The Cheapest Car Insurance in Georgia (2022)

The cheapest car insurance companies in Georgia: USAA, $99 a month; Georgia Farm Bureau, $106; and State Farm $113.

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USAA and Georgia Farm Bureau have the lowest rates for both minimum and full-coverage car insurance in Georgia, according to our research.

USAA has an average rate of $99 a month for minimum-coverage car insurance and $113 for full coverage. Georgia Farm Bureau offers minimum-coverage car insurance for $106 a month and full coverage for $117 a month.

In this article

Cheapest auto insurance in Georgia

USAA and Georgia Farm Bureau offer the cheapest auto insurance rates in Georgia for minimum and full coverage. However, USAA only sells car insurance to current and former military members and their families. If you are not a veteran or active-duty member of the Armed Forces, Georgia Farm Bureau is your best choice for cheap car insurance. Georgia drivers pay an average $141 a month for minimum car insurance.

Cheapest minimum-coverage auto insurance in Georgia

USAA has the cheapest minimum-coverage car insurance in Georgia at $99 a month, followed by Georgia Farm Bureau at $106 a month.

Company Annual Monthly
GA Farm Bureau $1,270 $106
State Farm $1,354 $113
Progressive $1,631 $136
Allstate $1,635 $136
Average $1,694 $141
GEICO $2,318 $193
Auto-Owners $2,454 $204
USAA $1,194 $99
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Georgia state law requires drivers to carry the following minimum liability insurance limits:

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $50,000
  • Property damage liability: $25,000

While these limits satisfy legal requirements to drive in Georgia, they by no means should be considered adequate. If you are involved in a major accident that results in a long hospital visit or court case, these limits can be reached quickly. Any costs over your policy limits will be paid out of your pocket.

To avoid this scenario, we recommend raising your car insurance limits to the following:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage liability: $100,000

Cheapest full-coverage car insurance in Georgia

USAA has the cheapest full-coverage auto insurance in Georgia, with an average rate of $113 a month. Georgia Farm Bureau is the second most affordable, at $117 a month.

Company Annual Monthly
GA Farm Bureau $1,409 $117
State Farm $1,549 $129
Allstate $1,850 $154
Average $1,947 $162
Progressive $1,971 $164
GEICO $2,712 $226
Auto-Owners $2,787 $232
USAA $1,354 $113
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance is a combination of liability, collision and comprehensive car insurance. While Georgia law doesn't require full coverage, your lender may require it if you finance your vehicle.

Car insurance for Georgia drivers with an accident history

If you have an accident on your driving record, Georgia Farm Bureau has the cheapest car insurance rate in Georgia, at $128 a month. State Farm comes in second, at $154 a month.

Company Annual Monthly
GA Farm Bureau $1,534 $128
State Farm $1,851 $154
Average $2,714 $226
Auto-Owners $2,787 $232
Allstate $2,902 $242
Progressive $3,526 $294
GEICO $4,373 $364
USAA $2,026 $169
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Auto insurance for drivers in Georgia with a DUI

Georgia drivers with a DUI can find the cheapest average car insurance rate from State Farm, at $142 a month. Allstate has the second-cheapest rate for drivers with a DUI, at $209 a month.

Company Annual Monthly
State Farm $1,700 $142
Allstate $2,506 $209
GA Farm Bureau $2,676 $223
Progressive $3,360 $280
Average $3,765 $314
Auto-Owners $5,671 $473
GEICO $7,744 $645
USAA $2,701 $225
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Higher rates are not the only consequence of getting a DUI. Georgia law requires you to file an SR-22 in order to prove you carry at least minimum liability car insurance coverage and reinstate your driver's license after a suspension. Getting an SR-22 is difficult, as car insurance providers tend to consider drivers with DUIs very high risk.

Auto insurance rates in Georgia after a speeding ticket

Georgia Farm Bureau has the cheapest average car insurance quote for drivers with a speeding ticket, at $128 a month. USAA is the second-cheapest carrier, with an average rate of $141 a month.

Company Annual Monthly
GA Farm Bureau $1,534 $128
State Farm $1,700 $142
Allstate $2,092 $174
Average $2,219 $185
Progressive $2,733 $228
Auto-Owners $2,787 $232
GEICO $3,001 $250
USAA $1,687 $141
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for young Georgia drivers

USAA and Georgia Farm Bureau have the cheapest rates for teen drivers for both minimum and full-coverage car insurance in Georgia. These two providers also have the lowest rates for teens with accidents or speeding tickets on their driving records.

