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Cheapest Auto Insurance in Georgia & Minimum Coverage plus Average Rate by City

The cheapest auto insurance companies in Georgia are Auto-Owners, State Farm, and Country Financial.

For drivers from 25 to 55 years of age each of the carriers should be approximately 14% to 21% lower than average for a driver with a clean driving record.

Lowest cost insurance providers for a 45 year old driver.Note: For a 45 year old driver the lowest rates clustered at $800 with Auto-Owners, State Farm, and Country below the $800 mark making each of them your best option.

Other insurers which are very competitive are The Hartford, GEICO, and MetLife.

Each of them are 12% to 19% lower than the median quote for drivers from 25 to 55 years of age with a good driver record.

In this article we are going to cover the minimum auto insurance requirements for drivers in Georgia.

Then cover a few cost saving ideas to help you save.

If you would like to skip to a certain portion of the article use the table of contents down a little and to the right. 

Minimum Auto Insurance Coverage in Georgia

CoverageGeorgia Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000$25,000
Uninsured Motorist Coverage BIL*$25,000 / $50,000$25,000 / $50,000
Uninsured Motorist Coverage PD*$25,000$25,000
Comprehensive CoverageOptional$250 - $1,000 deductible
Collision CoverageOptional$250 - $1,000 deductible

*Uninsured Motorist (Bodily Injury & Property Damage) coverages can be rejected.

Bodily Injury Liability

Bodily injury liability covers the medical bills of the driver and passengers of the other vehicle.

If you get only the minimum needed coverage the insurance firm will pay up to $25,000 for a single person and up to $50,000 for all the passengers which are in a car accident.

Average car insurance rate for 25 year old driver in Georgia.Note: For a 25 year old driver the average rate is over $1,800 per year. The rates we queried are more that 30% below the mean rate. It is important to note that rates fluctuate a lot throughout the cities in Georgia. Your results will depend on the zip code your reside in. Please see table below.

Property Damage Liability

Property damage liability covers repairs to private and public property like stop signs or side rails, as well as the other party’s automobile.

Minimum coverage will make allowance for a maximum payout of $25,000 per accident.

Cheapest insurance rates for a 30 year old driver in Georgia.Note: For a 30 year old driver the cheapest rates are less than $1,000 per year. The average rate can vary wildly. For example, in Atlanta you will pay substantially more in car insurance than in Athens or Valdosta.

The minimum liability protection for the state of Georgia is set at 25/50/25 for bodily injury and property damage.

The numbers are always in the thousands.

Inexpensive insurance for 40 year old driverNote: For a 40 year old driver insurance rates clustered at $900 per year. This person had no driving violations, good credit, and clean driving history.

Cheapest Auto Insurance Companies by Age in Georgia

Out of the 22 carriers we queried for quotes in Georgia the three cheapest are Auto-Owners, State Farm, and Country Financial.

Depending on the zip code you reside in each of the three inexpensive carriers are 14% to 21% lower than the median for drivers of similar age and profile.

For drivers under 25 years of age typically the best options are with Progressive, State Farm, and GEICO.

Typically this lower rate from top carriers may come from discounts.

However, you want to be sure to get quotes from regional carriers such as Auto-Owners or Country Financial.

For older drivers your best option is with Country Financial and Auto-Owners.

Both carriers are able to provide quotes which are over 18% lower than the median quotes for drivers of similar profile.

For any age driver GEICO, The Hartford, and MetLife are extremely competitive with quotes 12% to 19% lower than the median rate.

