The Cheapest Auto Insurance in Georgia in 2023

Georgia drivers pay an average of $48 per month for state-minimum liability-only insurance. But the average full-coverage car insurance premium is nearly double that figure. Factors such as your age, driving record, and ZIP code can affect exactly how much you pay.

Because Georgia is one of the most expensive states for auto insurance, knowing where to get the cheapest rates can greatly help your monthly budget. We’ve broken down rates and found the cheapest companies for all sorts of different drivers across Georgia. Keep reading to learn more.

Key Takeaways:

• Georgia drivers pay an average of $165 per month for auto insurance — $36 higher than the national average.
• GEICO, COUNTRY Financial, and Georgia Farm Bureau have the cheapest average auto insurance rates in Georgia.
• Cordele and Tunnel Hill have the cheapest rates of all Georgia cities.

Georgia’s Cheapest Car Insurance Companies

Even though Georgia is among the 10 most expensive states for car insurance, Georgia drivers can still find ways to save on their insurance costs. Let’s take a look at which companies offer the lowest average premiums across the state.

Georgia Farm Bureau’s $76 monthly rates are the lowest of any Peach State insurance company. But while it offers the cheapest car insurance rates overall, Georgia Farm Bureau might not be the cheapest for all drivers.

We compared various driver profiles to find Georgia’s best (and cheapest) car insurance companies for each of the top rating factors in the sections below.

The Average Cost of Georgia Car Insurance

Georgia drivers pay $165 per month (or $1,980 per year) for auto insurance. These rates are higher than in Alabama, South Carolina, Tennessee, and the overall national average. Florida is the only neighboring state with higher premiums.

Vehicle repair costs and medical bills are generally more expensive in Georgia, which contributes to the state’s higher-than-average insurance rates. Many factors affect auto insurance pricing, as you’ll see in the sections below.

Cheapest Car Insurance Rates for State-Minimum Insurance: Georgia Farm Bureau

The policy limits you choose play a big role in how much you pay for car insurance each month. State-minimum coverage (25/50/25 in Georgia’s case — but more on that later) is generally the cheapest policy available.

But which company offers the cheapest state-minimum liability rates? Let’s take a look.

Georgia Farm Bureau has the lowest rates for state-minimum insurance in Georgia, averaging just $48 monthly. Its rates are $4 cheaper than the next cheapest option, Auto-Owners Insurance.

Not only does Georgia Farm Bureau offer reasonable auto insurance rates, but it also has money-saving membership benefits available to save even more.

Cheapest Car Insurance Rates for Full-Coverage Insurance: COUNTRY Financial

Buying comprehensive and collision coverages will cost more, but they include financial protection for your vehicle that state-minimum coverage doesn’t.

A typical full-coverage car insurance policy usually provides liability, comprehensive, collision, and uninsured motorist coverages. Let’s take a look at which company offers the cheapest full-coverage policies in Georgia.

COUNTRY Financial is the cheapest for full coverage, at $97 per month, according to Compare.com data. The company also offers valuable extras on top of its cheap rates — such as new car replacement and personal effects coverage.

Georgia Farm Bureau and Auto-Owners are the next most affordable options, costing $8 and $16 more per month.

Compare Georgia Auto Insurance Rates by Age

Your age significantly influences your car insurance rates. Young drivers can be impulsive and tend to lack experience, making them a higher risk to insurance companies.

On the other hand, older drivers have maturity and years of driving experience, making them statistically less likely to file a claim.

We compared auto insurance quotes for different companies in Georgia to find the cheapest rates for each age group.

Cheapest car insurance for Georgia teens: GEICO

Teen drivers are more expensive to insure than any other age group. Teenagers drive fewer miles than senior drivers, yet they cause the most car accidents with the highest fatalities, according to the IIHS.

But once you reach 25, your rates should drop significantly (as long as you’ve maintained a good driving record).

The table below shows the cheapest car insurance companies in Georgia for 18-year-old drivers.

GEICO is the cheapest insurance company for teen drivers, averaging $127 per month. Teens who qualify for GEICO’s good student and driver’s education discounts can save even more.

However, GEICO is the most expensive of the companies listed here for full coverage, at $584 per month. Georgia Farm Bureau is the most affordable full-coverage company, costing $257 monthly.

Cheapest car insurance for Georgia seniors: Georgia Farm Bureau

Senior drivers get the best auto insurance rates in Georgia. And those who drive less after retirement typically get even lower premiums.

The table below shows Georgia’s cheapest auto insurance companies for 65-year-old drivers.

Georgia Farm Bureau has the best average rates for liability-only policies, at $44 monthly. Farm Bureau members can save 50% on a defensive driving course and get a 10% discount on their insurance premiums.

COUNTRY Financial and GEICO also have affordable rates for Georgia seniors, with average rates just $7 and $13 higher than Georgia Farm Bureau, respectively.

