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

In my analysis of the cheapest auto insurance companies in Georgia, the lowest price carriers are Auto-Owners, State Farm, and Country Financial.

For drivers from 25 to 55 years of age, each of the carriers are 14% to 21% lower than average for a driver with a decent 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 Financial. I queried each at $789, $792, and $799 per year. Which is approximately 18% lower than the median quotes for similar profile drivers in Georgia.

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

Each carrier is 12% to 19% lower than the median quote for drivers from 25 to 55 years of age with a decent driving record.

In this article I am going to cover the minimum auto insurance requirements for drivers in Georgia, least expensive insurers, and a few cost-saving strategies to help you save.

If you would like to skip to a certain portion of the article, please 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 the minimum coverage the insurer 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 I queried are more that 30% below the mean rate. The lowest quotes are with Auto-Owners, State Farm, and Country Financial. It is important to note that rates fluctuate a lot throughout the cities in Georgia. 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 lowest quotes are with Auto-Owners, State Farm, and Country Financial. I queried each at $922, $931, and $943 per year. Another competitive carrier is the The Hartford with a quote at $990. Any age driver in Georgia should get quotes from all carriers illustrated to find the most savings.

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’s insurance rates clustered at $900 per year. The best prices are with Auto-Owners, State Farm, and Country Financial. I queried each at $866, $889, and $899 per year. Or nearly 17% lower than the median quote for similar age drivers in Georgia.

Cheapest Car Insurance Companies by Age in Georgia

Out of the 22 carriers I 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.

Normally a 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 below $700 with any of the carriers illustrated. The least expensive are Auto-Owners, State Farm, and Country Financial. I queried each at $662, $678, and $687 per year for full coverage. Which is nearly 21% lower than the average premium for 55 y/o drivers in Georgia.

Comprehensive & Collision Coverage

Although the state of Georgia has 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 coverage is recommended no matter the value of the vehicle.

Best Insurance Companies by Rating and Complaints

Below I 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 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 in Georgia. 

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 Coverage

Comprehensive coverage is highly recommended in 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 coverage is recommended 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

I conducted an analysis 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.

For example, 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
Arlington$1,344Carnesville$1,399Griffin$1,388Monticello$1,212
Ashburn$1,387Cartersville$1,338Jasper$1,390Moultrie$1,276
Athens$1,432Cedartown$1,341Jefferson$1,438Newnan$1,488
Baxley$1,476Centerville$1,476Jonesboro$1,431Peachtree City$1,497
Blakely$1,321Conyers$1,471Lavonia$1,521Pembroke$1,512
Bremen$1,374Dalton$1,411Leesburg$1,462Poulan$1,250
Brunswick$1,348Danville$1,405McDonough$1,309Reidsville$1,355
Buchanan$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, Georgia is over $1,300 per year.

In my analysis I found the lowest quotes are from Auto-Owners, Country Financial and State Farm.

I queried each at $1,089, $1,124, and $1,167 per year for a 30 year old driver.

Which is 11% to 17% lower than the median quote for drivers in Albany. 

A 45 year old can find the lowest quotes with Auto-Owners, Country Financial, and State Farm.

I queried each at $765, $787, and $799 respectfully per year for full coverage.

Or over 16% lower than the average citywide rate for similar age drivers. 

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.

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 Financial, Auto-Owners, and State Farm.

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

Both GEICO and Progressive are 15% below the median rate of Atlanta with quotes at $1,287 and $1,243 respectfully for a 30 year old driver. 

Insurance rates fluctuate a lot in Atlanta so be sure to compare every couple of years after buying a policy. 

A 45 year old driver with a decent driving history should be able to find rates below $900 with Country Financial, State Farm, and Auto-Owners.

I queried each at $809, $832, and $837 respectfully per year for full coverage.

Which is 28% below the mean rate for 45 year old drivers in Atlanta. 

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

Atlanta is the most populated city in Georgia with nearly 500,000 residents and over 5.8 million people in the metropolitan area.

It’s name is derived from the feminine version of Atlantic from the railroad company. 

It is home to Hartsfield-Jackson International Airport which is the busiest in the world.

Today, Atlanta is considered a “beta” world city which exerts an impact on global commerce and finance. 

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 rates in the state.

With the insurers queried I found Auto-Owners, Progressive, and Country are 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.

For a 45 year old the best options are with Auto-Owners, Country Financial, and Progressive.

I queried each at $743, $745, and $765 per year for full coverage.

Which is over 21% lower than the median quote for similar age drivers in Augusta. 

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 the 3rd largest city in Georgia with nearly 200,000 residents. 

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 is Riverwalk Augusta – a riverfront park along and on top of the city’s levee.

Carrollton, GA

Cheapest auto insurance by carrier in Carrollton, GAThe cheapest insurance quotes in Carrollton are with Country Financial, Auto-Owners, and GEICO.

I queried each at $932, $943, and $975 per year for a 30 year old driver.

Which is 17% to 20% lower than the median quote for similar age drivers. 

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

A 45 year old can find the lowest rates with Country Financial, Auto-Owners, and Progressive.

I queried each at $803, $806, and $860 respectfully per year for full coverage.

