Low-cost car insurance in Georgia

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Drivers in Georgia can find the cheapest average premium with Progressive, at $1,980 per year. By comparison, the statewide average monthly cost is $228. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Georgia requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Georgia, depending on your situation.

Key Takeaways

Progressive has the lowest average car insurance premium in Georgia, costing $1,980 per year. That’s $759 the state average.
For drivers with an at-fault accident on record, Country Financial offers the most affordable coverage at around $3,260 annually.
The 31605 ZIP code stands out as the cheapest area for auto insurance in Georgia, with an average yearly cost of $1,918.

Low-cost car insurance companies in Georgia

Progressive offers the lowest car insurance rates in Georgia, with an average annual premium of $1,980 per year. It’s $759 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..

Company	Average annual rates
Progressive	$1,980
GEICO	$2,248
Auto-Owners	$2,266
Country Financial	$2,545
Central Insurance	$2,681
Allstate	$3,067
Safeway Insurance	$3,412
Mercury Insurance	$3,495
State Farm	$4,107
USAA*	$1,728

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Georgia

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Georgia

Drivers in the 31605 ZIP code pay the lowest average annual premium in Georgia, at $1,918. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
31605	Valdosta	$1,918
31641	Naylor	$1,973
31606	Valdosta	$2,065
30721	Dalton	$2,082
31630	Du Pont	$2,090
31643	Quitman	$2,106
31699	Moody AFB	$2,111
30710	Cohutta	$2,118
30720	Dalton	$2,127
31602	Valdosta	$2,132

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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 city

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Low-cost car insurance in Georgia by age

Teenagers pay significantly more for car insurance than adults in Georgia. For instance, a 16-year-old driver pays $9,316 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Georgia.

Age group	Full coverage annual premiums
Teens (16-19)	$9,240
Young Adults (20-24)	$4,484
Adults (25-60)	$2,780
Seniors (65-75)	$2,824

Low-cost car insurance in Georgia by driver history

Insurers 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 Georgia

One speeding ticket in Georgia can cause your insurance rates to jump by 36%, or roughly $975 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$1,980	$2,665	35%	$685
Auto-Owners	$2,266	$2,930	29%	$664
Country Financial	$2,545	$3,331	31%	$785
GEICO	$2,248	$3,338	48%	$1,090
Allstate	$3,067	$3,465	13%	$399
State Farm	$4,107	$4,392	7%	$285
Mercury Insurance	$3,495	$5,341	53%	$1,846
USAA*	$1,728	$2,147	24%	$419

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Georgia

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Country Financial is the lowest-cost option for these drivers, with an average annual premium of $3,260.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Country Financial	$2,545	$3,260	28%	$715
Auto-Owners	$2,266	$3,261	44%	$995
Progressive	$1,980	$3,621	83%	$1,641
GEICO	$2,248	$3,761	67%	$1,512
Allstate	$3,067	$4,599	50%	$1,533
State Farm	$4,107	$4,752	16%	$645
Mercury Insurance	$3,495	$7,215	106%	$3,719
USAA*	$1,728	$2,644	53%	$916

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Georgia

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Georgia keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$1,980	$3,105	$1,125	57%
Country Financial	$2,545	$3,752	$1,207	47%
Allstate	$3,067	$4,105	$1,039	34%
Auto-Owners	$2,266	$4,339	$2,073	91%
State Farm	$4,107	$4,392	$285	7%
Mercury Insurance	$3,495	$5,071	$1,575	45%
GEICO	$2,248	$6,527	$4,279	190%
USAA*	$1,728	$3,551	$1,823	105%

*USAA is only available to military community members and their families.

Average cost of car insurance Georgia

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Georgia is $226 more than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Georgia, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

When 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.

Methodology

Insure.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 violation 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 applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing 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.