The Best Car Insurance Companies in Georgia

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If you’re looking for car insurance in Georgia, you can choose from plenty of companies. Feeling overwhelmed? Then you might want to start your search with the best car insurance companies in Georgia. These companies are known for providing quality customer service, a great selection of coverage options, discounts to help you save money, and a smooth claims process. Starting your search with these reputable insurance companies can save you time, and you might find one of them is the perfect match for your needs. 


Key Takeaways

  • It costs an average of $1,416 to insure a car in Georgia annually, but factors like where you live, your driving history, and even your credit score can impact your car insurance rates. 
  • When deciding which insurance company is best for you, it’s essential to consider pricing and other factors like the company’s reputation, customer service availability, the claims process, and the types of coverage available. 
  • Certain companies have built solid reputations for providing quality insurance and claims processes, so you’ll want to consider these companies as you search for car insurance. 
  • A comparison service like Compare.com makes it easy to gather car insurance quotes to see which company gives you the best pricing. 

Best Car Insurance Companies in GA 

When looking for car insurance, deciding where to start your search is tricky. We’ve highlighted must-know information about the best car insurance companies in Georgia to help you get started. These companies have excellent reputations, offer a wide range of coverage options and discounts, and are worth including in your car insurance search. 

State Farm

JD Power Score: 843/1,000

AM Best Score: A++

Overview: State Farm was founded in 1922 and is now the largest auto insurance company worldwide. The company’s reputation rests on providing top-quality customer service. 93% of State Farm drivers say they plan to renew their policies. The company offers a wide selection of car insurance coverage options and other insurance products, including home, business, liability, life, health, and even pet medical insurance. State Farm also offers banking and investment services. 

Pros: 

  • Choose from many different insurance products, including car, homeowner’s, and renter’s insurance
  • Many discounts, including programs like Drive Safe & Save and Steer Clear
  • High customer loyalty and satisfaction

Cons: 

Coverage Options: 

  • Collision coverage
  • Liability coverage
  • Uninsured motor vehicle coverage
  • Emergency road service coverage
  • Comprehensive coverage
  • Car rental and travel expenses coverage
  • Medical payments coverage

Discounts: 

  • Safe driver – Drive Safe & Save and Steer Clear programs
  • Accident-free and good driving savings
  • Defensive driving course discount
  • Good driver discount
  • Vehicle safety savings
  • Passive restraint discount
  • Anti-theft discount
  • Multiple vehicle savings
  • Bundled insurance products discounts

GEICO

JD Power Score: 847/1,000

AM Best Score: A++

Overview: Founded in 1936, GEICO is now the second-largest insurance company in the country. GEICO offers a wide selection of insurance products, including auto, homeowner’srenter’s, motorcycles and ATV, boat, and business insurance. The company has built a reputation for offering quality policies with highly competitive rates. GEICO also provides a mobile app that allows drivers to get ID cards, file claims, pay bills, and call roadside assistance. The company is well-known for the friendly gecko that appears in its advertising. 

Pros: 

  • Offers many low-cost car insurance policies
  • Choose from many coverage options, like rental reimbursement
  • Offers many discounts, including emergency deployment and federal employee discounts
  • Robust mobile app can help you file claims and make payments. 

Cons:

  • Doesn’t offer gap insurance

Coverage Options: 

  • Liability coverage
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Medical coverage
  • Personal injury protection coverage
  • Collision coverage
  • Comprehensive coverage
  • Emergency road service
  • Rental reimbursement
  • Mechanical breakdown insurance

Discounts: 

  • Airbag
  • Anti-lock brakes
  • Anti-theft system
  • Daytime running lights
  • New vehicle
  • Five-year accident-free good driver
  • Seat belt use
  • Defensive driving
  • Driver’s education
  • Good student
  • Emergency deployment
  • Federal employee
  • Membership and employee
  • Military
  • Multi-vehicle
  • Multi-policy

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Allstate

JD Power Score: 816/1,000

AM Best Score: A+

Overview: Allstate was founded in 1931, providing car insurance amid the Great Depression. Since then, Allstate has become one of the largest insurance providers in the United States. The company offers auto insurance, home, renter’s, condo, ATV, and term life insurance. Allstate has built an impressive reputation for providing quality customer service, and options like its Drivewise Program, a usage-based program, help drivers save money on their policies. 

