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Country Financial offers the cheapest car insurance in Georgia with average rates of $31 per month for liability and $1,553 for a full coverage policy.
Discover if you are overpaying for car insurance below.
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We at the MarketWatch Guides team have reviewed the cheapest car insurance options in Georgia. We took an in-depth look at the best car insurance companies and the cheapest car insurance companies in Georgia, comparing rates, coverage, ratings and reviews.
In the following article, you’ll find estimates for drivers from different profiles and a list of recommended providers. You’ll also find key information about Georgia insurance laws and regulations.
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In our research, we found that Country Financial offers the cheapest car insurance rates on average for Georgia drivers. A minimum liability policy averages $373 per year and a full-coverage policy costs an average of $1,553 per year.
Car insurance rates vary because they’re based on several factors, like your age, driving history and credit score. The cheapest rates for you may not be the same for someone else.
The table below lists the lowest rates for each category of coverage and driver profile we researched.
| Cheapest Car Insurance in Georgia (by category) | Company | Average Monthly Premium |
| Minimum Liability Coverage | Country Financial | $31 |
| Full Coverage | Auto-Owners Insurance | $129 |
| Young Drivers | Auto-Owners Insurance*** | $349** |
| Seniors | Geico | $113** |
| After A Speeding Ticket | Georgia Farm Bureau | $145** |
| After An Accident | Country Financial | $167** |
| After A DUI | State Farm | $173** |
| Bad Credit | Country Financial | $184** |
More: Cheapest Car Insurance
Overall, we found that the five cheapest car insurance companies in Georgia are:
You can click on any of the providers above to learn more or find out more about the state’s cheapest car insurance companies by large- and medium-sized providers below.
According to J.D. Power, large insurers are ones that have written $4.5 billion or more in direct premiums for personal auto. The cheapest large car insurance companies in Georgia are Geico, State Farm, Progressive, Allstate and USAA. We’ve provided details on the lowest average rates for a minimum coverage and full-coverage policy from these providers in the table below.
More: Largest Car Insurance Companies
J.D. Power defines mid-size insurers as those that have written between $1 and $4.499 billion in direct premiums for personal auto. In Georgia, we found that the cheapest mid-size car insurance companies are Country Financial, Auto-Owners Insurance, Georgia Farm Bureau, Mercury Insurance and Safeway Insurance.
You can compare their average premiums and cost ratings for each company below.
Coverage level has a significant impact on rates. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that’s required by the state, it’s a good idea for drivers to consider full coverage auto insurance.
Below are the cheapest auto insurance options in Georgia for both coverage types.
At $31 per month on average, or $373 per year, Country Financial offers the cheapest minimum liability car insurance in Georgia.
| Company | Average Monthly Rate | Average Annual Rate |
| Country Financial | $31 | $373 |
| Auto-Owners Insurance | $35 | $426 |
| Georgia Farm Bureau | $48 | $576 |
| Geico | $53 | $639 |
| State Farm | $59 | $703 |
| USAA* | $50 | $602 |
**All drivers in Georgia are required to have minimum liability coverage, which is the most affordable car insurance coverage level.
Read more: Cheapest Liability-Only Auto Insurance
At $129 per month or 1,544 per year, Auto-Owners offers the cheapest average full coverage car insurance in Georgia.
| Company | Average Monthly Rate | Average Annual Rate |
| Auto-Owners Insurance | $129 | $1,544 |
| Country Financial | $129 | $1,553 |
| Georgia Farm Bureau | $145 | $1,738 |
| State Farm | $162 | $1,942 |
| Geico | $171 | $2,054 |
| USAA* | $138 | $1,655 |
We’d like to note that these rates are based on an unmarried 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of personalized factors.
Read more: Cheapest Full-Coverage Car Insurance
Young drivers can pay significantly more for car insurance than older adults. The tables below show the cheapest car insurance for young drivers in Georgia, along with estimated monthly and annual costs.
Our research shows Auto-Owners Insurance offers the cheapest car insurance rates in Georgia on average for 16-year-old drivers at $349 per month or $4,186 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Auto-Owners Insurance | $349 | $4,186 |
| Country Financial | $352 | $4,221 |
| Georgia Farm Bureau | $450 | $5,402 |
| State Farm | $571 | $6,857 |
| USAA* | $473 | $5,681 |
Auto-Owners Insurance tends to be the cheapest option on average for full coverage car insurance for 17-year-olds, at $287 per month or $3,438 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Auto-Owners Insurance | $287 | $3,438 |