Georgia CompanyAverage Annual Rate 25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
Auto-Owners$1,231$922$899$866$789$662
State Farm$1,244$931$911$889$792$678
Country$1,249$943$916$899$799$687
GEICO$1,287$987$932$900$811$688
The Hartford$1,311$990$944$911$817$701
MetLife $1,344$1,004$989$922$843$704
Progressive$1,389$1,032$1,002$927$845$705
Amica$1,390$1,049$1,002$931$849$709
Nationwide$1,412$1,111$1,009$965$883$709
Central Mutual$1,489$1,199$1,036$990$894$709
21st Century$1,589$1,211$1,038$998$902$710
Allstate$1,611$1,342$1,076$999$904$732
Esurance$1,754$1,376$1,087$1,001$903$768
Allied$1,823$1,451$1,099$1,002$906$786
Encompass$1,849$1,478$1,100$1,010$909$799
Victoria$1,890$1,521$1,110$1,013$908$800
Farmers$1,922$1,528$1,211$1,025$901$800
Safeco$2,009$1,565$1,343$1,072$903$803
Liberty Mutual$2,032$1,569$1,349$1,098$902$805
Ameriprise$2,234$1,611$1,388$1,099$910$809
Foremost$2,276$1,722$1,388$1,110$911$822
Travelers$2,687$2,007$1,487$1,267$989$867

Low-cost insurance provider list for a 55 year old driver in GA.Note: Most any 55 year old driver with a clean driving history should be able to get rates at $700 with any of the insurance carriers illustrated. Please realize rates will have a big variation city by city in the state of Georgia.

Comprehensive & Collision Coverage

Although the state of Georgia has state minimum coverage for vehicles, insurance brokers/agents recommend getting comprehensive, collision, and uninsured motorist protection for new vehicles.

For older vehicles some drivers can get by with the minimum coverage depending on the value, however, uninsured motorist cover is recommended no matter the value of the vehicle.

Best Rated Insurance Firms in Georgia by Rating and Complaints

Below we have compiled a list of the best rated carriers by consumer rating and complaints.

Include is the amount of written premiums.

The reason is to compare the amount of complaints against the amount of written premiums.

If there is an insurer with a high amount of complaints but low amount of written premiums this is should raise a flag.

This is not the case for any of the carriers listed below.

All of the carriers have an excellent rating from AM Best.

All of them have the financial wherewithal to pay a large claim.

Again, the carriers which have the best overall rating for drivers in Georgia are Auto-Owners, Country Financial, and State Farm.

Which doesn’t mean you may get the lowest price in this instance, but superior service most likely.

GEICO, The Hartford, MetLife, and Progressive are next on the list of good companies to get a policy from.

Georgia CompanyTotal Premiums Avg Rating out of 5 StarsAM Best# of Complaints
Auto-Owners$111,585,179 4.7A++ 7
State Farm$186,602,8314.5A++ 5
Country$28,767,8454.1A+1
GEICO$454,237,7844.6A++ 27
The Hartford$234,415,619 4.2A+1
MetLife $104,777,4554.4A+18
Progressive$240,385,7704.5A+18
MetLife$24,459,0184.1A+1
Amica$100,860,2114.5A+8
Nationwide$145,021,3074.5A+9
Central Mutual$47,923,184 4.0A-5
21st Century$44,653,4694.4A+3
Allstate$301,638,6734.6A+19
Esurance$33,633,8074.3A+4
Allied$14,181,9734.4A+2
Encompass$45,255,5983.9A+2
Victoria$22,906,9464.2A+4
Farmers$15,661,7224.1A5
Safeco$130,270,6624.0A18
Liberty Mutual$207,051,836 3.9A22
Ameriprise$12,120,650 4.0A4
Travelers$184,353,8354.2A++15
Foremost$14,587,1794.1A9

Gap Coverage

If you have a loan on your vehicle it is recommended to get Gap coverage.

Gap coverage is going to cover the cost of the “cash-value” of the car and what you have left on the “loan-value” or what you have left over (the gap) to pay to the bank.

For example if you have a 20,000 dollar loan on a vehicle and the vehicle’s value is 17,500 dollars, Gap would cover the 2,500 dollar gap or the other portion you owe to the bank.

Newer Model Vehicles & Comprehensive Insurance

Comprehensive cover is highly recommended in the state of Georgia for vehicles that are no older than five years old.

