+120 more*These quotes are from real Compare.com users Georgia within the last 10 days. Updated on October 7, 2026
*These quotes are from real Compare.com users Georgia within the last 10 days. Updated on October 7, 2026
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
){kind=small}
25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
Updated
Auto-Owners, State Farm, and Country Financial are the cheapest car insurance companies for Georgia drivers.
In Georgia, full-coverage insurance averages $250 per month.
Georgia car insurance costs $203 per month, on average, compared to $101 nationally.
Car insurance claims are more expensive and occur more frequently in Georgia than in other states, which can increase costs.[1]
Auto-Owners is the cheapest overall auto insurer in Georgia, followed by State Farm and Country Financial, according to Compare.com data.
Georgia drivers spend $203 per month, on average, on car insurance — nearly 50% more than the national average for all drivers. Liability insurance policies cost around $157 per month, while full coverage (which includes collision and comprehensive coverage) costs an average of $250 per month.
The table below shows the cheapest auto insurers in Georgia by coverage type, according to Compare.com data.
Company | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Auto-Owners | $92 | $150 |
| State Farm | $98 | $162 |
| Country Financial | $100 | $163 |
| Mile Auto | $106 | $172 |
| Progressive | $110 | $203 |
| USAA | $115 | $189 |
| Mercury | $150 | $233 |
| Root | $162 | $227 |
| Bristol West | $164 | $288 |
| GEICO | $166 | $278 |
| Clearcover | $169 | $278 |
| GAINSCO | $180 | $337 |
| Allstate | $182 | $284 |
| Direct Auto | $182 | $288 |
| The General | $183 | $352 |
| AssuranceAmerica | $185 | $270 |
| Safeco | $197 | $237 |
| Trexis One | $205 | $352 |
| National General | $206 | $297 |
| Mendota | $216 | $355 |
| First Acceptance | $221 | $400 |
| Trexis | $222 | $386 |
| Liberty Mutual | $354 | $396 |
Compare quotes and get the coverage you need at the best price.
Rates can vary considerably across Georgia. LaFayette drivers pay the lowest average rates, at $126 per month, while Clarkston and Lithonia drivers pay the most expensive rates, at $322.
Cost differences between the cities likely result from factors like population density. Clarkston and Lithonia are in the Atlanta metropolitan area, while more rural LaFayette has fewer than 900 people per square mile. Clarkston has more than 13,000 people per square mile.[2]
The following table compares liability and full-coverage rates in Georgia cities (data from Compare.com).
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Baxley | $102 | $180 |
| Elberton | $102 | $164 |
| Hartwell | $103 | $174 |
| Hazlehurst | $104 | $185 |
| Chickamauga | $105 | $177 |
| Eastman | $105 | $182 |
| La Fayette | $106 | $147 |
| Waycross | $106 | $173 |
| Dalton | $107 | $167 |
| Toccoa | $107 | $187 |
| Chatsworth | $109 | $169 |
| Tunnel Hill | $109 | $198 |
| Americus | $110 | $222 |
| Rossville | $111 | $176 |
| Ringgold | $112 | $178 |
| Douglas | $113 | $184 |
| Summerville | $114 | $212 |
| Valdosta | $114 | $167 |
| Ellijay | $115 | $181 |
| Montezuma | $115 | $254 |
| Moultrie | $115 | $170 |
| Blackshear | $116 | $193 |
| Brunswick | $116 | $174 |
