Key Takeaways
- Georgia Farm Bureau and Auto-Owners generally offer the cheapest car insurance in Georgia.
- The average price of full-coverage car insurance in Georgia is $1,987 a year, which is 2% higher than the national average.
- A speeding ticket increases the price of car insurance by 15% to $191 a month. A DUI increases rates by 86%.
In this article
Cheapest car insurance companies in Georgia
- Cheapest minimum liability: Auto-Owners
- Cheapest for drivers with a ticket or accident: Georgia Farm Bureau
- Cheapest for drivers with a DUI: State Farm
Auto-Owners’ rates are well below state averages for a wide range of driver profiles, including teens and seniors. The company’s rates for minimum-liability insurance average $62 a month, which is 26% less than the state average.
In addition to offering the lowest rate on full-coverage car insurance for drivers with a clean record, Georgia Farm Bureau has the lowest rates for drivers with a prior ticket or accident.
State Farm offers the lowest average rate to drivers with a DUI. The company’s rates for most other driver profiles are also cheaper than state averages.
Auto insurance companies evaluate several factors about you and your vehicle to determine your rate, and each company uses a different formula. Since you may qualify for a considerably lower rate with one company than you do with others, it’s best to compare multiple auto insurance quotes when you shop.
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Georgia car insurance state minimums
Georgia law requires motorists to carry 25/50/25 liability insurance, which includes the following coverages.
| Coverage type | State required limit |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 |
| Source: Georgia Office of Commissioner of Insurance and Fire Safety | |
The minimum liability insurance required by the state covers injuries and damage you cause to other people and their property in a car accident. The following optional coverages are available to cover injuries to you, your passengers and damage to your vehicle.
Georgia requires auto insurance agents to offer uninsured motorist coverage for bodily injury and property damage, but you can decline either or both.
Cheapest minimum-liability auto insurance in Georgia: Auto-Owners
Auto-Owners offers the cheapest minimum-liability auto insurance in Georgia, charging rates that average $739 a year, or $62 a month. The next-best rates are available from Georgia Farm Bureau, $64 a month, and Progressive, $79 a month.
USAA, which is only available to current and former members of the military and their families, offers minimum-coverage rates that average $63 a month.
| Company | Monthly rate |
|---|---|
| Auto-Owners | $62 |
| Georgia Farm Bureau | $64 |
| Progressive | $79 |
| State Farm | $82 |
| Allstate | $104 |
| GEICO | $132 |
| USAA* | $63 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
If the medical bills of those you hurt in a car accident you cause or their car repair bills exceed your liability limits, you may be held personally responsible for the shortfall. Since this could put your savings or other assets at risk, it’s worth considering coverages and limits that exceed the state’s minimum requirements.
At minimum, your liability limits should match your net worth.
Cheapest full-coverage car insurance in Georgia: Georgia Farm Bureau
With rates that average $118 a month, Georgia Farm Bureau offers the cheapest full-coverage car insurance in Georgia. The next-best rates are available from Auto-Owners, $129 a month, and State Farm, $137 a month.
The average cost of full-coverage car insurance in Georgia is $1,987 a year, or $166 a month. For comparison, the average price of full-coverage car insurance nationwide is $1,957 a year, or $163 a month.
| Company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $118 |
| Auto-Owners | $129 |
| State Farm | $137 |
| Allstate | $182 |
| Progressive | $192 |
| GEICO | $287 |
| USAA* | $114 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Full coverage car insurance includes higher liability limits than a minimum-liability policy, as well as collision coverage and comprehensive coverage.
- Collision generally covers damage to your car in an accident you cause, although it can also apply to hit-and-run, if you don’t have uninsured motorist coverage for property damage.
- Comprehensive covers damage from most other causes other than collision, including fire, flood, falling objects and vandalism, as well as theft of the vehicle.
Although collision and comprehensive are not required by law, both are typically required for a car loan or lease.
Cheapest car insurance for drivers with bad credit: Georgia Farm Bureau
Drivers with a low insurance-based credit score typically pay more for car insurance than those with good credit. For example, the average price of full-coverage car insurance for a driver with good credit is 16% less than it is for a driver with fair credit.
Georgia Farm Bureau offers the cheapest rates to drivers with less than stellar credit, charging drivers with fair credit $118 a month. The next-based rates are available from State Farm, $172 a month, and Auto-Owners, $188 a month.
| Company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $118 |
| State Farm | $172 |
| Auto-Owners | $188 |
| Allstate | $214 |
| Progressive | $233 |
| GEICO | $299 |
| USAA* | $140 |
| Rates are for full-coverage car insurance for a 35-year-old male with fair credit and a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for drivers with a prior incident
Georgia Farm Bureau and State Farm have the lowest rates for drivers with certain prior incidents. In general, a traffic violation or accident raises your insurance rates by amounts that vary by incident.
Cheapest for drivers with a speeding ticket: Georgia Farm Bureau
Georgia Farm Bureau has the cheapest car insurance for drivers with a prior speeding ticket, offering rates that average $128 a month. This is 8% higher than its rates for drivers with a clean record.
In Georgia, a speeding ticket increases the price of car insurance by 15% to $191 a month for full coverage.
| Company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $128 |
| Auto-Owners | $129 |
| State Farm | $147 |
| Allstate | $208 |
| Progressive | $260 |
| GEICO | $323 |
| USAA* | $142 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with an at-fault accident: Georgia Farm Bureau
A prior accident raises the average price of car insurance in Georgia by 50% to $249 a month for full coverage.
Georgia Farm Bureau’s rates are cheapest for drivers with a prior accident, $128 a month, which is only 8% higher than its rates for drivers with a clean record.