Pros: 

  • Claims Satisfaction Guarantee means you’ll get a six-month credit toward your premium if you’re unhappy with the claims process
  • Many car insurance coverage options and additional coverages like homeowner and renter insurance
  • Mobile app allows you to track and file claims 
  • Many discounts available, including the Drivewise program for low-mileage drivers

Cons: 

  • Premiums can be higher than those offered by other insurance companies

Coverage Options: 

  • Collision coverage
  • Comprehensive coverage
  • Liability coverage
  • Medical payments coverage
  • Uninsured and underinsured motorist coverage
  • Roadside coverage
  • Personal injury protection
  • Personal umbrella policy
  • Rental reimbursement coverage

Discounts: 

  • Anti-lock brake
  • Anti-theft device
  • Multiple policies
  • Early signing
  • Responsible payer
  • Smart student
  • New car
  • EZ pay plan (automatic payments)
  • FullPay (Save when you pay your policy in full)
  • Safe Driving Club 

Nationwide

JD Power Score: 787/1,000

AM Best Score: A+

Overview: Nationwide originated as a small mutual auto insurance company that protected cars and Ohio farmers. Today, Nationwide is a Fortune 100 company that offers a wide array of insurance products, including car, homeowner’s, pet, farm, life, and commercial insurance. Nationwide also offers retirement plans, mutual funds, and specialty health services. In addition to a large selection of auto insurance coverage options, Nationwide offers many optional add-ons, like roadside assistance and vanishing deductible coverages, allowing drivers to customize their insurance to their needs. 

Pros: 

  • Wide selection of insurance products includes specialty options like pet and farm insurance
  • Identity theft coverage is available as an add-on
  • Mobile app offers 24/7 support, including the ability to pay bills and access ID cards

Cons: 

  • JD Power customer satisfaction score is lower than average
  • Premiums for drivers with a DUI are higher than many competitors

Coverage Options: 

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Uninsured motorist
  • Underinsured motorist
  • Medical payments
  • Collision
  • Comprehensive
  • Towing and labor
  • Rental car expense
  • Gap coverage
  • Accident forgiveness
  • Roadside assistance
  • Vanishing deductible
  • Total loss deductible waiver

Discounts: 

  • Multi-policy
  • SmartRide (Safe driver program)
  • SmartMiles (Mileage-based program)
  • Accident-free
  • Good student
  • Defensive driving
  • Anti-theft
  • Safe Driver 
  • Automatic payments

Auto-Owners Insurance

JD Power Score: 871/1,000

AM Best Score: A++

Overview: Auto-Owners Insurance was established in 1916 and now offers insurance to 26 states. The company has received multiple customer service and claims management awards, and its app allows drivers to make automatic payments, request roadside service, and check their claim status. In addition to standard coverages, Auto-Owners Insurance offers specialty coverage for classic cars and converted or modified vehicles. The company also provides many other types of insurance, including homeowner’s, renter’s, farm, pet, term life, and business insurance. 

Pros: 

  • Excellent customer satisfaction rating
  • Wide selection of insurance products
  • Coverage is available for classic cars and converted or modified vehicles

Cons: 

  • You cannot file a claim on the app

Coverage Options: 

  • Collision
  • Bodily injury liability and property damage liability
  • Medical payments and personal injury protection
  • Comprehensive
  • Uninsured/underinsured motorist
  • Road trouble serve
  • Additional expenses (rental car, home, food, lodging expenses after an accident)
  • Diminished value
  • Loan gap/lease gap
  • Personal automobile plus (Covers extras like identity theft, re-keying locks, and replacing your cell phone)

Discounts: 

  • Multi-policy 
  • Payment history
  • Green discount (paperless billing)
  • Multi-car
  • Deductibles
  • Good student
  • Student away at school
  • Teen driver monitoring
  • Life multi-policy
  • Paid-in-full
  • Advance (request a premium quote before your policy’s effective date)
  • Safety features
  • Favorable loss history

National General

JD Power Score: Not available

AM Best Score: A-

Overview: Founded in 1920, National General specializes in car insurance for high-risk drivers, including drivers with a DUI charge and those in at-fault accidents. Because of its high-risk specialty, National General’s rates for good drivers are higher than average, so it isn’t the solution for everyone. However, high-risk drivers can access coverage at competitive prices, and the company offers several discounts that can help to keep costs down. Its DynamicDriving program monitors drivers’ habits behind the wheel, potentially allowing safe drivers to get cheaper rates. 

Pros: 

  • Specializes in providing car insurance for high-risk drivers
  • Can file an SR-22 for drivers that need it
  • Offers insurance to drivers who have received their first DUI
  • DynamicDriving program can reward safe drivers with lower rates
  • Customer satisfaction guarantee means you can get $240 off of your deductible if you aren’t satisfied with the claims service

Cons: 

  • Rates are higher than average for drivers with a clean driving record

Coverage Options: 

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Medical payments
  • Uninsured motorist
  • Underinsured motorist
  • Personal injury protection
  • Accidental death and dismemberment
  • Roadside assistance
  • Auto protection plan

Discounts: 

  • Multi-policy
  • Multi-vehicle
  • Pay in full
  • Low mileage
  • Security device
  • Safe driver
  • Paperless

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Average Car Insurance Cost in GA

According to the U.S. News & World Report, Georgia drivers pay an average of $1,416 per year for car insurance, $26 less than the national average car insurance annual rate of $1,442. 

