For drivers in the Peach State, it can be tough to determine which auto policy provider is best suited to their needs. Fortunately, our review team has done the research for you and identified the best cheap car insurance in Georgia for many types of drivers.

We reviewed the best car insurance companies nationwide, and we’ve focused our research to determine the five best options for Georgia drivers. Our team considers cost, coverage, reliability, and service in our rankings of the best auto insurance companies in each state. We recommend getting quotes from several top-rated providers to find the best coverage for your vehicle.

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In This Review:

    Cheap Car Insurance In Georgia

    According to our rate estimates, USAA offers the cheapest car insurance in Georgia for good drivers, averaging $1,107 per year. At less than $1,300 per year, Nationwide and Auto-Owners Insurance are not far behind.

    Car Insurance Providers in Georgia

    Estimated Annual Cost

    USAA

    $1,107

    Nationwide

    $1,256

    Auto-Owners Insurance

    $1,279

    Geico

    $1,352

    Georgia Farm Bureau

    $1,393

    Progressive

    $1,418

    How Much Is Auto Insurance In Georgia?

    The average cost of full coverage car insurance in Georgia is $1,587 per year. Georgia drivers pay about 8 percent less than the national average of $1,732 per year for a full coverage policy. According to the National Association of Insurance Commissioners (NAIC), Georgia was the 11th-most expensive state for auto insurance in 2018.

    One of the reasons for the high price of car insurance in Georgia is the number of miles driven on average. According to Kelley Blue Book, the average person in the U.S. drove 14,263 miles in 2019. Comparatively, the average person in Georgia drove 18,334 miles that year–almost 29 percent higher than the national average.

    Your car insurance rates will vary due to a variety of factors, such as:

    • Age: Young drivers, and teen drivers in particular, pay more for car insurance because they are considered high risk.
    • Gender: In most states, men tend to pay more for car insurance than women.
    • Marital status: Most married drivers pay less for coverage and have more access to family or bundling discounts.
    • Driving record: Speeding tickets, recent accidents, and DUIs can harm your chances of finding cheap car insurance rates. Drivers with clean records save the most money on coverage.
    • Credit score: Drivers with poor credit scores pay significantly more for auto insurance than those with good credit scores.
    • Coverage level: Full coverage policies cost more than state minimum liability coverage policies.

    Cheapest Georgia Car Insurance: Young Drivers

    USAA not only offers the cheapest car insurance in Georgia, but also has the most affordable coverage for young drivers. Auto-Owners Insurance is another smart choice for young and teen drivers in the state, with average annual rates below $1,700.

    Car Insurance Providers in Georgia

    Estimated Annual Cost

    USAA

    $1,481

    Auto-Owners Insurance

    $1,635

    Nationwide

    $1,960

    State Farm

    $2,138

    Progressive

    $2,154

    Cheapest Georgia Car Insurance: Speeding Tickets

    Georgia drivers with speeding tickets pay much higher rates for insurance policies than those with clean driving records. USAA and Georgia Farm Bureau tend to offer the cheapest auto insurance rates on average for those with a ticket, with average costs below $1,400 per year.

    Car Insurance Providers in Georgia

    Estimated Annual Cost

    USAA

    $1,367

    Georgia Farm Bureau

    $1,393

    Nationwide

    $1,527

    Geico

    $1,571

    Auto-Owners Insurance

    $1,687

    Cheapest Georgia Car Insurance: Recent Accidents

    Car insurance rates can skyrocket for drivers who have recently been in a car accident. Drivers with an accident on their records can find some of the most affordable Georgia auto insurance rates from USAA, Auto-Owners, and State Farm.

    Car Insurance Providers in Georgia

    Estimated Annual Cost

    USAA

    $1,622

    Auto-Owners Insurance

    $1,769

    State Farm

    $1,899

    Georgia Farm Bureau

    $1,919

    Nationwide

    $2,173

    Cheapest Georgia Car Insurance: Bad Credit

    A bad credit score can raise the price of a car insurance policy by 35 percent in the state of Georgia. Below, we provide the cheapest auto insurance providers for those who have less-than-stellar credit scores.

