How to Find Cheap Car Insurance in Georgia

Finding the right auto insurance provider can be a challenge with so many companies out there to choose from. And with that much competition, how do you know if you’re getting the best rate? While it can seem overwhelming to find good insurance for your vehicle, the truth is it doesn’t have to be stressful. Keep reading to learn which companies in Georgia offer the cheapest car insurance and find out how to save.

In This Article:

• Cheapest Car Insurance Companies for Different Types of GA Drivers
• Cheapest Georgia State Minimum Rates
• Cheapest Full Coverage Rates
• Cheapest GA Cities for Car Insurance
• Georgia Car Insurance Discounts
• Best Car Insurance Companies in Georgia
• Georgia Car Insurance Laws and Penalties
• Frequently Asked Questions

The Cheapest Car Insurance Companies in Georgia in 2022

According to the most recent study by the National Association of Insurance Commissioners, the average Georgia driver pays over $1,200 a month for their car insurance. Even if you pay less than the state-wide average, that doesn’t necessarily mean you’re still getting the best deal. If you want to find the cheapest rates for car insurance in Georgia, keep reading to find out which companies are offering the best deals to drivers like you.

The Cheapest Rates for Georgia Teens

If you have a teen driver, you’re going to want to find a reliable insurance company that can offer great coverage at an affordable price. They might be excited to get out on the road, but you may not share their sentiments after you see the prices of auto insurance.Teens are the most expensive age group to cover because they lack driving experience. As a result, insurance companies aren’t too keen on offering insurance at an affordable rate.

As you can see, although these are the most affordable in Georgia, the rates vary widely from Clearcover at $150/mo to SafeAuto at more than triple that rate, charging $491/mo.

Infinity ($216/mo), Gainsco ($255/mo) and Mile Auto ($265/mo) offer more affordable rates along with Clearcover. While AnswerFinancial ($300/mo) and Liberty Mutual ($357/mo) are on the higher end along with SafeAuto.

While these are the most affordable rates on average, you should still take time to do your own research. Go online and compare auto insurance rates to discover which companies will give you the best premium based on your location, driving history, or gender.

To save even more money, ask your insurer about potential discounts. Teen drivers can usually save money for getting good grades or from being affiliated with certain organizations.

The Best Rates for Young Drivers Under 25

Once you reach 25 years of age, you can expect to see a decline in your insurance premium. Until then, you’re stuck paying higher rates. Typically, young drivers in the 18-24 age range will have to pay higher than average rates due to their limited driving history, but their premiums are thankfully lower than the youngest teen drivers.

Here’s a list of the cheapest car insurance companies offering rates to young Georgia drivers.

Clearcover is again the most affordable option at $151/mo and rates overall remain at a similar price point with just a $100 difference between the cheapest and most expensive option.

Mile Auto ($181/mo) and Gainsco ($187/mo) remain under $200/mo, while the other insurance companies range between $221/mo with Assurance America and $251/mo with Freedom.

When comparing rates for young drivers with teen drivers, you’ll see that young drivers pay less. While the most expensive option for young drivers is $251/mo, the most expensive option for teen drivers is $491/mo. That’s almost a 50% increase in price! 

This is one of the main reasons why teen drivers and parents should search high and low for the most affordable rates before making a final decision.

The Cheapest Rates for Retired Drivers in GA

Once you hit 65 and are of retirement age, you have a lot more time on your hands and if you’ll be spending time behind the wheel you want to make sure your insurance rates remain affordable. While you can expect cheaper rates in general, some companies do start to slowly increase premiums over time because they expect you to engage in more dangerous driving behaviors as you age.

Check out the cheapest companies for seniors looking to take advantage of reliable car insurance at an affordable price.

Mile Auto offers the most affordable auto insurance rates at $89/mo with Clearcover ($92/mo) and Liberty Mutual ($101/mo) coming right after. Gainsco offers a similar rate at $119/mo before rates see a large jump to $144/mo with Mercury and $197/mo with SafeAuto.

The last thing you want is for the stress of finding affordable car insurance to put a damper on what should be your golden years. To avoid overpaying for auto insurance as a retiree, ask your insurance company about any discounts you might qualify for. Since you’re spending more time at home, you could qualify for a usage-based discount or based on your history, a good driving discount.  