Depending on your location, driver history, and the value of the vehicle there can be instances to have comprehensive on the policy if your car is seven or more years old.

Collision cover is recommended in the state of Georgia for vehicles which are no more than five years old and vehicles which have low mileage, high cash value that are older than five years.

Average Premium by City

We conducted a study of 44 cities in Georgia with the average premium for drivers.

This is the median rate for drivers of all ages.

If your premium is much higher then the quotes listed below you may have to take your age into consideration.

A 20 year old driver is going to have substantially higher quotes.

The average premium ranges from $1,100 to over $1,500 depending on the city your reside in.

One the primary factors is location when carriers determine your rate.

If you would like a detailed comparison of quotes for each of the more populous cities in Georgia please read further below.

CityAverage PremiumCityAverage PremiumCityAverage PremiumCityAverage Insurance Rate
Acworth$1,189Calhoun$1,388Forest Park$1,521Milledgeville$1,301
Adairsville$1,309Canton$1,392Gainesville$1,437Monroe$1,199
Alpharetta$1,344Carnesville$1,399Griffin$1,388Monticello$1,212
Arlington$1,387Cartersville$1,338Jasper$1,390Moultrie$1,276
Austell$1,432Cedartown$1,341Jefferson$1,438Newnan$1,488
Athens$1,476Centerville$1,476Jonesboro$1,431Peachtree City$1,497
Baxley$1,321Conyers$1,471Kathleen$1,521Pembroke$1,512
Blakely$1,374Dalton$1,411Lavonia$1,462Poulan$1,250
Bremen$1,348Danville$1,405McDonough$1,309Reidsville$1,355
Brunswick$1,408Douglasville$1,482Meigs$1,311Reynolds$1,413
Buford$1,402Dunwoody$1,503McRae$1,506Savannah $1,511

Albany, GA

Albany cheapest premiums by price for drivers.The average insurance rate for residents of Albany is over $1,300 per year. In our study we found the lowest quotes are from Auto-Owners, Country and State Farm.

The average rate is about $1,100 per year which is about 18% lower than the average driver in Albany.

Getting insurance quotes from any illustrated company is highly recommended for low rates and optimum coverage.

Albany Company30 Y/O Driver45 Y/O Driver
Auto-Owners$1,089$765
Country$1,124$787
State Farm$1,167$799
GEICO$1,224$811
The Hartford$1,249$817
MetLife $1,308$843
Progressive$1,365$845

Albany has population of nearly 80,000 residents making it the 8th most populated city in the state of Georgia.

Albany is situated along the banks of the Flint River with stunning panoramic views of pecan groves, farms and quaint southern charm.

Albany has numerous activities and museums such as Thronateeska Heritage Center, Symphony Orchestra, Ballet Theater, and the Albany Civic Center.

It is also the birthplace of Ray Charles.

Atlanta, GA

Atlanta least expensive policy by price for 30 to 45 y/o drivers.Finding cheap car insurance in Atlanta is found with Country, Auto-Owners, and State Farm.

All three are 21% below the average median rate of $1,500 per year.

GEICO and Progressive and 15% per below the median rate of Atlanta.

Insurance rates fluctuate a lot in Atlanta so be sure to compare often.

A 45 year old driver with a clean driving history should be able to find rates below $900. This is 28% below the mean rate.

Atlanta Company30 Y/O Driver45 Y/O Driver
Country$1,092$809
Auto-Owners$1,121$837
State Farm$1,167$832
Progressive$1,243$850
GEICO$1,287$866
The Hartford$1,290$923
MetLife $1,321$943

Cool Facts about Atlanta

  • Hartsfield-Jackson International Airport is the busiest in the world.
  • Atlanta has become the fifth city to be the capital of the state of Georgia.
  • Ranked as the seventh most visited city in the United States.
  • Atlanta is one of the greenest cities in US with the largest suburban office park in the world called the Perimeter Center.

