Cheapest Car Insurance Quotes in Georgia

Auto-Owners has the cheapest liability-only car insurance in Georgia, with an average monthly quote of $73. Auto-Owners offers the cheapest average rates for full coverage, at $130. See real-time quotes for Georgia and buy your policy online in minutes.

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Cheapest recent car insurance quotes in Georgia

Recent Georgia car insurance prices for Toyota, BMW, Mazda, and more.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on August 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 9, 2026. 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 August 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Katie Powers
Written 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
Edited byJohn Leach
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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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, 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.

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Georgia car insurance at a glance
  • Cheapest car insurance company in Georgia: Auto-Owners

  • Cheapest car insurance rate in Georgia: $73

  • Average liability-only car insurance cost in Georgia: $157/mo.

  • Average full-coverage car insurance cost in Georgia: $259/mo.

Cheapest car insurance quotes in Georgia

Georgia drivers with clean records and good to excellent credit typically find the cheapest car insurance rates. Auto-Owners, State Farm, and Country Financial have the lowest car insurance rates in Georgia for most drivers.

The following table shows average quotes in Georgia from top insurers for safe drivers with good credit profiles.

The below rates in Georgia are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 
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: Liability Only
Average Monthly Quote: Full Coverage
Auto-Owners$73$130
State Farm$78$139
Country Financial$79$141
Allstate$86$152
Mile Auto$92$163
USAA$92$163
Progressive$98$198
Mercury$128$218
Root$145$221
Bristol West$147$289
GEICO$147$271
Clearcover$153$281
GAINSCO$158$328
Direct Auto$159$276
The General$166$353
AssuranceAmerica$167$269
National General$179$284
Safeco$179$239
Trexis One$180$346
Mendota$188$346
First Acceptance$194$383
Trexis$198$381
Liberty Mutual$318$387
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-rated insurance companies in Georgia

From traffic congestion around Atlanta to storm and flood damage in coastal areas like Savannah, Georgia drivers face some significant risks behind the wheel. Based on thousands of verified customer reviews and hundreds of hours analyzing insurance industry data, these are the best car insurance companies for affordability and value.

Best for teen drivers in Georgia: COUNTRY Financial

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.
$141/mo
Details
4.0
Best choice in GeorgiaBased on 69 verified driver reviews and ratings
Country Financial's score
Industry average
Coverage options3.93.2
Customer service3.63.6
Discounts3.42.9
Policy transparency3.83.1
Value3.12.9
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
Cheap rates
Good claims process
High customer satisfaction
Showing recent national reviewsSee all 37 Country Financial reviews
Larry
Verified Review
Good Customer Service, Poor Customer Care From the Company
It’s expensive. While the office staff is great, the company overall seems mostly interested in the money.
Garry
Verified Review
Country has provided excellent service over the past 20 years.
Country has.
Luke
Verified Review
Country Financial
For years, they were the best we could find, then the rates skyrocketed from $800/month to $1800/month. Typical greedy insurance.
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

Nearly one-third of Georgia drivers lease or finance their vehicles, making full-coverage necessary, and if you’re a teen, that coverage can be expensive. Fortunately, COUNTRY Financial offers some of the lowest full-coverage rates for teen drivers in Georgia. And the insurer has agents in more than 100 Georgia cities, so you can find a local agent to help.

Pros
  • Some of the lowest full-coverage rates for teens in Georgia

  • Robust list of available discounts

  • New car replacement coverage available

Cons
  • Higher rates for drivers with poor credit

  • No accident forgiveness available

  • Doesn’t offer gap insurance

Best for minimum coverage in Georgia: Auto-Owners

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
Details
4.3
Best choice in GeorgiaBased on 357 verified driver reviews and ratings
Auto-Owners's score
Industry average
Coverage options4.03.2
Customer service3.73.6
Discounts3.52.9
Policy transparency3.93.1
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 155 Auto-Owners reviews
Richard
Verified Review
My Experience with Auto-Owners Insurance Company
Very easy to deal with.
Sylvester
Verified Review
The experience I had with the office workers was pleasant.
Good. I never had to file a claim.
Mickey
Verified Review
Policy Evaluation
It’s expensive, but claims are handled quickly.
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

Georgia drivers who need only liability coverage will find some of the lowest rates with Auto-Owners. Insurify customers give Auto Owners a score of 3.9 out of 5 for its transparency around policies and terms.

