Where to Get the Cheapest Car Insurance in Georgia (2021)
Farm Bureau offers the cheapest car insurance in Georgia, according to our research, with an average monthly rate of $53 for minimum coverage and $105 for full coverage.
USAA and State Farm also provide cheap car insurance to Georgia drivers. Both insurers offer monthly premiums that are well below the state averages for minimum- and full-coverage policies.
In this article, you’ll learn more about Georgia’s:
How much is car insurance in Georgia?
The average cost of minimum-coverage car insurance in Georgia is $84 per month, based on our research. The average cost of full-coverage car insurance in Georgia is $160 per month.
Minimum-coverage car insurance includes only the coverage types and amounts a state requires. In Georgia, a minimum-coverage policy includes only bodily injury and property damage liability coverage.
Full-coverage car insurance usually includes liability, collision and comprehensive coverages.
- Collision coverage pays to repair or replace your vehicle if it’s damaged or destroyed in an accident.
- Comprehensive coverage pays for damage to your vehicle caused by events like natural disasters, falling objects and theft.
Where can I get cheap auto insurance in Georgia?
Farm Bureau is the best company for cheap auto insurance in Georgia, according to our analysis. It offered our sample driver minimum-coverage auto insurance for $53 per month, on average. And it offered full-coverage auto insurance for $105 per month.
| Company | Average monthly premium | |||
|---|---|---|---|---|
| Farm Bureau | $53 | |||
| USAA | $61 | |||
| State Farm | $71 | |||
| State average | $84 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
USAA and State Farm also offer cheap auto insurance to Georgia drivers. USAA offered our sample driver minimum-coverage auto insurance for an average of $61 per month, while State Farm’s average monthly premium was $71.
| Company | Average monthly premium | |||
|---|---|---|---|---|
| Farm Bureau | $105 | |||
| USAA | $117 | |||
| State Farm | $130 | |||
| State average | $160 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
State Farm and USAA are among the best options for cheap full-coverage auto insurance in Georgia, too. USAA offered our sample driver full-coverage auto insurance for $117 per month, on average. State Farm’s average monthly premium for a full-coverage policy was $130.
What are the cheapest car insurance rates in Georgia by age group?
You will likely pay lower rates for car insurance in Georgia if you’re an older or experienced driver than you will if you’re a young driver. Case in point: 18-year-old drivers pay $586 per month, on average, for full-coverage car insurance in Georgia. Thirty-year-old drivers in the Peach State pay an average of $160 per month for the same policy — a difference of more than $400 per month, or about $5,000 per year.
Best car insurance companies in Georgia by age group
USAA and Farm Bureau are the best companies for cheap car insurance in Georgia, regardless of your age.
All of the average rates highlighted above are for minimum-coverage car insurance. Our analysis shows that Farm Bureau and USAA are also the best companies for cheap full-coverage car insurance in Georgia, regardless of age.
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Where can drivers with prior incidents get cheap car insurance in Georgia?
Your driving record has a big impact on how much, or how little, you pay for car insurance. If you have speeding tickets, at-fault accidents or DUIs on your record, you will usually pay higher premiums than you would if you had a clean record.
You can still get cheap car insurance with one or more traffic incidents on your record, though — especially if you buy a policy from these companies.
Cheapest car insurance for drivers with a DUI: State Farm
State Farm is the best car insurance company for Georgia drivers with a DUI on their records, according to our research. State Farm offers an average monthly premium of $144 for full-coverage car insurance after a DUI. This is $61 per month less than what runner-up Farm Bureau charges, and $14 per month more than what State Farm changes drivers with clean records.
| Company | Monthly premium before DUI | Monthly premium after DUI | Difference | |
|---|---|---|---|---|
| State Farm | $130 | $144 | $14 | |
| Farm Bureau | $105 | $205 | $100 | |
| Allstate | $157 | $216 | $59 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for drivers after an accident: Farm Bureau
Farm Bureau is the best car insurance company for Georgia drivers with an at-fault accident on their records. Farm Bureau offers an average monthly premium of $114 for full-coverage car insurance after an accident. This is $43 per month less than what runner-up State Farm charges, and $9 per month more than what Farm Bureau changes drivers with clean records.
| Company | Monthly premium before accident | Monthly premium after accident | Difference | |
|---|---|---|---|---|
| Farm Bureau | $105 | $114 | $9 | |
| State Farm | $130 | $157 | $27 | |
| USAA | $117 | $173 | $56 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Cheapest car insurance for drivers after a speeding ticket: Farm Bureau
Farm Bureau is the best car insurance company for Georgia drivers with speeding tickets on their records, too. Farm Bureau offers an average monthly premium of $114 for full-coverage car insurance after a speeding ticket. This is $30 per month less than what runner-up State Farm charges in the same situation.
| Company | Monthly premium before ticket | Monthly premium after ticket | Difference | |
|---|---|---|---|---|
| Farm Bureau | $105 | $114 | $9 | |
| State Farm | $130 | $144 | $14 | |
| USAA | $117 | $147 | $30 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
What are the best car insurance companies in Georgia?
Farm Bureau is the best auto insurance company in Georgia if you care about customer service and satisfaction as much as you care about cheap rates.
| Company | J.D. Power 2021 U.S. Auto Insurance Satisfaction Study | 2020 NAIC Complaint Index | ||
|---|---|---|---|---|
| Allstate | 838 | 0.87 | ||
| Farm Bureau | N/A | 0.37 | ||
| State Farm | 859 | 0.97 | ||
| USAA | 890 | 0.98 | ||
| Note: J.D. Power assesses overall customer satisfaction on a 1,000-point scale. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0. | ||||
Farm Bureau earned a score of 891 from J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study. The regional average for this study is 849, and higher scores are better than lower ones.
Farm Bureau also earned a score of 0.37 from the National Association of Insurance Commissioners (NAIC) as part of its 2020 Complaint Index. That means customers filed fewer complaints against the company with state regulators than was expected in the market.
What are the car insurance requirements in Georgia?
Georgia law requires drivers to carry at least enough liability car insurance coverage to meet these minimum limits:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per incident
- $25,000 of property damage liability coverage per incident
Although the state doesn’t require it, you might want to get collision and comprehensive coverage along with liability if you drive a newer or expensive vehicle.
Methodology
QuoteWizard conducted a comprehensive study of car insurance rates in Georgia using Quadrant Information Services. Unless otherwise stated, the quotes analyzed are for a single, 30-year-old male with a clean driving record. He operates a 2012 Honda Accord LX with an average annual mileage of 13,500 miles.
When discussing a full-coverage car insurance policy in this article, the driver had the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 collision and comprehensive deductible
Sources:
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