Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 24, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Compare RatesStart Now → team of agents reviewed the top car insurance companies in Georgia and found Auto-Owners ($450 per year) has the best rates for a minimum coverage policy. Georgia Farm Bureau ($1,298 per year) has the cheapest rates for full coverage.

Georgia Affordable Car Insurance Rates

According to the Insurance Information Institute (, the cost of insurance varies from one company to the next in Georgia, which is why shopping around and comparing rates from several providers is a smart thing to do.

Cheapest Car Insurance in Georgia - Quick Hits
AutoInsureSavings.orgThe cheapest Georgia car insurance options are:

For minimum coverage: Auto-Owners
For full coverage: Georgia Farm Bureau
After an at-fault accident: Georgia Farm Bureau
After a speeding ticket: Georgia Farm Bureau
After a DUI: Auto-Owners
For poor credit history: GEICO
For young drivers: Georgia Farm Bureau
For young drivers with one accident: Auto-Owners
For young drivers with speeding violation: Georgia Farm Bureau
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To help Georgia drivers find the best auto insurance provider at the right price, we have put together this useful guide. Equipping yourself with the right facts can help you make auto insurance decisions with confidence.

Advertiser Disclosure: Some of the offers within the content are from companies where may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
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Cheapest Car Insurance for Minimum Liability Coverage

According to our comparison shopping study, the cheapest company for minimum liability auto insurance in Georgia is Auto-Owners.

Quotes from this insurance carrier are 41% less expensive than the average minimum coverage auto policy in the state and costs 16% less than the next cheapest minimum liability insurer.

CompanyAverage annual rate
Farm Bureau$424
State Farm$523
Country Financial$539
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USAA is for military members, their spouses, and direct family members.

In most states, drivers must have minimum coverage auto insurance to legally drive their cars on the road. That is true for drivers in Georgia.

A minimum coverage policy is the cheapest to buy, but without comprehensive and collision coverage for your vehicle. In an at-fault accident, you pay out of pocket for repairs when you have property damage to your car.

Who has the cheapest full coverage Georgia car insurance?

The best insurance company for full coverage auto insurance in Georgia from our research study is Georgia Farm Bureau. Their auto insurance quotes are 44% less expensive than the average rate of $2,170 in the state.

InsurerAnnual cost Monthly cost
Georgia Farm Bureau$1,298$108
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*To be eligible for insurance coverage through Georgia Farm Bureau, you have to be a member. Membership is open all and costs $35 annually. agents believe this is worth the cost since they have the best rates. You want to make sure to shop around before committing to a membership.

Our agents recommend a full coverage auto insurance policy. Full coverage policies often include collision and comprehensive coverage, which helps cover the cost of physical damage during a crash. They also help cover any damage done to your car outside of an accident.

Advertiser Disclosure: Some of the offers within the content are from companies where may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
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Who has the cheapest car insurance with a speeding ticket in Georgia?

For Georgia drivers who have a recent speeding ticket and want to save on car insurance coverage, consider Georgia Farm Bureau.

They provided our licensed agents the cheapest rate at $1,870 per year.

They only charge an additional $311 per year, which means Farm Bureau is the cheapest insurer for those with a speeding ticket.

Most drivers think that a single traffic violation will not cause their rates to go up. But depending on which insurance company you have a policy with, your rates could skyrocket with just a single traffic violation.

That is why it is essential to compare rates and discounts when researching potential new insurance providers.

Drivers in Georgia who have recently received a ticket can expect their rates to go up as much as $381 annually.

Cheapest Car Insurance for Drivers with an Accident

If you have a recent car accident in your driver history, our agents found the cheapest insurers for drivers with at-fault car accidents is Georgia Farm Bureau at $1,988 per year.

They charge 24% more than drivers with a clean driving record and are 39% less expensive than other auto insurers’ premiums.

InsurerAnnual cost Monthly cost
Georgia Farm Bureau$1,988$165
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Who has the cheapest car insurance for those with a DUI?

Our agents found Auto-Owners provided the best car insurance rates for drivers with a recent DUI on their driving record with a quote at $2,480 per year.

While it is over double for those with a clean record, Auto-Owners is 38% cheaper than the typical rates across other auto insurers.

InsurerAnnual cost Monthly cost
State Farm$3,190$265
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According to reports from the CDC, there were 3,241 fatalities in Georgia due to alcohol-related crashes between 2009 and 2018. Along with facing fines associated with prison time, license suspension, and court fees, drivers convicted of a DUI can also expect their insurance rates to go up by 65%.