Eighteen-year-olds in Georgia pay an average $467 a month for minimum-coverage car insurance.

Teens are the highest-risk demographic when it comes to car insurance due to their relative inexperience. This makes comparing quotes from multiple car insurance providers essential to get the best policy at the cheapest rate.

Get cheap car insurance at any age

Minimum-coverage auto insurance for Georgia teens

USAA has the cheapest average car insurance rate for 18-year-old drivers, at $230 a month. However, unless you serve in the military, or a family member does, you won't be able to buy car insurance from USAA. You could also look at Georgia Farm Bureau, which has the second-cheapest average rate of $326 a month. State Farm comes in third, at $345 a month.

Company Annual Monthly
GA Farm Bureau $3,913 $326
State Farm $4,145 $345
Allstate $5,298 $441
Average $5,604 $467
GEICO $5,734 $478
Auto-Owners $7,544 $629
Progressive $9,831 $819
USAA $2,763 $230
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance for teens

If you're an 18-year-old in Georgia, you will find the cheapest rate for full-coverage car insurance from USAA, at $265 a month. Auto-Owners has the second-lowest average rate, at $400 a month.

Company Annual Monthly
GA Farm Bureau $4,375 $365
State Farm $4,805 $400
Allstate $6,202 $517
Average $6,603 $550
GEICO $6,797 $566
Auto-Owners $8,726 $727
Progressive $12,132 $1,011
USAA $3,185 $265
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance for Georgia teens after an accident

If you're a Georgia teen with an accident on your driving record, the cheapest car insurance rate, if you're not in the military, is from Georgia Farm Bureau, at an average $400 a month. State Farm is the second-cheapest option, at $484 a month.

Company Annual Monthly
GA Farm Bureau $4,798 $400
State Farm $5,810 $484
Average $7,874 $656
Allstate $8,238 $687
Auto-Owners $8,726 $727
GEICO $9,165 $764
Progressive $14,582 $1,215
USAA $3,802 $317
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance for teens with a DUI

Georgia teens with DUIs who aren't affiliated with the military can find the most affordable car insurance from State Farm, which has an average rate of $442 a month. Georgia Farm Bureau is the next cheapest, at $718 a month.

Company Annual Monthly
State Farm $5,307 $442
GA Farm Bureau $8,613 $718
Allstate $9,017 $751
Average $10,875 $906
GEICO $13,160 $1,097
Progressive $16,036 $1,336
Auto-Owners $18,756 $1,563
USAA $5,236 $436
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance for teens with speeding tickets

Teen drivers in Georgia with speeding tickets pay the cheapest car insurance rate of $400 a month with Georgia Farm Bureau. State Farm has the second-most affordable average rate of $442 a month.

Company Annual Monthly
GA Farm Bureau $4,798 $400
State Farm $5,307 $442
Allstate $7,244 $604
Average $7,289 $607
GEICO $7,650 $638
Auto-Owners $8,726 $727
Progressive $13,623 $1,135
USAA $3,670 $306
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for Georgia seniors

If you're in the military or a veteran, seniors pay the cheapest car insurance rates in Georgia with USAA. If you're not associated with the military, Georgia Farm Bureau is your best choice for the cheapest minimum or full-coverage car insurance.

Senior's car insurance rates may be higher due to the reduced reaction time that can occur with aging. A 60-year-old driver in Georgia pays an average $122 a month for minimum-coverage car insurance.

Minimum-coverage car insurance for Georgia seniors

If you're a senior driver looking for the cheapest minimum-coverage car insurance in Georgia, Georgia Farm Bureau has the most affordable rate of $103 a month. State Farm is right behind it, at $105 a month.

Company Annual Monthly
GA Farm Bureau $1,230 $103
State Farm $1,266 $105
Progressive $1,391 $116
Average $1,467 $122
GEICO $1,562 $130
Allstate $1,639 $137
Auto-Owners $2,100 $175
USAA $1,081 $90
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance for seniors in Georgia

Georgia Farm Bureau has the cheapest full-coverage car insurance for senior drivers in Georgia, with an average rate of $114 a month. State Farm has the second-lowest rate, $121 a month.

