The best, cheapest car insurance in Georgia

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Best car insurance company in Georgia

In Georgia, the average premium for car insurance is $1,970 a year or $164 a month, which is the 20^th highest in the country – Louisiana was number one.

For drivers looking for cheap car insurance in Georgia, Auto-Owners, Progressive, Country Financial, Allstate and others on our list are great options, offering plenty of coverage options at affordable rates.

Our research found Auto-Owners offers low rates when compared to its competitors and received high marks when we look at other factors including J.D Power customer satisfaction scores, financial strength rankings and complaint data. Auto-Owners was our top scorer and was awarded 4.47 out of 5 stars.

State Farm finished second in our rankings with a score of 4.14 stars and GEICO was third at 4.02 stars.

The best car insurance companies in Georgia

How we picked the top auto insurance companies

When choosing the top car insurance companies in the state, we not only looked at the average cost of coverage but also J.D. Power customer satisfaction scores, AM Best financial strength ratings and National Association of Insurance Commissioners (NAIC) complaint rankings. National averages were used where state and regional data was not available.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights, to arrive at an overall star rating.

• Premiums: 25%
• JD Power: 30%
• AM Best: 25%
• NAIC: 20%

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Cheapest car insurance in Georgia

Auto-Owners has the lowest average rate in Georgia at $1,529 a year or $127 a month.

Progressive is the next most affordable at $1,656 annually and Country Financial at $1,880. While these insurers had the cheapest average premiums, there are plenty of other options for coverage in the state.

Insurers consider a wide variety of factors when setting a rate and use proprietary algorithms which can result in dramatic differences in premium quotes. Where you live also affects rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Chong Gao, director of product management R&D at Mercury Insurance. “Georgia, for example, is prone to extreme weather like hurricanes and its car insurance costs are consequently much higher.”

The data shows how shopping around for coverage can result in savings. While Auto-Owners had the lowest average rate at $1,529, State Farm was the most expensive at $2,344.

Below are the cheapest car insurance rates by state. To calculate these rates, we used data for a 40-year-old driver of a 2023 Honda Accord LX – one of the most commonly insured vehicles – to provide a consistent and realistic comparison across states.

Cheapest full-coverage insurance in Georgia

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

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Full coverage car insurance in Georgia

As noted, the rates above are for full coverage car insurance. Full coverage car insurance adds collision and comprehensive to your liability insurance coverage, so your vehicle is repaired or replaced after an incident.

Full coverage insurance includes collision and comprehensive which will pay to repair your vehicle. Collision covers damage caused by a collision with another vehicle or object while comprehensive repairs damage done by perils such as fire, theft, flooding, vandalism, and more.

Learn more about liability, collision and comprehensive coverage.

Shopping for car insurance in Georgia

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance. Experts often tell consumers to shop for insurance yearly. But that doesn’t necessarily mean you should be looking to switch.

“I recommend that people stay with the same insurance company, as they tend to get a better rate when they have been with the same carrier for more than 12 months. The more tenure you have with a carrier, the more potential there is to earn benefits,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. “The carrier can also review your claims history and provide information about applicable discounts.”

But make sure you are comparing like coverage levels and deductibles.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” Bottini says. However, if a person has low limits, say 25/50/25 – limit per person/per occurrence/limit for property damage – he will recommend higher coverage.

“Depending on their age/income and profession,” he says, “I would quote higher limits to protect their net worth and earnings potential.”

Bottini also says people can save money on their car insurance by keeping their credit score up, following the speed limit and placing both home and auto insurance with the same carrier.

Cheapest car insurance in Georgia by age

Insurance companies consider your age when setting a premium and teens and young adults pay more for coverage as statistics show that young drivers, because they are inexperienced, have more accidents and claims.

Regardless of your age, in Georgia, Auto-Owners is the most affordable coverage with an average rate of $1,529 a year.

As teens transition into young adults and get more experience under their belt rates start to drop. By their mid to late-20s – assuming they keep their record clean – driver rates should stabilize and then stay stable until the driver moves into their 70s when rates will start climbing again.

Cheapest car insurance for senior drivers in Georgia

Seniors pay more for car insurance than other drivers, excluding teens. Auto-Owners is the best choice for seniors in Georgia, according to our data, with an average premium of $1,673 annually, which translates to $139 a month.

Progressive was the second most affordable at $1,698 and Country Financial was next with a premium of $1,764.

“Seniors tend to have slower reaction times and may suffer from vision or hearing impairments, which can impair their driving ability. This makes them more prone to accidents and thus considered high-risk by insurance companies,” says Tariro Goronga, CEO of DriveSafe driving schools in Colorado.