However, COUNTRY Financial has the lowest rates of any company for full coverage, costing just $85 per month. Georgia Farm Bureau’s full-coverage rates are $11 higher per month.

Compare Georgia Auto Insurance Rates by Driving Record

Your driving record has the biggest effect on your insurance premiums. Having moving violations and at-fault accidents on your record can significantly increase your monthly auto insurance costs.

The sections below include breakdowns of different driving record infractions, how they affect policy rates, and which insurance companies are the cheapest for each type.

Cheapest car insurance for good drivers in Georgia: Georgia Farm Bureau

Insurance companies reserve the best rates for good drivers — someone with no tickets or at-fault accidents on their driving record. The table below shows Georgia’s cheapest auto insurance companies for drivers with no accidents or moving violations.

Although Georgia Farm Bureau has the cheapest state-minimum premium of $48 monthly, COUNTRY Financial has the lowest full-coverage rates for clean drivers, at $97 per month. Auto-Owners and GEICO are other affordable options, costing $4 and $5 more per month for liability coverage.

Georgia Farm Bureau and Auto-Owners are also reasonable for full coverage, averaging $8 and $16 more per month than COUNTRY Financial.

Cheapest car insurance in Georgia after a ticket: Georgia Farm Bureau

Getting a ticket or moving violation will typically cause your insurance premiums to increase substantially. The national average rate increase is 23% for a speeding ticket conviction, according to Compare.com data.

You can find the cheapest auto insurance companies in Georgia after one speeding ticket in the table below.

Georgia Farm Bureau has the cheapest liability-only and full-coverage rates for Georgia drivers with a recent speeding ticket on their record.

While GEICO’s liability-only rates are only $8 more per month than GFB, its full-coverage premiums average $231 more per month. Auto-Owners would be a better option for drivers shopping for full coverage, with average rates costing $30 more per month than Georgia Farm Bureau.

Cheapest car insurance in Georgia after an accident: Georgia Farm Bureau

Causing an accident will raise your rates even more than getting a speeding ticket. The national average rate increase with an at-fault accident is 43%, according to Compare.com data.

Let’s take a look at which companies offer the cheapest average quotes for Georgia drivers with a recent at-fault accident.

Georgia Farm Bureau is again the cheapest option for both state minimum and full coverage, averaging $52 and $120 per month, respectively. However, the company doesn’t offer accident forgiveness, which good drivers can add before an at-fault accident to prevent a large rate hike.

While GEICO and Auto-Owners are the next cheapest options for liability-only policies, COUNTRY Financial and Auto-Owners have the best rates for full coverage.

Cheapest car insurance in Georgia after a DUI: GEICO

A DUI is the most serious driving conviction you can receive, with a national average rate hike of 92%, according to Compare.com data. Georgia drivers face license suspension for their first DUI offense, and you could even get dropped by your insurance company.

But that doesn’t mean you’re stuck with sky-high rates or no coverage options if you’ve had a recent DUI. Let’s take a look at the companies offering the cheapest average quotes in Georgia for drivers with a DUI charge.

GEICO has the cheapest liability-only rates for Georgia drivers with a recent DUI, at $69 per month. On the other hand, COUNTRY Financial has the best full-coverage rates ($159 per month), followed by State Farm ($165 per month).

Taking advantage of discounts from either insurance company can help offset premium increases after a DUI.

The Cheapest Cities for Car Insurance in Georgia

Location is another factor that determines your car insurance rates. Cost variations for medical bills, vehicle repairs, legal fees, population density, accident and crime statistics, and other factors can vary by ZIP code, making insurance premiums differ by location.

Let’s take a look at which Georgia cities have the cheapest auto insurance.

Cordele and Tunnel Hill are the two cheapest Georgia cities for auto insurance, at $66 per month, with Tifton following closely behind at $67. Each city has a relatively small population and is more rural, which can both lead to cheaper insurance rates.

Georgia’s largest cities by population are Atlanta, Columbus, and Augusta. These larger populations mean more traffic, and more traffic means more accidents — all of which lead to higher rates. For example, Atlanta’s average monthly premiums are $121 — nearly double the rates in smaller cities like Cordele.

These cities also have more vehicle crashes each year, according to the Georgia Department of Transportation. From 2017 to 2021, the largest cities had between 39,000 and 188,000 reported accidents. Tunnel Hill only had 35, while Cordele had 1,922 and Tifton 4,058 for the same period.

