Car Insurance in Georgia
- Auto-Owners offers the cheapest liability and full coverage car insurance in GA
- Compare cheap car insurance quotes in GA from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Georgia
Car insurance in Georgia costs $1020 for a 6-month policy — 11% more expensive than than the national average rate.[1]
According to our data, 40% of drivers in Georgia believe they are overpaying for car insurance.[2] While not always recommended, Georgia drivers looking for the cheapest coverage can drop to liability coverage for $370 for a 6-month policy.
Our agents and insurance experts analyzed Georgia car insurance quotes across different coverage levels, driving histories and companies to find you the best policy. Continue reading to find out how much auto insurance costs in Georgia so you know what's fair for your situation.
- Alfa Insurance received a score of 851 (out of 1,000) in J.D. Power's 2023 U.S. Auto Insurance Study, the highest for the Southeast region.[3]
- Read more about the best-rated companies in Georgia ↓
- We determined that Allstate offers the best value in Georgia for price, customer satisfaction and coverage.
- Read more about why Allstate is a great fit for many Georgia drivers ↓
- Auto-Owners offers the cheapest full coverage insurance in Georgia at $96/mo.
- See more about full coverage car insurance options in Georgia ↓
- Auto-Owners has the cheapest liability insurance coverage in Georgia at $27/mo.
- See more about liability car insurance options in Georgia ↓
Below you'll find some of the other top insurance companies in Georgia as well as their average costs based on common factors like coverage level, whether you're a young driver or have violations and tickets in your recent driving history.
What are the best car insurance companies in Georgia?
To determine what is "best" in the world of car insurance, we conducted an expert analysis using customer satisfaction, the average cost in Georgia, coverage options and whether the company offers any benefits or perks.
While Allstate is pricier than Auto-Owners, which is the cheapest for full coverage and liability only, Allstate was rated higher for customer satisfaction and claims satisfaction in The Zebra's survey, which could make the higher cost worth it for the peace of mind. This is corroborated by J.D. Power's 2023 regional study of auto insurance companies, with Allstate scoring better than Auto-Owners for customer satisfaction.
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Lots of extra coverage options and endorsements
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Offers telematics (Drivewise) and pay-per-mile (Milewise) programs
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Expensive for younger drivers and those with recent accidents or tickets
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Criteria for qualifying for discounts may be tricky
Best car insurance in Georgia — honorable mentions
Allstate is a solid choice but isn't the only reputable company for Georgia drivers. Below are some other top contenders according to the results of J.D. Power's study and The Zebra's survey of 2,722 drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $923 | $154 |
| USAA | $956 | $159 |
| State Farm | $972 | $162 |
| Progressive | $1,019 | $170 |
How the best value is determined
Our recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Auto Insurance Study
- Each company's average cost of car insurance in Georgia
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Compare Georgia car insurance quotes and companies with The Zebra.
Cheap full coverage insurance in Georgia
In Georgia, a full coverage policy with $500 deductibles for both comprehensive and collision coverage is priced at $1020. The following displays monthly and 6-month rates from the top insurance providers in Georgia with full coverage.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $574 | $96 |
| Georgia Farm Bureau | $717 | $120 |
| Allstate | $923 | $154 |
| USAA | $956 | $159 |
| State Farm | $972 | $162 |
| Progressive | $1,019 | $170 |
| GEICO | $1,822 | $304 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
About 51% of drivers in Georgia have full coverage.[2] While the exact definition may vary, full coverage consists of physical protection for your car with comprehensive and collision coverage. This protects against the costs of car accidents, theft, vandalism, or weather incidents.
Keep in mind that better coverage comes with a higher cost: in Georgia, a full coverage insurance policy with a $500 deductible costs $1020 compared to $370 for liability-only coverage.