The table below shows the average premium for senior drivers.

Average rates for seniors in Georgia

Car insurance for young drivers in Georgia

Young drivers (21-25) have seen their premiums drop from their teen years, but they still pay more than more experienced drivers. In Georgia, Auto-Owners is the cheapest option for young adults with a yearly premium of $2,583 or $215 a month.

Progressive is the next most affordable with an average rate of $2,689 followed by Allstate at $2,986.

Young drivers who maintain a clean driving record can expect their rates to drop even more as they reach their late 20s.

The table below shows the best insurers for young drivers in Georgia:

Average rates for young drivers in Georgia

Car insurance for teen drivers in Georgia

Although teen drivers always pay much higher premiums than other driver groups, Auto-Owners offers teens the cheapest rate at $3,950. Teen drivers are inexperienced and are big risk takers which results in more accidents and claims, pushing up the cost of coverage.

“Teenagers are more likely to be involved in accidents than older drivers because of their lack of experience. This increased risk results in higher insurance rates because insurance companies regard them as high-risk drivers,” says Goronga. “Teenagers are also more likely to engage in risky driving behaviors, such as distracted driving or speeding, increasing their chances of being involved in an accident.”

Country Financial has the second most affordable premium at $4,787 a year followed by State Farm at $6,764 annually.

Our data clearly shows how dramatic premium differences can be for teens and how important shopping your coverage is when trying to find the best rate for your specific risk factors. While Auto-Owners was the most affordable at $3,950, Mercury Insurance was the most expensive with an annual premium of $10,614.

There are a few ways to save some money when insuring a teen. Ask your insurer for a good student discount if they are carrying a B average or better. Putting your teen in an older vehicle that you wouldn’t repair after an accident can help save some money by dropping collision and comprehensive. Just keep in mind that doing so means you’ll be on the hook for any damage if they’re in a crash.

The chart below shows average premiums for teens in Georgia:

Average rates for teens in Georgia

Average cost of car insurance in Georgia

Georgia is the 20^th most expensive state (Louisiana is number one) when it comes to car insurance with an average premium of $1,970.

The table below shows the average rate in each state for a 40-year-old driver of a 2023 Honda Accord LX.

Average rates for a 40-year-old in Georgia

Which Georgia ZIP codes are the most expensive for car insurance?

Insurers consider the ZIP code where your car is parked when setting a premium. High crime rates or frequent severe weather will result in a higher premium.

According to our analysis, the following ZIP codes are the most expensive in Georgia for car insurance. Clarkston tops the charts at $2,904 a year.

Here are the most expensive ZIP codes in Georgia for car insurance:

Most expensive ZIP codes in Georgia

Which Georgia ZIP codes are the cheapest for car insurance?

The cheapest ZIP codes for car insurance in Georgia tend to be in rural areas where there are fewer people and cars which leads to lower accident and claim rates. Moody AFB has the most affordable ZIP code in Georgia with an annual premium of $1,514.

Least expensive ZIP codes in Georgia

Cheapest car insurance for high-risk drivers in Georgia

If you have an incident on your driving record, you may be considered a high-risk driver, and you will pay more for coverage. A speeding ticket, at-fault accident, or DUI can send your premium skyrocketing.

When we ran the numbers, we found that a speeding ticket in Georgia will push the average rate to $2,184 and an at-fault accident will push it to $2,804.

An accident will stay on your record for at least three years so you will be paying a higher premium for quite a while after an accident.

A DUI will usually result in a massive increase and could push your premium into unaffordable territory. If you are convicted of a DUI, your rate on average will climb to $3,714 a year. A DUI will be reported to insurers for three years, and if you are a commercial driver, it stays on your record for 55 years.

The table below shows the average increase for drivers with various incidents on their record:

How much rates increase in Georgia after a traffic incident

Minimum car insurance requirements in Georgia

Most states require drivers to carry a minimum amount of liability car insurance, and Georgia is no exception. Drivers are required to carry 25/50/25 in liability coverage, which translates into:

• $25k for injury/death per person
• $50k for injury/death per accident
• $25k for damage to property

But state-required minimums are rarely enough coverage in a serious accident. If you cause an accident and the damages exceed your coverage levels, you will need to cover the damages out of pocket.

The most common required coverages are $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $25,000 property damage.

Experts typically recommend carrying 100/300/100 as a minimum liability coverage level.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Georgia.”

Mark Vallet

Contributing Researcher

 

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Mark Vallet is a Denver-based insurance expert and journalist with 18 years of experience covering the car insurance industry. He specializes in breaking down complex insurance topics into clear, expert-backed insights that help drivers make smarter insurance coverage decisions.

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