| Jesup | $116 | $205 |
| Thomasville | $116 | $201 |
| Calhoun | $117 | $204 |
| Tifton | $118 | $175 |
| Kingsland | $119 | $179 |
| Sylvania | $120 | $182 |
| Thomson | $121 | $195 |
| Cordele | $123 | $225 |
| Eatonton | $124 | $200 |
| Perry | $124 | $182 |
| Dublin | $125 | $217 |
| Jasper | $126 | $199 |
| Waynesboro | $126 | $198 |
| Cleveland | $127 | $193 |
| Adairsville | $128 | $187 |
| Albany | $130 | $230 |
| Statesboro | $130 | $227 |
| Cedartown | $131 | $210 |
| Dahlonega | $131 | $203 |
| Franklin | $132 | $249 |
| Hull | $132 | $240 |
| Leesburg | $132 | $221 |
| Athens | $133 | $207 |
| Tallapoosa | $133 | $240 |
| Barnesville | $135 | $261 |
| Byron | $135 | $220 |
| Dawsonville | $135 | $206 |
| Lagrange | $135 | $235 |
| Richmond Hill | $135 | $217 |
| Peachtree City | $137 | $211 |
| Milledgeville | $139 | $241 |
| Rincon | $139 | $218 |
| Rome | $139 | $217 |
| Columbus | $140 | $219 |
| Commerce | $140 | $198 |
| Hinesville | $140 | $213 |
| Thomaston | $140 | $236 |
| Fort Valley | $141 | $232 |
| Flowery Branch | $142 | $213 |
| Grovetown | $144 | $209 |
| Hephzibah | $144 | $226 |
| Guyton | $145 | $243 |
| Jefferson | $145 | $230 |
| Evans | $146 | $233 |
| Rockmart | $147 | $232 |
| Augusta | $148 | $219 |
| Gainesville | $148 | $224 |
| Canton | $149 | $208 |
| Jackson | $149 | $250 |
| Hoschton | $150 | $229 |
| Bremen | $152 | $215 |
| Cartersville | $152 | $225 |
| Cumming | $153 | $220 |
| Lula | $153 | $194 |
| Carrollton | $154 | $233 |
| Sharpsburg | $154 | $204 |
| Warner Robins | $154 | $224 |
| Winder | $155 | $226 |
| Bethlehem | $157 | $259 |
| Port Wentworth | $157 | $256 |
| Newnan | $159 | $226 |
| Temple | $161 | $240 |
| Acworth | $162 | $231 |
| Monroe | $163 | $244 |
| Woodstock | $164 | $234 |
| Braselton | $165 | $244 |
| Pooler | $165 | $235 |
| Alpharetta | $166 | $230 |
| Kennesaw | $166 | $244 |
| Griffin | $170 | $258 |
| Roswell | $172 | $268 |
| Savannah | $172 | $254 |
| Hiram | $173 | $258 |
| Villa Rica | $174 | $261 |
| Smyrna | $181 | $263 |
| Fayetteville | $182 | $261 |
| Dacula | $185 | $272 |
| Locust Grove | $186 | $285 |
| Buford | $187 | $249 |
| Dallas | $189 | $272 |
| Macon | $189 | $276 |
| Marietta | $191 | $261 |
| Suwanee | $191 | $264 |
| Auburn | $192 | $249 |
| Peachtree Corners | $192 | $279 |
| Mableton | $194 | $284 |
| Lithia Springs | $197 | $280 |
| Douglasville | $198 | $293 |
| Mcdonough | $198 | $297 |
| Oxford | $199 | $263 |
| Lawrenceville | $202 | $281 |
| Powder Springs | $204 | $287 |
| Duluth | $205 | $290 |
| Loganville | $206 | $279 |
| Stockbridge | $207 | $313 |
| Norcross | $210 | $284 |
| Snellville | $210 | $308 |
| Tucker | $211 | $272 |
| Grayson | $212 | $309 |
| Hampton | $212 | $295 |
| Lilburn | $212 | $289 |
| Fairburn | $213 | $323 |
| Conley | $214 | $313 |
| Conyers | $214 | $315 |
| Jonesboro | $222 | $327 |
| Atlanta | $223 | $318 |
| Covington | $223 | $310 |
| Morrow | $224 | $341 |
| Rex | $225 | $339 |
| Austell | $227 | $311 |
| Ellenwood | $229 | $328 |
| Union City | $229 | $332 |
| Forest Park | $239 | $342 |
| Riverdale | $240 | $356 |
| Decatur | $260 | $368 |
| Stone Mountain | $261 | $357 |
| Lithonia | $264 | $377 |
| Clarkston | $280 | $364 |
Here’s an overview of driver statistics and patterns among Georgia drivers, according to Compare.com data.
