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Last updated: March 20, 2025
Compare Cheap Auto Insurance in Georgia
Auto-Owners offers the cheapest rates for most drivers in Georgia and military drivers may also find a great deal from USAA.
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The average annual premium for full coverage auto insurance in Georgia is $2,684, which is around 12 percent over the national average of $2,399. Minimum coverage in Georgia costs an average of $1,064 per year, which is 68 percent higher than the national average of $635.
Georgia is an at-fault state, which is the system most states use. This means the driver at fault in an accident is responsible for damages they cause, whether through their insurance or out of pocket. Georgia also has one of the highest rates of uninsured drivers in the country,1 which can contribute to the cost of insurance for everyone else.
Overview
- Full coverage auto insurance in Georgia costs an average of $2,684 per year, while minimum coverage is around $1,064 per year.
- Auto-Owners and USAA have the best rates, on average, for most Georgia drivers; USAA also has a solid customer service record.
- State Farm and Country Financial also offer competitive rates for various driver profiles in Georgia.
Jump to:
- Cheapest full coverage auto insurance in Georgia: Auto-Owners ($1,930 annually) and USAA ($2,068 annually)
- Cheapest minimum coverage: Auto-Owners ($668 annually) and USAA ($798 annually)
- Cheapest with a teen driver: Auto-Owners ($4,965 annually) and USAA ($5,324 annually)
- Cheapest with a speeding ticket: Auto-Owners ($2,029 annually) and State Farm ($2,115 annually)
- Cheapest with an at-fault accident: Country Financial ($2,206 annually) and Auto-Owners ($2,547 annually)
- Cheapest with a DUI: Country Financial ($2,580 annually) and Allstate ($2,674 annually)
- Cheapest for low credit: Country Financial ($2,295 annually) and GEICO ($2,755 annually)
Cheapest Car Insurance in Georgia for Full Coverage: Auto-Owners
Auto-Owners provides the best rates on full coverage auto insurance in Georgia, with an average annual premium of $1,930. That’s 28 percent lower than the state average of $2,684. USAA offers the second cheapest rates with an average premium only a bit higher ($2,068), but it’s only available to veterans, military members, and their families. Both companies’ rates are also lower than the national average.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Auto-Owners | $1,930 | $161 |
| USAA | $2,068 | $172 |
| Allstate | $2,693 | $224 |
| Progressive | $2,760 | $230 |
| Geico | $2,989 | $249 |
| State Farm | $3,828 | $319 |
| Georgia average | $2,684 | $224 |
| National average | $2,399 | $200 |
FYI:
If you lease or finance your vehicle, your lender will likely require you to carry full coverage and gap insurance. Learn more about how gap insurance works in Georgia.
Cheapest Car Insurance in Georgia for Minimum Coverage: Auto-Owners
Auto-Owners also offers the most affordable average premium for minimum coverage in Georgia at $668 annually — 37 percent below the statewide average. USAA once again comes in second at $798 annually. Nonmilitary drivers can also find competitive rates from GEICO and Progressive.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| Auto-Owners | $668 | $56 |
| USAA | $798 | $67 |
| GEICO | $901 | $75 |
| Progressive | $1,019 | $85 |
| State Farm | $1,407 | $117 |
| Allstate | $1,452 | $121 |
| Georgia average | $1,064 | $89 |
| National average | $635 | $53 |
Cheapest Car Insurance in Georgia for Teen Drivers: Auto-Owners
Households with teen drivers in Georgia should consider Auto-Owners for the cheapest rates — its average annual premium of $4,965 is around 16 percent lower than the statewide average. USAA also offers affordable rates for teens from military families who are eligible for membership. Teen auto insurance tends to be very expensive, but young drivers can save money by being added to an existing family policy.
