Low-cost car insurance in Georgia

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Progressive provides the lowest car insurance rates in Georgia at $1,807 a year. The average premium is $209 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, $25,000 for bodily injury per accident, and $50,000 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

Progressive offers the lowest car insurance rates in Georgia, at $1,807 per year, which is about $696 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 $3,301.
The ZIP code 31537 has the low-cost car insurance rates in Georgia, at an average annual rate of $1,788.

Low-cost car insurance companies in Georgia

Progressive offers the lowest car insurance rates in Georgia, with an average annual premium of $1,807 per year. It’s $696 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	$1,807
GEICO	$2,227
Auto-Owners	$2,231
Allstate	$2,271
Mercury Insurance	$3,467
Safeway Insurance	$4,119
USAA*	$1,716

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

How we choose low-cost car insurance companies in Georgia

195+

Carriers reviewed

65M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Georgia

Drivers in 31537 benefit from the lowest average premium in the state, at $1,788 per year. See the table below to find other ZIP codes in Georgia where insurance tends to be cheaper.

Zipcode	City	Average annual rates
31537	Folkston	$1,788
31543	Hortense	$1,846
31606	Valdosta	$1,846
31605	Valdosta	$1,849
31553	Nahunta	$1,863
31305	Darien	$1,878
31699	Moody AFB	$1,885
31516	Blackshear	$1,905
30598	Toccoa Falls	$1,913
31641	Naylor	$1,913

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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 $12,816 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)	$10,914
Young Adults (20-24)	$4,389
Adults (25-60)	$2,542
Seniors (65-75)	$2,760

Low-cost car insurance in Georgia by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Georgia

A single speeding ticket in Georgia can push your rates up by 33%, or about $827. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$1,807	$2,316	28%	$509
Auto-Owners	$2,231	$2,945	32%	$714
GEICO	$2,227	$3,218	44%	$991
Allstate	$2,271	$3,227	42%	$956
Safeway Insurance	$4,119	$4,668	13%	$549
Mercury Insurance	$3,467	$5,210	50%	$1,743
USAA*	$1,716	$2,153	25%	$437

*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. Auto-Owners is the lowest-cost option for these drivers, with an average annual premium of $3,301.

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
Auto-Owners	$2,231	$3,301	48%	$1,070
Progressive	$1,807	$3,512	94%	$1,705
GEICO	$2,227	$3,556	60%	$1,329
Allstate	$2,271	$4,766	110%	$2,495
Safeway Insurance	$4,119	$5,636	37%	$1,517
Mercury Insurance	$3,467	$7,492	116%	$4,025
USAA*	$1,716	$2,631	53%	$915

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

Low-cost car insurance after a DUI in Georgia

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Georgia are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$1,807	$3,176	76%	$1,369
Allstate	$2,271	$3,354	48%	$1,083
Auto-Owners	$2,231	$4,462	100%	$2,231
Safeway Insurance	$4,119	$5,384	31%	$1,265
GEICO	$2,227	$6,113	174%	$3,886
Mercury Insurance	$3,467	$6,736	94%	$3,269
USAA*	$1,716	$3,573	108%	$1,857

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

Average cost of car insurance Georgia

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Georgia, the average cost of full coverage is $75 less compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Georgia, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

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 65,756,440 insurance quotes from 195 insurance companies across 34,595 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.

Read more about our research standards and methodology.

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.