Cheapest Car Insurance In Georgia (2024)
The cheapest car insurance in Georgia comes from Country Financial at $45 per month on average.
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Key Points
- Country Financial is the cheapest car insurance company in Georgia overall, with an average rate of $45 per month for minimum coverage and $182 per month for full coverage.
- Auto-Owners and Georgia Farm Bureau also offer affordable car insurance rates for many driver profiles.
- If you’re younger than 25 or have previous traffic violations, your car insurance rates will be higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
To save money on car insurance, Georgia drivers should compare different policy options and choose the one that offers the best coverage at the lowest price. Our reviews team has researched the best car insurance companies nationwide. We carefully analyzed the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this review, we will tell you the top ways to save money on insurance. We will also show you where you can find the least expensive car insurance in Georgia, customized to fit your driving profile.
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Cheap Car Insurance Georgia
Car insurance companies each have their own way of looking at driver profiles, so the provider that is cheapest for one driver may not be the cheapest for you. To give you an idea, here are some of the most affordable auto insurance companies in Georgia and their rates for different types of drivers.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | Country Financial | $45 | $545 |
| Full coverage | Georgia Farm Bureau | $157 | $1,880 |
| 16-year-olds | Country Financial | $154 | $1,842 |
| 45-year-olds | Country Financial | $33 | $393 |
| High-risk drivers | Country Financial | $69 | $828 |
| After a speeding ticket | Georgia Farm Bureau | $55 | $655 |
| After an accident | Country Financial | $67 | $798 |
| After a DUI | Country Financial | $78 | $934 |
| Poor credit drivers | Country Financial | $45 | $545 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Georgia?
In general, we discovered that Country Financial has the most affordable car insurance in Georgia for the majority of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Georgia.
These rates apply to drivers in Georgia with various ages, locations, and driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Georgia: Country Financial
Drivers looking for the most affordable coverage that just meets Georgia state minimum requirements may find it at Country Financial for about $45 per month or $545 per year on average.
| Cheapest Car Insurance in Georgia | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Country Financial | $45 | $545 |
| Auto-Owners | $46 | $548 |
| Georgia Farm Bureau | $55 | $655 |
| USAA | $65 | $779 |
| Allstate | $71 | $851 |
| GEICO | $74 | $883 |
| Progressive | $77 | $923 |
| Mercury | $88 | $1,055 |
| State Farm | $91 | $1,092 |
| Safeway | $120 | $1,435 |
Cheapest Full Coverage In Georgia: Georgia Farm Bureau
If you want the best coverage that is comprehensive and affordable, Georgia Farm Bureau is the number one choice. The provider offers full-coverage insurance for an average of $157 per month.
Full-coverage insurance policies in Georgia generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Georgia | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Georgia Farm Bureau | $157 | $1,880 |
| Auto-Owners | $159 | $1,903 |
| USAA | $179 | $2,147 |
| Country Financial | $182 | $2,188 |
| Allstate | $195 | $2,336 |
| GEICO | $205 | $2,465 |
| Progressive | $209 | $2,507 |
| Mercury | $210 | $2,519 |
| State Farm | $262 | $3,138 |
| Safeway | $304 | $3,653 |
Cheapest Car Insurance In Georgia: Age
Below, you’ll find average insurance costs for Georgia drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. Drivers aged 30 to 55 often receive the most affordable car insurance rates because they possess greater road experience. In addition, they have a lower likelihood of being involved in car accidents, as indicated by statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $364 | $937 |
| 25 | $81 | $229 |
| 35 | $65 | $184 |
| 45 | $62 | $174 |
| 55 | $58 | $161 |
Cheapest Georgia Car Insurance: Young Drivers
As mentioned, teenage drivers and early 20s typically pay the most expensive car insurance rates. That’s mostly because these drivers don’t have as much experience driving and are more likely to break traffic rules and get into car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Georgia Car Insurance For 16-Year-Olds: Country Financial
If you’re a teen driver or the parent of one, Country Financial may be your best bet for finding the most affordable car insurance in Georgia.
The company’s cheapest average rates for 16-year-old drivers are $154 per month or $1,842 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $385 per month or $4,619 per year from Auto-Owners.
| Cheapest Car Insurance in Georgia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Country Financial | $154 | $433 |
| Auto-Owners | $157 | $385 |
| Georgia Farm Bureau | $202 | $514 |
| USAA | $225 | $604 |
| GEICO | $275 | $759 |
| Allstate | $359 | $881 |
| State Farm | $388 | $928 |
| Progressive | $516 | $1,411 |
| Mercury | $641 | $1,726 |
| Safeway | $725 | $1,726 |
Cheapest Georgia Car Insurance For 25-Year-Olds: Country Financial
Car insurance costs decrease a lot for young drivers in their 20s compared to what teenagers pay. However, the rates can still be high for this age group depending on the insurance company you select.