Zebra Tip: Look for these car insurance discounts
Full coverage will always cost more than liability-only, but there are ways to save with these common discounts:
- Payment methods: Advance purchase, electronic bill pay, pay-in-full
- Driver discounts: Bundling (multi-policy), multi-car, good driver, good student, homeowner, military
- Vehicle discounts:Â New vehicles, safety devices (consider telematics), anti-theft devices
Cheap liability insurance in Georgia
Your selected coverage level significantly impacts the amount you pay. In Georgia, the typical cost for liability coverage stands at $370 for a regular 6-month policy. The following table displays car insurance quotes in Georgia for liability coverage.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $165 | $27 |
| USAA | $295 | $49 |
| Georgia Farm Bureau | $299 | $50 |
| GEICO | $363 | $60 |
| State Farm | $366 | $61 |
| Allstate | $371 | $62 |
| Progressive | $402 | $67 |
Based on our records, 49% of drivers in Georgia opt for just liability insurance for their cars.[2]Â The minimum liability limits in Georgia are 25/50/25. See a more detailed explanation of Georgia car insurance laws.
Hunter Black, licensed insurance professional at The Zebra
"I would always advise to bump up to 50/100/50 if the price difference is minimal. I would also advise selecting uninsured motorist coverage as an 'added on' instead of 'reduced.' Added on UM makes you eligible for ALL of the UM coverage you buy and add on the coverage of the at-fault third party. Whereas reduced UM only gives you access to the difference between the limit of the liability coverage between the third parties' coverage and your coverage."
Quote comparison: liability vs. full coverage
The trade-off of the low cost of liability-only car insurance is that it can leave you underinsured if you get in an accident or incident that causes physical damage to your vehicle. This is because liability insurance is designed to only cover accidents that you cause to others.
If you want protection for your car, you must have comprehensive and collision coverage, also known as full coverage.
| Company | Liability Coverage | Full Coverage | $ Difference |
|---|---|---|---|
| Auto-Owners | $165 | $574 | $409 |
| Georgia Farm Bureau | $299 | $717 | $418 |
| Allstate | $371 | $923 | $552 |
| State Farm | $366 | $972 | $606 |
| Progressive | $402 | $1,019 | $617 |
| USAA | $295 | $956 | $661 |
| GEICO | $363 | $1,822 | $1,459 |
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $1,919 | $320 |
| Georgia Farm Bureau | $2,036 | $339 |
| USAA | $2,186 | $364 |
| Allstate | $2,833 | $472 |
| GEICO | $3,538 | $590 |
| State Farm | $3,639 | $606 |
| Progressive | $4,357 | $726 |
| Company | 16-year-old | 17-year-old | 18-year-old |
|---|---|---|---|
| Auto-Owners | $2,091 | $2,054 | $1,853 |
| Georgia Farm Bureau | $2,424 | $2,325 | $1,748 |
| USAA | $3,091 | $2,168 | $1,856 |
| Allstate | $3,767 | $3,258 | $2,679 |
| GEICO | $4,289 | $3,707 | $3,261 |
| State Farm | $5,019 | $3,734 | $3,284 |
| Progressive | $5,550 | $5,109 | $4,242 |
Zebra Tip: Three ways young drivers can save on car insurance
- Stay on a parent's policy: Joining mom and dad's policy will always be significantly cheaper than a young driver on their own policy.
- Student discounts: Many insurance companies offer discounts for students with a "B" average or those attending school away from home.
- Choose an inexpensive but safe car: High-performance sports cars and luxury vehicles are costlier to insure, especially for young drivers.
Find the best coverage and price in Georgia with The Zebra.
Georgia auto insurance costs after an accident or ticket
Finding affordable car insurance in Georgia following an accident can be challenging. Insurers evaluate past accidents and tickets to determine the risk you present as a policyholder. A recent at-fault accident might lead to your car insurance rates rising by over $800 annually.[1]
Here's what leading insurance providers in Georgia might charge you after being at fault in an accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $763 | $127 |
| Georgia Farm Bureau | $897 | $150 |
| USAA | $1,087 | $181 |
| Allstate | $1,249 | $208 |
| State Farm | $1,320 | $220 |
| Progressive | $1,571 | $262 |
| GEICO | $2,157 | $360 |
Zebra Tip: Don't forget about claims satisfaction
While customer service is important, claims satisfaction is critical for ensuring that you get the support you're entitled to as a policyholder. According to our survey, USAA scored the best for claims, but if you don't qualify, AAA is the next best option.