Remember that this average rate will vary depending on many factors. One of those factors is your location and where you primarily drive your vehicle. Since the traffic in an urban area can increase your chance of being in an accident, you will pay slightly more for insurance if you live in a city than in a more rural location. Other factors, including your age, driving record, the value of your car, and the type of coverage you choose, will also affect your car insurance premiums. 

For example, the annual car insurance rate for single 17-year-old females in Georgia is $5,434, while 17-year-old males pay an average of $6,332. These rates are significantly higher than the average $1,416 rate for all drivers. They reflect that teen drivers are much more likely to get into an accident than more experienced, older drivers. As teen drivers age and gain experience, those rates decrease because the drivers become less risky to insure.

Another difference comes with your gender. In Georgia, unmarried 25-year-old women pay an average of $1,654 for insurance, while single men the same age pay an average of $1,789 per year. 

The best way to know how much you’ll pay for insurance in Georgia is to compare auto insurance rats.


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How to Find the Best Car Insurance Companies in GA

skyline in georgia

The best car insurance company for you won’t necessarily be the one that offers the cheapest policies. Instead, it’s essential to consider the qualities that truly make a company the best fit for your needs. Asking yourself some questions can help you better understand what you should look for in a car insurance provider: 

  • What type(s) of coverage do you need, and are you looking for less common coverage, like rideshare insurance? 
  • Are you looking for policy limits that meet Georgia’s minimum requirements or higher limits? 
  • Are you the only one on your policy, or do you plan to add on other drivers, like teen drivers? 
  • What types of discounts would help you to save money on your car insurance? 
  • How do you prefer to interact with your car insurance company, by phone or through an app? 
  • Are you looking for other types of insurance, like life or homeowner’s insurance? 
  • How do you prefer to make your payments, online or in person? 

Considering those questions, list the qualities an ideal car insurance company will have. Then, it’s time to shop around for insurance. You should get and compare quotes from multiple companies that meet your criteria as you shop. By comparing those quotes, you can see which company gives you the best price on your premiums. 

Compare.com makes collecting those quotes easy. You will need to fill out a single quote request form, which takes about five minutes. Then, Compare.com will gather quotes from up to 65 insurance companies and send you the best options. You can quickly review those quotes and decide which insurance company best suits your budget and needs. Taking the time to shop around can pay off with significant savings – Compare.com users save an average of $720 per year on their car insurance. 


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What You Need to Know About GA Auto Insurance Coverage

Georgia requires drivers to carry liability insurance. Registering your vehicle in Georgia requires bodily injury liability coverage of at least $25,000 per person and $50,000 per incident. The state also requires drivers to carry at least $25,000 in property damage liability per incident. 

While Georgia’s insurance requirements for drivers are somewhat minimal, it’s always a good idea to purchase as much car insurance as you can afford. Comprehensive policies cover damage caused by theft, vandalism, fires, and more, while collision helps cover any losses you might experience due to an accident. Uninsured and underinsured motorist insurance can help to protect you from expenses after an accident with a driver who has low limits or no insurance at all. 

Car Insurance Discounts in GA

While Georgia doesn’t offer any official car insurance discount programs, you may be eligible for multiple discounts directly through your car insurance company. Some of the more common deals include multi-vehicle and multi-policy discounts, good student discounts, paperless billing, vehicle safety equipment, and good driver discounts. 

If you’re looking to save even more, you might consider choosing a car insurance company that uses telematics to help drivers save money. Car insurance providers are increasingly using technology to monitor driving habits and identify which drivers are high-risk and which ones are safer behind the wheel. 

For example, many companies offer programs where you can agree to use telematics while you drive for a certain period, like two weeks. During that period, an app on your smartphone monitors how you drive and looks for high-risk activities like hard braking, swerving, speeding, and even driving late at night. Based on the app’s data, insurance companies offer good drivers discounts on their premiums, while drivers who demonstrate risky behaviors pay higher premiums. 

If you spend minimal time driving each month, you can save money by signing up for a pay-per-mile policy instead of traditional flat-rate insurance. With a pay-per-mile policy, you will pay a flat monthly base fee and then a mileage-based price calculated based on the amount you drive each month. An app tracks your mileage, so your insurance company can calculate your monthly bill. Per-mile policies can be a great choice if you’re retired, work from home, or have a second car that you don’t drive as much. 

FAQs About Car Insurance in GA

How can I lower my car insurance in Georgia? 

One of the best ways to lower your car insurance is to shop for an insurance company that gives you the best rates on your policy. Look for a company that offers many discounts. You should also make some life changes, like working to build up your credit or purchasing a less expensive vehicle, which can save you money on your car insurance policy. 

Is car insurance mandatory in Georgia? 

Yes, Georgia requires drivers to insure any vehicles they plan to register. Georgia only requires drivers to have liability insurance, but it’s an excellent idea to add other types of coverage to ensure that you are fully protected. 

Is car insurance expensive in Georgia? 

Car insurance is slightly more affordable in Georgia than in the rest of the country. An annual policy in Georgia will cost about $26 less per year than you would pay if you lived in another state.

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