Cheapest Car Insurance in Georgia

Country Financial offers the most affordable minimum coverage for Georgia drivers at just $34 monthly and $412 annually. This rate presents a notable $295 savings compared to the Georgia average. These figures are sourced from Quadrant Information Services, reflecting the cheapest rates available in Georgia as of December 2024. Read our research methodology to learn about how we found the cheapest Georgia car insurance.

Country Financial is the cheapest car insurance company for most drivers, with an average monthly cost of $48 for both minimum and full coverage. This rate is $39 less than the typical cost in Georgia. Other affordable insurers include Auto-Owners, GEICO, Mercury and Allstate.

*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Country Financial offers the most affordable car insurance for both state minimum and full coverage. However, your rate depends on your personal background. Below, we highlight the cheapest car insurance rates in Georgia for several major driving profiles.

Read More: Cheapest Car Insurance

Country Financial offers the cheapest rate, while Auto-Owners, GEICO and Mercury also provide cheap minimum liability coverage for Peach State drivers. Use the table below to explore rates from similar companies with the best minimum coverage rates and see how they stack up against the monthly state average.

Country Financial is the cheapest provider for full coverage auto insurance in Georgia, with rates averaging $63 per month or $751 per year. This cost is significantly lower than the state's average. Check the table below for more provider options.

In Georgia, young adult drivers fare best with Country Financial, offering the most affordable plans. A 25-year-old can expect to pay around $50 per month for minimum coverage.

*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.

For young drivers in Georgia, Country Financial often offers the most affordable auto insurance. They provide minimum coverage at $50 monthly and full coverage at $91. Mercury is a good choice for those with a DUI, at $85 monthly. Rates vary based on your driving record, but these companies are a great starting point for finding affordable options.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in Georgia can enjoy low rates with Country Financial. The average monthly policy costs $31 for 65-year-olds seeking minimum coverage.

*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

Country Financial offers the most affordable rates for senior drivers in Georgia, whether you need minimum coverage, full coverage or have a less-than-perfect driving record. Your quote may vary, but use the rates below as a guide to navigate your car insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Drivers in Georgia with a DUI, at-fault accident, or speeding ticket are considered high-risk to insurers and pay more for car insurance than those with a clean record. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for drivers with a DUI, at-fault accident, and speeding ticket.

Country Financial offers the best rates for Georgia drivers with DUIs, averaging $59 per month ($708 per year) for minimum coverage. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in the Peach State.

*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $51 per month ($616 per year), Country Financial is the cheapest company for drivers after an at-fault accident. The table below lists other insurers offering affordable coverage for drivers with accidents. Rates are for minimum coverage policies.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Auto-Owners offers the cheapest insurance for Georgia drivers with a speeding ticket, with rates averaging $43 per month. Check the table below to compare other providers offering state minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Auto-Owners is the cheapest car insurance provider for drivers with poor credit scores, offering a monthly rate of $43 and an annual rate of $510 for minimum coverage. Review the table below for more options from other providers.

*These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Your car insurance rates can change a lot based on where you live. Even in the same state, cities can have different rates because of things like how many people are there, flood chances, and crime.

For example, Country Financial charges $33 a month in Athens but $49 a month in Atlanta for the same state minimum coverage. Look at the table below to see the most affordable car insurance in your city and their lowest average monthly rate.

*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

Georgia's most affordable bundle home and auto insurance comes from Allstate at $2,987. Check the table below for more cheap bundling options.

*Rates are for a 40 year old driver with good credit and no driving violations

In Georgia, the monthly average cost for full coverage car insurance is $116, while minimum coverage averages at $59. By understanding the average cost of car insurance in Georgia, you can determine if you're receiving a fair rate from your insurer.

In Georgia, auto insurance rates vary by city. See the table for average minimum and full coverage rates in Peach State cities.

Georgia sits in the lower half for car insurance costs, ranking 18th among states. Factors like moderate population density, occasional natural disasters, and vehicle theft rates influence these car insurance is expensive in Georgia.

Under Georgia law, all drivers must carry car insurance policies that meet the state's minimum coverage limits. These limits include $25,000 for bodily injury liability per person, $50,000 per accident, and $25,000 for property damage liability per accident.

If you finance or lease your car, you'll likely need to purchase comprehensive and collision insurance in addition to the state minimum liability coverages. While a minimum liability auto insurance policy is the more affordable option, it also offers the least financial protection. It's generally advised to opt for full coverage insurance with the highest deductible and liability limits that are within your budget.

Drivers with serious traffic violations like speeding or drunk driving may need to file for SR-22 insurance, which can raise your premiums. In Georgia, either you or your insurer can submit the SR-22 form. It's valid for three years from your most recent offense.

In Georgia, a common alternative to traditional car insurance is a surety bond. This bond must meet the state's minimum coverage requirements, ensuring you comply with local laws. It acts as a financial guarantee that you can pay for damages in an accident.

For business owners, self-insurance or fleet insurance can be viable alternatives. Self-insurance involves setting aside funds to cover potential claims, while fleet insurance covers multiple vehicles under one policy, offering convenience and potential savings.

MoneyGeek recommends that drivers get full coverage car insurance, which includes liability, collision, and comprehensive coverage. Our suggested liability limits are:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for off-road damage to your car, like when it's stolen, vandalized, or hurt by severe weather or a fire. Collision coverage helps pay for your car's repairs if you have an on-road crash.

If your car is valuable, MoneyGeek suggests getting comprehensive and collision insurance. You're not legally required to, but it's smart. Choose a deductible for these coverages that you can afford before insurance covers the rest. This way, you're prepared without stress over the costs.

Country Financial has the cheapest car insurance in Georgia, with full coverage at $63 and minimum coverage at $34. While saving money is great, the cheapest plan might not be the best. It's wise to get as much coverage as you can afford for safer travels.

MoneyGeek answers commonly asked questions about the cheapest car insurance in Georgia to ensure you get the right coverage for your situation.

MoneyGeek obtained Georgia auto insurance rates from the Georgia Department of Insurance and Quadrant Information Services. We examined 35648 auto insurance quotes from 8 providers across 82 ZIP codes to determine the most affordable car insurance companies in Georgia.

Georgia Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Georgia:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model and military service where specified.

Standard Coverage Levels in Georgia

We compared car insurance companies in Georgia that offer both minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Texas.

The minimum coverage liability limits in Georgia are:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Georgia

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible