[5]
Teens can apply for a full driver’s license at age 18, as long as they have a clean driving history with no accidents.
Consequences for teens driving without insurance in Georgia
You could receive a fine or have your registration revoked for driving without the required car insurance coverage in Georgia.[6]
Drivers younger than 21 can also have their license suspended for six months if caught racing, driving recklessly, leaving the scene of an accident, or if they receive a moving violation worth four or more points. A driving under the influence (DUI) conviction results in a 12-month suspension, 20 hours of community service, and a one-year delay in the graduated licensing process.
How to get cheaper car insurance for teen drivers in Georgia
Car insurance premiums vary by insurer and driver profile. Check out the tips below to help you find the most affordable car insurance:
Improve your credit. Georgia allows insurers to use your credit history when setting rates. Improving your credit may lower your premiums.
Buy a safer vehicle. Insuring a vehicle with advanced safety features or one with a lower risk of theft can help reduce your rates. In Georgia, the most stolen vehicle is the Hyundai Elantra.
Add your teen to your policy. Adding your teen driver to your existing auto insurance policy can save you an average of $113 per month in Georgia.
Shop around. Rates, coverage options, and discounts can vary widely. Comparing rates from multiple companies can help you find the best price for your coverage.
Compare Car Insurance for Teens
Find the coverage you need in Georgia for the right price
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Should your teen be on your policy or buy their own?
It’s typically cheaper to add your teen to your existing car insurance policy than to purchase them a separate one. In Georgia, an individual full-coverage policy for a teen driver costs an average of $5,437 per year, according to Insurify data. Adding them to a family policy averages just $4,078 — nearly $1,400 less per year.
The table below shows the average monthly and annual costs for teen drivers in Georgia, both on their own and as an add-on to an existing policy.
Policy Type | Average Monthly Cost | Average Yearly Cost |
|---|---|---|
| Teen on family policy | $340 | $4,078 |
| Teen on own policy | $453 | $5,437 |
| Cost difference | $113 | $1,359 |
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.
While it’s usually cheaper to add your teen to your policy, it’s not right for every situation. If your teen doesn’t live at home or owns their own vehicle, you may need to buy them their own policy.
Cheap car insurance for teen drivers in Georgia FAQs
Car insurance can be complicated, especially for teen drivers. To help you out, we answered some common questions about car insurance for Georgia teens.
How much is car insurance in Georgia for new drivers?
New teen drivers in Georgia pay an average of $360 per month for car insurance. Liability-only insurance averages $272 per month, and full coverage averages $453. Auto insurance premiums vary based on several factors, including driving record, vehicle, coverage, and more.
Which car insurance companies in Georgia offer the cheapest rates for young drivers?
Auto-Owners offers the cheapest average rates for young drivers in Georgia. The company’s average rates start at $145 per month. But your rates can vary based on many factors, like your ZIP code, age, and the car you drive.
Do you have to add your teen driver to your car insurance policy?
No. You don’t have to add your teen driver to your car insurance policy in Georgia. But adding a teen to an existing policy is usually cheaper than buying a separate one. In Georgia, you can save an average of $113 per month by adding your teen driver to your policy rather than buying them their own policy.
What car insurance discounts are available in Georgia for young drivers?
Young drivers in Georgia can qualify for many different discounts. The state requires insurers to offer a 10% discount to teens who complete an approved driver training course. Many companies also offer discounts for maintaining good grades and for students away at school.
Sources
- Georgia Department of Driver Services. "Joshua's Law Explained FAQs."
- Federal Highway Administration. "The 25 Most Traveled Route Locations by Annual Average Daily Traffic (AADT)."
- Georgia Governor's Office of Highway Safety. "Georgia Traffic Safety Facts."
- Georgia Office of the Insurance and Safety Fire Commissioner. "Auto Insurance."
- Georgia Governor's Office of Highway Safety. "Teenage & Adult Driver Responsibility Act."
- Georgia Department of Revenue. "Lapes or Loss of Insurance Coverage."
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
- 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.
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Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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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
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