Country Financial provides the cheapest car insurance costs on average at $52 per month or $626 per year for minimum coverage. Georgia Farm Bureau costs $166 per month or $1,991 per year for full coverage.
| Cheapest Car Insurance in Georgia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Country Financial | $154 | $433 |
| Auto-Owners | $157 | $385 |
| Georgia Farm Bureau | $202 | $514 |
| USAA | $225 | $604 |
| GEICO | $275 | $759 |
| Allstate | $359 | $881 |
| State Farm | $388 | $928 |
| Progressive | $516 | $1,411 |
| Mercury | $641 | $1,726 |
| Safeway | $725 | $1,726 |
Cheapest Georgia Car Insurance: Adult Drivers
People who are in their 40s typically have the lowest auto insurance rates. You can compare average auto insurance premiums of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Georgia Car Insurance For 35-Year-Olds: Auto-Owners
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from Auto-Owners. The company offers average minimum-coverage costs of $36 per month or $433 per year. For full coverage, Auto-Owners’s rates average $130 monthly or $1,562 annually.
| Cheapest Car Insurance in Georgia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Auto-Owners | $36 | $130 |
| Country Financial | $39 | $160 |
| Georgia Farm Bureau | $51 | $147 |
| USAA | $59 | $162 |
| GEICO | $65 | $191 |
| Progressive | $70 | $196 |
| Allstate | $70 | $184 |
| Mercury | $77 | $186 |
| State Farm | $81 | $230 |
| Safeway | $101 | $252 |
Cheapest Georgia Car Insurance For 45-Year-Olds: Country Financial
Forty-five-year-old drivers may find the most affordable minimum coverage from Country Financial, with average rates of $33 per month or $393 per year. The cheapest full coverage comes from Auto-Owners at $130 per month or $1,559 per year.
| Cheapest Car Insurance in Georgia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Country Financial | $33 | $140 |
| Auto-Owners | $36 | $130 |
| Georgia Farm Bureau | $51 | $143 |
| USAA | $56 | $151 |
| GEICO | $59 | $184 |
| Mercury | $67 | $169 |
| Progressive | $68 | $182 |
| Allstate | $70 | $184 |
| State Farm | $83 | $228 |
| Safeway | $92 | $228 |
Cheapest Georgia Car Insurance For 55-Year-Olds: Country Financial
Typically, people in their 50s can get the best car insurance rates in Georgia from Country Financial. The insurer’s average premiums are $30 monthly or $357 annually for minimum coverage. The cheapest full coverage option is from Auto-Owners, costing $130 monthly or $1,559 annually
| Cheapest Car Insurance in Georgia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Country Financial | $30 | $131 |
| Auto-Owners | $38 | $126 |
| GEICO | $45 | $134 |
| Georgia Farm Bureau | $49 | $133 |
| USAA | $54 | $142 |
| Mercury | $62 | $154 |
| Progressive | $65 | $159 |
| Allstate | $72 | $181 |
| State Farm | $80 | $216 |
| Safeway | $90 | $231 |
Cheapest Car Insurance In Georgia: High-Risk Drivers
Besides the kind of coverage and age, how safely you drive greatly affects the cost of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding citations, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are more likely to have accidents and break traffic laws have to pay more money for car insurance than the average driver because they have been caught breaking the law multiple times. On average, Georgia motorists who are deemed high-risk may find the most affordable rates from Country Financial for minimum coverage or Georgia Farm Bureau for full coverage.
| Cheapest Car Insurance in Georgia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Country Financial | $69 | $249 |
| Georgia Farm Bureau | $77 | $219 |
| Auto-Owners | $80 | $243 |
| Allstate | $93 | $256 |
| State Farm | $102 | $287 |
| USAA | $102 | $285 |
| Progressive | $116 | $314 |
| Mercury | $139 | $314 |
| GEICO | $141 | $369 |
| Safeway | $157 | $376 |
Cheapest Georgia Car Insurance For Drivers With A Speeding Ticket: Georgia Farm Bureau
Drivers with a speeding citation on their record can generally find the most affordable coverage from Georgia Farm Bureau, with average rates of $55 per month or $655 per year for minimum coverage and $157 per month or $1,880 per year for full coverage.
| Cheapest Car Insurance in Georgia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Georgia Farm Bureau | $55 | $157 |
| Country Financial | $63 | $238 |
| Auto-Owners | $64 | $204 |
| Allstate | $79 | $219 |
| USAA | $82 | $223 |
| GEICO | $84 | $231 |
| State Farm | $99 | $279 |
| Progressive | $102 | $285 |
| Mercury | $127 | $288 |
| Safeway | $131 | $316 |
Cheapest Georgia Car Insurance For Drivers With An At-Fault Accident: Country Financial
Getting into a car accident in Georgia could make your car insurance rates go up. Country Financial tends to offer the most affordable rates on average at about $67 per month or $798 per year for minimum coverage and $231 per month or $231 per year for full coverage.