Which is 19% to 22% lower than the citywide average premium for drivers in Carrollton, Georgia.

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

Carrollton was founded in 1826 and incorporated as city in 1829 with a few hundred residents.

The early days of Carrollton was more like a wild-west town with horse thieves, wild animals and wooden buildings.

Today, it boasts nearly 27,000 residents and a desired family-friendly city to reside in. 

Columbus, GA

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

I queried each at $960, $961, and $986 respectfully per year for a 30 year old driver.

Which is approximately 14% lower than the median quote for similar age drivers in Columbus. 

State Farm offers a competitive quote at $1,021.

Or over 11% lower than the average quote. 

A 45 yea old can find the least expensive rates with Country Financial, Auto-Owners, and Progressive.

I queried each at $813, $816, and $878 respectfully per year for full coverage.

Or nearly 17% to 21% lower than the citywide average premium in Columbus. 

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

Founded in 1828, Columbus is the 3rd largest city in Georgia with 195,000 residents.

It is known as “Fountain City” for the numerous fountains erected in the 20th century.

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

Decatur, GA

Decatur cheapest insurance quotes by price for all drivers.If you are in the market for the cheapest car insurance in Decatur, put Auto-Owners, Country Financial, and Progressive on your list of quotes.

I queried each at $899, $904, and $916 per year for a 30 year old driver.

Which is 16% lower than the median quote for similar age drivers in Decatur.

A 45 year old can find the lowest quotes with Auto-Owners, Country Financial, and Progressive.

I queried each at $793, $795, and $832 respectfully per year for full coverage.

State Farm and The Hartford offer substantially lower than average quotes with prices at $865 and $878 respectfully.

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.

Kennesaw, GA

Kennesaw lowest premium options by insurer for 30 to 45 y/o drivers.Drivers in Kennesaw can find low quotes with Country Financial, Auto-Owners, and Progressive.

I queried each at $1,087, $1,090, and $1,147 per year for a 30 year old driver.

Which is 11% to 16% lower than the average premium for similar age drivers in Kennesaw.

State Farm offers lower than average quotes with a price at $1,189 per year.

A 45 year old’s best options are with Country Financial, Auto-Owners, and Progressive.

I queried each at $867, $899, and $943 respectfully per year for full coverage.

Or 14% to 19% lower than the median quote for similar age drivers.

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

Kennesaw, Georgia was founded in 1887 with approximately 200 residents.

During the Civil War it was the staging ground for the Great Locomotive Chase.

Nationally, Kennesaw is best known for the city ordinance requiring mandatory gun possession for all households.

Today, Kennesaw has over 33,000 residents and known for one of the best places to raise a family. 

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, Georgia. 

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

I queried each at $1,054, $1,087, and $1,098 per year.

A 45 year old driver could find substantial savings with Auto-Owners, Progressive, and Country Financial.

I queried each at $867, $889, and $905 respectfully per year for full coverage.

Or over 24% lower than the median quote for similar age drivers in LaGrange. 

If you have a fairly clean driving history I 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

LaGrange, Georgia was settled in 1827 and incorporated as city in 1828 after negotiations with Creek Indians. 

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.

Today, there are over 30,000 residents which call LaGrange home.

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 Financial, Auto-Owners, and Progressive.

I queried each at $1,009, $1,021, and $1,045 per year for a 30 year old driver.

Which is approximately 19% lower than the average premium for similar age drivers in Macon.

State Farm offers competitive prices with a quote at $1,087. 

A 45 year old’s best options are with Country Financial, Auto-Owners, and Progressive.

I queried each at $854, $867, and $889 respectfully per year for full coverage.

Or over 16% lower than the median quote for similar age drivers.

Other carriers to put on your list of quotes are The Hartfold and MetLife.

Each queried at $932 and $976 respectfully.

Or nearly 10% lower than the “mean” quote for drivers in 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.”

Founded in 1823 with a couple thousand residents, today, it boasts more 152,000 people.

And nearly a quarter million in the metropolitan area.

Macon is the 4th largest city in Georgia. 

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.Marietta, Georgia has fairly low auto insurance rates on average.

If you want the least expensive coverage, get quotes from Auto-Owners, Country Financial, and Progressive.

I queried each at $980, $1,004, and $1,076 per year for a 30 year old driver.

Which is 19% to 23% lower than the median quote for drivers of a similar profile.

State Farm and The Hartford offer competitive prices with quotes at $1,143 and $1,187 respectfully. 

A 45 year old can find low quotes with Auto-Owners, Country Financial, and Progressive.

I queried each at $789, $798, and $856 respectfully per year for full coverage.

Which is 19% to 24% lower than the “mean” quote for similar age drivers. 

In fact, getting quotes from all carriers illustrated would be a smart move for any age 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, Georgia is one of the principal cities of the Atlanta metropolitan area with 56,000+ residents.

The city has beautiful museums and theaters on the Square.

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.

Georgia Resources & DMV Information
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
Sources

https://www.countryfinancial.com/

https://www.auto-owners.com/

https://www.thehartford.com/

https://www.iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/state-fact-sheets/georgia-firm-foundation

https://dor.georgia.gov/insurers-requirements

Greg Fowler

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 his Twitter or Facebook Profile.

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