Pros
  • Some of the lowest minimum-coverage rates in Georgia

  • Common loss deductible available if you bundle auto and home

  • More than a dozen available discounts

Cons
  • Reviewers give it just 4.0 out of 5 points for claims handling

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

  • Must contact an agent for a quote (no online quoting)

Best for savings and value in Georgia: State Farm

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
Details
4.1
Best choice in GeorgiaBased on 20,367 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 7,952 State Farm reviews
Tina
Verified Review
State Farm was great!
It was handled great!
Donna
Verified Review
State Farm Is the Worst… Never Thought They Would Increase My Premium After an Accident That Wasn’t My Fault
State Farm… I thought it was a shame that they increased my premium after a no-fault accident and then weren’t honest about how much it was going to increase. So I had to drop them, and I didn’t like the way they took care of my claim. I was rear-ended by an asphalt truck driver, and it took forever to get the rental car, took forever to get the payout, and I had to communicate with them multiple times. I’m sick of it and probably won’t ever go back to State Farm.
Robert
Verified Review
Go with Allstate, Not State Farm
The price went up right after we signed up. Service was average, and the website was average too.
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 auto insurer in Georgia, and it offers some of the lowest premiums for both full coverage and liability-only coverage. Customer reviewers rate it 3.7 out of 5 for value as well. Customers particularly appreciate State Farm’s coverage options (4.1 out of 5) and claims handling (4.1 out of 5).

Pros
  • Some of the lowest rates in Georgia, especially for good drivers

  • Above-average J.D. Power customer satisfaction score in the Southeast

  • Rideshare, rental reimbursement, and travel expenses coverage available

Cons
  • Doesn’t offer gap insurance

  • Significantly higher rates for drivers with average or lower credit

  • No accident forgiveness available

Best for customer service in Georgia: USAA

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.
$92/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
Details
4.9
Best choice in GeorgiaBased on 4,154 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
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 33 reviews from Georgia driversSee all 1,652 USAA reviews
Sivi
Verified Review
Researching Insurance Options
Customer service is thorough and great. Rates were competitive, if not better than most, but that’s no longer the case.
Larry
Verified Review
Auto Insurance Is Way Too Expensive
It’s too expensive.
Elizabeth
Verified Review
USAA has been a nightmare to deal with. It took three separate phone calls to customer service to set up auto-draft! And even then, they simply withdrew whatever dollar amount they decided was appropriate for that payment, even though it was twice the amount! Their explanation is that there was some sort of shift in the policy price and/or they took out twice the amount to compensate for a "missed payment," even though I'm set up on auto-draft! Absolutely horrible company.
USAA has been a nightmare to deal with. It took three separate phone calls to customer service to set up auto-draft! And even then, they simply withdrew whatever dollar amount they decided was appropriate for that payment, even though it was twice the amount! Their explanation is that there was some sort of shift in the policy price and/or they took out twice the amount to compensate for a "missed payment," even though I'm set up on auto-draft! Absolutely horrible company.
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

Georgia is home to more than 601,000 veterans and 13 military installations. USAA is an affordable insurer focused on the military and has a strong reputation for customer service. Insurify customers rate it 4.9 out of 5 for customer service and 4.9 out of 5 for claims handling.

Pros
  • Strong customer service and claims handling

  • Online quoting available

  • Other financial products and member perks available

Cons
  • Available only to active-duty military, veterans, and certain family members

  • No 24/7 customer service line

  • Fewer discounts compared to other insurers

  • To help Georgia drivers find affordable coverage that works for them, we compiled thousands of insurance company reviews from verified customers. We’ve also put in hundreds of hours analyzing industry rating organizations like AM Best and J.D. Power to create our proprietary Insurify Quality Score.

How much is car insurance in Georgia?

On average, Georgians pay $1,878 per year for liability-only policies and $3,109 annually for full coverage, Insurify data shows. That’s significantly more than the national averages of $1,176 per year for minimum coverage and $2,237 for full coverage.

