Car Insurance For College Students In Georgia For 2024
I recommend GEICO as the best car insurance company for Georgia college students.
We’ve saved shoppers an average of $600 per year on their car insurance.
I’ve evaluated and compared quotes from various different auto insurance brands. GEICO was found to offer the most affordable and comprehensive coverage for college students in Georgia.
State Farm is a solid option for Georgia college students looking for minimum coverage or a company with great customer service. On the other hand, Progressive was the leading choice for drivers with accidents or violations on their records.
We will explore different companies in this guide and examine how location and age can affect insurance rates for college students across Georgia.
Best Car Insurance For College Students In Georgia, 2024
Compare The Best Car Insurance For College Students In Georgia
| Overall Rating | Best For | JD Power Rating | AM Best Rating | Get A Quote | |
|---|---|---|---|---|---|
| State Farm |
|
Minimum Coverage |
842 |
A++ |
Instant Quote |
| GEICO |
|
Affordable Coverage |
824 |
A++ |
Instant Quote |
| Auto-Owners |
|
Customer Service |
837 |
A++ |
Instant Quote |
| State Farm |
|
Low-Mileage Drivers |
842 |
A++ |
Instant Quote |
| GEICO |
|
Full Coverage |
824 |
A++ |
Instant Quote |
| Progressive |
|
Driving Violations |
853 |
A+ |
Instant Quote |
Best Car Insurance Companies For College Students In Georgia
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Affordability is a major consideration for college students buying their first car insurance policy. GEICO provides young drivers with dependable coverage at an annual rate of about $2,220.
As a leading auto insurance provider for decades, GEICO continues to offer industry-leading rates and excellent customer service. The company has also focused on its digital presence, creating an interactive mobile app and website that make managing account details simple.
Benefits & Drawbacks
⇅- Competitive rates for college students
- Numerous student discounts available
- Mobile app and website designed for easy policy management
- High customer satisfaction levels ✓
- Few local agents available
- No gap or rideshare insurance options offered ✘
Best Minimum Coverage
Key Statistics
Why We Like Them
⇅When choosing minimum coverage, college students should look for a company with a solid reputation for supporting its clients. State Farm is noted for its personalized customer service and offers some of the most budget-friendly rates for young drivers.
State Farm addresses issues swiftly with its fast claims handling and provides individualized customer service. For a minimum coverage policy, Georgia college students can expect to pay approximately $2,100.
Benefits & Drawbacks
⇅- Outstanding customer service team
- Reasonable rates for many college students
- High percentage of policy renewals
- Customized policy management with a strong local agent base ✓
- Fewer customization options than other major providers
- Gap insurance coverage is not included ✘
Info on the category and how it impacts drivers
⇅Minimum coverage policies are often a cost-effective option, but they can leave you vulnerable in the event of an accident. These inexpensive plans cover only the minimum insurance required by the state, so you might have to pay out-of-pocket for any extra expenses.
College students find minimum coverage policies to be a great choice because they provide the legal insurance needed while keeping costs low.
Best Customer Service
Key Statistics
Why We Like Them
⇅Having questions about your auto insurance policy is common for college students. While interactive apps and websites are offered by many insurers, Auto-Owners Insurance enhances the experience by providing access to a live person. The additional support from a local agent can be worth the marginally higher premium.
Besides offering exceptional customer service, the company has various discounts available to reduce costs. College students can expect to pay roughly $1,476 each year for their coverage.
Benefits & Drawbacks
⇅- Values direct relationships with local agents
- Includes accident forgiveness and a diminishing deductible
- Provides a superior customer service experience
- Offers flexible coverage and numerous discounts ✓
- No option for online policy management
- Available only in 26 states
- Quotes must be obtained through agents ✘
Info on the category and how it impacts drivers
⇅The belief that exceptional customer service always comes with a price tag isn’t always accurate. In Georgia, both Auto-Owners Insurance and State Farm are highly rated for customer satisfaction and offer cost-effective options for college students.