You should also do a bit of car insurance shopping to find the cheapest car insurance rates that match your new lifestyle.

The Most Affordable Rates for Married Georgians

Did you know that being married can also help you save on your car insurance? Not only do you get to spend more time with your favorite person, but you save more money too!  These savings happen because you’re more likely to have multiple vehicles under one policy and married drivers are statistically less likely to engage in unsafe driving behaviors.

Here’s a list of the cheapest auto insurance companies in Georgia for married drivers.

Once you’ve tied the knot, let your insurance company know and ask for an updated quote. You can also take this time to go auto insurance shopping as a new couple. While you’re searching, here are the most affordable rates for married couples in Georgia. 

Mile Auto offers the most affordable auto insurance rates at $84/mo. Gainsco ($88/mo), Clearcover ($92/mo), Assurance America ($98/mo), Infinity ($103/mo) and Liberty Mutual ($108/mo) offer similar rates.

Then you see rates jump with AnswerFinancial to $128/mo. Rates continue to increase significantly with Good2Go at $148/mo and Safeco at $168/mo.

While married couples will generally see a decrease in cost, this isn’t the case for everyone. If your spouse has a spotty record, you might want to hold off on joining forces. It could be cheaper to have separate policies. 

Mile Auto offers the most affordable auto insurance rates at $84/mo. Gainsco ($88/mo), Clearcover ($92/mo), Assurance America ($98/mo), Infinity ($103/mo) and Liberty Mutual ($108/mo) offer similar rates.

Then you see rates jump with AnswerFinancial to $128/mo. Rates continue to increase significantly with Good2Go at $148/mo and Safeco at $168/mo.

The Best Prices for Single Drivers in GA

Compared to married drivers, single drivers in Georgia will generally pay more for auto insurance. This is because insurance companies believe single people are less stable and are more likely to engage in risky driving behavior.

Even if you aren’t married, you can still find great insurance policies that will offer you the necessary coverage you need at a low price.

Here are the cheapest car insurance companies for single drivers in Georgia.

The most affordable auto insurance company for single drivers is about $25 more than it is for married drivers. Clearcover starts the list at $108/mo with Mile Auto coming in with a similar rate of $109/mo. Rates don’t increase much with Gainsco ($119/mo), Infinity ($121/mo), AssuranceAmerica ($128/mo) and Liberty Mutual ($130/mo). You then see rates increase more with the last few companies on the list rounding out with Travelers at $167/mo.

If you’re a single driver, don’t lose hope just yet! To avoid overpaying for auto insurance, take time to regularly compare car insurance rates. Once you see a more affordable option, you can switch and save money.

The Best Quotes for Georgia Drivers with Bad Driving Records

Have you recently received a ticket or been in an accident? If so, you might be worried your car insurance premiums are going to increase. While this is often true, it doesn’t mean you need to break the bank to keep your reliable insurance coverage. These insurance companies offer the most affordable auto insurance rates even if you have tickets or accidents on your record.

Top 5 Cheapest Auto Insurance Companies for Drivers With 1 Ticket

Mile Auto offers the most affordable insurance at $127/mo followed by Gainsco ($128/mo) and Clearcover ($130/mo). You then see a rate jump to $142/mo with Infinity followed by another jump to $160/mo with AssuranceAmerica.

Top 5 Cheapest Auto Insurance Companies for Drivers With Multiple Tickets 

Mile Auto once again offers the most affordable auto insurance rates at $139/mo. Gainsco comes in second with premiums averaging $145/mo. Clearcover ($158/mo) and AssuranceAmerica ($165/mo) come in next followed by Liberty Mutual where you see a larger rate increase to $185/mo.

Top 5 Cheapest Companies for Drivers with 1 Accident on their Record

Drivers who have recently been in an auto accident could see their insurance rates increase. If that’s you, you might want to consider switching to one of these affordable companies that can provide you with the coverage you need at a lower rate than other competitors.

Here’s a list of the cheapest options for drivers with an accident on their record. You might be surprised at how affordable these rates are!

