Updated: November 18, 2024
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Choosing the right car insurance in Georgia means considering your specific needs. MoneyGeek's analysis crowned Auto-Owners as the top pick overall. It is also the best choice for those seeking minimum coverage and for families with a teen driver.
If cost is your main concern, MoneyGeek also analyzed the cheapest car insurance in Georgia, regardless of service quality.
BestCar InsuranceGeorgiaBest Car Insurance in Georgia
Why Trust MoneyGeek? We created an insurance scoring system for providers in Georgia based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Georgia.
In Georgia, the top car insurer, according to MoneyGeek's comprehensive evaluation, is Auto-Owners, with an impressive MoneyGeek score of 93 out of 100. The scores of car insurance companies in Georgia range from 93 to 68, indicating a 25-point spread. Note that these are base MoneyGeek scores, which may vary depending on specific driver profiles.
How does MoneyGeek score companies?
MoneyGeek scores highlight the importance of customer satisfaction and affordability while also giving considerable weight to claims experience and offered coverages. These metrics indicate an insurer's overall performance, guiding consumers to make informed decisions about their insurance needs.
| Auto-Owners Insurance Co | 93 | $844 |
| Country Financial | 81 | $910 |
| Allstate | 78 | $1,060 |
| Mercury | 69 | $1,559 |
| GEICO | 69 | $1,324 |
| State Farm | 68 | $1,623 |
| Progressive | 68 | $1,676 |
MoneyGeek found that Auto-Owners is the best option in Georgia for those seeking the best full coverage car insurance. The company stands out among the competition with an impressive overall score and unparalleled service.
Auto-Owners excels with high marks in both affordability and claims handling, which are significant factors for consumers when selecting a car insurance provider. Its competitive premiums and strong customer satisfaction ratings underline its exceptional position in the Georgia insurance market.
In Georgia, drivers can find a range of insurers providing varying levels of cost and service experience. MoneyGeek has also explored companies offering the cheapest full coverage car insurance in Georgia to help you manage costs effectively without compromising on quality coverage.
Excels in claims handling, ranking No. 1.
Offers competitive pricing and ranks No. 1 for affordability; the average annual premium is $844 for full coverage.
Provides rare coverages such as diminished value and deductible modification, ranking No. 1 for key coverages.
Does not excel in customer satisfaction.
Does not offer original equipment manufacturer (OEM) coverage.
Auto-Owners stands out with its high MoneyGeek score thanks to its top marks in affordability and claims handling. The company provides both common coverages — roadside assistance and rental car and/or travel reimbursement — ensuring a well-rounded basic protection package.
In addition to common coverages, Auto-Owners is committed to comprehensive protection with its rare coverage offerings. Diminished value coverage is particularly useful for drivers concerned about value depreciation after an accident. Personal Automobile Plus Package, a bundle of coverage enhancements, simplifies insurance by addressing multiple concerns in one go. Lastly, accident forgiveness can be a financial lifesaver for drivers as it prevents premium increases after an initial at-fault accident. With satisfaction at 28 (out of 35), affordability at 30 (out of 30) and claims handling at 20 (out of 20), it's clear why Auto-Owners is a leading choice for car insurance.
MoneyGeek found that Auto-Owners is the best option in Georgia for those prioritizing exceptional customer service in car insurance.
Auto-Owners stands out as the top provider due to its high satisfaction and claims handling scores, which are significant contributors to its nearly perfect MoneyGeek score. Additionally, it offers superior service at a more affordable cost than its closest competition, Progressive.
In Georgia, the diversity in car insurance companies means that customer satisfaction and claims experience also vary widely. An insurance company with good customer service and efficient claims handling ensures a supportive, less stressful experience when you need assistance the most. Quality customer service can make the difference between a smooth resolution and a drawn-out, frustrating process after an accident or other vehicle-related mishap.
Ranks No. 1 for claims handling.
Offers rare coverages such as diminished value coverage.
Offers gap insurance coverage.
Leads in key coverages, ranking No. 1.
Customer satisfaction could be improved.
Does not offer original equipment manufacturer (OEM) coverage.
Auto-Owners excels in customer satisfaction and claims handling, contributing to its excellent MoneyGeek score of 91 out of 100. It provides both commonly sought-after coverages: roadside assistance and rental car and/or travel reimbursement, reinforcing its commitment to comprehensive service. Auto-Owners presents an array of options to customize insurance for its clients' needs with its gap insurance and accident forgiveness coverages.
With the diminished value coverage, Auto-Owners stands out by addressing the often-overlooked issue of depreciation after an accident, ensuring that policyholders' investments are protected. Personal Automobile Plus Package combines several coverage benefits into one convenient bundle, simplifying policy management and providing a range of protective measures. Additionally, deductible modification is another smart feature, waiving collision deductibles under certain conditions and further enhancing the value proposition for drivers. These coverages bring peace of mind and financial protection to drivers, paralleling the insurer's stellar satisfaction score of 36 (out of 45) and claims handling score of 30 (out of 30).