| Provider | Annual With Teen Driver | Monthly With Teen Driver |
|---|---|---|
| Auto-Owners | $4,965 | $414 |
| USAA | $5,324 | $444 |
| GEICO | $7,452 | $621 |
| Allstate | $8,927 | $744 |
| State Farm | $10,318 | $860 |
| Progressive | $14,978 | $1,248 |
| Georgia average | $5,877 | $490 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Georgia With a Speeding Ticket: Auto-Owners
Auto-Owners has the cheapest average premium for drivers with a speeding ticket in Georgia at $2,026 annually, which is 27 percent below the statewide average. State Farm and Country Financial also offer affordable rates at $2,115 per year and $2,212 per year, respectively.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| Auto-Owners | $2,029 | $169 |
| State Farm | $2,115 | $176 |
| Country Financial | $2,212 | $184 |
| USAA | $2,313 | $193 |
| GEICO | $2,729 | $227 |
| Allstate | $2,770 | $231 |
| Progressive | $2,943 | $245 |
| Statewide average | $2,798 | $233 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Georgia With an At-Fault Accident: Country Financial
Country Financial is the cheapest auto insurance provider, on average, for Georgia drivers with an at-fault accident. Its average annual premium of $2,206 is 25 percent lower than the state average of $2,933. Auto-Owners also offers competitive rates.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| Country Financial | $2,206 | $184 |
| Auto-Owners | $2,547 | $212 |
| USAA | $2,832 | $236 |
| State Farm | $3,049 | $254 |
| Allstate | $3,562 | $297 |
| GEICO | $3,872 | $323 |
| Progressive | $4,087 | $341 |
| Statewide average | $2,933 | $244 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Georgia With a DUI: Country Financial
Country Financial also provides the cheapest auto insurance for Georgia drivers with a DUI on their record at $2,580 per year. This is significantly less than the state average of $3,640. Allstate and Progressive have below-average rates for high-risk drivers as well. In Georgia, drivers with a DUI pay around 36 percent more for car insurance than drivers with clean records.
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| Country Financial | $2,580 | $215 |
| Allstate | $2,674 | $223 |
| Progressive | $2,970 | $247 |
| Auto-Owners | $3,111 | $259 |
| USAA | $3,742 | $312 |
| State Farm | $3,745 | $312 |
| Mercury | $4,686 | $390 |
| GEICO | $5,522 | $460 |
| Statewide average | $3,640 | $303 |
| National average | $3,305 | $275 |
FYI:
If you have your license revoked due to an offense like a DUI or have multiple violations, you may be required to file an SR-22. This is a certificate that proves to the state that you carry at least the minimum required coverage and can result in a significant rate increase. Typically, you need to maintain an SR-22 for three years and, in some cases, up to five.
Cheapest Car Insurance in Georgia With Low Credit: Country Financial
Country Financial offers the cheapest rates for drivers with low credit in Georgia, with an average annual premium of $2,395. GEICO and USAA are also good options, with average premiums of $2,755 per year and $3,008 per year, respectively.
| Provider | Annual With Low Credit | Monthly With Low Credit |
|---|---|---|
| Country Financial | $2,395 | $200 |
| GEICO | $2,755 | $230 |
| USAA | $3,008 | $251 |
| Allstate | $3,881 | $323 |
| Auto-Owners | $3,893 | $324 |
| State Farm | $6,102 | $508 |
| Statewide average | $4,217 | $351 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in Georgia: State Farm
When it comes to car insurance, customer service is an important consideration alongside price. While State Farm tends to have higher-than-average rates in Georgia, it has better customer satisfaction ratings than most competitors, which may make the cost worthwhile. It’s always worth getting a quote because averages may differ greatly from what you’re quoted. USAA is also known for strong customer service but is only available to military members and families. Note that Country Financial is not rated in J.D. Power studies, but scores well on the CRASH Network Report Card.
| Provider | Southeast Customer Satisfaction (J.D. Power)2 | Claims Satisfaction (J.D. Power)3 | CRASH Network Insurer Report Card Grade4 |
|---|---|---|---|
| USAA | 759 | 726 | D+ |
| State Farm | 673 | 710 | C- |
| GEICO | 651 | 692 | C- |
| Auto-Owners | 650 | 692 | B |
| Travelers | 642 | 684 | C |
| Progressive | 637 | 672 | C |
| Allstate | 634 | 691 | D |
| Country Financial | N/A | N/A | B- |
| Average | 663 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Georgia
- Maintain a clean record: Having violations on your record will cause your insurance rates to increase, sometimes significantly. To make sure you’re getting the best possible rate, drive safely and do your best to avoid violations.