Best For Low-Mileage Drivers
Key Statistics
Why We Like Them
⇅For college students, low-mileage policies and discounts can lead to significant savings on car insurance. State Farm offers the most economical choices, with annual policy costs generally around $2,100.
State Farm’s high scores in customer service and financial stability make it a reliable option for college students who are in the market for their first auto insurance policy.
Benefits & Drawbacks
⇅- Provides a usage-based discount program that rewards low-mileage drivers generously.
- Highly regarded for its customer service.
- Policyholders tend to renew and stay with the company at high rates.
- Strong financial ratings from independent evaluators like AM Best. ✓
- Does not include additional coverage options for rideshare or gap insurance.
- Can be more expensive for those with poor credit scores. ✘
Info on the category and how it impacts drivers
⇅As a college student with limited driving during the school year, there’s no need to pay for excessive insurance coverage. You must maintain the state-required minimum auto insurance, but discounts and economical policies can fit your low-mileage needs.
With low-mileage policies, you can often receive discounted rates if you drive fewer miles each year. The mileage limit for these discounts varies among insurers but is usually between 7,500 and 10,000 miles annually.
Best For Motorists With Driving Violations
Key Statistics
Why We Like Them
⇅While Progressive Insurance didn’t offer the lowest rates for standard coverage, they were the best choice for Georgia college students with driving violations. Whether it was a speeding ticket or an accident, Progressive still offered competitive coverage for these drivers.
On average, college students with driving violations pay roughly $3,004 annually for their auto insurance coverage.
Progressive has rideshare coverage available, which is a great option for college students who drive part-time for DoorDash or Lyft.
Benefits & Drawbacks
⇅- Covers veterinary expenses if your pet is hurt in an accident and you have collision insurance
- Reasonable rates for drivers with driving violations
- Rideshare coverage options available as an add-on ✓
- Customer service is considered average
- Customer loyalty ratings are less than average ✘
Info on the category and how it impacts drivers
⇅Traffic violations can cause a significant spike in monthly insurance costs for drivers of all ages. College students, who are already classified as high-risk, are likely to experience an even greater increase following an accident or ticket.
To minimize the impact of a driving violation, you can work with a company like Progressive that specializes in insuring drivers with previous tickets or accidents.
Best Full Coverage
Key Statistics
Why We Like Them
⇅Given that full coverage car insurance is costlier than minimum coverage, choosing a company like GEICO with a reputation for low rates is important. On average, college students in Georgia pay about $3,120 annually for full coverage through GEICO.
Beyond offering affordable coverage, GEICO stands out for its innovation. Their customer-focused website allows policyholders to change their account details swiftly and effortlessly.
Benefits & Drawbacks
⇅- Accident forgiveness available for policyholders
- Discounts offered through a usage-based program
- Low rates for full coverage, especially for college students
- Above-average ratings for customer satisfaction ✓
- Doesn’t provide add-ons for new car replacement or rideshare insurance
- Bundle discounts are less attractive compared to competitors
- Fewer local agents available ✘
Info on the category and how it impacts drivers
⇅College students who often drive to campus or use their car for work should think about choosing full coverage instead of minimum coverage. Full coverage provides extra protection, including liability, comprehensive, and collision.
Full coverage policies offer superior protection, but they come with a higher cost. It’s important to assess whether the added insurance benefits are worth the extra monthly expense.