Augusta, GA

Augusta cheapest premium choices by price for drivers.Despite being one of the largest cities in Georgia, Augusta has some of the lowest car insurance in the state.

With the insurers we queried we found that Auto-Owners, Progressive, and Country were the cheapest.

With rates between $876 and $987 this is more than 20% below the average rate.

State Farm and GEICO were more than 15% below the mean rate of Augusta.

Some of the more expensive insurance carriers are charging more than $1,400 per year for a 30 year old driver.

Augusta Company30 Y/O Driver45 Y/O Driver
Auto-Owners$876$743
Progressive$943$745
Country$987$765
State Farm$1,006$789
GEICO$1,054$800
The Hartford$1,098$799
MetLife $1,123$800

Augusta is best known for its role in hosting the Masters golf tournament.

It has become of hub for medicine and manufacturing, with companies like International Paper and Kellogg’s with offices in Augusta.

One of the most beautiful sites of is Riverwalk Augusta – riverfront park along and on top of the city’s levee.

Bainbridge, GA

Bainbridge, GA low-cost policy quotes for 30 to 55 y/o drivers.The lowest car insurance quote we queried was Auto-Owners for a 30 and 45 year old driver.

Country was 26 dollars more than Auto-Owners and Progressive was $32 more than Country.

With an average cheap rate of $980 per year. Which is more than 28% lower than the mean rate of $1,400 in the city of Bainbridge.

Bainbridge Company30 Y/O Driver45 Y/O Driver
Auto-Owners$960$801
Country$986$793
Progressive$1,008$799
State Farm$1,032$832
GEICO$1,054$848
The Hartford$1,065$882
MetLife $1,098$890

Bainbridge has a population of approximately 13,000 residents. It is nestled between Tallahassee, FL and Dothan, AL.

The gorgeous historic district encompasses most of downtown Bainbridge with surrounding streets of houses with southern charm.

In Bainbridge there are numerous hiking and nature trails for outdoor enthusiasts.

Carrollton, GA

Cheapest auto insurance by carrier in Carrollton, GAThe cheapest insurance quotes we found are from Country, Auto-Owners, and GEICO.

Which is more than 20% lower than the mean rate of $1,400 per year.

State Farm and Progressive clustered near $1,000 for a auto premium which is more than 15% lower than the mean.

A driver of any age should compare all of the companies illustrated to get the lowest rates for long term savings.

Carrollton Company30 Y/O Driver45 Y/O Driver
Country$932$803
Auto-Owners$943$806
GEICO$975$832
Progressive$1,001$860
State Farm$1,044$869
The Hartford$1,048$903
MetLife $1,067$904

Interesting Facts about Carrollton

  • Carroll County was founded in 1826, exactly 50 year after the founding of the United States in 1776.
  • “Carrollton” was named for the estate home of Charles Carroll of Carrollton, Last Living Signer of the
    Declaration of Independence.
  • Early Carrollton was kind of a wild west-like town with horse thieves, wild animals, and wooden buildings.
  • Carrollton once had three silent movie theaters on the square, The Vaudette, The Bonita, and the Stand.

Columbus, GA

Columbus, GA inexpensive premium choices for 25 to 45 y/o drivers.Finding inexpensive auto premiums are with Country, GEICO, and Auto-Owners.

Each of these gave us a quote of $960 or thereabouts.

Progressive and State Farm are just a little higher with $986 and $1,021 respectfully.

The average “mean”  insurance rate for drivers in Columbus is more than $1,400 per year.

Getting a premium with our top three would save you nearly 40% on your monthly premium.

Columbus Company30 Y/O Driver45 Y/O Driver
Country$960$813
Auto-Owners$961$816
GEICO$963$822
Progressive$986$878
State Farm$1,021$880
The Hartford$1,038$902
MetLife $1,090$910

Columbus is known as the Fountain City for the numerous fountains erected in the 20th century.