Multiple factors play into Georgia’s higher car insurance costs, including:

  • Risk of vehicle damage from severe weather: In 2024, Georgians filed approximately 16,800 vehicle claims due to flooding from Hurricane Helene. Georgia also faces risks of hail and flash flooding, and the state averages 25–40 tornadoes per year.

  • Traffic congestion in urban areas: Georgia has multiple cities with heavy traffic, including Atlanta, which ranks as the 16th-worst city in the world for traffic.[1] Traffic congestion increases accident risks.

  • Accident rates: Georgia has the fourth-highest number of traffic fatalities in the U.S.[2] But its fatality rates are comparatively low, at 1.28 per 100 million vehicle miles traveled.

  • Distracted driving, low seat belt use, and other risky driving behaviors: In 2023, more than half of all accidents in Georgia involved distracted driving. And approximately 12% of Georgia drivers and front-seat passengers don’t regularly use their seat belts.

Your individual factors will also affect your car insurance premiums. Insurers consider your driving record, age, gender, credit, and more when setting rates.

Compare Georgia Car Insurance Quotes

Comparing rates through Insurify could save you up to 50%

Excellent
4.7 out of 5 based on 16,342 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Average car insurance quotes in Georgia cities

Many car insurance rating factors — traffic congestion, population density, and vehicle theft rates — hinge on location. Where you live in Georgia can affect how easily you can find cheap car insurance, or whether you’ll end up paying higher rates than people in other parts of the state.

Here’s a look at average monthly car insurance costs for cities in Georgia.

The below rates in Georgia are estimated rates current as of: Tuesday, August 4 at 5:00 PM PDT. 
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.

City
Average Monthly Quote
La Fayette$131
Elberton$137
Hartwell$141
Chatsworth$142
Baxley$143
Chickamauga$145
Dalton$145
Valdosta$145
Rossville$146
Waycross$146
Tifton$149
Eastman$150
Moultrie$150
Ringgold$150
Toccoa$150
Brunswick$152
Kingsland$155
Blackshear$156
Douglas$156
Ellijay$156
Hazlehurst$159
Perry$159
Sylvania$159
Tunnel Hill$161
Jesup$162
Adairsville$164
Cleveland$166
Thomasville$166
Calhoun$169
Waynesboro$169
Dahlonega$170
Americus$171
Summerville$171
Thomson$172
Dawsonville$173
Eatonton$173
Jasper$174
Cedartown$175
Cordele$176
Athens$177
Commerce$180
Dublin$181
Grovetown$181
Peachtree City$181
Evans$182
Leesburg$182
Lula$182
Flowery Branch$183
Richmond Hill$183
Canton$184
Hinesville$184
Rome$184
Statesboro$184
Columbus$187
Franklin$188
Byron$189
Rincon$189
Sharpsburg$189
Albany$190
Hephzibah$191
Jefferson$191
Augusta$192
Gainesville$192
Cartersville$193
Fort Valley$193
Lagrange$193
Thomaston$193
Hull$194
Guyton$195
Tallapoosa$195
Rockmart$196
Warner Robins$196
Cumming$197
Hoschton$198
Carrollton$199
Montezuma$199
Newnan$199
Winder$199
Milledgeville$200
Alpharetta$203
Pooler$204
Acworth$205
Woodstock$206
Braselton$208
Barnesville$210
Bremen$210
Temple$211
Jackson$213
Monroe$213
Kennesaw$216
Port Wentworth$218
Villa Rica$218
Griffin$221
Roswell$221
Savannah$223
Bethlehem$226
Buford$227
Fayetteville$228
Hiram$229
Auburn$231
Dallas$234
Marietta$235
Oxford$235
Smyrna$235
Dacula$237
Tucker$237
Locust Grove$240
Macon$241
Peachtree Corners$242
Lithia Springs$246
Suwanee$247
Mableton$249
Lawrenceville$250
Loganville$252
Douglasville$253
Duluth$255
Mcdonough$255
Norcross$256
Powder Springs$257
Grayson$258
Lilburn$258
Hampton$266
Stockbridge$271
Snellville$273
Conyers$274
Conley$276
Austell$278
Covington$278
Fairburn$280
Atlanta$282
Morrow$285
Jonesboro$286
Ellenwood$293
Union City$294
Rex$297
Forest Park$300
Riverdale$306
Stone Mountain$323
Decatur$327
Clarkston$329
Lithonia$334
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.