    Car Insurance Providers in Georgia

    Estimated Annual Cost

    Nationwide

    $1,660

    Geico

    $1,907

    USAA

    $1,981

    Progressive

    $2,170

    Auto-Owners Insurance

    $2,311

    Top 5 Auto Insurance Companies In Georgia

    Below, our review team provides a breakdown of our top five picks for car insurance in Georgia. Drivers in the Peach State can find quality coverage from national names such as USAA and Nationwide, as well as from local providers such as Georgia Farm Bureau.

    Best Car Insurance in Georgia

    Overall Rating

    Cost Rating

    Coverage Rating

    1. USAA

    5.0

    5.0

    4.5

    2. Auto-Owners Insurance

    4.0

    3.5

    4.0

    3. Nationwide

    4.0

    3.5

    4.5

    4. Progressive

    4.5

    4.5

    4.5

    5. Georgia Farm Bureau

    4.0

    3.5

    4.0

    *Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Georgia.

    #1 USAA

    Our review team found USAA to be the best auto insurance provider in the state of Georgia. The company is the fifth-largest auto insurer in the U.S., and we recognized it as Best for Military Members in our review of the country’s top auto insurers. Coverage from USAA is exclusive to military members, veterans, and their families, but it’s a smart choice for those who qualify.

    USAA has an A++ financial strength rating from AM Best and an A rating from the Better Business Bureau (BBB). Georgia drivers can take advantage of the provider’s great bundling discounts for auto, renters, and homeowners insurance, as well as discounts for families, students, and teen drivers.

    USAA Pros

    USAA Cons

    Highly rated by AM Best and the BBB

    Exclusive to military members, veterans,

    and their families

    Our No. 1 provider in the nation for military

    members

    Offers usage-based insurance

    For more information on this provider, check out our USAA insurance review.

    #2 Auto-Owners Insurance

    Founded in 1916, Auto-Owners Insurance has been providing quality insurance coverage for over a century. The provider offers car insurance coverage to drivers in 26 states, including Georgia. Based on our research, we found this provider to be a smart choice for many types of Georgia drivers, young and teen drivers in particular.

    Auto-Owners has an A++ financial strength rating from AM Best and an A+ rating from the BBB. In the J.D. Power 2021 U.S. Auto Insurance Study℠, the provider received an above-average score of 849 out of 1,000 points for customer satisfaction in the Southeast region.

    Auto-Owners Insurance Pros

    Auto-Owners Insurance Cons

    Our No. 2 provider in the nation for students

    Doesn’t offer military discounts

    Highly rated by AM Best and the BBB

    Offers accident forgiveness

    #3 Nationwide

    Nationwide is another great choice for many Georgia drivers. It offers some of the cheapest auto insurance policies in the state, especially for those with poor credit. Nationwide has an A+ financial strength rating from AM Best as well as an A+ rating from the BBB.

    Our team found some of the best deals through Nationwide’s discounts and usage-based insurance programs. Georgia drivers can save on their auto insurance policies by participating in Nationwide’s safe-driving program, SmartRide®, or its pay-per-mile option, SmartMiles®. You can save even more on Nationwide coverage by bundling policies, staying accident-free, or being a good student.

    Nationwide Pros

    Nationwide Cons

    Offers usage-based insurance

    Doesn’t offer new driver discounts

    A+ ratings from AM Best and the BBB

    Offers an extensive list of discounts

    Check out our Nationwide insurance review for more information about the provider.

    #4 Progressive

    In our nationwide review of the best auto insurance companies, we awarded Progressive the Best Usage-Based Insurance designation. The provider offers affordable rates overall, and drivers can save on their premiums by participating in the Snapshot® program. Georgia drivers who enroll can earn savings of more than $100 for safe driving habits.

