Home Car insurance Car insurance rates by state Low-cost car insurance in Georgia Low-cost car insurance in Georgia Auto-Owners offers the lowest car insurance rates in Georgia, based on our data. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Auto-Owners provides the lowest car insurance rates in Georgia at $1,529 a year. The average premium is $164 per month in Georgia, though your actual rate may vary. Car insurance requirements differ by state. In Georgia, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.Below, you’ll find which insurance companies are the most affordable for different categories. Key Takeaways Auto-Owners offers the lowest car insurance rates in Georgia, at $1,529 per year, which is about 22% the state average.Auto-Owners has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,201.The ZIP code 31606 has the low-cost car insurance rates in Georgia, at an average annual rate of $1,484. Low-cost car insurance companies in GeorgiaAuto-Owners offers the lowest car insurance rates in Georgia, with an average annual premium of $1,529 per year. It’s 22% less expensive than the average car insurance cost in Georgia. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.Below are the annual rates from low-cost car insurance companies..CompanyAverage annual ratesAuto-Owners$1,529Progressive$1,656Central Insurance$1,706Country Financial$1,880Allstate$2,014GEICO$2,072Mercury Insurance$2,219State Farm$2,344Safeway Insurance$2,812USAA*$1,562*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in Georgia 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in GeorgiaDrivers in the 31606 ZIP code pay the lowest average annual premium in Georgia, at $1,484. See which other areas of the state offer more affordable rates below.ZIP codeCityAverage annual rates31606Valdosta$1,48431605Valdosta$1,48531699Moody AFB$1,51431602Valdosta$1,53231601Valdosta$1,53931641Naylor$1,54331632Hahira$1,54431636Lake Park$1,55531698Valdosta$1,55631537Folkston$1,601Powered by: You might find interesting Average car insurance cost in GeorgiaCar insurance calculator for teens in GeorgiaCheapest SR-22 insurance in GeorgiaDo you need insurance to register a car in Georgia?Georgia car insurance calculatorHow long does a speeding ticket stay on your record in GeorgiaHow much car insurance costs in Georgia vs. FloridaHow much is gap insurance in GeorgiaNon-owner car insurance in Georgia: Which company has the cheapest rates?The best, cheapest car insurance in GeorgiaBest and cheapest companies for home and auto bundles 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.Car insurance rates in Georgia by cityAtlantaAugustaSavannah Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Low-cost car insurance in Georgia by ageTeen drivers in Georgia pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $6,288 more than a 40-year-old driver in Georgia.The table below shows low-cost car insurance rates for drivers of different ages. Age groupFull coverage annual premiumsTeens (16-19)$6,397Young Adults (20-24)$3,293Adults (25-60)$2,002Seniors (65-75)$2,038Powered by:Low-cost car insurance in Georgia by driver historyInsurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.Low-cost car insurance after a speeding ticket in GeorgiaJust one speeding ticket in Georgia can raise your rates by 36% – $701 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAuto-Owners$1,529$1,97729%$448Progressive$1,656$2,22835%$572Allstate$2,014$2,27613%$262Country Financial$1,880$2,46031%$580State Farm$2,344$2,5077%$163GEICO$2,072$3,07648%$1,004Mercury Insurance$2,219$3,39153%$1,172USAA*$1,562$1,94124%$379*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in GeorgiaAfter an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Auto-Owners has the lowest average rate at $2,201 per year.If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Georgia with the most affordable rates for drivers with an accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAuto-Owners$1,529$2,20144%$672Country Financial$1,880$2,40828%$528State Farm$2,344$2,71316%$369Allstate$2,014$3,02150%$1,007Progressive$1,656$3,02883%$1,372GEICO$2,072$3,46567%$1,393Mercury Insurance$2,219$4,581106%$2,362USAA*$1,562$2,39053%$828*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in GeorgiaBeing labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Georgia offer the most affordable rates after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$2,344$2,507$1637%Progressive$1,656$2,597$94157%Allstate$2,014$2,696$68234%Country Financial$1,880$2,771$89147%Auto-Owners$1,529$2,928$1,39992%Mercury Insurance$2,219$3,219$1,00045%GEICO$2,072$6,015$3,943190%USAA*$1,562$3,211$1,649106%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance Georgia Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.In Georgia, the average cost of full coverage is $75 more compared to the national averageWe recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.What is full coverage car insurance?Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.If you lease or finance your car in Georgia, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.The bottom line on saving and staying protectedWhen it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Georgia.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in Georgia. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles..We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance companies in GeorgiaHow we choose low-cost car insurance companies in GeorgiaZIP codes with the cheapest car insurance in GeorgiaLow-cost car insurance in Georgia by ageLow-cost car insurance in Georgia by driver historyAverage cost of car insurance GeorgiaWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330