The most expensive areas for Georgia car insurance tend to be in or near large cities. For example, Lithonia has some of the highest rates for full coverage. It’s a small suburb of Atlanta that’s home to some affluent neighborhoods, where vehicles are likely to be newer.[3]

The below rates in Georgia are estimated rates current as of: Tuesday, August 4 at 5:00 PM PDT. 
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.

City
Average Monthly Quote
Conley$207
Decatur$257
Stone Mountain$261
Lithonia$263
Clarkston$277

Why you should compare car insurance quotes in Georgia

Location is just one factor insurers consider when setting rates. They also look at your driving record, the vehicle, your age and gender, and more. Each insurance company has its own formula for weighing these factors, so you may find significantly different rates from multiple insurers.

Here’s how to compare quotes to find the cheapest Georgia car insurance that’s right for your needs:

    illustration card https://a.storyblok.com/f/162273/150x150/0f334ec089/insurify-icons-auto-blue-96x96_045-document.svg

    1. Decide your coverage needs

    If you lease or finance your vehicle, you’ll need full coverage that includes comprehensive, collision coverage, and liability. You’ll need to choose coverage limits and deductible amounts too.

    illustration card https://a.storyblok.com/f/162273/150x150/059ca38826/car-sharing-96x96-green_005-driving-license.svg

    2. Gather your personal information

    You’ll need driver’s license numbers, birth dates, and driving records for every driver in your household that you want to cover.

    illustration card https://a.storyblok.com/f/162273/150x150/aebd666d83/car-and-driving-96x96-orange_049-drive.svg

    3. Gather your vehicle information

    Providing your VIN can help ensure you get the most accurate quotes that include discounts for vehicle safety features.

    illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    4. Use an online comparison tool

    Comparison platforms like Insurify, which is licensed to sell insurance in all 50 states and Washington, D.C., can help you get accurate quotes much faster than if you tried to gather them on your own.

    illustration card https://a.storyblok.com/f/162273/150x150/1d8803fded/credit-and-loan-96x96-blue_019-calendar.svg

    5. Start your new policy before you cancel your old one

    Whether you buy your new policy online or with the help of an agent, you need to ensure it’s fully active before you cancel your old one. A lapse in coverage can make it difficult to get car insurance at good rates in the future.

Georgia car insurance requirements

Georgia requires all drivers to have at least a minimum amount of liability insurance. Here are the state’s required minimum coverages:

Coverage
Minimum Limit
Required?
Bodily injury per person$25,000Required
Bodily injury per accident$50,000Required
Property damage liability$25,000Required
Medical payments coverage$2,000Optional. Insurers must include it in all policies, but you can opt out.
Uninsured motorist coverage

$25,000 bodily injury per person

$50,000 bodily injury per accident

$25,000 property damage

Optional. Insurers must include it in all policies, but you can opt out.

Georgia’s minimum liability requirements are on par with most other states. And while Georgia requires insurers to include medical payments and uninsured motorist coverages in every policy, you can reject the coverages by notifying your insurer in writing.

Medical payments coverage helps pay for your medical expenses. Uninsured motorist coverage can help pay for your injuries and property damage if you get in an accident with someone who doesn’t have insurance.

How to find the cheapest Georgia car insurance

Comparing quotes from multiple insurers is the best way to ensure you find the cheapest quotes available to you. But you can also take steps to improve your chances of qualifying for lower rates, including:

  • Improve your credit. The average credit score in Georgia is 695, which falls into the range of “good.”[4] If yours is average or lower, improving it could help you find lower car insurance rates. Insurers don’t look at your credit score, but they use the information in your credit file to generate a proprietary credit-based insurance score. Generally, the better your credit score is, the higher your credit-based insurance score will be.

  • Avoid distracted driving. In 2024, Georgia had more than 57,000 drivers convicted of distracted driving.[5] Driving history significantly affects your car insurance costs. Getting a ticket for distracted driving can push your rates up when your policy renews.