5 Ways to Get Cheap Car Insurance in Georgia

We all want to save money on our monthly auto insurance bills. But Georgia drivers may get cheaper car insurance by following these five tips:

• Keep your driving record clean. “Make sure to obey all traffic laws and drive safely to avoid costly accidents and tickets, which can help keep insurance premiums down,” says personal finance expert and co-founder of Seniors Life Insurance Finder, Scott Allen.
• Check for discounts. Adding discounts is a great way to lower your premium.
• Review your coverages. Review your policy details to ensure you pay for only the coverage you need. Consider increasing your deductible on comprehensive and collision coverage if you can afford a larger out-of-pocket bill if you file a claim.
• Provide detailed information about your vehicle. Although insurance companies have your VIN, you could miss valuable discounts on your car’s anti-theft and safety features if you don’t list them.
• Shop regularly and compare quotes. “Get at least three car insurance quotes from different insurers to compare prices and coverage options before you decide,” Allen advises. This way, you know you’re getting the best rate for your coverage needs.

Georgia Auto Insurance Requirements

Georgia car insurance laws require drivers to meet minimum requirements for coverage. You must carry liability insurance of at least:

• $25,000 in bodily injury coverage per person
• $50,000 in bodily injury coverage per accident
• $25,000 in property damage coverage per accident

Georgia is an at-fault state, meaning your liability insurance pays for the other person’s injuries and property damage if you’re determined to be at fault in an accident. Buying enough liability coverage can decrease the chance of having to pay out of pocket after a crash with serious injuries or totaling an expensive car.

You can also protect yourself from uninsured motorists by carrying uninsured/underinsured motorist coverage. And adding comprehensive and collision coverages will help pay for vehicle repair costs after a covered accident, regardless of who’s at fault.

Penalties for driving without auto insurance in Georgia

Georgia drivers caught driving without auto insurance can face the following penalties if convicted:

• Serve a 60-day license suspension, unless court accepts a “no contest” plea
• Pay a $200 reinstatement fee
• Prepay six months of auto insurance with minimum coverage limits

For second and subsequent offenses, the fine increases to $300, and you’re required to file an SR-22 for three years. You’ll also have an automatic 90-day license suspension, plus potential court fees and the cost of a new driver’s license.

SR-22 auto insurance in Georgia

After a second DUI offense or a license suspension, you must submit an SR-22A form to the state for at least three years. The Georgia Safety Responsibility Insurance Certificate form SR-22A is not a type of insurance but proof that you carry at least Georgia’s minimum coverage requirements.

Allen recommends “shopping around for the best rates before purchasing SR-22 coverage.” Also, “keep track of your policy dates and make sure to renew it promptly so that your license is not suspended or revoked due to lapsed coverage.”

Georgia Auto Insurance FAQs

Having the right information can help you get cheap car insurance in Georgia. Here are answers to the most frequently asked questions by Georgia drivers like you.

Who is the cheapest auto insurance company in Georgia?

Georgia Farm Bureau, Auto-Owners, COUNTRY Financial, Central Insurance, and Progressive are the cheapest auto insurance companies in Georgia, according to Compare.com data. But you might find another more affordable company since personal factors, such as your age, credit score, marital status, and driving record, determine premiums.

How much is car insurance in Georgia?

Car insurance in Georgia averages $165 per month. Insurance premiums vary by company, so comparing auto insurance quotes can help you find the best rate for your driver profile.

Which city has the cheapest car insurance in Georgia?

Cordele and Tunnel Hill tie for the city with the cheapest car insurance in Georgia. Auto insurance costs in these cities average $66 per month, with Tifton costing $1 more.

How much car insurance is required in Georgia?

Georgia drivers are required to carry liability car insurance of at least 25/50/25. With these limits, the insurance company will pay up to $25,000 per person and $50,000 per accident for injuries you cause. It will also pay up to $25,000 per accident for property damage you cause.

What happens if you get caught driving without insurance in Georgia?

If you get caught driving without insurance in Georgia, you could have your license suspended and be required to prepay a six-month insurance policy. If you get caught more than once, your fine will increase with a mandatory 90-day license suspension. You will also have to provide SR-22A proof of insurance for three years.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the quotes listed in this article have been gathered from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.

Sources

1. CarMD. “2022 State Repair Cost Rankings.” Accessed July 16, 2023.
2. Georgia Department of Driver Services. “Reinstatement FAQs.” Accessed July 16, 2023.
3. Georgia Department of Driver Services. “ Traffic Court Reference Manual.” Accessed July 17, 2023.
4. Georgia Department of Transportation. “Georgia Crash Data.” Accessed July 17, 2023.
5. Georgia Office of the Commissioner of Insurance and Safety Fire. “Auto Insurance.” Accessed July 17, 2023.
6. Insurance Institute for Highway Safety. “Fatality Facts 2021 Teenagers.” Accessed July 16, 2023.
7. The Commonwealth Fund. “2023 Scorecard on State Health System Performance.” Accessed July 16, 2023.
8. World Population Review. “Cities in Georgia by Population (2023).” Accessed July 17, 2023.