How to find the cheapest car insurance quotes in Georgia
There’s no finding the one and only “cheapest” car insurance company that suits everyone. That’s why it’s essential to compare quotes from various car insurance providers to ensure you find the best coverage at the most affordable price.
Jerry has become the go-to destination for thousands of savvy car insurance shoppers in Georgia. We’ve made it simple to compare and buy car insurance—without endless paperwork, phone calls, and confusion!
Check out these real quotes Jerry found for Georgia drivers below:
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| National General | $260 | Ronnie, 35, College Park, GA | Gmc Acadia Sle | State Minimum | Yes |
| Progressive | $249 | Della, 33, Macon, GA | Chevrolet Trax Ls | State Minimum | Yes |
| Progressive | $232 | Ann, 50, Norcross, GA | Toyota Venza Le | State Minimum | Yes |
| Bristol West | $99 | Marguerite, 38, Ringgold, GA | Mazda B3000 Cab Plus | State Minimum | No |
| The General | $656 | Samuel, 24, Lithonia, GA | Dodge Avenger Se | State Minimum | No |
Cheapest Georgia car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Georgia can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
| Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
| Mikayla, 25 Buford, GA | 86 | 33% | No | – 50/100 – Comp/Collision |
| Matthew, 34 Hawkinsville, GA | 92 | 34% | No | – 50/100 – Comp/Collision |
| Sherry, 44 Hiawassee, GA | 83 | 28% | No | – 26/52 – Comp/Collision |
| Lisa, 54 Winston, GA | 96 | 38% | No | – 50/100 – Comp/Collision |
| Benjamin, 64 Sharpsburg, GA | 88 | 29% | No | – State Minimum Liability – Comp/Collision |
Cheapest Car Insurance Companies in Georgia
Curious about which insurance company provides the most competitive car insurance rates in Georgia? Jerry has conducted the largest insurance shopping survey in the nation to find out
GEICO and State Farm are often named as the cheapest and best car insurance companies in Georgia—but while they hold the biggest market shares, they’re not necessarily the best insurers for every driver.
Our survey results showed a different picture. Drivers in Georgia rated smaller insurance companies like Clearcover, Gainsco, Safeco, and Mercury much higher than the big-name carriers. State Farm and GEICO scored 3.4 and 3.3 out of 5.0 for policy cost, while Mercury Auto scored a perfect 5.0 for both policy costs and customer service.
Check out how real Jerry users rated these insurance companies below:
| Insurance Company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Sun Coast General | October 27, 2024 | 4 | “Payment didn’t seem right at first but when I had a a minor issue with my vehicle…. Baby the payment said Boom 💥” -Cody |
| Allstate | October 24, 2024 | 5 | “I currently pay $540 for full coverage. It’s kickin my @#$%&! at the moment “ -Nellie |
| Amica | October 21, 2024 | 5 | “Reasonable quotes for full coverage “ -Roxie |
| AAA | October 21, 2024 | 3 | “Never have used them!! Have read reviews about this company!!” -Olive |
| State Farm | October 18, 2024 | 3 | “I didn’t have Allstate personally, but they were very slow when it came to a claim their client filed” -Janie |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
The quickest way to compare car insurance quotes online is to find a car insurance comparison app or website. Jerry, a top insurance agency, has a free app that lets you compare quotes and offers personalized service through a team of 100+ licensed insurance agents.
Minimum liability and full coverage
To comply with state regulations, all drivers in Georgia must carry minimum liability coverage. Depending on your circumstances, you might choose to add full coverage to your policy to protect against damages to your vehicle.
Cheapest minimum liability coverage car insurance quotes in Georgia
In order to drive legally in Georgia, drivers must fulfill the state’s minimum liability coverage requirements.
In Georgia, these requirements are $25,000 per person and $50,000 per accident for bodily injury liability coverage, along with $25,000 for property damage liability coverage per accident. This coverage combination is commonly known as 25/50/25 coverage.
Do you need more than minimum coverage in Georgia?
Most drivers in Georgia should consider coverage that exceeds the state’s minimum requirement of 25/50/25.
In the event of an at-fault accident, the expenses for medical bills and vehicle repairs could surpass the 25/50/25 coverage limit, especially if another person is seriously injured. Moreover, the cost of replacing a totaled vehicle can exceed $40,000, which makes for high out of pocket costs.
Cheapest full coverage car insurance quotes in Georgia
Although not required by law, carrying full coverage car insurance is the only way to cover the expenses involved in repairing or replacing your vehicle.
Full auto insurance coverage includes comprehensive and collision coverage. Collision insurance covers the costs of repairing or replacing your car following an accident, while comprehensive insurance covers theft or damages caused by non-collision incidents.
If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid the car off.
Check out real insurance quotes for different coverage levels here:
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | Yes | National General | $260 | Ronnie, 35, College Park, GA | Gmc Acadia Sle |
| State Minimum | Yes | Progressive | $249 | Della, 33, Macon, GA | Chevrolet Trax Ls |
| State Minimum | Yes | Progressive | $232 | Ann, 50, Norcross, GA | Toyota Venza Le |
| State Minimum | No | Bristol West | $99 | Marguerite, 38, Ringgold, GA | Mazda B3000 Cab Plus |
| State Minimum | No | The General | $656 | Samuel, 24, Lithonia, GA | Dodge Avenger Se |
Average rates for state minimum liability coverage and full coverage
Based on our experience working with thousands of insurance policyholders in Georgia, we found that the average monthly cost of minimum liability coverage is $160, while the average annual cost of coverage amounts to $1,921. On the other hand, the average monthly cost for full coverage insurance in Georgia stands at $241, with an annual cost averaging $2,890.
