The cheapest car insurance in Georgia is usually Farm Bureau for full coverage and Auto-Owners if you want the bare minimum. However, you might find a less expensive quote at a different insurer, depending on your situation.
Below are the insurers with the most affordable car insurance for different scenarios, including Georgia drivers with an accident or infraction on their record.
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Drivers in Georgia find the cheapest full-coverage car insurance with Farm Bureau, at an average rate of $1,334 a year.
Auto-Owners is the next most affordable, followed by Allstate. USAA also has a relatively low rate, but it only provides insurance products to past and current military members and their families.
Cheapest companies for full-coverage car insurance
| Company | Average annual rate |
|---|---|
| Farm Bureau | $1,334 |
| Auto-Owners | $1,458 |
| Allstate | $1,869 |
| State Farm | $1,927 |
| Geico | $2,288 |
| Progressive | $2,383 |
| USAA* | $1,562 |
Rates are for full-coverage car insurance for a 30-year-old male with a clean driving record.
*USAA coverage is limited to military and their families
Full-coverage car insurance isn’t actually a type of policy — it’s a combination of liability, collision and comprehensive coverage.
Collision coverage takes care of your damages after an accident, and comprehensive coverage handles non-collision damage, as well as auto theft and vandalism.
Cheapest Georgia liability-only coverage: Auto-Owners
Auto-Owners has the lowest rate for Georgia drivers looking for liability-only car insurance, at $500 a year.
Farm Bureau has the second cheapest rate — at $569 — followed by Progressive in third place.
Cheapest companies for liability car insurance in Georgia
| Company | Average annual rate |
|---|---|
| Auto-Owners | $500 |
| Farm Bureau | $569 |
| Progressive | $838 |
| State Farm | $970 |
| Geico | $971 |
| Allstate | $972 |
| USAA* | $711 |
Rates are for liability-only car insurance for a 30-year-old male with a clean driving record.
*USAA coverage is limited to military and their families
Liability-only car insurance covers the medical bills of others and your court costs that result from an accident you’re responsible for.
Farm Bureau has the cheapest average liability-only rates for Georgia teens, at $1,876 a year. Auto-Owners is the next most affordable.
Cheapest car insurance companies for teens
| Company | Average annual rate |
|---|---|
| Farm Bureau | $1,876 |
| Auto-Owners | $1,936 |
| State Farm | $3,370 |
| Allstate | $3,386 |
| Geico | $3,403 |
| Progressive | $4,450 |
| USAA* | $1,768 |
Rates are for liability-only car insurance for an 18-year-old male with a clean driving record.
*USAA coverage is limited to military and their families
Car insurance for young drivers tends to be the highest for any age group. Insurers see teens as being risky to cover, due to their inexperience at driving.
A good way to lower car insurance costs for a teen living in your home is to add them to your own current policy. While this will raise your rates, it should still be cheaper than if you and the teen had separate policies.
Cheapest rates after a speeding ticket in Georgia: Auto-Owners
For Georgia drivers with a traffic ticket on their record, Auto-Owners usually offers the cheapest rate, with an average of $1,458 a year. Farm Bureau is practically just as affordable, with an average rate of $1,460.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| Auto-Owners | $1,458 |
| Farm Bureau | $1,460 |
| State Farm | $2,065 |
| Allstate | $2,113 |
| Geico | $2,768 |
| Progressive | $3,201 |
| USAA* | $1,936 |
Rates are for full-coverage car insurance for a 30-year-old male with one speeding ticket.
*USAA coverage is limited to military and their families
In Georgia, a speeding ticket usually stays on your record for two years. You will probably see higher car insurance rates during that time.
Farm Bureau generally has the most affordable auto insurance rates for Georgia drivers with an at-fault accident on their record, with an average rate of $1,460 a year.
Auto-Owners is the next cheapest, though at an average of $2,083, it usually costs much more than a Farm Bureau policy.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| Farm Bureau | $1,460 |
| Auto-Owners | $2,083 |
| State Farm | $2,238 |
| Allstate | $2,891 |
| Progressive | $3,995 |
| Geico | $4,099 |
| USAA* | $2,258 |
Rates are for full-coverage car insurance for a 30-year-old male with one accident.
*USAA coverage is limited to military and their families
Best rates after a DUI in Georgia: Allstate
At $2,523 a year, Allstate has the cheapest car insurance rates for Georgia drivers with a DUI (driving under the influence) conviction on their record.
Farm Bureau is the next cheapest at $2,580 a year.
Cheapest car insurance companies after a DUI
| Company | Average annual rate |
|---|---|
| Allstate | $2,523 |
| Farm Bureau | $2,580 |
| Auto-Owners | $2,760 |
| Progressive | $3,266 |
| State Farm | $5,873 |
| Geico | $6,967 |
| USAA* | $3,134 |
Rates are for full-coverage car insurance for a 30-year-old male with one DUI.
*USAA coverage is limited to military and their families
You will almost certainly see your auto insurance rates increase after a DUI, since insurance companies consider drivers with a DUI to be some of the highest risks for an accident. You may even see your policy canceled or be denied a new one.
If you have your license suspended because of a DUI, then you will need to file an SR-22 with the DMV in order to get it reinstated.