- Lower your limits: The more coverage you get and the higher your limits, the more expensive your premium will be. There’s a tradeoff here, because lower limits mean you could be on the hook for significant out-of-pocket expenses if you cause an accident and don’t have enough coverage to cover the damages. Additionally, maintaining higher limits signals a lower risk to insurance companies and could help keep your rates lower in the long run. However, if your immediate priority is a cheaper premium, lowering your coverage limits is one way to go.
- Take advantage of discounts: You may be eligible for a variety of discounts depending on your profile and what your insurer offers, so always make sure to check for all discounts that can be added to your policy. This could include a multicar discount, a good student discount for young drivers, a defensive driving discount, and more.
- Increase your deductibles: Another way to lower your rates is to increase your deductibles if you have comprehensive and/or collision coverage. Like lowering your limits, this opens you up to higher out-of-pocket expenses if you need to file a claim. If you can afford to pay the higher deductibles, however, it’s a good way to lower your premium and generally exposes you to less financial risk than lowering your limits.
Average Auto Insurance Cost in Georgia by City
The most expensive city for car insurance in Georgia, unsurprisingly, is Atlanta, with an average annual premium of $3,014, which is 12 percent higher than the state average. One of the most affordable major cities is the less-populated Augusta, which has an average annual rate of $2,305, below the state average.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Atlanta | $3,014 | $251 |
| Savannah | $2,525 | $210 |
| Macon | $2,518 | $210 |
| Columbus | $2,415 | $201 |
| Augusta | $2,305 | $192 |
| Georgia average | $2,684 | $224 |
Minimum Car Insurance Requirements in Georgia
Georgia drivers are required to carry at least the following minimum auto insurance, which includes bodily injury and property damage liability:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
Georgia’s minimum coverage limits are average compared to other states. While they provide a baseline level of coverage, we recommend increasing your limits and considering full coverage to limit your risk of having to pay significant out-of-pocket expenses if you’re in an at-fault accident. Given that Georgia has a high rate of uninsured drivers, it’s also wise to add uninsured motorist coverage to your policy.
Frequently Asked Questions
Who has the cheapest car insurance in Georgia?
Auto-Owners and USAA offer the cheapest auto insurance rates for Georgia drivers. The companies’ average rates are $1,930 annually and $2,068 annually, respectively, for full coverage and $668 annually and $798 annually for minimum coverage.
How much is the average car insurance a month in Georgia?
The statewide average for full coverage auto insurance in Georgia is $224 per month ($2,684 annually) while the average minimum coverage rate is $89 per month ($1,064 annually). Both rates are higher than the national average. However, drivers with clean records can likely find cheaper rates from companies like Auto-Owners ($161 per month on average).
What are the cheapest car insurance rates for drivers with prior incidents in Georgia?
The cheapest car insurance rates for drivers with prior incidents in Georgia will depend on the driver’s specific record, but here are the cheapest average rates for various driving incidents:
| Violation Type | Cheapest Company | Annual Average Rate | Monthly Average Rate |
|---|---|---|---|
| Speeding Ticket | Auto-Owners | $2,029 | $169 |
| At-Fault Accident | Country Financial | $2,206 | $184 |
| DUI | Country Financial | $2,580 | $215 |
| Clean Record & Good Credit | Auto-Owners | $1,930 | $161 |
What are the best discounts available for car insurance in Georgia?
The availability of discounts and the amount you can save will depend on each insurer as well as what you’re eligible for, but some of the best widely available discounts in Georgia include bundling discounts, good driver discounts, good student discounts, and multivehicle discounts.
Many insurers also have telematics programs that track your driving habits and provide discounts based on how safely you drive. These programs can offer significant discounts — sometimes up to 40 percent — so they are worth looking into if you generally drive safely. However, some of these programs can also raise rates for unsafe driving.
Methodology
We analyze average auto insurance premiums in Georgia for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, speeding tickets, and teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Facts + Statistics: Uninsured motorists. Insurance Information Institute. (2023).
https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/
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