Annual mileage: Georgians drive an average of 9,588 miles annually, which is one of the highest averages in the country.
Driving records: About 0.5% of Georgia drivers have a driving under the influence (DUI) conviction, which is lower than in most states. Accident rates (4.9%) and speeding ticket rates (4.3%) are about average.
Vehicle ownership: About 31% of Georgia drivers have a lien on their vehicle, compared to about 67% who own their vehicle outright.
Multiple vehicles: About 12% of Georgia drivers have more than one vehicle and may be eligible for a multi-car discount.
Georgia auto insurance rates are showing signs of easing in 2026, with the state insurance commissioner reporting a series of recent rate reductions across the market.[3]
Car insurance quotes in Georgia can vary significantly by insurer, location, and vehicle. Your personal details, like your age, driving history, and credit history, can also affect your quotes. Comparing multiple car insurance quotes can help you find the best fit for your budget and needs.
The table below compares average rates, customer reviews, and other details from top insurance companies in Georgia.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $222/mo* | Average Premium $268/mo* | Average Premium $235/mo* | Average Premium $233/mo* | Average Premium $192/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 892 user reviews | Special Highlight N/AAI-generated from 42 user reviews | Special Highlight N/AAI-generated from 65 user reviews | Special Highlight N/AAI-generated from 606 user reviews | Special Highlight N/AAI-generated from 26 user reviews |
Our picks for the best car insurance companies in Georgia combine actual user reviews compiled by Compare.com with company ratings that consider AM Best, J.D. Power, and National Association of Insurance Commissioners data. Many reputable car insurance companies offer policies to Georgians, so always compare options before buying. Consider getting quotes from our top three picks below.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $162/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
In addition to low rates, State Farm gives Georgia’s safe drivers several ways to save. The company offers eight savings opportunities, including the Drive Safe & Save program, which can reduce rates in Georgia by up to 30%.
State Farm lists eight savings opportunities in Georgia, compared to 10 in neighboring Florida, but Georgia drivers can get a good student discount that the insurer doesn’t list as available to Florida drivers.
Defensive driving discount available in Georgia
Drive Safe & Save can save you up to 30%
Gap insurance and accident forgiveness not available
Fewer available discounts than in Florida
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $92/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $150/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
Auto-Owners offers some of the lowest rates for Georgia drivers with violations. It offers the cheapest average rates after speeding tickets, at-fault accidents, DUIs, and for drivers who need an SR-22.
The company also offers a strong range of discounts and coverage options, including accident forgiveness, a common loss deductible, loan or lease gap insurance, and rental auto gap coverage.
Lowest rates for high-risk drivers
Accident forgiveness and common loss deductible available
Below-average J.D. Power customer satisfaction rating in Southeast
Online quotes not available
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 665 |
|---|---|
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $100/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $163/mo |
COUNTRY Financial offers several discounts tailored to the needs of families with young drivers. Good students can save up to 35%, and Simply Drive can lower rates even further for newly licensed drivers. Its Legacy Discount allows parents to extend their multi-car and multi-policy savings to children younger than 25 who’ve moved out.
Low rates for Georgia teens
6% Georgia rate reduction in 2026
Gap coverage and accident forgiveness not available
Poor app reviews on Google Play Store
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Georgia drivers. We researched, analyzed, and weighed several categories important to Georgia insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Georgia drivers find the best auto insurance policy for their unique needs.
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Like almost every state, Georgia’s auto insurance requirements include the following minimum coverages:[4]
$25,000 in bodily injury liability protection per person
$50,000 in bodily injury liability per accident
$25,000 property damage liability per accident
Georgia doesn’t require medical payments (MedPay) coverage, comprehensive, or collision coverage. Lenders usually require both comprehensive and collision coverage if you lease or finance your car. The state also doesn’t require uninsured motorist coverage, which can protect you and your passengers if an uninsured driver causes an accident.