Columbus is also the birthplace of Coca Cola and the home of Columbus State University.

Fort Benning, a U.S. Army training facility and the region’s principal employer, is located in Columbus.

Some of biggest employers in Columbus are Blue Cross/Blue Shield and TSYS or Total System Services.

Decatur, GA

Decatur cheapest insurance quotes by price for all drivers.Our three cheapest insurance providers hovered at $900 per year for a 30 year old driver.

And less than $800 per year for a 45 year old driver.

Auto-Owners, Country, and Progressive were the three cheapest while GEICO and State Farm offered substantially lower rates of the average of $1,400 per year.

Decatur Company30 Y/O Driver45 Y/O Driver
Auto-Owners$899$793
Country$904$795
Progressive$916$832
GEICO$987$843
State Farm$1,028$865
The Hartford$1,043$878
MetLife $1,067$909

Decatur is a small city located 5 miles northeast of Atlanta.

While Atlanta became Georgia’s largest and most important cities, Decatur retained its small town roots.

With a population under 20,000, and its business district located near Atlanta neighborhoods, Decatur has succeeded in combining small town living with a big city feel of Atlanta.

With quaint coffee shops, stores, and scenic historic district, Decatur attracts thousands of visitors each year.

Kennesaw, GA

Kennesaw lowest premium options by insurer for 30 to 45 y/o drivers.Kennesaw has insurance rates which are slightly higher than the state average.

The other cities which are higher are Atlanta and Dunwoody.

We queried for auto insurance quotes and found Country, Auto-Owners, and GEICO to be the lowest for a 30 and 45 year old driver.

A family of four would find substantial savings by comparing all the providers illustrated in the table and graph.

Kennesaw Company30 Y/O Driver45 Y/O Driver
Country$1,087$867
Auto-Owners$1,090$899
GEICO$1,123$904
Progressive$1,147$943
State Farm$1,189$965
MetLife $1,265$987
The Hartford$1,289$1,005

Interesting Facts about Kennesaw

  • Kennesaw is well known for the ordinance that states that gun possession is mandatory for all households
  • Was named as one of the ten best towns for families in the Family Circle magazine in 2007
  • The very name of the city, Kennesaw, is directly taken from the Cherokee word of gah nee Sah, which refers to a burial ground.
  • In the state of Georgia, Kennesaw ranks as the #1 most energetic city and #3 for best cities for teleworking.

LaGrange, GA

LaGrange, GA cheapest premiums by carrier.The average insurance rate for a 30 year old driver is more than $1,500 per year in LaGrange.

We found rates nearly 33% lower with Progressive, Auto-Owners, and Country.

A 45 year old driver could find substantial savings with the same carriers.

If you have a fairly clean driving history we suggest to compare quotes with all of the carriers illustrated for maximum savings.

LaGrange Company30 Y/O Driver45 Y/O Driver
Auto-Owners$1,054$867
Progressive$1,087$889
Country$1,098$905
GEICO$1,121$914
State Farm$1,154$956
MetLife $1,189$982
The Hartford$1,237$1,007

There are awesome parks and numerous outdoor activities in LaGrange.

Considered a suburb of Columbus, anyone can spend leisure hours at Granger Park, Broad Street Historic District, and Ogletree Park.

Outdoor enthusiasts enjoy fishing, boating and other water sports on West Point Lake.

Lawrenceville, GA

Lawrenceville cheapest premiums by price for 30 to 45 y/o drivers.The average “mean” rate for residents of Lawrenceville is nearly $1,500 per year.

With Country or GEICO you could find more than 30% in savings.

Progressive, State Farm, and Auto-Owners the rates clustered at a tad over $1,000 year pear.

A 45 year old driver with a good driving history should be able to find rates near $900.

Our illustration is for each driver driving a 2014 Toyota Camry.