Auto-Owners’ average rate for drivers with a prior accident is 48% higher than it is for those with no prior tickets or accidents.
| Company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $128 |
| State Farm | $160 |
| Auto-Owners | $191 |
| Allstate | $292 |
| Progressive | $329 |
| GEICO | $475 |
| USAA* | $171 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with a DUI: State Farm
State Farm has the cheapest car insurance in Georgia for drivers with a DUI, charging rates that average $147 a month.
On average, a DUI raises the price of insurance by 86% to $309 a month for full coverage.
| Company | Monthly rate |
|---|---|
| State Farm | $147 |
| Georgia Farm Bureau | $224 |
| Allstate | $250 |
| Auto-Owners | $258 |
| Progressive | $294 |
| GEICO | $766 |
| USAA | $226 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for senior drivers: Georgia Farm Bureau
Georgia Farm Bureau offers the cheapest car insurance to seniors in Georgia, charging an average of $110 a month to 65-year-olds for full coverage.
Many car insurance companies offer a discount to seniors who complete an approved mature-driver education class, and some classes are offered online. It’s best to find out which courses qualify for your insurance company’s discount before you enroll in one.
| Company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $110 |
| State Farm | $128 |
| Auto-Owners | $135 |
| Progressive | $173 |
| GEICO | $192 |
| Allstate | $199 |
| USAA* | $110 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for young drivers: Georgia Farm Bureau
Georgia Farm Bureau offers the cheapest car insurance to young drivers in Georgia, charging 18-year-olds rates that average $187 a month for minimum coverage and $366 a month for full coverage.
In Georgia, the average price of car insurance for 18-year-olds is more than triple the rates available to most adults in their mid-30s or older.
| Company | Minimum monthly | Full monthly |
|---|---|---|
| Georgia Farm Bureau | $187 | $366 |
| Auto-Owners | $217 | $397 |
| State Farm | $253 | $430 |
| GEICO | $342 | $745 |
| Allstate | $365 | $698 |
| Progressive | $440 | $989 |
| USAA | $154 | $278 |
| Rates are for an 18-year-old male with a clean driving record. *Only available to current/former military and their families. | ||
Insurance companies charge high rates to teen drivers, because teens have the highest crash rates among all age groups. Teens typically get a lower price when added to a parent’s car insurance than they do on their own.
In Georgia, it costs an average of $374 a month to add an 18-year-old male to a parent’s full-coverage policy. This amount is 33% less than the average cost of standalone car insurance for an 18-year-old male, which averages $558 a month.
Many insurance companies offer a good-student discount to teens who maintain a B average or better in school. Some companies also offer discounts to teens who complete approved driver education courses.
Cheapest car insurance for married drivers: Georgia Farm Bureau
In Georgia, the average price of car insurance is 12% lower for married drivers than it is for those who are single.
Married drivers get cheaper rates on car insurance, because insurance companies view them as less likely to be involved in an accident than single drivers.
Georgia Farm Bureau and Auto-Owners offer the cheapest car insurance to married drivers, charging rates that average $118 a month and $129 a month, respectively.
| Company | Monthly rate |
|---|---|
| Georgia Farm Bureau | $118 |
| Auto-Owners | $129 |
| State Farm | $137 |
| Progressive | $155 |
| Allstate | $181 |
| GEICO | $196 |
| USAA* | $104 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
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Car insurance laws in Georgia
Electronic car insurance monitoring
You need to show proof of liability insurance to register a vehicle in Georgia, and once you’re registered, the state uses an electronic system to monitor your insurance status.
If you cancel your car insurance or let it lapse without a new policy in place, you could face fines and a potential suspension of your registration, unless you obtain new insurance in a timely manner
SR-22 insurance in Georgia
If you are convicted of certain violations, you may need to file an SR-22 certificate with the Georgia Department of Driver Services to reinstate your driver’s license or vehicle registration.
If a court orders you to file an SR-22, make sure to let your insurance company know about the requirement. You typically need to prepay for six months of car insurance, and the insurance company files the certificate on your behalf.
Some car insurance companies don’t accept customers with an SR-22 requirement. Those that do often charge a small SR-22 filing fee, in the range of $10 to $35.
The cost of car insurance with an SR-22 requirement depends largely on the offense or offenses that led to it. Customers who receive an SR-22 order for driving without insurance on multiple occasions tend to pay less for insurance than those with a DUI conviction or numerous moving violations.
Comparative fault laws for car accidents
Georgia uses comparative fault laws to settle car accident claims.
If you cause an accident, you are financially responsible for any injuries or damage you cause to others, usually through your car insurance policy’s liability coverage.
However, if the other driver is partially responsible for the accident, your share of financial responsibility may be reduced.
For example, if you cause an accident that results in $3,000 damage to another driver’s vehicle, you are normally responsible for the other driver’s entire repair bill. However, if an investigation determines that the other driver has a 25% share of responsibility for the accident, your responsibility for the other person’s repair bills may be reduced to 75%, or $2,250.
Georgia car insurance: FAQs
The average price of minimum-liability car insurance in Georgia is $1,002 a year, or $84 a month. The average cost of full-coverage car insurance works out to $166 a month.
Georgia Farm Bureau and Auto-Owners generally have the cheapest car insurance in Georgia. Auto-Owners has the cheapest minimum-coverage rates, $62 a month, while Georgia Farm Bureau is cheapest for full coverage, charging $118 a month.
Georgia’s 25/50/25 car insurance laws require motorists to carry bodily injury liability with limits of at least $25,000 per person and $50,000 per accident, plus property damage liability with a minimum limit of $25,000. Collision and comprehensive are required for car loans and leases.
Methodology
The rates shown in this article are based on an analysis of more than 144,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Georgia.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the state’s minimum liability limits.
Full coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
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