Cheapest Car Insurance In Georgia For 2024
Auto-Owners offers the cheapest liability-only coverage in Georgia, with average premiums of $38 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for budget-friendly car insurance in Georgia can be tricky, but it doesn’t have to be overwhelming. Auto-Owners is a top-rated insurance company, known for offering reasonable rates and solid customer service. Whether you need basic liability or full coverage, they’ve got options. With rising living expenses, getting the most affordable car insurance without sacrificing necessary coverage is vital.
Whether you’re new to driving, have years of experience, or need coverage for the whole family, knowing the factors that impact insurance prices and where to find good deals can help you save. After more than a decade of studying insurance trends, I’ve put together this guide to simplify your search for affordable car insurance.
Cheapest Car Insurance In Georgia, 2024
Cheapest Liability-Only Car Insurance In Georgia: Auto-Owners
Auto-Owners offers the lowest prices for minimum coverage in Georgia, with monthly premiums averaging just $38.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $38 | $454 |
| Georgia Farm Bureau | $42 | $502 |
| Geico | $43 | $521 |
| Allstate | $54 | $648 |
| Mercury | $55 | $661 |
Georgia law requires all drivers to carry at least the minimum car insurance coverage to legally operate a vehicle. This minimum insurance typically includes liability coverage, which consists of two key parts: bodily injury liability and property damage liability. Bodily injury liability helps cover medical costs, rehabilitation, and legal fees if you’re responsible for an accident that injures someone.
Property damage liability, on the other hand, covers the cost of repairing or replacing another person’s vehicle or property if you’re at fault. These minimum coverage amounts are mandated by the state, though they can vary based on factors such as your vehicle type and driving record. It’s important to know the requirements to make sure you’re adequately covered and financially secure in case of an accident.
Cheapest Full-Coverage Car Insurance In Georgia: Auto-Owners
In Georgia, Auto-Owners provides the lowest prices for comprehensive car insurance, with an average monthly cost of $133.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $133 | $1,601 |
| Allstate | $150 | $1,795 |
| State Farm | $187 | $2,249 |
| Geico | $189 | $2,274 |
| Progressive | $201 | $2,415 |
In Georgia, full coverage auto insurance offers broad protection for drivers and their vehicles. It includes state-required liability coverage along with additional options like collision and comprehensive insurance. Collision coverage helps pay for damage to your vehicle in an accident, no matter who’s at fault. Comprehensive coverage handles non-collision-related damages, such as theft, fire, or weather-related incidents.
Full coverage gives drivers extra financial security, protecting them from a wide range of risks. It’s important to carefully review your policy’s terms, limits, and deductibles to make sure it meets your specific needs.
Cheapest Auto Insurance In Georgia For Seniors: Country Financial
Seniors in Georgia can get the best rates with Country Financial, paying just $66 per month on average.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $66 | $795 |
| Auto-Owners Insurance | $75 | $901 |
| Allstate | $93 | $1,121 |
| GEICO | $101 | $1,217 |
| Mercury | $107 | $1,283 |
Cheapest Car Insurance In Georgia For Drivers With Poor Credit: Country Financial
Country Financial provides the most affordable rates in Georgia for drivers with poor credit, with an average monthly payment of $100.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $100 | $1,198 |
| Geico | $158 | $1,894 |
| Mercury | $180 | $2,158 |
| Progressive | $250 | $2,998 |
| Auto-Owners Insurance | $240 | $2,878 |
Credit scores play a significant role in how insurance companies evaluate risk, with lower scores often leading to higher car insurance rates. Drivers in Georgia with poor credit may be considered higher risk by insurers, which can result in more expensive premiums. Since credit history is often used to calculate insurance costs, drivers with less-than-perfect credit may need to shop around for the best rates and explore discounts to find affordable coverage options.