Lawrenceville Company30 Y/O Driver45 Y/O Driver
Country$976$834
GEICO$990$856
Auto-Owners$1,021$867
Progressive$1,045$889
State Farm$1,101$907
The Hartford$1,165$965
MetLife $1,187$989

Lawrenceville is the second oldest city in the Atlanta Metropolitan Area.

There are plenty of outdoor and cultural activities to enjoy in Lawrenceville, such as the Collins Hill Aquatic Center, Vines Botanical Gardens, Zoo Atlanta Playspace, and really cool Stone Mountain Park.

Macon, GA

Macon, GA cheapest premium choices for 30 and 45 year old driver.Macon residents can find cheap car insurance by getting quotes from Country and Auto-Owners which offered us quotes for $1,009 and $1,021 respectfully.

GEICO, Progressive, and State Farm hovered at $1,050 to $1,087.

Out of two sample drivers we found savings of 26% less than the average rate of Macon.

Macon Company30 Y/O Driver45 Y/O Driver
Country$1,009$854
Auto-Owners$1,021$867
GEICO$1,043$887
Progressive$1,045$889
State Farm$1,087$909
The Hartford$1,105$932
MetLife $1,165$976

The residents sometimes call Macon the “Cherry blossom capital of the world.”

The International Cherry Blossom Festival is a major event, featuring music, parades, numerous markets and dancing.

Macon has been influenced by musicians with noteworthy ones such as the Alman Brothers and Little Richard.

Marietta, GA

Marietta, GA low-cost illustration of insurance providers.For its location Marietta has fairly low auto insurance on average. The mean rate is under $1,400 per year.

With Auto-Owners we found rates less than $1,000 per year.

The rest of the carriers illustrated cluster at $1,000 while State Farm offered rates over $1,100  for a 30 year old driver.

Marietta Company30 Y/O Driver45 Y/O Driver
Auto-Owners$980$789
Country$1,004$798
GEICO$1,032$832
Progressive$1,076$856
State Farm$1,143$887
The Hartford$1,187$905
MetLife $1,287$987

Marietta has beautiful museums and theaters on the Square.

Probably one of the most notable is how the Kennesaw House was used as General Sherman’s headquarters during his March to the Sea.

Marietta has beautiful landscapes and southern charm which attracts numerous visitors each year.

Two famous things to do in Marietta are the Museum of History and Kennesaw Mountain National Battlefield Park.

Rome, GA

Rome, GA lowest premium prices for 30 to 55 y/o drivers.The cheapest insurance providers we queried clustered between $1,000 to $1,100 per year.

Which is 14% lower than the median rate of $1,350 per year for a 30 year old driver.

No matter your age, if you are looking to save then compare all of the companies illustrated in the table or graph.

Rome Company30 Y/O Driver45 Y/O Driver
Auto-Owners$1,007$809
Progressive$1,027$832
Country$1,052$831
GEICO$1,088$865
State Farm$1,109$887
The Hartford$1,176$905
MetLife $1,204$969

Rome, Georgia has developed on seven hills with the rivers running between them, a feature that inspired the early European-American settlers to name it for Rome, the capital of Italy.

Two neat attractions are the Rome Area Museum and the Clock Tower Museum.

Insurance Resources & DMV Information in GA

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
2 M.L.K. Jr Dr SE #716, Atlanta, GA 30334
(404) 656-2070
600 Peachtree St NW, Atlanta, GA 30308
(404) 631-1990
4125 Welcome All Rd, Atlanta, GA 30349
(855) 406-5221
WebsiteWebsiteWebsite
Final Thoughts

The comparison system is going to find rates from top insurance companies in your area and best of all it takes about a minute with no obligation whatsoever.

If you want to compare quotes without a broker; you can do that. If you want to compare and talk to a broker you can do that too.

Autoinsuresavings wants you to find the lowest car insurance quotes with the same amount (or more) cover to save hundreds or even thousands of dollars over the next few years.

Greg Fowler
Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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