Company Annual Monthly
GA Farm Bureau $1,365 $114
State Farm $1,453 $121
Average $1,688 $141
Progressive $1,698 $142
GEICO $1,818 $151
Allstate $1,869 $156
Auto-Owners $2,386 $199
USAA $1,228 $102
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance for Georgia seniors with an accident record

Senior drivers in Georgia with a history of accidents get the cheapest car insurance from Georgia Farm Bureau, which has an average rate of $124 a month. State Farm has the second-lowest rate of $145 a month.

Company Annual Monthly
GA Farm Bureau $1,487 $124
State Farm $1,738 $145
Auto-Owners $2,386 $199
Average $2,477 $206
Allstate $2,962 $247
Progressive $3,319 $277
GEICO $3,411 $284
USAA $2,035 $170
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance rates for seniors with a DUI

State Farm has the cheapest car insurance for Georgia seniors with a DUI thanks to its average rate of $133 a month. USAA has the second-lowest rate of $202, and Allstate comes in third, at $212 a month.

Company Annual Monthly
State Farm $1,595 $133
Allstate $2,545 $212
GA Farm Bureau $2,592 $216
Progressive $3,021 $252
Average $3,368 $281
Auto-Owners $4,820 $402
GEICO $6,581 $548
USAA $2,425 $202
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Auto insurance for senior drivers with a speeding ticket

Sixty-year-old drivers in Georgia with a speeding ticket pay the cheapest average car insurance rate of $124 a month with Georgia Farm Bureau. USAA has the second-lowest average rate of $127 a month, and State Farm is third, with an average rate of $133 a month.

Company Annual Monthly
GA Farm Bureau $1,487 $124
State Farm $1,595 $133
Average $1,948 $162
GEICO $2,046 $170
Allstate $2,118 $177
Auto-Owners $2,386 $199
Progressive $2,480 $207
USAA $1,526 $127
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare quotes from top car insurance companies

Georgia car insurance rates by city

The majority of cities in Georgia have car insurance rates below the state average of $141 a month. Athens has the lowest average rate of $119 a month. Augusta has the second cheapest, at $122 a month, and Warner Robins is right behind it with an average rate of $123 a month.

Coverage Annual rate
Athens $1425
Atlanta $1919
Augusta $1,462
Columbus $1,520
Johns Creek $1,755
Macon $1,608
Roswell $1,652
Sandy Springs $1,669
Savannah $1,575
Warner Robins $1,479
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Frequently asked questions

Does my credit score affect my car insurance rate?

If you have bad credit, it may result in higher car insurance premiums. Many states allow insurance providers to use credit scores to calculate auto insurance quotes. Insurers correlate lower credit scores with a higher risk of filing a claim, compared to policyholders who have higher credit scores.

While a few states limit or prohibit the use of credit scores to calculate car insurance rates, Georgia is not one of them.

Other factors that may affect your car insurance quote include:

  • The make and model of your car
  • Your ZIP code
  • Your driving history
  • Your insurance claim history

What if I can't find car insurance in Georgia?

If you are a high-risk driver in Georgia and cannot find auto insurance through the voluntary market, the Georgia Automobile Insurance Plan (GAAIP) may be able to help you. The GAAIP provides high-risk auto insurance to those eligible for the plan who cannot get a policy through the voluntary market.

You can get a policy from the GAAIP through any insurance agent with a valid property and casualty license in Georgia. To qualify, you need to show the agent that you've made an effort to get auto insurance from at least two insurers in the past 60 days and have been rejected by all of them. Keep in mind that GAAIP rates can be expensive.

What are Georgia's car insurance requirements?

Georgia state law requires registered drivers to carry the following minimum liability insurance:

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $50,000
  • Property damage liability: $25,000

While these limits fulfill Georgia's legal requirements, it is strongly advised that you increase them in order to avoid an accident costing you money out-of-pocket.

Methodology

QuoteWizard studied thousands of rates through Quadrant Information Services from the following car insurance companies operating in Georgia:

  • Allstate
  • Auto-Owners
  • GEICO
  • Georgia Farm Bureau
  • Progressive
  • State Farm
  • USAA

Unless otherwise stated, the car insurance quotes analyzed were for a single, 35-year-old male who drives a 2012 Honda Accord LX an average 13,500 miles per year. He has a clean driving record.

When discussing full-coverage car insurance, we used the following limits:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage liability: $100,000

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