Cheapest Car Insurance in Georgia (2024)
The cheapest car insurance in Georgia is usually Farm Bureau for full coverage and Auto-Owners if you want the bare minimum. However, you might find a less expensive quote at a different insurer, depending on your situation.
Cheapest insurance companies in Georgia
Cheapest full-coverage car insurance in Georgia: Farm Bureau
Drivers in Georgia find the cheapest full-coverage car insurance with Farm Bureau, at an average rate of $1,334 a year.
Auto-Owners is the next most affordable, followed by Allstate. USAA also has a relatively low rate, but it only provides insurance products to past and current military members and their families.
Cheapest companies for full-coverage car insurance
| Company | Average annual rate |
|---|---|
| Farm Bureau | $1,334 |
| Auto-Owners | $1,458 |
| Allstate | $1,869 |
| State Farm | $1,927 |
| Geico | $2,288 |
| Progressive | $2,383 |
| USAA* | $1,562 |
*USAA coverage is limited to military and their families
Full-coverage car insurance isn’t actually a type of policy — it’s a combination of liability, collision and comprehensive coverage.
Collision coverage takes care of your damages after an accident, and comprehensive coverage handles non-collision damage, as well as auto theft and vandalism.
Cheapest Georgia liability-only coverage: Auto-Owners
Auto-Owners has the lowest rate for Georgia drivers looking for liability-only car insurance, at $500 a year.
Farm Bureau has the second cheapest rate — at $569 — followed by Progressive in third place.
Cheapest companies for liability car insurance in Georgia
| Company | Average annual rate |
|---|---|
| Auto-Owners | $500 |
| Farm Bureau | $569 |
| Progressive | $838 |
| State Farm | $970 |
| Geico | $971 |
| Allstate | $972 |
| USAA* | $711 |
Liability-only car insurance covers the medical bills of others and your court costs that result from an accident you’re responsible for.
Cheapest rates for young drivers in Georgia: Farm Bureau
Farm Bureau has the cheapest average liability-only rates for Georgia teens, at $1,876 a year. Auto-Owners is the next most affordable.
Cheapest car insurance companies for teens
| Company | Average annual rate |
|---|---|
| Farm Bureau | $1,876 |
| Auto-Owners | $1,936 |
| State Farm | $3,370 |
| Allstate | $3,386 |
| Geico | $3,403 |
| Progressive | $4,450 |
| USAA* | $1,768 |
Car insurance for young drivers tends to be the highest for any age group. Insurers see teens as being risky to cover, due to their inexperience at driving.
A good way to lower car insurance costs for a teen living in your home is to add them to your own current policy. While this will raise your rates, it should still be cheaper than if you and the teen had separate policies.
Cheapest rates after a speeding ticket in Georgia: Auto-Owners
For Georgia drivers with a traffic ticket on their record, Auto-Owners usually offers the cheapest rate, with an average of $1,458 a year. Farm Bureau is practically just as affordable, with an average rate of $1,460.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| Auto-Owners | $1,458 |
| Farm Bureau | $1,460 |
| State Farm | $2,065 |
| Allstate | $2,113 |
| Geico | $2,768 |
| Progressive | $3,201 |
| USAA* | $1,936 |
In Georgia, a speeding ticket usually stays on your record for two years. You will probably see higher car insurance rates during that time.
Cheapest rates after an accident in Georgia: Farm Bureau
Farm Bureau generally has the most affordable auto insurance rates for Georgia drivers with an at-fault accident on their record, with an average rate of $1,460 a year.
Auto-Owners is the next cheapest, though at an average of $2,083, it usually costs much more than a Farm Bureau policy.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| Farm Bureau | $1,460 |
| Auto-Owners | $2,083 |
| State Farm | $2,238 |
| Allstate | $2,891 |
| Progressive | $3,995 |
| Geico | $4,099 |
| USAA* | $2,258 |
Best rates after a DUI in Georgia: Allstate
At $2,523 a year, Allstate has the cheapest car insurance rates for Georgia drivers with a DUI (driving under the influence) conviction on their record.
Farm Bureau is the next cheapest at $2,580 a year.
Cheapest car insurance companies after a DUI
| Company | Average annual rate |
|---|---|
| Allstate | $2,523 |
| Farm Bureau | $2,580 |
| Auto-Owners | $2,760 |
| Progressive | $3,266 |
| State Farm | $5,873 |
| Geico | $6,967 |
| USAA* | $3,134 |
You will almost certainly see your auto insurance rates increase after a DUI, since insurance companies consider drivers with a DUI to be some of the highest risks for an accident. You may even see your policy canceled or be denied a new one.
If you have your license suspended because of a DUI, then you will need to file an SR-22 with the DMV in order to get it reinstated.
The SR-22 is proof that you carry Georgia’s minimum required liability insurance. You are required to carry the SR-22 for three consecutive years.
Best Georgia rates for bad credit: Farm Bureau
Farm Bureau has the cheapest average rate for Georgia drivers with poor credit, at $1,334 a year, while Allstate is the next-least expensive.
Cheapest car insurance companies for drivers with poor credit
| Company | Average annual rate |
|---|---|
| Farm Bureau | $1,334 |
| Allstate | $2,796 |
| Geico | $3,276 |
| Progressive | $3,633 |
| Auto-Owners | $3,801 |
| State Farm | $7,392 |
| USAA* | $2,855 |
Poor credit can raise your car insurance rates, as insurers consider drivers with a low credit score as more likely to file a claim. However, credit-based insurance scoring is still a controversial issue, with some states limiting the practice.
Georgia insurance rates by city
Of the 25 biggest cities in Georgia, Valdosta has the cheapest car insurance rates, with an average of $1,379 a year.
East Point, in Fulton County, GA, has the most expensive average rates, at $2,607 yearly.
Car insurance rates by city in Georgia
| City | Annual rate |
|---|---|
| Albany | $1,608 |
| Alpharetta | $1,911 |
| Athens | $1,660 |
| Atlanta | $2,289 |
| Augusta | $1,712 |
| Canton | $1,789 |
| Columbus | $1,777 |
| Douglasville | $2,155 |
| Dunwoody | $2,022 |
| East Point | $2,607 |
| Gainesville | $1,785 |
| Johns Creek | $2,015 |
| Marietta | $2,093 |
| Milton | $1,875 |
| Newnan | $1,786 |
| Peachtree City | $1,751 |
| Rome | $1,726 |
| Roswell | $1,923 |
| Sandy Springs | $1,985 |
| Savannah | $1,875 |
| Smyrna | $2,078 |
| Tucker | $2,168 |
| Valdosta | $1,379 |
| Warner Robins | $1,719 |
| Woodstock | $1,882 |
Minimum coverage for car insurance in Georgia
Georgia state law requires drivers to carry the following liability car insurance limits:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage
Methodology
Unless stated otherwise, we looked at thousands of car insurance quotes in Georgia for a 30-year-old man with good credit and no tickets, accidents or convictions for driving under the influence, using a 2015 Honda Civic EX.
The following coverage limits were used:
- Bodily injury liability: 50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive $500 deductible