    Progressive is also known for offering affordable rates to high-risk drivers in particular–making it a great choice for a high-mileage state like Georgia. The insurer has a positive industry reputation, with an A+ financial strength rating from AM Best and an A+ rating from the BBB.

    Progressive Pros

    Progressive Cons

    Our pick for Best Usage-Based Insurance

    Average customer service reviews

    Great option for high-risk drivers

    A+ ratings from AM Best and the BBB

    For more information, read our Progressive insurance review.

    #5 Georgia Farm Bureau

    Founded in 1937, Georgia Farm Bureau is exclusive to the state of Georgia. The insurer provides quality coverage to nearly 300,000 families across the state, including life, health, farm, and homeowners insurance in addition to auto insurance policies.

    To be eligible for Georgia Farm Bureau auto insurance, you must be a Farm Bureau member, which requires a $35 membership fee, and live in Georgia. The insurer offers great coverage options and is a smart choice for drivers in the state.

    Georgia Farm Bureau Pros

    Georgia Farm Bureau Cons

    Over 80 years in the industry

    Must be a Farm Bureau member

    to get coverage

    Extensive list of discounts

    Offers accident forgiveness

    Georgia Insurance Requirements

    Whether you’re caught in traffic in Atlanta or driving along the coast in Savannah, state law requires you to have auto insurance. Minimum auto insurance coverage requirements in Georgia include:

    • Bodily injury liability: $25,000 per person/$50,000 per incident
    • Property damage liability: $25,000 per incident

    Though you must meet the state minimum coverage requirements, it’s recommended that you add other coverages to your policy to ensure you’re protected in a variety of situations. Additional coverage options include:

    • Collision coverage
    • Comprehensive coverage
    • Medical payments insurance (MedPay)
    • Uninsured motorist/underinsured motorist coverage (UM/UIM)

    Is Georgia A No-Fault State?

    Georgia is not a no-fault state–it operates under a fault-based system. In an at-fault state like Georgia, blame is assigned to one of the drivers when an accident occurs. The at-fault driver is responsible for compensating the parties involved in the accident, and claims are filed through their insurance company.

    It’s important to note that Georgia law includes proportional comparative fault, meaning a percentage of fault can be assigned when both parties involved in an accident did something wrong.

    How To Get Georgia Car Insurance Quotes

    While there are many auto insurance companies to choose from in the state of Georgia, we found USAA to be the top choice. Auto-Owners, Nationwide, and Progressive are other bigger names that are smart choices for Georgia drivers. The local insurance provider Georgia Farm Bureau also made its way into our review team’s top five auto insurance picks for its affordable car insurance in Georgia.

    While you can’t go wrong insuring your vehicle with any of the providers we’ve listed above, we recommend getting car insurance quotes from providers to find the company that best suits your needs. You can get online quotes from many major providers or reach out to insurers by phone. For a more personalized experience, local agents and brokers can help you get quotes and compare car insurance options.

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    Answer a few simple questions to save money on your policy

    Frequently Asked Questions

    • Why is Georgia car insurance so expensive?

      A couple factors contribute to Georgia’s high insurance rates. One of the primary reasons is the sheer number of accidents that occur in the state each year. According to the Georgia Department of Transportation (GDOT), 1,507 fatalities occurred on Georgia’s roads in 2019. Another factor is the high number of miles driven on average each year by Georgia residents.

    • How much is car insurance monthly in Georgia?

      The average cost of full coverage car insurance in Georgia is $1,587 per year, or about $132 per month. The amount you pay for coverage depends on factors such as your age, credit score, driving history, and more.

    • Is Georgia car insurance high?

      Georgia drivers pay about $1,587 for full coverage car insurance annually, which is about 8 percent lower than the national average of $1,732 per year. According to the NAIC, Georgia was the 11th-most expensive state to insure a vehicle in in 2018.

    • Does insurance follow the car or the driver in Georgia?

      As a general rule of thumb, insurance coverage follows the vehicle and not the person in the state of Georgia.

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.