Cheapest car insurance in Georgia

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Auto-Owners offers the cheapest car insurance in Georgia, with an average annual cost of $1,529, based on Insure.com’s data study. However, the exact rates may vary based on factors specific to you.

Each state has different car insurance requirements. In Georgia, drivers are required to carry minimum liability coverage of $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $25,000 for property damage accident.

However, many Georgia drivers prefer full coverage car insurance because it provides adequate coverage in the event of an accident.

Below, we’ve highlighted the most affordable insurance company in each category.

Cheapest overall: Auto-Owners

$1,529/year

National avg. rate

Cheapest for at-fault accident: Auto-Owners

$2,201/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Auto-Owners

$1,977/year

Avg. rate after speeding ticket

Cheap car insurance companies in Georgia

Auto-Owners offers Georgia’s most affordable car insurance rates, at $1,529 per year, 22% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.

When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.

The table below shows the most affordable car insurance companies and their average annual premiums.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Georgia

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Georgia

The cheapest ZIP code for car insurance in Georgia is 31606, with an average annual cost of $1,484. Find below the most affordable ZIP codes for auto insurance rates 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.

Cheapest car insurance in Georgia by age

In Georgia, insurance rates for young drivers are significantly higher than for adults, as they are more prone to accidents and filing claims. Insure.com’s analysis shows that a 16-year-old pays $6,288 more for car insurance than a 40-year-old driver.

The following table shows the cheapest car insurance premiums for drivers of different ages.

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Cheapest car insurance in Georgia by driver history

Insurers consider your driving history to be one of the most important factors in setting insurance rates. If you’re involved in an at-fault accident or convicted of a traffic violation, your premiums may increase. On the other hand, having a clean record makes you a low-risk driver and can lead to cheaper car insurance.

Cheapest car insurance after a speeding ticket in Georgia

Here are the top three companies offering affordable rates for car insurance after a speeding ticket.

• Auto-Owners: $1,977 per year
• Progressive: $2,228 per year
• Allstate: $2,276 per year

Insure.com data shows that a single speeding ticket in Georgia can result in a 36% or $701 increase in insurance rates.

Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Georgia, below are insurers that provide cheap rates after a speeding ticket.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Georgia

Below are the top three insurance companies that provide affordable car insurance rates after an accident.

• Auto-Owners: $2,201 per year
• Country Financial: $2,408 per year
• State Farm: $2,713 per year

Auto-Owners has the cheapest auto insurance rates for Georgia drivers after an at-fault accident at $2,201 a year.

If you’re responsible for an accident, expect your car insurance rates to increase. However, you can still shop around to find affordable car insurance rates.

Below, you’ll find a list of companies that offer affordable car insurance for drivers with an accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Georgia

Below is a list of the top three companies offering affordable car insurance following a DUI conviction.

• State Farm: $2,507 per year
• Progressive: $2,597 per year
• Allstate: $2,696 per year

If you’ve recently been convicted of a DUI, you might be concerned about how it will impact your car insurance rates. Most insurance companies will consider you a high-risk driver and increase your premiums. But some insurers offer relatively affordable rates.

The table below outlines the insurance companies that offer the most affordable car insurance rates following a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Georgia

Full coverage insurance typically costs more than minimum liability insurance, but for most drivers, the additional expense is worthwhile. On average, full coverage car insurance in Georgia is $75 more than the national average.

Full coverage limits vary, but getting a policy with limits of 100/300/100 is recommended for added protection.

What is full coverage car insurance in Georgia?

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.

Final thoughts

While it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.

Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy 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. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

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

Shivani Gite

Contributing Writer

 

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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.