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.
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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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