The SR-22 is proof that you carry Georgia’s minimum required liability insurance. You are required to carry the SR-22 for three consecutive years.
Farm Bureau has the cheapest average rate for Georgia drivers with poor credit, at $1,334 a year, while Allstate is the next-least expensive.
Cheapest car insurance companies for drivers with poor credit
| Company | Average annual rate |
|---|---|
| Farm Bureau | $1,334 |
| Allstate | $2,796 |
| Geico | $3,276 |
| Progressive | $3,633 |
| Auto-Owners | $3,801 |
| State Farm | $7,392 |
| USAA* | $2,855 |
Rates are for full-coverage car insurance for a 30-year-old male with poor credit.
*USAA coverage is limited to military and their families
Poor credit can raise your car insurance rates, as insurers consider drivers with a low credit score as more likely to file a claim. However, credit-based insurance scoring is still a controversial issue, with some states limiting the practice.
Georgia insurance rates by city
Of the 25 biggest cities in Georgia, Valdosta has the cheapest car insurance rates, with an average of $1,379 a year.
East Point, in Fulton County, GA, has the most expensive average rates, at $2,607 yearly.
Car insurance rates by city in Georgia
| City | Annual rate |
|---|---|
| Albany | $1,608 |
| Alpharetta | $1,911 |
| Athens | $1,660 |
| Atlanta | $2,289 |
| Augusta | $1,712 |
| Canton | $1,789 |
| Columbus | $1,777 |
| Douglasville | $2,155 |
| Dunwoody | $2,022 |
| East Point | $2,607 |
| Gainesville | $1,785 |
| Johns Creek | $2,015 |
| Marietta | $2,093 |
| Milton | $1,875 |
| Newnan | $1,786 |
| Peachtree City | $1,751 |
| Rome | $1,726 |
| Roswell | $1,923 |
| Sandy Springs | $1,985 |
| Savannah | $1,875 |
| Smyrna | $2,078 |
| Tucker | $2,168 |
| Valdosta | $1,379 |
| Warner Robins | $1,719 |
| Woodstock | $1,882 |
Rates are for full-coverage car insurance for a 30-year-old male with a clean driving record.
Minimum coverage for car insurance in Georgia
Georgia state law requires drivers to carry the following liability car insurance limits:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage
Unless stated otherwise, we looked at thousands of car insurance quotes in Georgia for a 30-year-old man with good credit and no tickets, accidents or convictions for driving under the influence, using a 2015 Honda Civic EX.
The following coverage limits were used:
- Bodily injury liability: 50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive $500 deductible
Expert Introduction: I'm well-versed in the field of insurance, particularly car insurance, and have a deep understanding of the factors that influence insurance rates. I have extensive experience in analyzing and comparing insurance policies, as well as staying updated with the latest trends and regulations in the industry. My expertise is demonstrated through a thorough understanding of the various coverage options, factors affecting insurance rates, and the specific considerations for different demographics, such as young drivers, individuals with poor credit, and those with driving infractions. Additionally, I have a comprehensive understanding of the legal requirements for car insurance in different states, including Georgia.
Cheapest Car Insurance in Georgia: In Georgia, the cheapest car insurance for full coverage is typically offered by Farm Bureau, with an average annual rate of $1,334, followed by Auto-Owners at $1,458. For liability-only coverage, Auto-Owners provides the lowest rate at $500 per year, while for teens, Farm Bureau offers the most affordable liability-only coverage at $1,876 annually. After a speeding ticket, Auto-Owners and Farm Bureau generally provide the cheapest rates, and after an at-fault accident, Farm Bureau remains the most affordable option. For individuals with poor credit, Farm Bureau also offers the cheapest average rate at $1,334 per year. It's important to note that these rates are subject to change based on individual circ*mstances and driving history.
Understanding Full-Coverage Car Insurance: Full-coverage car insurance is not a specific policy type but rather a combination of liability, collision, and comprehensive coverage. Collision coverage handles damages after an accident, while comprehensive coverage deals with non-collision damage, auto theft, and vandalism.
Impact of Driving Infractions: Having a speeding ticket or an at-fault accident on your record can significantly impact your car insurance rates. For example, in Georgia, a speeding ticket typically stays on your record for two years, leading to higher insurance rates during that time. Similarly, a DUI conviction can result in substantially higher insurance rates, with Allstate offering the cheapest rates for drivers with a DUI at $2,523 annually.
Other Factors Affecting Rates: In addition to driving infractions, factors such as credit score and age also play a significant role in determining car insurance rates. For instance, car insurance for young drivers, particularly teens, tends to be the highest due to their perceived riskiness as inexperienced drivers.
Georgia Insurance Rates by City: The average car insurance rates in Georgia vary by city, with Valdosta having the cheapest rates at $1,379 annually and East Point, in Fulton County, GA, having the most expensive average rates at $2,607 yearly.
Minimum Coverage Requirements in Georgia: Georgia state law mandates drivers to carry specific liability car insurance limits, including $25,000 bodily injury coverage per person, $50,000 bodily injury coverage per accident, and $25,000 property damage coverage.
By considering these factors and understanding the various coverage options, individuals can make informed decisions when selecting car insurance in Georgia.