Cheapest Georgia Car Insurance For Young Drivers
Young adult drivers in Georgia often qualify for lower car insurance rates compared to teenagers. This is because as they age, they typically adopt safer driving habits, leading to fewer accidents and claims. Insurance companies factor in these behaviors and offer reduced premiums to young adults based on their improved driving records.
Cheapest Georgia Car Insurance For 16-Year-Olds: Central Insurance
Central Insurance provides the lowest prices for drivers aged sixteen, averaging $362 each month.
| Provider | Average Annual Cost | Average Monthly Cost |
| Auto-Owners Insurance | $5,158 | $430 |
| Country Financial | $4,618 | $385 |
| USAA | $5,398 | $450 |
| Central Insurance | $4,342 | $362 |
Cheap Georgia Car Insurance For 17-Year-Olds: Central Insurance
Central Insurance provides the least expensive coverage options for teenagers aged 17, averaging a premium of $350.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $408 | $4,894 |
| Auto-Owners Insurance | $440 | $5,278 |
| Country Financial | $382 | $4,582 |
| Geico | $500 | $5,998 |
| Central Insurance | $350 | $4,198 |
Cheapest Georgia Car Insurance For 18-Year-Olds: Central Insurance
Central Insurance provides the lowest prices for 18-year-olds, with a typical monthly cost of $322.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $380 | $4,558 |
| Geico | $444 | $5,326 |
| Auto-Owners Insurance | $430 | $5,158 |
| Central Insurance | $322 | $3,862 |
| Country Financial | $360 | $4,318 |
Cheapest Georgia Car Insurance For 21-Year-Olds: Central Insurance
If you’re 21, Central Insurance provides the lowest premiums, typically around $235 each month.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $246 | $2,950 |
| Geico | $312 | $3,742 |
| Auto-Owners Insurance | $332 | $3,982 |
| Central Insurance | $235 | $2,818 |
| Country Financial | $300 | $3,598 |
Find Affordable Insurance In Georgia
Most Affordable Car Insurance In Georgia For Drivers With Prior Incidents
Drivers in Georgia who have experienced accidents, speeding violations, or DUIs often encounter difficulties finding affordable car insurance. These incidents label them as high-risk to insurers, resulting in increased premiums to offset the expected rise in claims. This situation is particularly noticeable in Georgia due to its higher incidence of traffic accidents.
Insurers use statistical analyses to set their rates, which show a connection between past driving incidents and a higher likelihood of future claims.
Cheapest Auto Insurance For Drivers With A Speeding Ticket: Georgia Farm Bureau
With an average premium of $124, Georgia Farm Bureau stands out as the most economical choice for drivers who have received a speeding ticket.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| Georgia Farm Bureau | $124 | $1,486 |
| Auto-Owners | $126 | $1,510 |
| USAA | $172 | $2,058 |
| Allstate | $189 | $2,270 |
| Geico | $235 | $2,818 |
Cheapest For Drivers With An At-Fault Accident: Georgia Farm Bureau
Drivers with at-fault accidents can benefit from Georgia Farm Bureau $124 average premiums, the most affordable choice available.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| Progressive | $335 | $4,018 |
| Georgia Farm Bureau | $124 | $1,486 |
| Auto-owners | $180 | $2,161 |
| State Farm | $186 | $2,232 |
| USAA | $190 | $2,278 |
Cheapest Auto Insurance In Georgia For Drivers After A DUI: Georgia Farm Bureau
Drivers with a DUI can find Georgia Farm Bureau $220 premiums to be the most economical.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $492 | $5,902 |
| Auto-Owners | $236 | $2,830 |
| Progressive | $280 | $3,358 |
| Farm Bureau | $220 | $2,638 |
| USAA | $264 | $3,166 |
Cheapest Car Insurance In Georgia For Good Drivers
Auto-Owners offers the cheapest policy for drivers with a clean record, at an average monthly premium of $38.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $38 | $454 |
| Georgia Farm Bureau | $42 | $502 |
| Geico | $43 | $521 |
| Allstate | $54 | $648 |
| Mercury | $55 | $661 |
In Georgia, car insurance prices for safe drivers can fluctuate based on factors such as their driving history, age, and preferred coverage options. Typically, drivers with clean records may benefit from lower premiums because they are perceived as less risky by insurers. They may also qualify for additional discounts for maintaining a good driving record over time.