Average Cost Of Car Insurance For College Students In Georgia – By City
| City | Average Annual Cost (Full Coverage) | Average Monthly Cost |
|---|---|---|
| Atlanta | $2,412 | $201 |
| Augusta | $1,800 | $150 |
| Columbus | $1,872 | $156 |
| Savannah | $1,968 | $164 |
| Athens | $1,776 | $148 |
Average Rates For 18 Year Old College Students In Georgia
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $284 |
| State Farm | $272 |
| Auto-Owners | $190 |
| Allstate | $257 |
| Progressive | $550 |
Average Car Insurance Rates In Georgia For 19 Year Old College Students
| Car Insurance Provider | Average Monthly Cost |
| Auto-Owners | $163 |
| State Farm | $240 |
| GEICO | $238 |
| Allstate | $160 |
| Progressive | $293 |
Average Rates For 20 Year Old College Students In Georgia
| Car Insurance Provider | Average Monthly Cost |
| Auto-Owners | $153 |
| Allstate | $139 |
| Progressive | $253 |
| State Farm | $217 |
| GEICO | $218 |
Car Insurance Rates For 21 Year Old College Students In Georgia
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $190 |
| Allstate | $126 |
| GEICO | $183 |
| Auto-Owners | $136 |
| Progressive | $180 |
Average Rates For 22 Year Old College Students In Georgia
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $185 |
| State Farm | $175 |
| Progressive | $167 |
| Auto-Owners | $123 |
| Allstate | $119 |
Car Insurance Rates In Georgia For 23 Year Old College Students
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $157 |
| State Farm | $158 |
| Progressive | $155 |
| Auto-Owners | $129 |
| Allstate | $116 |
Average Cost Of Car Insurance For 24 Year Old College Students In Georgia
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $152 |
| State Farm | $140 |
| Progressive | $145 |
| Auto-Owners | $107 |
| Allstate | $99 |
Average Rates For 25 Year Old College Students In Georgia
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $134 |
| Progressive | $138 |
| GEICO | $140 |
| Auto-Owners | $106 |
| Allstate | $97 |
Average Cost Of Car Insurance On Family Policy vs. Individual Policy
| Insurance Company | Individual Student Policy | Family Policy |
| State Farm | $190 | $162 |
| Allstate | $126 | $89 |
| GEICO | $183 | $140 |
| Auto-Owners | $136 | $127 |
| Progressive | $180 | $140 |
How Can College Students Save Money On Car Insurance In Georgia
Most college students experience much higher car insurance costs compared to drivers in their mid to late 20s. If you can’t stay on a parent or guardian’s policy, you’ll have to find methods to reduce your monthly insurance payment.
The following suggestions will provide you with ways to lower your car insurance costs.
Security And Safety Improvements
Even though some strategies are geared towards college students, this suggestion works for drivers of all ages. Many insurers will lower your premium if you install security devices or improve your vehicle’s safety features.
Installing anti-theft mechanisms, like a car alarm, can potentially reduce your car insurance policy by as much as 5%.
Affiliation Discounts
Joining clubs and organizations on campus is a popular way for students to become active in university life. These groups can also offer benefits outside the campus, such as unlocking exclusive discounts. Depending on your insurance carrier, membership in a sorority, fraternity, honor society, or alumni organization may reduce your monthly premium.
Used vs. New
Parents frequently purchase new cars for their kids to celebrate graduation. Although these vehicles may offer better gas mileage, they tend to have higher insurance premiums. This is due to the higher costs associated with repairing or replacing a new car.
Student Discounts
Though many are familiar with student discounts for high academic performance, there are additional discounts available to college students, including:
- Driver’s education discount
- Discount for college students living at a distance
- Discount for maintaining a clean driving record
Do College Students Need Their Own Insurance, or Can They Stay On A Parent’s?
Though insurance usually has clear answers, whether or not you need your own policy as a college student will depend on different factors. Let’s consider situations where staying on your family plan is possible and where you might need individual coverage.
Purchasing Coverage As A College Student
A college student typically needs to purchase their own insurance if they change their address. When they establish a permanent residence separate from their parents, a new car insurance policy is necessary.
Keeping Students On A Family Car Insurance Policy
There’s no age limit for car insurance like there is for health insurance, so children can remain on their parent’s policy. If they live at home or use their parents’ permanent address while in college, they can continue to be covered under the auto insurance policy.