MoneyGeek found that Auto-Owners is the best option in Georgia for those seeking minimum coverage car insurance.
Auto-Owners stands out in Georgia thanks to its exceptional ratings in satisfaction and affordability — the key components contributing to its leading MoneyGeek score. For motorists seeking the minimum insurance required by law in Georgia, Auto-Owners offers an annual cost of just $365.
Although many companies provide affordable options for minimum coverage car insurance in Georgia, these policies come with certain trade-offs. They may not cover all expenses in case of a serious accident, potentially leading to high out-of-pocket costs. It’s essential to balance affordability with adequate coverage to ensure financial protection on the road.
Ranks No. 1 for claims handling.
Ranks No. 1 for cost, with an average annual premium of $365.
Offers rare coverages like diminished value and deductible modification.
Doesn't excel in customer satisfaction, ranking No. 7.
Auto-Owners excels with perfect scores in affordability (40/40) and claims handling (20/20), highlighting its superior value and customer service. With an annual average premium of just $365, policyholders can purchase minimum coverage car insurance at an affordable cost. Auto-Owners' stellar MoneyGeek score of 84 out of 100 is a testament to its impressive performance. In addition to its perfect scores for affordability and claims handling, Auto-Owners also scored 9 (out of 25) in satisfaction, a solid 10 (out of 10) in coverage and a perfect 5 (out of 5) for stability, reiterating the company's exceptional offering in the insurance market.
Driver age significantly influences car insurance rates in Georgia, weighted by factors like cost, coverage options and age-specific discounts. MoneyGeek found that Auto-Owners is the top choice for teens, young adults and seniors, boasting a comprehensive balance of satisfaction, affordability and claims handling. Its scores for each age bracket are 94 out of 100 for teens, 91 for young adults and 91 for seniors, indicating a consistent performance across different age groups. Auto-Owners offers teens coverage at an annual premium of about $1,610, young adults at $1,214 and seniors at $901.
Best for Teens: Auto-Owners
Best for Seniors: Auto-Owners
Best for Young Adults: Auto-Owners
MoneyGeek found that Auto-Owners is the best option in Georgia for car insurance for teens, excelling with a top-tier MoneyGeek score. The leading providers for teen car insurance are:
Auto-Owners distinguishes itself due to excellent customer satisfaction and claims handling, factors that parents of teen drivers will find reassuring. The company offers an annual premium of $1,610 for a teen policy. Note that cheap car insurance for a teen in Georgia is relatively more affordable when adding them to a family policy rather than purchasing a standalone policy.
Adding a teen to a car insurance policy in Georgia and other states is significantly more expensive due to the higher risk associated with insuring young, inexperienced drivers. Insurers consider teens more prone to accidents, leading to higher claims costs, which is reflected in the premium rates.
Offers good student and distant student discounts.
Ranks No. 1 for claims handling.
Ranks No. 2 for affordability, with an average annual premium of $1,610 for full coverage.
Ranks No. 3 for customer satisfaction.
Lacks driver's education discount.
Auto-Owners' exceptional MoneyGeek score stems from its perfect coverage (10 out of 10) and high satisfaction (32 out of 35) scores, ensuring customers receive comprehensive protection and excellent service. Despite not offering driver's education discount, it does provide good student and distant student discounts.
Auto-Owners also boasts of rare coverages such as diminished value coverage, catering to instances when your car's value drops after an accident — even without fault on your part. Clients also benefit from accident forgiveness, a coverage that forgives the first at-fault accident, preventing your insurance rates from surging. These coverages, combined with common offerings like roadside assistance and rental car and/or travel reimbursement, provide a well-rounded insurance experience, ensuring drivers are equipped for the unexpected while on their journeys.
MoneyGeek found that Auto-Owners is the best option in Georgia for seniors seeking car insurance.
Auto-Owners is distinguished by its exceptional customer satisfaction and claims handling scores, emphasizing its commitment to customer satisfaction and financial stability. To secure inexpensive car insurance for a senior in Georgia, Auto-Owners has an average premium of $901 per year.
Obtaining cheap car insurance for a senior in Georgia does not necessarily mean compromising on quality or paying higher prices than younger age groups. MoneyGeek's data indicates that seniors in their 60s can find competitive rates similar to those for middle-aged individuals. However, premiums tend to increase for seniors in their 70s and 80s, reflecting the changing risk profile associated with age.
Offers roadside assistance and rental car/travel reimbursement.
Ranks No. 1 for claims handling.