Which company offers the cheapest insurance for those with poor credit?

GEICO provided our licensed agents the cheapest rate for drivers with bad credit at the cost of $1,514 per year, which is over $150 less expensive than the next cheapest insurer Georgia Farm Bureau, and $500 cheaper than State Farm.

InsurerAnnual cost Monthly cost
Farm Bureau$1,670$139
State Farm$2,017$168
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Credit scores are considered to be an essential factor for insurance companies when determining a driver’s premium. Insurance companies use credit reports to determine the driver’s ability to pay for their monthly premium. The average credit score for Georgia residents was 682. The higher a person’s credit score is, the lower their auto insurance rate will likely be.

Which company offers the cheapest insurance for young drivers?

During our study for young drivers, we found the Georgia Farm Bureau charges an affordable $4,230 annually for full coverage in Georgia or 45% cheaper than the state average of $7,612.

Farm Bureau’s young driver price for minimum coverage is $1,915 per year or 23% lower than the state average rate.

InsurerFull coverageMinimum coverage
Georgia Farm Bureau$4,230$1,915
State Farm$6,400$2,761
Liberty Mutual$9,112$2,540
Georgia average$7,612$2,478
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*Our agents recommend drivers under 18 to share a policy with their parents or another adult, which results in more affordable rates.

Since inexperienced drivers are often associated with crashes, most insurance companies charge higher rates to teenagers or young adults. Fortunately, many companies offer special discounts for Good Students who manage to keep their grades up, lowering their insurance rates.

The Teenage and Adult Driving Responsibility Act or TADRA was recently passed in Georgia due to many fatal crashes involving young adults. The program offers teen drivers a way to gain more experience driving under safe conditions and avoid high-risk traffic situations.

Advertiser Disclosure: Some of the offers within the content are from companies where may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
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Cheapest Car Insurance for Young Drivers an Accident

The cheapest option for young drivers in Georgia with an accident is Auto-Owners with an insurance quote of $4,550 annually.

That’s over 50% less expensive than the state average of $9,870 and 32% less than the second-best option State Farm at $7,135 per year.

InsurerAnnual costMonthly cost
State Farm$7,135$594
Georgia Farm Bureau$7,249$604
Georgia average$9,870$822
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Teen drivers already pay high rates, and a car accident will cause their already high rates to increase by 23%.

You may reduce what you spend on auto insurance by taking a defensive driving course, getting a good student discount, or a student-away-from-home discount for those in college or university.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

Georgia Farm Bureau provided us the least expensive auto insurance quotes for teenage drivers with a ticket with a typical price at $4,344 annually or a $362 monthly rate. That’s 50% cheaper than the Georgia average.

InsurerAnnual costMonthly cost
Georgia Farm Bureau$4,344$362
Georgia average$9,127$760
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The Best Auto Insurance Companies in Georgia

According to ValuePenguin’s customer service and claims satisfaction survey, USAA is the best car insurance company in Georgia. It was the only auto insurer in the state, with over 50% of current customers rating their customer service as excellent.

Group% of respondents extremely satisfied with claim% of respondents with excellent customer service
State Farm73%46%
Georgia Farm BureauNANA
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It can be challenging to determine which company is the best for auto insurance in Georgia, even with all the statistics. That is because there are so many factors to consider when choosing the right car insurance provider. And what makes a car insurance company the best does not always have to do with the premium price.

During our comparison study, we reviewed customer service information from the National Association of Insurance Commissioners (NAIC), JD Power, and AM Best to help you make the best coverage choices and which car insurers have the best service.

InsurerNAIC Complaint IndexJ.D. Power Claims SatisfactionAM Best Rating
State Farm0.66881A++
Liberty Mutual0.92870A
Georgia Farm Bureau1.19B+
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Along with finding an affordable insurance provider, you want to make sure to look at the company’s different coverage options and what money-saving discounts they offer their customers.

Alfa Insurance

Alfa Insurance was founded in 1946 and is a great overall option for drivers in Georgia. The insurance provider has maintained a solid financial strength rating of “A” from AM Best, and they offer their customers’ car insurance policies with plenty of money-saving discounts.


Allstate is one of the most recognized names in insurance. The company offers competitive rates for Georgia drivers. They make it easy and convenient for customers to file a claim or make payments using their website or mobile app.

Allstate is also known for offering various discounts that allow drivers to have much lower auto insurance rates, with an excellent Standard Poor’s (S&P) rating.