It’s recommended that safe drivers compare quotes from multiple insurance providers to find competitive rates and coverage that best fit their needs.
In Georgia, car insurance prices for safe drivers can fluctuate based on factors such as their driving history, age, and preferred coverage options. Typically, drivers with clean records may benefit from lower premiums because they are perceived as less risky by insurers. They may also qualify for additional discounts for maintaining a good driving record over time.
It’s recommended that safe drivers compare quotes from multiple insurance providers to find competitive rates and coverage that best fit their needs.
Average Cost Of Car Insurance In Georgia – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $385 | $4,618 |
| 25 | $278 | $3,334 |
| 35 | $244 | $2,926 |
| 45 | $220 | $2,638 |
| 55 | $202 | $2,422 |
Average Cost In Georgia – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,100 |
| Male | Single | $1,198 |
| Female | Married | $2,100 |
| Male | Married | $2,160 |
Average Cost In Georgia – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $168 | $2,014 |
| Good | $190 | $2,278 |
| Poor | $204 | $2,457 |
Cheapest Car Insurance In Georgia – By City
| City | Average Monthly Cost | Average Annual Cost |
| Albany | $130 | $1,558 |
| Peachtree City | $218 | $2,614 |
| Milton | $126 | $1,512 |
| Marietta | $140 | $1,836 |
| Atlanta | $195 | $2,338 |
Minimum Car Insurance Requirements In Georgia
Georgia mandates that drivers carry at least minimum liability insurance, which typically includes bodily injury and property damage coverage. These limits are usually stated as 25/50/25, providing $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $5,000 for property damage.
The state also requires Personal Injury Protection (PIP) to cover medical bills and lost wages, regardless of fault. Drivers can opt for the Health Insurance Primary (HIP) option, where their health insurance takes over medical coverage, but this option isn’t available for all health plans.
Car Insurance Discounts In Georgia
Exploring car insurance providers that offer discounts tailored to your needs can lead to substantial savings. Additionally, it’s worth discussing potential discounts with your insurance agent. Common discounts include:
- Safe Driver Discount: Given to drivers with a clean record.
- Multi-Vehicle Discount: Available when multiple cars are insured under one policy.
- Bundling Discount: Savings for combining auto insurance with other types of coverage, like homeowners.
- Good Student Discount: Awarded to students who maintain good grades.
- Defensive Driving Discount: Completing a defensive driving course may reduce your insurance premiums.
Find Affordable Insurance In Georgia
Our Methodology
During our research, I utilized a systematic method to gather and analyze data concerning various car insurance companies and their policies. Initially, I pinpointed critical factors to evaluate, such as coverage options, pricing, customer satisfaction ratings, and the financial strength of insurers. Subsequently, I gathered information from reliable sources like insurer websites, consumer review platforms, and industry reports. Once the data was compiled, I categorized it and assessed each insurer based on predetermined criteria. This process involved comparing coverage options, premium rates, discounts, and customer feedback to ascertain the merits and drawbacks of each provider.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
How much is car insurance a month in Georgia?
In Georgia, the typical monthly expense for car insurance changes based on age, driving background, and the insurance coverage opted for.
What is the minimum car insurance one must have in Georgia?
Georgia mandates that drivers carry a minimum level of car insurance, covering bodily injury and property damage liability, along with Personal Injury Protection (PIP) coverage.
Which insurance is better in Georgia?
Finding the ideal insurance in Georgia hinges on personal choices, driving behavior, and coverage requirements. It’s smart to shop around and compare quotes from different insurers to find your best match.
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