Mile Auto starts off the list with auto insurance at $139/mo. Gainsco ($145/mo), Clearcover ($158/mo), Assurance America ($165/mo) and Liberty Mutual ($185/mo) are other good options to consider.

Top 5 Cheapest Car Insurance for Drivers with Multiple Accidents

If you have multiple accidents on your record, you can expect rates to increase even more, but these 5 companies offer the cheapest auto insurance premiums in Georgia.

Gainsco starts off the list at just $178/mo followed by Mile Auto which is only $179/mo. You then see a larger jump in premiums with Elephant Insurance ($232/mo), then Liberty Mutual ($248/mo) and Good2Go($255/mo)  round out the list.

The Cheapest Georgia State Minimum Liability Policies

While it’s often recommended that you secure more than state minimum auto insurance, it does have it’s benefits – one being the lower premiums.

However, keep in mind that lower premiums go hand in hand with less coverage. If you file a claim, you might not secure the level of coverage you expect and will have to pay more out of pocket. 

Here’s a list of the top companies that offer affordable rates for minimum coverage auto insurance in Georgia.

Clearcover ($85/mo) and Mile Auto ($86/mo) offer the cheapest state minimum auto insurance rates in Georgia.  Next, you gave Gainsco ($92/mo), Liberty Mutual ($101/mo) and Infinity ($102/mo) with rates in a similar range.

Cheapest Full Coverage Rates in Georgia

Having maximum coverage on your insurance policy can be a great way to avoid paying much (if anything) out of pocket to cover the damages that can occur as a result of an accident.

Mile Auto offers the cheapest full coverage auto insurance at $146/mo. Companies on this list are within a similar price point with the most affordable rate being only $205/mo at Mercury Auto.

The Cheapest Cities for Auto Insurance in Georgia

Car insurance rates will ultimately vary depending on which city you’re in. That’s why we’ve put together a list that breaks down the average monthly car insurance premium by city. While this list is by no means exhaustive, it does include most major towns and cities in Georgia. Browse through this list to see if your city is included.

Click on the name of each city in the table above to find detailed breakdowns of the factors that go into calculating your monthly premium. Here, you’ll find the information you need on how things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

The Best Auto Insurance Companies in Georgia

Now that we’ve gone over the cheapest insurance companies broken down by driver category, city, and coverage options, we’d like to take this opportunity to give an overview of the best-rated car insurance companies in Georgia using data from Reviews.com.

This site breaks down the best-rated companies by looking at a few different factors including affordability, discounts, customer satisfaction, and coverage options available. According to reviews.com, the highest-rated auto insurance companies available to Georgia drivers in 2021 are GEICO, Auto-Owners, and Progressive. Here’s a breakdown of these companies providing an overview of what makes them so highly rated.

GEICO

GEICO comes in with a score of 4.2 out of 5. They get high marks on affordability offering the lowest annual premiums of these 3 highest rated car companies.

They also boast a robust technology platform that offers a wide array of digital tools available to their customers. Geico gets high marks on the discounts it offers its customers including good driver, vehicle safety, multi-policy plans, multi-vehicle discounts, federal employee, and military discounts. The only drawback of Geico is they don’t offer gap coverage and have few local agents you can contact in case of a problem.

Auto-Owners Insurance

Coming in at a 3.8 out of 5, customers of Auto-Owners Insurance can rest assured they’ll receive the highest standard of customer service. This company also offers a wide variety of coverage options with plenty of discounts available. While they score highly in those areas, the only disadvantage is they don’t offer online quotes and have very few digital tools and services available to their customers.

However, if you’re not interested in taking advantage of the latest tech tools offered by some insurance companies— this could still be a great option due to their affordability and excellent customer service team.

Progressive

With a solid score of 4 out of 5, Progressive is another great option for Georgia drivers and is very highly rated due to the many discounts it offers its customers. They also score high for the coverage they can provide to drivers that are considered high risk.

The final factor where Progressive shines is in its technology where they offer a whole suite of digital tools that make it easier to monitor and make changes to your insurance policy. The only areas where Progressive needs to improve are their high annual premiums and their slightly below-average customer satisfaction.