Advertiser Disclosure: Some of the offers within the content are from companies where may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
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Georgia Farm Bureau

Georgia Farm Bureau is ranked as one of the best for low rates and customer satisfaction. The company offers some of the best rates in the state and provides its customers with various discounts for Good Drivers, Good Students, and Bundling.

To qualify for a policy, drivers will need to have a Farm Bureau membership.


GEICO is ranked as one of the top five by J.D. Power for their customer satisfaction, and they are also one of the most affordable options for car insurance in the state. The company offers various discounts and additional insurance options for renters or homeowners.

GEICO is also top-rated for its financial strength, according to AM Best.

Minimum Auto Insurance Requirements in Georgia

Drivers in Georgia must have a minimum amount of liability car insurance to drive on the road. Georgia’s coverage limits are lower than other states, but our licensed insurance agents recommend higher liability limits. We suggest full coverage in Georgia for newer model vehicles by adding collision and comprehensive to your policy.

Here are the minimum limits in Georgia:

Minimum Liability Limits
Bodily injury liability per person: $25,000
Bodily injury liability per accident: $50,000
Property damage liability per accident: $25,000
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Average Car Insurance Cost in Georgia by City

The average cost to insure a motor vehicle in Georgia is $2,170 annually with a full-coverage policy based on auto insurance rates we collected for a 30-year-old driver.

Location is a factor insurers use to calculate your rate. The zip code you reside and where you park your car creates a variation in coverage rates.

Here is a comparison study of how much it costs to insure your car in Georgia in various cities with a full-coverage policy.

Cheapest Car Insurance in Atlanta, GA

In Atlanta, drivers can find the most affordable rates with Auto-Owners, who provided us a quote of $1,570 per year, which is 38% less expensive than the $2,489 average rate.

Atlanta CompanyAverage Premium
Farm Bureau$1,688
State Farm$1,932
Atlanta average$2,489
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Cheapest Car Insurance in Augusta, GA

Finding affordable coverage in Augusta is found with Georgia Farm Bureau, who provided us a $1,336 quote or a $111 monthly rate for full coverage. Farm Bureau’s quote is 33% cheaper than the citywide average of $1,983 per year.

Augusta CompanyAverage Premium
Georgia Farm Bureau$1,336
State Farm$1,783
Augusta average$1,983
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Cheapest Auto Insurance in Columbus, GA

Columbus drivers can find the best coverage with Auto-Owners, who provided our licensed agents a quote of $1,432 per year, which 29% less expensive than Columbus’s rate of $2,015.

Columbus CompanyAverage Premium
Farm Bureau$1,611
Country Financial$1,865
Columbus average$2,015
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Cheapest Auto Insurance in Macon, GA

With an average annual rate of $2,269 for Macon drivers, the least expensive coverage option is with Georgia Farm Bureau, which provided us a quote at $1,623 per year or 29% less than average.

Macon CompanyAverage Premium
Farm Bureau$1,623
State Farm$1,798
Country Financial$1,950
Macon average$2,269
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Cheapest Auto Insurance in Savannah, GA

Savannah residents’ best options for the most affordable insurance rates should compare quotes with Georgia Farm Bureau, Auto-Owners, and Alfa. All three insurers are 25% cheaper than average, with Farm Bureau offering the lowest premium at $1,599 annually.

Savannah, CompanyAverage Premium
Farm Bureau$1,599
Savannah, average$2,318
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Cheapest Auto Insurance in Athens, GA

Alfa Insurance is the most affordable coverage option for drivers in Athens, which offered us a quote at $1,329 or a $110 monthly rate for a full coverage policy. Alfa’s quote is 37% less expensive than the citywide average of $2,084 per year.

Athens CompanyAverage Premium
Country Financial$1,461
Athens average$2,084
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Average Insurance Cost for Less Populous Cities in Georgia