| Country Financial | $305 | $3,664 |
| Geico | $314 | $3,772 |
| State Farm | $388 | $4,659 |
| USAA* | $237 | $2,849 |
**Costs were taken from 2022 information.
On average, Geico has the cheapest full coverage car insurance for 18-year-olds in Georgia, offering rates as low as an estimated $250 per month or $3,005 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $250 | $3,005 |
| Auto-Owners Insurance | $263 | $3,154 |
| Country Financial | $277 | $3,321 |
| Georgia Farm Bureau | $291 | $3,492 |
| USAA* | $212 | $2,543 |
**Costs were taken from 2022 information.
According to our research, Geico offers the cheapest coverage for 21-year-old drivers in the state on average, costing $157 per month or $1,875 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $157 | $1,875 |
| Auto-Owners Insurance | $189 | $2,267 |
| Georgia Farm Bureau | $202 | $2,420 |
| Country Financial | $219 | $2,628 |
| USAA* | $137 | $1,643 |
**Costs were taken from 2022 information.
Twenty-five-year-old Georgia drivers tend to find affordable full coverage car insurance through Georgia Farm Bureau for $162 per month or $1,944 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Georgia Farm Bureau | $162 | $1,944 |
| Country Financial | $167 | $2,006 |
| Auto-Owners Insurance | $180 | $2,162 |
| Progressive | $186 | $2,228 |
| USAA* | $160 | $1,919 |
In our research, we found that Geico tends to offer the cheapest car insurance for seniors on average with rates of $113 per month or $1,356 per year. The sections below will break down costs for auto insurance in the state for 65- to 75-year-old drivers.
Read More: Cheapest Car Insurance For Seniors
Geico offers the cheapest Georgia car insurance for most 65-year-olds, costing an average of $101 per month or $1,212 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $101 | $1,212 |
| Auto-Owners Insurance | $115 | $1,378 |
| Georgia Farm Bureau | $119 | $1,429 |
| Country Financial | $131 | $1,571 |
| USAA* | $100 | $1,201 |
**Costs were taken from 2022 information.
Geico offers 75-year-old Georgia drivers the cheapest rates, at $125 per month or $1,496 per year. This is around 29% lower than the state average for this age, which is $161 per month or $1,933 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $125 | $1,496 |
| Auto-Owners Insurance | $138 | $1,655 |
| Country Financial | $148 | $1,780 |
| Georgia Farm Bureau | $158 | $1,898 |
| USAA* | $132 | $1,584 |
**Costs were taken from 2022 information.
On average, Georgia Farm Bureau, Country Financial and State Farm offer the cheapest car insurance for high-risk drivers in Georgia. The sections below will show monthly and annual full-coverage rates for drivers who fall into these categories.
Georgia Farm Bureau tends to offer the best rates for Georgia drivers with a speeding ticket, with an average estimate of $145 per month or $1,738 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Georgia Farm Bureau | $145 | $1,738 |
| Auto-Owners Insurance | $163 | $1,956 |
| State Farm | $173 | $2,070 |
| Geico | $189 | $2,270 |
| USAA* | $172 | $2,058 |
Country Financial tends to offer the cheapest rates for Georgia drivers after an accident, with an average estimate of $167 per month or $2,006 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Country Financial | $167 | $2,006 |
| Georgia Farm Bureau | $177 | $2,127 |
| Auto-Owners Insurance | $180 | $2,161 |
| State Farm | $186 | $2,232 |
| USAA* | $204 | $2,450 |
State Farm tends to offer the lowest rates for Georgia drivers with a DUI, with an average estimated cost of $173 per month or $2,070 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| State Farm | $173 | $2,070 |
| Country Financial | $199 | $2,392 |
| Auto-Owners Insurance | $236 | $2,830 |
| Progressive | $237 | $2,847 |
| Mercury | $239 | $2,870 |
In Georgia, insurers can use your credit score as a factor in your premiums. Drivers with poor credit typically pay much higher rates for auto coverage than those with average or good credit scores.
Country Financial tends to offer the lowest rates for Georgia drivers who have poor credit scores, with an average estimate of $184 per month or 2,212 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Country Financial | $184 | $2,212 |
| Safeway | $225 | $2,701 |
| Geico | $228 | $2,740 |
| Progressive | $270 | $3,239 |
| USAA* | $251 | $3,010 |
It’s no secret that the best way to get cheap car insurance in Georgia is by comparing rates from multiple providers and looking for deals in your area. We recommend speaking with a car insurance agent to learn more about how to save on auto insurance in the Peach State.
When getting a car insurance quote in Georgia, there are various factors providers use to determine their rates.
The most significant factors that insurers use to determine car insurance costs in Georgia include:
Read More: Compare Car Insurance
Below, you can get personalized cheap auto insurance quotes for your location in Georgia.