Ranks No. 2 for affordability, with an average annual premium of $901 for full coverage.
Ranks No. 7 for customer satisfaction, indicating room for improvement.
Auto-Owners stands out with top scores in claims 20 (out of 20) and coverage 10 (out of 10), contributing to its impressive MoneyGeek score of 91 out of 100. It offers roadside assistance and rental car/travel reimbursement coverage options, providing essential protection for clients. Though the company doesn't provide a senior discount, customers still benefit from a competitive average annual premium of $901. Policyholders are assured of the company's solid satisfaction score of 28 (out of 35) and full marks in coverage, indicating they can depend on comprehensive protection and customer satisfaction. Backed by its stability in the finance sector, Auto-Owners' combination of affordability, exemplary service and robust policy options makes it a leading choice for insurance needs.
MoneyGeek found that Auto-Owners is the best option in Georgia for car insurance for young adults. Its ranking is based on a comprehensive analysis tailored for drivers in their 20s, capturing essential factors like customer satisfaction and affordability.
Auto-Owners takes the lead with the highest satisfaction and claims handling scores, which are key components of the MoneyGeek scoring model. Its top scores reflect superior customer experiences and affordability, which is vital for young adults looking for dependable and cost-effective car insurance. Notably, young adults can expect to pay an annual premium of about $1,214 for their policy with Auto-Owners in Georgia. To find cheap car insurance for a young adult in Georgia, you may spend more than older demographics.
Car insurance is typically more expensive for young adults due to their lack of driving experience, which statistically leads to a higher risk of accidents. Insurers price policies accordingly across Georgia and other states to reflect the increased likelihood of claims from this age group.
Ranks No. 1 for claims handling.
Offers good student and distant student discounts.
Ranks No. 7 for customer satisfaction.
Doesn't offer driver's education discount.
Auto-Owners excels in claims handling and coverage, contributing significantly to its impressive MoneyGeek score of 91 out of 100. Although it doesn't offer driver's education discount, it does provide other ways to save, such as good student and distant student discounts. The company has roadside assistance and rental car/travel reimbursement for its common coverage offerings.
Note that Auto-Owners' competitive scores in affordability (28/30 and satisfaction (28/35) compensate for any missing coverages or discounts and reinforce why it is a preferred option. Its perfect claims handling score of 20 (out of 20) ensures that policyholders experience efficient and satisfactory service. Its full coverage score of 10 (out of 10) demonstrates its commitment to providing essential protection for its customers. This well-rounded approach to auto insurance ensures that Auto-Owners remains highly regarded in the insurance industry.
MoneyGeek found that Auto-Owners, boasting the highest MoneyGeek score, is the best option in Georgia for drivers with offenses.
Auto-Owners provides excellent service and affordability to Georgia drivers with driving offenses such as speeding tickets, at-fault accidents and DUIs. The company's industry-leading claims handling and comprehensive coverage options contribute to its top MoneyGeek score. When looking for cheap car insurance as a high-risk driver in Georgia, Auto-Owners offers an annual cost of $1,286, which is competitive, considering that drivers in a higher-risk category often pay more than their counterparts with a clean record.
Securing car insurance after a ticket, at-fault accident or DUI can be more expensive in Georgia as insurers view such drivers as higher risk and potentially more likely to file claims. This rate increase is a common practice across many states, serving as a protective measure for insurance companies against the uncertainty associated with insuring drivers with previous offenses.
Ranks No. 1 for claims handling.
Offers coverages like roadside assistance, rental reimbursement and accident forgiveness.
Doesn't excel in customer satisfaction.
Auto-Owners stands out for its impeccable affordability and claims handling scores, significantly propelling its high MoneyGeek score of 93 (out of 100). The company caters to those with a history of driving offenses with coverages such as roadside assistance, rental car/travel reimbursement and accident forgiveness. However, it doesn't offer new or better car replacement coverage. The company boasts an average annual premium of $1,286, which is exceptionally cost-effective for drivers with offenses, as evidenced by its perfect affordability score of 30 (out of 30).
With satisfaction at 28 (out of 35), claims handling at 20 (out of 20) and coverage at 10 (out of 10), Auto-Owners demonstrates excellence across the board. These features make it a top choice for drivers seeking quality service and comprehensive coverage options. The company offers reliability and financial serenity, further underscored by its stability score of 5 (out of 5), thus ensuring customers partner with a well-established and resilient insurer.
MoneyGeek found that Allstate is the best option in Georgia for drivers with new cars looking for auto insurance.
Allstate rises to the top because MoneyGeek has filtered out insurers without new car replacement and/or better car replacement coverages, which are significant for owners of new vehicles. The company received a perfect MoneyGeek score based on satisfaction, affordability, claims handling, coverage and stability. With an annual cost of $1,372, choosing an insurer that offers new or better car replacement could protect your finances in case of an accident. Even if such premiums are initially higher, you will likely save money in the long run by receiving a settlement that isn’t affected by depreciation.