CityAnnual Premium CostCityAnnual Premium Cost
Abbeville $2,060 Lilburn$2,072
Acworth$2,163 Lincolnton $2,157
Adairsville$2,072 Lithonia$2,054
Adel $2,181Locust Grove$2,060
Alamo $1,837Loganville$2,163
Albany $2,054 Lookout Mountain$2,335
Alma $2,060 Louisville $1,875
Americus $2,198 Ludowici $2,054
Arcade$2,316 Lumber City$2,054
Arlington$2,387 Lumpkin $2,090
Ashburn $2,060 Lyons $2,198
Athens $2,084 McCaysville$2,157
Atlanta$2,489McDonough $2,060
Auburn$2,297 Macon $2,269
Augusta $1,983 McRae–Helena$2,258
Austell$2,157Madison $2,064
Avondale Estates$2,379Manchester$2,054
Bainbridge $2,258 Marietta $1,875
Baldwin$2,163 Marshallville$2,157
Barnesville $1,875Maysville$2,090
Baxley $2,258 Meigs$2,297
Berkeley Lake$2,387 Metter $2,090
Blackshear $2,064 Midway$2,163
Blakely $2,181Milan$2,258
Bloomingdale$2,090 Milledgeville$1,875
Blue Ridge $1,875Millen $2,379
Bogart$2,054 Milton$2,181
Boston$2,090 Monroe $1,875
Bowdon$2,241 Montezuma$2,054
Braselton$2,097 Monticello $2,378
Bremen$2,163 Morgan $2,090
Brookhaven$2,097 Morrow$2,064
Brooklet$2,157Moultrie $2,054
Broxton$2,064 Mount Vernon $2,163
Brunswick $2,097 Mount Zion$2,064
Buckhead$1,875Nashville $2,179
Buena Vista $2,064 Newnan $1,875
Buford$2,198 Nicholls$2,054
Butler $1,875Nicholson$2,097
Byron$2,054 Norcross$2,064
Cairo $2,297 Oakwood$2,097
Calhoun $2,068Ocilla $2,054
Camilla $2,097 Oglethorpe $2,072
Canton $2,072 Omega$2,068
Carrollton $2,043Oxford$2,072
Cartersville $2,154 Palmetto$2,157
Cedartown $2,068Peachtree City$2,241
Centerville$2,163 Peachtree Corners$2,043
Chamblee$2,097 Pearson $2,072
Chatsworth $2,157Pelham$1,921
Chattahoochee Hills$2,043Pembroke $2,179
Chickamauga$2,179 Perry $2,097
Clarkesville $1,921 Pine Mountain$2,179
Clarkston$2,378 Pooler$2,043
Claxton $2,068Porterdale$1,921
Clayton $2,369 Port Wentworth$2,068
Cleveland $2,043Powder Springs$2,198
Cochran $2,230Quitman $1,921
College Park$2,097 Reidsville $2,154
Colquitt $1,921 Remerton$2,019
Columbus $2,015Reynolds$2,016
Commerce$2,168 Richmond Hill$2,097
Conyers $2,016 Rincon$1,963
Cordele $2,154 Ringgold $2,168
Cornelia$1,963 Riverdale$2,043
Covington $2,019Roberta$1,963
Cumming $2,043Rochelle$2,016
Cusseta $2,241 Rockmart$2,068
Cuthbert $1,963 Rome $2,226
Dahlonega $2,168 Roswell$2,154
Dallas $2,335Royston$2,357
Dalton $2,357 St. Marys$2,016
Darien $2,068Sandersville $2,163
Davisboro$2,369 Sandy Springs$1,986
Dawson $2,288 Sardis$2,068
Decatur $1,986 Sasser$2,288
Demorest$2,226Savannah $2,318
Donalsonville $2,198 Senoia$2,097
Doraville$2,016 Shellman$2,344
Douglas $2,072 Smyrna$1,972
Douglasville $2,068Snellville$2,019
Dublin $2,344 Social Circle$1,986
Duluth$1,963 Soperton $1,972
Dunwoody$1,980South Fulton$2,068
East Dublin$2,344 Sparks$1,980
Eastman $1,969 Sparta $1,969
East Point$1,972Springfield $2,016
Eatonton $2,043Statesboro $1,969
Echols County$2,016 Statham$1,980
Edison$1,963 Stockbridge$2,043
Elberton $1,969 Stone Mountain$2,154
Ellaville $1,980Stonecrest$1,963
Ellijay $2,019Sugar Hill$1,980
Emerson$1,986 Summerville $2,016
Euharlee$2,016 Suwanee$2,012
Fairburn$2,163 Swainsboro $1,980
Fayetteville $1,963 Sylvania $1,969
Fitzgerald $1,980Sylvester $1,963
Flowery Branch$2,012Talbotton $2,016
Folkston $1,963 Tallapoosa$2,040
Forest Park$2,040 Talmo$1,963
Forsyth$1,969 Temple$1,980
Fort Gaines $2,198 Tennille$2,072
Fort Oglethorpe$2,043Thomaston $1,969
Fort Valley $1,980Thomasville $1,986
Gainesville $1,986 Thomson $2,043
Garden City$2,273 Thunderbolt$1,980
Glennville$2,097 Tifton $2,226
Grantville$2,012Toccoa $2,335
Gray $2,203 Toomsboro$2,040
Greensboro $1,986 Trenton $1,980
Griffin $2,072 Trion$2,203
Grovetown$2,040 Tunnel Hill$1,986
Hahira$1,980Twin City$2,097
Hampton$2,154 Tybee Island$1,986
Harlem$2,043Ty Ty$2,043
Hartwell $1,986 Unadilla$1,972
Hawkinsville $2,168 Union City$2,040
Hazlehurst $2,012Union Point$1,986
Hephzibah$2,258 Valdosta $1,980
Hinesville $2,040 Varnell$2,154
Hogansville$1,986 Vienna $2,344
Holly Springs$2,043Villa Rica$2,273
Homerville $1,972Wadley$2,040
Hoschton$1,980Walnut Grove$1,972
Ivey$1,978 Walthourville$1,986
Jackson $2,040 Warner Robins$1,978
Jasper $2,072 Warrenton $2,072
Jefferson$2,102 Washington $1,972
Jeffersonville $1,972Watkinsville $2,012
Jesup $2,043Waycross $2,043
Johns Creek$1,978 Waynesboro $1,972
Jonesboro$2,168 Webster County$2,040
Kennesaw$1,972West Point$2,102
Kingsland$2,040 Willacoochee$2,012
LaFayette $2,203 Winder $2,273
LaGrange $2,154 Winterville$2,040
Lake City$1,978 Woodbine $2,163
Lakeland $1,986 Woodbury$2,203
Lawrenceville $2,040 Wrens$1,978
Leesburg $2,163 Wrightsville $2,154
Lexington $1,978 Zebulon $2,072
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Frequently Asked Questions