In Georgia, a bad driving record can make getting quotes more expensive and difficult. A ticket or citation is likely to raise your car insurance premiums. The extent of the increase is influenced by the nature of the violation, your insurance company's pricing criteria, and varying local insurance rules and risks. This is why the effect of tickets on insurance might differ in your state from the national average.
Driving in Georgia as a high-risk driver
Having a DUI, driving without insurance and other violations in your driving record doesn't just cause your rates to jump up — it can lead to more complicated insurance implications.Â
Learn more about car insurance in Georgia as a high-risk driver with our helpful guide or see more below.
Georgia DUI laws
If you get a DUI in Georgia, this violation can increase your auto insurance premium by 87%. It can be a challenge to find affordable car insurance with a recent DUI on your record, as it often triggers a larger uptick in premium costs than many other citations.
Low-cost car insurance after a DUI in Georgia
It’s integral to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Georgia. Car insurance premiums following a DUI can vary substantially by insurance company. For example, the least expensive car insurance company with a DUI in Georgia, Auto-Owners, advertises annual rates 43% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Georgia is Allstate, while the most expensive is GEICO, with prices 61% above average.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $1,078 | $180 |
| Allstate | $1,226 | $204 |
| Georgia Farm Bureau | $1,449 | $241 |
| Progressive | $1,467 | $245 |
| State Farm | $1,672 | $279 |
| USAA | $1,939 | $323 |
| GEICO | $3,289 | $548 |
Georgia SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Georgia to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Georgia might require some research, but it could pay off in the end.
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How to acquire an SR-22 in Georgia
For currently insured drivers
If you already have an active auto insurance policy, requesting an SR-22 is fairly straightforward. Contact your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.
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For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.
Find an affordable policy in Georgia in minutes!
Car insurance price trends in Georgia
From 2015 to 2024, car insurance premiums in Georgia rose from $1,161 to $2,039. Significant increases occurred in 2016 to 2018, and especially in 2022 with a $447 hike. Despite occasional decreases, such as in 2020 and 2023, the overall trend is an upward climb in premiums.
Compared to the U.S. average, Georgia's premiums have consistently increased at a higher rate. In 2022, the difference was $194, and this gap widened to $182 in 2023 and $175 in 2024. This indicates that insurance costs in Georgia are rising faster than the national average.
| Year | Avg. Annual Premium — Georgia | Yearly $ Change — Georgia |
|---|---|---|
| 2024 | $2,039 | $165 |
| 2023 | $1,874 | -$108 |
| 2022 | $1,982 | $447 |
| 2021 | $1,535 | -$4 |
| 2020 | $1,539 | -$65 |
| 2019 | $1,604 | $10 |
| 2018 | $1,594 | $152 |
| 2017 | $1,442 | $140 |
| 2016 | $1,302 | $141 |
| 2015 | $1,161 | -$65 |
Car insurance quotes in Georgia cities
Where you live in Georgia can significantly impact your car insurance costs. Rates tend to be more expensive in cities within higher traffic density cities like Atlanta than Milton or Alpharetta.
Georgia car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Georgia auto insurance.
Save money on your next car insurance policy!
Learn more about car insurance in Georgia
- Car Insurance in Athens, GA
- Car Insurance for High-Risk Drivers in Georgia
- Temporary Car Insurance in Georgia
- Georgia Car Insurance Laws
- Car Insurance with a DUI in Georgia
- Car Insurance in Columbus, GA
- Sandy Springs, GA Car Insurance
- Average Cost of Car Insurance in Georgia
- Car Insurance in Augusta, GA
- Car Insurance in Macon, GA
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
JD Power. 2023 U.S. Auto Insurance Study
RECENT QUESTIONS ABOUT CAR INSURANCE IN GA
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.