Driving without insurance in Georgia can result in a 60-day license suspension, according to the Georgia Department of Driver Services. License reinstatement costs $200 for a first offense and $300 for subsequent violations when paid by mail. The state may also suspend your vehicle registration.
Every state has a unique set of conditions that influence car insurance costs. Here are some of the most significant in Georgia.
More frequent claims: Georgia’s bodily injury and property damage liability claim frequencies are 60% and 15% higher than the U.S. average, respectively, according to the Insurance Research Council.
Higher injury claim costs: Georgia insurers pay slightly more for the average bodily injury claim than the U.S. average.
High percentage of uninsured motorists: Georgia’s uninsured motorist rate is 18.7% — 25% higher than the national average.
Many underinsured drivers: Georgia’s underinsured rate is more than twice the national average.
High litigation rate: Georgia’s auto insurance claim litigation rate is more than twice the rate of the median state.
Expert’s insight
“Georgia drivers face more risk from uninsured and underinsured motorists than drivers in many other states. Given the state’s high rate of uninsured and underinsured drivers, the coverage is worth considering. It can help pay for your injuries and vehicle damage when the at-fault driver doesn’t have enough insurance (or any at all). Without it, you could be left covering those costs yourself.”
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You can use several strategies to lower your car insurance rates, and some may have greater effects for Georgia drivers.
Compare multiple insurers. Comparing rates helps you save. The difference between the average rates with the cheapest and most expensive insurer in Georgia is $3,096 annually, according to our analysis.
Consider a higher deductible. A higher deductible is one way to reduce your auto premiums, as long as you can afford the higher out-of-pocket cost after a claim.
Improve your credit. Georgia drivers with average credit pay about 18% less for car insurance than drivers with poor credit, while drivers with excellent credit pay about 30% less.
Avoid accidents. Drivers with an at-fault accident pay nearly 37% more per month, on average, than drivers with a clean driving record.
Consider telematics programs. Some insurers offer telematics discounts based on your driving habits. For example, State Farm’s Drive Safe & Save program offers Georgia drivers savings up to 30%.
Get quotes from top insurers in the Peach State and save money in minutes.
Here are some useful resources for Georgia drivers.
Georgia Office of the Commissioner of Insurance and Safety Fire (OCI): Learn about required and optional auto coverage, look up licensed insurers and agents, understand how insurers determine rates, and file insurance complaints.
Georgia Department of Driver Services (DDS): Access driver’s license and driving record services, and find information about license suspensions, reinstatements, and related fees.
Georgia Department of Revenue (DOR): Find information about vehicle registration, license plates, insurance requirements, and registration suspensions for insurance lapses.
Georgia’s Attorney General’s Consumer Protection Division: Find information about vehicle-related consumer issues, including Georgia’s Lemon Law and unfair or deceptive business practices.
Georgia General Assembly: Research Georgia insurance laws and legislation, including current bills and auto insurance statutes.
Here are some fast answers to the most common questions Georgia drivers ask about getting car insurance.
Georgia drivers can find the cheapest coverage with Auto-Owners, at an average of $92 per month.
Yes. Progressive is cheaper than GEICO in Georgia, according to Compare.com data. Progressive’s full coverage averages $203 per month, while GEICO charges an average of $278 per month.
Yes. But you can’t self-insure simply by setting aside cash. Georgia drivers must apply for approval from the Georgia Commissioner of Insurance and Safety Fire, show sufficient financial resources to pay claims, and provide a surety bond or approved securities.[5]
Georgia drivers find the cheapest average rates with Auto-Owners, with average premiums of $150 per month. But averages aren’t guarantees, so shop around with multiple companies to find the best rates.
Georgia drivers can usually get lower car insurance premiums by comparing quotes from several insurers and asking about discounts. For example, you may qualify for a bundling discount by buying auto and home or renters insurance with the same company.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates 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 rates listed in this article have been collected 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 readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