Who has the cheapest car insurance in Georgia?

Based on our research, the average driver with no violations on their record who wants minimum coverage can get car insurance from Auto-Owners for as little as $450 per year. Therefore, based on that information, Auto-Owners could be the most affordable option for most Georgia drivers.

How do I save on car insurance in Georgia?

There are many ways to save on car insurance in Georgia. Most people can save because they are eligible for money-saving discounts. Drivers who have a good driving record typically enjoy lower car insurance rates than those who have a history of speeding tickets, accidents, or DUI citations.

Drivers in Georgia who don’t have a recent at-fault accident on their record can save as much as 37% on their insurance rates on average. That is significantly more than what drivers keep on a national average, which is 32%.

Here are some details on how safe drivers can save more on their auto insurance premiums:

Having no traffic tickets is known to save as much as 17.33% or $287 per year.

Having no accidents can save as much as 37.79% or $832 per month.

Drivers with good credit have been known to save as much as 44.28% or $1,088 per year.

How much is car insurance in Georgia per month?

On average, car insurance in Georgia costs around $114 monthly or $2,170 per year. Good drivers typically pay around $1,444 annually, while new student drivers pay $4,732, and high-risk drivers can expect to pay around $2,532 per year.

How much will my car insurance rise with a speeding ticket in Georgia?

When caught speeding in Georgia between 11 miles per hour and 16 miles per hour over the limit, you could expect a 17% increase. If you were driving 16 miles per hour to 29 miles per hour over the limit, you could expect a 27% increase. Speeding 30+ miles per hour over the limit will cause you to endure a 59% increase in your rates.

How much is full coverage car insurance in Georgia?

In Georgia, full coverage car insurance costs an average of $2,170 per year. The difference between the highest and most affordable quotes for the same driver averages around $1,000 in Georgia. Drivers can save hundreds of dollars on their insurance premium by comparing rates from some of the top companies using a comparison website such as

To learn more about the best car insurance options in Georgia, contact the experts at Our licensed professionals will be happy to answer any questions you have.

Methodology comparison shopping study used a full-coverage policy for a 30-year-old driving 2018 Honda Accord with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured motorist bodily injury & underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
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We used rates for drivers with an accident history, credit score, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary when you get quotes.


Georgia Governor’s Office of Highway Safety. “2019 Georgia Traffic Fatality Data.”
National Association of Insurance Commissioners. “2019 Market Share Reports.”
National Highway Traffic Safety Administration. “Traffic Safety Facts..”
Experian. “2019 Consumer Credit Review.”
Office of Commissioner of Insurance & Safety Fire. “Insurance Resources Auto

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.