| Cheapest Car Insurance in Georgia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Country Financial | $67 | $231 |
| Georgia Farm Bureau | $67 | $191 |
| Auto-Owners | $73 | $226 |
| USAA | $98 | $259 |
| Allstate | $108 | $291 |
| State Farm | $109 | $302 |
| GEICO | $123 | $332 |
| Progressive | $137 | $370 |
| Mercury | $167 | $380 |
| Safeway | $172 | $416 |
Cheapest Georgia Car Insurance For Drivers With A DUI: Country Financial
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Georgia from Country Financial for $78 per month or $934 per year on average. They also have rates of $279 monthly or $3,347 annually for full coverage.
| Cheapest Car Insurance in Georgia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Country Financial | $78 | $279 |
| Allstate | $93 | $258 |
| State Farm | $99 | $279 |
| Auto-Owners | $103 | $300 |
| Georgia Farm Bureau | $109 | $310 |
| Progressive | $110 | $287 |
| Mercury | $123 | $273 |
| USAA | $128 | $373 |
| Safeway | $167 | $396 |
| GEICO | $217 | $544 |
Cheapest Georgia Car Insurance For Drivers With Poor Credit: Country Financial
People who have bad credit pay more money for their car insurance. Those who don’t have the best credit history may want to check out Country Financial, which has an average minimum-coverage rate of $70 per month or $840 per year and an average full-coverage rate of $259 per month or $3,105 per year.
| Cheapest Car Insurance in Georgia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Country Financial | $70 | $259 |
| Georgia Farm Bureau | $86 | $314 |
| Allstate | $93 | $299 |
| GEICO | $101 | $278 |
| Progressive | $112 | $321 |
| USAA | $115 | $328 |
| Safeway | $120 | $304 |
| Mercury | $124 | $315 |
| Auto-Owners | $137 | $405 |
| State Farm | $365 | $1,011 |
Average Cost Of Car Insurance In 10 Georgia Cities
Another thing to consider about car insurance costs in Georgia is the location you live in. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are an increasing number of cars on the road.
- More car accidents happening at a greater frequency.
- More instances of breaking traffic rules
- More incidents of car theft and car vandalism
- Extreme weather conditions
Certain factors that increase the likelihood of risk tend to have a greater impact on people who own cars in big cities. That is why drivers in busy cities end up paying the highest average price for minimum car insurance coverage. On the other hand, drivers in rural areas, where there is less crime and a smaller population, are more inclined to receive more affordable rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Lawrenceville | $84 | $199 |
| Atlanta | $95 | $235 |
| Marietta | $78 | $185 |
| Roswell | $79 | $190 |
| Lithonia | $109 | $252 |
| Athens | $60 | $167 |
| Macon | $79 | $201 |
| Norcross | $85 | $204 |
| Valdosta | $51 | $142 |
| Albany | $57 | $166 |
Best Car Insurance Companies In Georgia
We have looked at more than 40 insurance companies in Georgia, considering their cost, coverage, service, and reliability. As a result, we have identified the top five insurers for residents in the state. Based on our research, we found Country Financial to be the best provider for most drivers in Georgia. Here are our ratings for our top picks.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #3 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #4 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #5 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Georgia
In Georgia, there are multiple ways to reduce the amount of money you have to pay for your car insurance. These include:
- Opting for minimum coverage: If you just get the minimum coverage that your state requires, you will be able to get the car insurance that costs the least amount of money.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting quotes from multiple companies can help you figure out which provider will give you the best deal.
Many insurance companies offer usage-based insurance programs, which are a great way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may receive a significant discount. However, certain programs might increase your rates if you engage in risky driving behaviors.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Georgia Require For Car Insurance?
Drivers in Georgia must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Georgia
When it comes to both minimum and full coverage, Country Financial is the best and cheapest car insurance company for most drivers in Georgia. While the above costs can give you an idea of what you’d pay for car insurance in Georgia, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and free online tools that give you price estimates, or you can directly contact an insurance agent or representative from the company. Once you have received car insurance quotes from at least three providers, compare them to find the one that suits you best.
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Best Cheap Car Insurance In Georgia: FAQ
Here are some frequently asked questions about car insurance in Georgia:
How much is car insurance per month in Georgia?
Is Georgia car insurance cheaper?
Georgia auto insurance is typically more expensive than the national average. Nationwide, the average cost of minimum-coverage insurance is $670 per year, while the average in Georgia is $877 per year. For full coverage, residents of Georgia pay about $2,474 per year on average, which is more than the national average of $2,216 per year.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.