Excellent customer satisfaction and claims handling.
Most affordable, with an average annual premium of $1,372 for full coverage.
Offers new car replacement coverage.
Provides rental car/travel reimbursement, roadside assistance and gap insurance.
Allstate's impressive MoneyGeek score is bolstered by perfect marks in satisfaction and affordability, highlighting its dominance in delivering customer contentment and value. With an average annual premium of $1,372, Allstate balances cost with comprehensive protection.
As an optional add-on, Allstate offers new car replacement coverage, a benefit for new car owners seeking financial protection against the early steep depreciation of their vehicles. This add-on covers the cost of a brand-new car, not just the depreciated value, in the unfortunate event of a total loss. Alongside this, Allstate's range of common coverages adds layers of safety nets, such as roadside assistance and rental car and/or travel reimbursement, ensuring drivers feel secure on and off the road. Additional coverages like accident forgiveness and gap insurance offer drivers further options to tailor your insurance to your needs. Allstate's perfect satisfaction score of 35 (out of 35) and affordability score of 30 (out of 30) reflect a strong policyholder experience, combining quality service with reasonable pricing — an all-encompassing approach to auto insurance.
MoneyGeek found that Auto-Owners is the best option in Georgia for car insurance tailored to military personnel. The company leads with an exceptional MoneyGeek score, reflecting a balance of quality service and cost-effectiveness.
Although USAA is a top provider, it is still a good option for those with a military background.
Auto-Owners stands out in Georgia due to its superior combined scores in customer satisfaction, affordability, claims handling, coverage options and company stability. Particularly noteworthy are its perfect affordability and claims handling scores, which significantly contribute to the overall rating. The annual premium of $844 also makes Auto-Owners an attractive choice for those seeking quality service without compromising on price. Those focused on cost can explore the cheapest car insurance in Georgia for military drivers.
Ranks No. 1 for claims handling.
Most affordable, with an average annual premium of $844 for full coverage.
Offers rare coverages like diminished value and accident forgiveness.
Ranks No. 1 for key coverages.
Does not excel in customer satisfaction, ranking No. 8.
Auto-Owners stands out with its exceptional affordability and claims handling scores, contributing significantly to its high MoneyGeek score of 93 out of 100. The company boasts an average annual premium of $844.
Auto-Owners offers the rare diminished value coverage as an optional add-on, ensuring you are protected from your car's depreciated value. The company's satisfaction score of 28 (out of 35) reassures customers of a positive experience. The perfect score of 20 (out of 20) in claims handling reflects a reliable and effective claims process, and the full coverage score of 10 (out of 10) signifies comprehensive and versatile policy options. These scores collectively promote peace of mind for policyholders, ensuring they have robust protection and support when needed.
In Georgia, the best car insurance providers are distinguished by a blend of affordability, solid financial standings and a history of exceptional customer service. MoneyGeek has analyzed these factors to simplify your selection process. However, if you want to do your own research, follow the steps below to ensure you make an informed decision.
In Georgia, exceptional customer service is a cornerstone of a reliable car insurer. Drivers should investigate insurers using independent data providers like JD Power and the NAIC. According to MoneyGeek's research, Auto-Owners leads in service with a near-perfect satisfaction score of 36 (out of 45) and a claims score of 30 (out of 30), setting a high benchmark for customer experience.
Comparing quotes is essential for Georgians seeking affordable car insurance without compromising on service. Personal research can reveal the most cost-effective options based on individual profiles. MoneyGeek's findings suggest that Auto-Owners offers the best minimum coverage at an annual premium of $365, making it a competitive choice for budget-conscious drivers.
Selecting the right coverages from a car insurer aligns your policy with your unique needs. Drivers are encouraged to research insurers that offer comprehensive options. MoneyGeek's data indicates that Progressive, Auto-Owners and Allstate each scored a perfect 10, signifying they provide all four key coverages: rental car and/or travel reimbursement, roadside assistance, gap insurance and OEM coverage.
An insurer's financial strength ensures they can fulfill claims, mitigating the risk for policyholders. Researching stability ratings is a must. According to MoneyGeek, Auto-Owners, GEICO and State Farm each achieved a top stability score of 5 (the maximum), reflecting an A++ rating from AM Best and affirming their exceptional capacity to meet financial obligations.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Auto-Owners stands out as the best for cheap car insurance in Georgia, with a MoneyGeek score of 84 out of 100 and an annual premium of $365 for minimum coverage. Consumers should note that minimum coverage policies may not provide comprehensive protection, and it's advisable to compare quotes to find affordable full coverage options.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