Common Auto Insurance Claims In Georgia
There are four primary types of auto insurance claims in Georgia, which include.
- Comprehensive Claims (2.81 incidents per 100 vehicle years)
- Collision Claims (5.8 incidents per 100 vehicle years)
- Property Damage Claims (3.36 incidents per 100 vehicle years)
- Bodily Injury Claims (0.95 incidents per 100 vehicle years)
Temporary Car Insurance
Though not all car insurance companies offer temporary policies, this option can be perfect for college students who won’t be driving often.
Typically, temporary auto insurance policies offer six-month coverage, allowing customers to cancel after the period ends. This is beneficial for college students who don’t need extra coverage during the school year or those studying abroad for a semester.
Try Usage-Based Car Insurance
Like telematics, usage-based car insurance monitors driving habits, but it includes another element that is particularly attractive to college students.
Usage-based car insurance provides discounts and lower premiums when you drive fewer miles each year. These “Pay-Per-Mile” plans are an effective way to get affordable coverage if your car spends most of the school year in the dorm lot or at home.
Telematics Car Insurance For College Students
As a college student, it’s important to explore creative ways to save on car insurance. Telematics offers one of the most effective options for lowering your monthly premium.
Insurance companies use telematics devices to track how you drive. If you drive safely, you’ll enjoy better rates and are more likely to qualify for discounts as a safe driver.
How To Get Discounts
College students often face high car insurance costs, particularly if they have tickets or accidents on their record. Utilizing carrier-provided discounts is one way to help reduce those costs.
While discounts vary between car insurance companies, consider these options before purchasing a plan:
- Paid in full
- Multi-vehicle
- Multi-policy
- Military
- Student away
- Good student
- Safe driver
- Defensive driving
- Low mileage
- Accident-free
How To Buy Car Insurance As A College Student In Georgia
For college students, purchasing your initial auto insurance policy can be a challenge. Fortunately, platforms like Insuranceopedia streamline the experience and make it more enjoyable.
These websites allow for fast comparison of rates from various insurers, but having some information prepared is key to navigating the process. Here’s a rundown of the steps to follow when buying your next auto insurance policy:
- Be sure to have all necessary details on hand, like vehicle info, driver’s license numbers, personal data, and driving history.
- Figure out the required coverage for Georgia law compliance.
- Choose between purchasing your policy online or through a local agent.
- Compare quotes from a minimum of three different car insurance companies.
- Purchase the policy and notify your previous insurance company.
Our Methodology
We analyzed findings from numerous car insurance review sites to determine the cheapest rates for Georgia college students, some of which relied on public rate filings from Quadrant Information Services. Our evaluation also benefited from our team's 25 years of combined insurance expertise. It's important to understand that, although the rates in this guide are accurate, premiums can vary daily and are subject to change depending on the specific driver.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the best car insurance for college students in Georgia?
In general, GEICO provides the most affordable car insurance for college students. However, depending on your driving record and the type of coverage you need, Progressive and State Farm should also be on your radar when shopping for insurance in Georgia.
Do college students need car insurance in Georgia?
Car insurance is a requirement for everyone in Georgia who plans to drive. College students can either keep their parents’ policy while living at home or purchase their own coverage when they move away.
Is car insurance more expensive for college students in Georgia?
In Georgia, car insurance tends to be more expensive for younger drivers. While college students usually enjoy lower rates than 16-year-olds, their premiums are still considerably higher than those for 25-year-olds.
How can you add a college student to a family policy?
To add a college student to your family plan, speak with your insurance provider before they start college. Typically, insurers will need the student’s updated zip code and confirmation that their primary residence is still the family home. Additional requirements may be needed for students studying out-of-state.
Can you stay on your parents’ car insurance if you move out?
One advantage of keeping your primary residence with your parents as a college student is that you can remain on their car insurance. But once you officially move out and have a new permanent address, you’ll need to obtain your own auto insurance.