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Each provider varies in the discounts that they offer, and the table below shows some of the discounts offered by top providers in the Peach State.
| Georgia Car Insurance Discounts | State Farm | USAA | Auto-Owners Insurance | Geico | Georgia Farm Bureau |
| Multi-policy | ✔ | ✔ | ✔ | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ | ✔ | ✔ | |
| Safe driver | ✔ | ✔ | ✔ | ✔ | |
| Student | ✔ | ✔ | ✔ | ✔ | ✔ |
| Defensive driving | ✔ | ✔ | ✔ | ✔ | |
| Driver training | ✔ | ✔ | ✔ | ✔ | |
| New vehicle | ✔ | ✔ | |||
| Car safety equipment | ✔ | ✔ | ✔ | ✔ | |
| Loyalty | ✔ | ✔ | |||
| Military | ✔ | ✔ | ✔ | ||
| Paid in full discount | ✔ | ||||
| Paperless billing | ✔ | ||||
| Advance quote | ✔ | ||||
| Loss history | ✔ |
*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.
Below is a breakdown of the main discount offerings from many major providers:
Country Financial, Auto-Owners Insurance, USAA, Georgia Farm Bureau and State Farm offer the best cheap car insurance in Georgia. The sections below offer more information about each of these providers.
The average estimated rate for full coverage car insurance in Georgia is $1,973 per year or $164 per month, based on the profile of a 35-year-old driver with good credit and a clean driving record. That’s about 2% cheaper than the national average of $2,008.
Minimum coverage rates in Georgia average $680 per year or $57 per month for that same driving profile, making it 8% more expensive than the national average of $627.
Here is how Georgia stacks up against the rest of the country:
Read More: Average Car Insurance Cost
Age has a significant role in how car insurance rates are calculated in Georgia. Below, you can compare average rates for drivers from 16-55 in the state:
| Age | Average Monthly Rate | Average Annual Rate |
| 16 | $688 | $8,254 |
| 25 | $197 | $2,368 |
| 35 | $164 | $1,973 |
| 45 | $156 | $1,875 |
| 55 | $143 | $1,713 |
As you can see, teen drivers in Georgia can expect to pay substantially more for car insurance coverage than older drivers.
Car insurance rates vary from place to place within the state of Georgia, even when you control for all other factors. The table below shows the average estimates for full coverage insurance in different Georgia cities.
| City in Georgia | Estimated Monthly Cost | Estimated Annual Cost |
| Valdosta | $92 | $1,105 |
| Albany | $112 | $1,341 |
| Athens | $112 | $1,344 |
| Statesboro | $114 | $1,370 |
| Augusta | $114 | $1,372 |
| Evans | $117 | $1,398 |
| Peachtree City | $117 | $1,403 |
| Gainesville | $121 | $1,447 |
| Newnan | $121 | $1,455 |
| Warner Robins | $122 | $1,463 |
| Rome | $123 | $1,474 |
| Columbus | $125 | $1,497 |
| Alpharetta | $125 | $1,501 |
| Milton | $126 | $1,512 |
| Roswell | $129 | $1,547 |
| Dunwoody | $129 | $1,550 |
| Savannah | $132 | $1,582 |
| Sandy Springs | $132 | $1,583 |
| Johns Creek | $136 | $1,632 |
| Macon | $137 | $1,643 |
| Smyrna | $139 | $1,666 |
| Marietta | $140 | $1,684 |
| Tucker | $149 | $1,782 |
| Mableton | $151 | $1,816 |
| Atlanta | $153 | $1,836 |
*Average rates above apply to the top three companies in each city.
As the table above illustrates, drivers typically pay higher rates in urban areas like Atlanta and Savannah than in rural parts of the state. But other factors, such as the probability of extreme weather or flooding, can also affect local rates.
Georgia car insurance is typically more expensive than it is in other states. Below you can compare average rates for Georgia vs. other states.