Georgia Car Insurance Laws & Penalties

Driving without car insurance in Georgia is illegal and can result in large fines and other legal consequences if you’re caught. The penalties can be even more intense if you get into an accident without insurance.

Those caught driving without the proper coverage can face jail time, substantial fines, suspension of their vehicle registration, and driver’s license.

To avoid any of these costly scenarios, you want a good insurance plan that covers at least the minimum auto insurance requirements mandated by Georgia state law.

According to Georgia law, each vehicle you own must be insured with the following minimum liability coverage:

• $25,000 minimum coverage for the injury or death of one person, such as yourself, a passenger, or a pedestrian
• $25,000 minimum coverage for property damage
• $50,000 minimum coverage for the injury or death of multiple people in one accident

While these figures represent the minimum coverage you should have, you could benefit from securing a policy that exceeds these minimums to ensure you don’t have to pay out of pocket for damages that could cost more than what your insurance covers.

Fun Facts About Driving in Georgia

• It’s possible to get a ticket for going the speed limit. According to Georgia’s “Slowpoke Law”, a driver in the left lane must change lanes or speed up If there is a faster car behind them.
• The three biggest cities in Georgia are Atlanta (498K), Columbus (207K), and Augusta (202K)
• There are 6.9 million licensed drivers in Georgia.
• The longest highway in Georgia is the Georgia State Route 11. It runs for 376 miles and covers the entire state from north to south. 
• The shortest highway in Georgia is the Georgia State Route 84. It only runs for 3.4 miles. 
• Georgia’s “Hands-Free” law makes it illegal to drive while using a cell phone. It also doesn’t allow drivers to have headphones in both ears while driving. 
• Georgia drivers can legally drive without shoes if they wish. 
• The maximum speed limit you can drive in Georgia is 70 mph on rural highways.
• One of the fastest speeding tickets issued was to a driver behind the wheel of a McLaren 720S who hit a top speed of 155mph between the cities of Roswell and Sandy Springs. 
• In the Peach State, bikes are given the same rights as vehicles. Cyclists are required to follow the same rules as drivers, such as stopping at a red light. They also have the same legal protections as a driver would.

Georgia Car Insurance FAQs

Do I need full coverage auto insurance in Georgia? 

This commonly asked question is a good one and is many times not made clear. The answer is no, you don’t need full coverage insurance, but you will need to at least carry the minimum liability coverage that we listed at the beginning of the article.

Do I need to provide proof of insurance? 

Yes, all Georgia drivers need to have proof of insurance whenever they’re on the road. However, this can come in the form of a download or electronic copy that is saved on your phone. While not having the necessary documentation available results in a relatively low fine of only $25, it is still required by law to have proof of insurance on you whenever you’re driving your car.

What happens if I get into an accident without insurance? 

A driver that causes an accident in Georgia and doesn’t have insurance will be responsible for medical bills, car damage, lost wages, and more.

What are the penalties for first-time offenders driving without insurance? 

If you’re pulled over and are unable to provide proof of insurance, this can result in a misdemeanor that leads to a 60-day suspension of your car’s registration and your driver’s license. Depending on the severity of the circumstances of why you were pulled over, there are certain situations where not having insurance can result in a 12-month jail term.

What can happen if I’m caught driving without insurance a second time? 

In Georgia, you’re required to drive with auto insurance at all times. Getting caught without insurance twice can lead to significant legal issues. If found driving without insurance within 5 years, the state will suspend your license and registration for 90 days.

Helpful Resources for Georgia Drivers 

Georgia drivers may find the following resources helpful when learning about Georgia’s driving rules and regulations:

Georgia Department of Motor Vehicles

Georgia Transit Association 

Georgia Department of Transportation (GDoT)

Georgia Office of Insurance and Fire Safety Commissioner

Georgia Dot Highway Conditions

Georgia Department of Public Safety

Metropolitan Atlanta Rapid Transit Authority

The Parking and Transportation Association of Georgia

Georgia 511

Georgia’s Governor Office of Highway Safety

Methodology

All data referenced in this article comes from a combination of proprietary data — which is aggregated from millions of real customer quotes through Compare.com — and additional data gathered in collaboration with Quadrant.