Auto-Owners offers the cheapest minimum coverage for young drivers and adults in Georgia, while COUNTRY Financial is best for seniors. Auto-Owners is the most affordable for drivers with speeding tickets or accidents, and COUNTRY Financial provides better rates for those with a DUI or bad credit.
Cheapest Low-Income Car Insurance in Georgia
Updated: February 6, 2025
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Key Takeaways
While Georgia doesn't have a low-income car insurance program, affordable plans are available to meet the state's minimum coverage requirements.
For most low-income drivers, the cheapest options are Auto-Owners, GEICO, COUNTRY Financial and Allstate.
Low-income drivers should compare providers and explore discounts to save the most on car insurance.
Cheapest Car Insurance Companies for Low-Income Drivers in Georgia
| Auto-Owners | Young Drivers | $51 |
| Auto-Owners | Adults | $36 |
| COUNTRY Financial | Seniors | $38 |
| Auto-Owners | Drivers With a Speeding Ticket | $41 |
| COUNTRY Financial | Drivers With a DUI | $69 |
| Auto-Owners | Drivers With an Accident | $53 |
| COUNTRY Financial | Bad Credit | $61 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
Use the table below to find the most affordable insurance provider for your driver profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Driving Record:Clean
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Auto-Owners | $36 | $432 |
| COUNTRY Financial | $43 | $511 |
| GEICO | $48 | $581 |
| Mercury | $57 | $683 |
| Progressive | $73 | $875 |
Cheapest Car Insurance for Families With Low Income in Georgia
Auto-Owners offers the most affordable car insurance for low-income households in Georgia. Monthly rates start at $65 for married couples with teens, $108 for single parents with teens and $51 for adding a spouse without a teen.
Data filtered by:Results filtered by:
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Family Type:Married Couple with Teen
| Auto-Owners | $777 | $65 |
| Allstate | $832 | $69 |
| GEICO | $1,020 | $85 |
| Progressive | $1,130 | $94 |
| State Farm | $1,465 | $122 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Consider these strategies to find more affordable auto insurance in Georgia:
- 1
Choose minimum coverage
Choosing the state's required minimum coverage is the cheapest way to meet legal standards, but it offers limited protection and won't cover all costs in at-fault accidents.
- 2
Compare quotes
Get quotes from several insurance providers to identify the most cost-effective option. For thorough comparisons, use various platforms such as provider websites, independent agents and online tools.
- 3
Look for discounts
Insurance companies provide discounts for good students, safe drivers and military personnel. Residents can take a defensive driving course online and possibly save 10% on premiums for multiple years.
- 4
Increase your deductible
Raising your deductible on collision or comprehensive coverage can reduce your monthly premium. Be sure you can afford the higher cost if you need to file a claim.
- 5
Consider pay-per-mile insurance
Ideal for low-mileage drivers, pay-per-mile insurance combines a low base rate with per-mile charges, so you pay only for the miles you drive.
- 6
Bundle your policies
Bundling home and auto insurance policies can result in significant savings. For example, with Auto-Owners, you can save over $500 per year total compared to the bundle average in Georgia.
- 7
Get a cheaper car
Your vehicle's make and model significantly impact insurance costs, affecting repair and replacement expenses. Opt for a cheaper car to insure, like an older, reliable model, to substantially reduce premiums.
Minimum Car Insurance Requirements in Georgia
Georgia residents must meet these minimum car insurance requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
If you're leasing or financing a vehicle, you'll need 100/300/100 liability coverage along with comprehensive and collision protection.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
Minimum auto insurance covers the other driver's expenses if you cause an accident but doesn't cover your car's repairs or legal fees. If you drive often and can afford it, consider higher coverage for better financial protection.
Cheap Low-Income Car Insurance in Georgia: Bottom Line
Auto-Owners offers the cheapest minimum coverage for most low-income drivers in Georgia. High-risk drivers can find the lowest rates with COUNTRY Financial for DUIs and Auto-Owners for speeding tickets and accidents. Compare providers through different channels to find the best deal.
Low-Income Auto Insurance in Georgia: FAQ
Low-income drivers may find it tough to get affordable car insurance. Here are answers to common questions on saving money.
What is the cheapest car insurance for low-income drivers in Georgia?
Minimum coverage is typically the most affordable option, especially for those not under financing or leasing agreements. Auto-Owners offers the lowest monthly rates in Georgia: $36 for minimum coverage and $81 for full coverage.
Does Georgia have a state-supported low-income car insurance program?
Georgia has no state-supported program to assist low-income drivers with car insurance.
Does your income affect the cost of car insurance in Georgia?
In Georgia, income doesn't directly impact car insurance premiums.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek analyzed auto insurance rates using data from the Georgia Office of Insurance and Safety Fire Commissioner and Quadrant Information Services.
Data Acquisition, Depth and Analysis
MoneyGeek examined 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for low-income drivers.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Georgia:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To find rates for specific drivers, we adjusted factors like age, family status, driving history and credit standing.
Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
Our data shows rates for state minimum coverage, which follows the requirements set by state law, and offers affordable options for low-income drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.