| State | Average Annual Minimum-Liability Premium | Average Annual Full-Coverage Premium |
| Alabama | $502 | $1,775 |
| Alaska | $486 | $1,685 |
| Arizona | $635 | $2,008 |
| Arkansas | $451 | $2,038 |
| California | $602 | $2,313 |
| Colorado | $566 | $2,173 |
| Connecticut | $980 | $1,919 |
| Delaware | $1,194 | $2,881 |
| Florida | $1,385 | $3,244 |
| Georgia | $680 | $1,973 |
| Hawaii | $529 | $1,656 |
| Idaho | $378 | $1,402 |
| Illinois | $441 | $1,541 |
| Indiana | $432 | $1,587 |
| Iowa | $274 | $1,563 |
| Kansas | $475 | $1,918 |
| Kentucky | $682 | $2,522 |
| Louisiana | $925 | $3,040 |
| Maine | $380 | $1,238 |
| Maryland | $901 | $1,833 |
| Massachusetts | $754 | $2,430 |
| Michigan | $1,360 | $3,643 |
| Minnesota | $481 | $1,766 |
| Mississippi | $453 | $1,658 |
| Missouri | $560 | $2,104 |
| Montana | $398 | $1,979 |
| Nebraska | $356 | $1,871 |
| Nevada | $1,283 | $2,788 |
| New Hampshire | $415 | $1,362 |
| New Jersey | $1,332 | $2,513 |
| New Mexico | $536 | $1,943 |
| New York | $870 | $2,088 |
| North Carolina | $469 | $1,627 |
| North Dakota | $445 | $1,916 |
| Ohio | $536 | $1,599 |
| Oklahoma | $516 | $2,278 |
| Oregon | $953 | $1,925 |
| Pennsylvania | $437 | $1,981 |
| Rhode Island | $1,036 | $2,357 |
| South Carolina | $701 | $1,845 |
| South Dakota | $328 | $2,291 |
| Tennessee | $404 | $1,524 |
| Texas | $683 | $2,205 |
| Utah | $732 | $1,928 |
| Vermont | $310 | $1,199 |
| Virginia | $545 | $1,781 |
| Washington | $561 | $1,616 |
| Washington, D.C. | $686 | $2,218 |
| West Virginia | $604 | $2,177 |
| Wisconsin | $408 | $1,694 |
| Wyoming | $308 | $1,702 |
Georgia law dictates that every driver in the state carry a minimum required amount of liability coverage. These are the types of car insurance and minimum coverage limits you need in Georgia, often shortened to 25/50/25:
Georgia is an at-fault state. That means that the driver who is ruled at fault for an accident is responsible for damages to others and their vehicles.
This required state minimum coverage only covers other people in car accidents you cause. If you want to protect your own vehicle when you’re at fault for an accident, you’ll need collision coverage. If you want additional coverage for your car in case you hit a stationary object or encounter environmental damage, you’ll need comprehensive insurance.
The combination of liability insurance plus collision and comprehensive coverage is called full coverage insurance. Other useful Georgia auto insurance options include underinsured/uninsured motorist coverage and medical payments (MedPay).
If you own a business, you’re required to have commercial auto insurance coverage in Georgia. However, the limits depend on the seating capacity and carrier type.
For limousine drivers:
For intrastate carriers:
It’s illegal to drive a car without the minimum required insurance in Georgia. It’s also illegal to let your liability coverage lapse. Insurance companies notify the Georgia Department of Driver Services when your policy ends.
If you’re caught, you can face fines and other consequences. On your first offense, you can face a lapse fee of $25 and a reinstatement fee of $60, as well as have your license suspended for up to 60 days. These penalties increase with each offense and on your third offense, you can have your license suspended for up to six months. You can also spend up to a year in jail on any offense.
If you’re looking to reinstate your license due to suspension from lacking the minimum requirements for auto insurance in Georgia, you’ll need to file an SR-22 insurance form to the Georgia Department of Driver Services along with proof of proper coverage and the appropriate payment for fees incurred. If you’ve had two or more violations, you’ll need to purchase an SR-22A insurance policy.
In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Georgia. We also looked at average cost of car insurance and coverage requirements in the Peach State. We encourage you to gather free quotes from several of the cheapest providers in Georgia to find the right policy for your needs and budget.
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Below are some common frequently asked questions about cheap car insurance in Georgia:
Country Financial offers the cheapest minimum liability car insurance coverage in Georgia, with average rates of $31 per month or $373 per year. Auto-Owners offers the cheapest full-coverage insurance at $129 per month or $1,544 per year. USAA, State Farm, Geico and Georgia Farm Bureau also offer cheap rates for a variety of driver profiles.
Since Georgia Senate Bill 276 passed in 2008, insurance companies can increase premiums without the approval of the insurance commissioner. This is one reason car insurance can be more expensive in Georgia.
In most cases, insurance follows the car and not the driver in Georgia. That means other drivers who use your car are covered by your insurance policy, provided they have a valid driver’s license and permission to use your vehicle.
Yes, you need car insurance when driving in Georgia. Your cheapest Georgia car insurance policy must meet these minimum coverage limits: bodily injury liability of $25,000 per person and $50,000 per accident, and property damage liability of $25,000 per accident.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
*Data accurate at time of publication.
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