  • Choose a safe vehicle. The Honda Accord and Toyota Camry are the two most popular vehicles in Georgia, according to Insurify data. They’re also good choices for lower car insurance rates due to their safety ratings and relatively low repair costs. Before buying a vehicle, be sure to consider how much it will cost to insure.

Find Cheap Car Insurance in Georgia

Rates start as low as $73/mo. for liability coverage

Excellent
4.7 out of 5 based on 16,342 reviews
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If you’re looking for more specific information about car insurance in Georgia, check out our extensive library of information. We cover everything from how to find cheap insurance after an at-fault accident to what coverage will pay for vehicle vandalism.

How car insurance costs have changed in Georgia

In 2025, Georgia’s full-coverage car insurance costs increased by 5%, Insurify data shows. In 2024, rates increased 26% in the state, due in part to claims related to Hurricane Helene. Since 2021, Georgia’s average premium for full-coverage car insurance has risen nearly 46%.

Insurify data scientists project Georgia’s rates will rise another 1.8% ($53) by the end of 2026.

Average Georgia Car Insurance Rates Over the Past Five Years

State Name
2021-07
2021-08
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2022-01
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2025-01
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2026-07
Georgia2,0482,0542,0572,0602,0642,0682,0742,0722,0672,0692,0722,0632,0612,0552,0492,0482,0482,0562,0722,0832,1062,1402,1822,2202,2502,2712,3012,3142,3202,3352,3432,4102,5002,5752,6722,7212,7582,8122,8472,8832,8992,9282,9472,9703,0193,0443,0823,1173,1353,1523,1613,1403,1253,1233,1213,1203,1293,1343,1233,1113,104
United States1,5531,5551,5571,5621,5641,5661,5681,5711,5771,5911,6021,6071,6121,6181,6241,6311,6401,6501,6651,6891,7191,7581,8031,8501,8871,9181,9561,9832,0062,0372,0762,1282,1942,2402,2992,3412,3682,3902,3872,3742,3702,3632,3512,3662,3672,3672,3552,3422,3172,2852,2572,2272,2152,2212,2222,2242,2332,2382,2372,2372,238

Georgia car insurance FAQs

Georgia drivers face car insurance costs above the national average, so it makes sense to comparison shop for the best coverage and premiums available. Here are answers to some common questions about Georgia car insurance.

  • Which company has the cheapest car insurance in Georgia?

    Auto-Owners has the cheapest average car insurance rates in Georgia, at $73 per month for liability-only insurance policies.

  • Which company is cheaper in Georgia: GEICO or Progressive?

    In Georgia, Progressive’s rates tend to be lower than GEICO’s. Insurify data shows Progressive’s average for full coverage is $198 per month in Georgia, and its liability average is $98. By comparison, GEICO’s average in Georgia is $271 for full coverage and $147 for liability coverage.

  • How much is car insurance in Georgia?

    The average cost of car insurance in Georgia is $259 per month for full coverage and $157 for liability-only coverage.

  • What are the minimum auto insurance requirements in GA?

    Georgia requires all drivers to have bodily injury liability coverage of $25,000 per person and $50,000 per accident and property damage liability coverage of $25,000. The state also requires insurers to automatically include medical payments coverage and uninsured motorist coverage in all policies. But if you don’t want these last two coverages, you can opt out in writing.

  • How can you lower your car insurance rates in Georgia?

    Comparing quotes from multiple insurers is the best way to find affordable car insurance rates in Georgia. Drivers can also consider improving their credit (the average credit score in Georgia is good), choosing cheaper-to-insure vehicles, and adjusting their deductibles or coverage amounts.

Sources

  1. INRIX. "2025 INRIX Global Traffic Scorecard."
  2. Georgia Governor's Office of Highway Safety. "Georgia Traffic Safety Facts."
  3. Know Atlanta. "Lithonia in Dekalb County, Georgia."
  4. Experian. "What Is the Average Credit Score in the US?."
  5. Georgia Department of Driver Services. "Distracted Driver Data Reports."

Methodology

Insurify data scientists analyzed more than 250 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.

Katie Powers
Written byKatie PowersLicensed P&C Agent, Senior Insurance Editor
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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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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

John Leach
Edited byJohn LeachLicensed P&C Agent, Chief Copy Editor
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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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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, 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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