Although average insurance rates can help you estimate your personal insurance costs, it’s important to recognize that each driver’s insurance premium is determined by a ton of factors, including the type of car you drive, your driving record, claims history, and demographics.
Georgia car insurance: Additional coverage options
In addition to standard car insurance coverage, Georgia drivers may want to consider additional types of coverage, such as:
- Medical payments coverage
- Personal injury protection (PIP) coverage
- Uninsured motorist coverage
- Towing and labor coverage
- Rental reimbursement coverage
For those who have a car loan, gap insurance may also be a wise choice. This type of insurance covers the difference between the car’s actual cash value and the amount owed on the loan if the car is stolen or totaled.
Non-owner car insurance may be a good option for those who don’t own a car and regularly borrow or rent one. This type of coverage provides liability protection for bodily injury and property damage caused by the driver, but it doesn’t cover damages to the vehicle or the driver’s own injuries.
Factors affecting car insurance premiums in Georgia
Various factors can impact car insurance premiums in Georgia, including:
- Driving record and claims history: If you have a history of violations, insurance providers may charge you higher premiums.
- Location: Where you live, including your city and ZIP code, can also impact your rates.
- Vehicle type: Certain types of cars, such as luxury, high-performance, and sports cars, may have higher collision and comprehensive coverage rates.
- Usage: If you use your car for work or business purposes, your insurance premium may be higher than if you only use it for personal reasons.
- Credit score: Drivers with higher credit scores often pay lower premiums for the same level of coverage.
Georgia car insurance rates following a driving violation
In Georgia, a driver’s history of violations can have a significant impact on their car insurance rates. Insurance providers typically consider drivers with a record of violations to be high-risk, resulting in higher premiums.
How to find cheap car insurance in Georgia after a speeding ticket
In Georgia, there are different degrees of speeding with corresponding penalties, including:
- 1-14 MPH over limit: No points on license
- 15-18 MPH over limit: 2 points on license
- 19-23 MPH over limit: 3 points on license
- 24-33 MPH over limit: 4 points on license, mandatory court appearance, and possible suspension
- 34 MPH or more over limit: 6 points on license, mandatory court appearance, and possible suspension¹
Receiving a speeding ticket can impact your car insurance rates, and the severity of the offense will determine the extent of the premium increase. However, Georgia drivers with speeding tickets can still save on car insurance by exploring their options with Jerry.
See what real Jerry users with various speeding violations on their record paid for insurance:
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding 21+ | Progressive | $249 | Della, 33, Macon, GA | State Minimum | Yes |
| Speeding Violation-Minor | The General | $186 | Alice, 39, Rome, GA | State Minimum | No |
| Speeding 16-20 | The General | $246 | Logan, 37, Riverdale, GA | State Minimum | No |
| Speeding 21+ | Progressive | $224 | Harvey, 49, Woodbine, GA | State Minimum | No |
| Speeding 16-20 | Gainsco | $780 | Rosa, 49, Marietta, GA | State Minimum | No |
How to find cheap Georgia auto insurance after a DUI
In Georgia, a DUI conviction can also have a significant impact on your car insurance rates. Auto insurance companies generally consider DUI offenders to be high-risk drivers, resulting in higher premiums.
If you have a DUI on your driver profile, it’s important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can assist you in finding the best rates for auto insurance even after a DUI conviction.
Georgia SR-22 insurance
In Georgia, an SR-22 certificate may be required if you have committed a serious driving violation or have been caught driving without proper insurance. An SR-22 is a legal document that proves that you have the minimum liability insurance coverage required by Georgia state law.
Other situations that may require an SR-22 in Georgia include:
- Being at fault in a car accident and not having insurance or insufficient insurance to cover the damages
- Driving with a suspended or revoked license
- Committing multiple traffic violations and accumulating too many points on your driving record
Georgia also uses something called an SR-22A certificate for habitual offenders—that is, drivers with a high number of serious violations on their Georgia driving record over a short period of time.
If you need an SR-22 in Georgia, you must contact an insurance company authorized to provide SR-22 certificates. They will file the SR-22 with the Georgia Department of Driver Services (DDS) on your behalf. However, it’s important to note that an SR-22 may result in higher insurance premiums due to the high-risk nature of the violations that typically require it.
Cheapest Georgia auto insurance after an at-fault accident
In Georgia, your accident history can have a significant impact on your car insurance rates. If you have been involved in an at-fault accident, your car insurance rates could significantly increase. Insurance companies in Georgia look at your past accidents where you were at fault to determine the level of risk you pose to your insurer.
To find cheap auto insurance after an at-fault accident in Georgia, it’s important to shop around and compare rates from multiple insurance companies. This can help you find the most affordable option for your needs.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Not At Fault | Progressive | $249 | Della, 33, Macon, GA | State Minimum | Yes |
| Not At Fault | Progressive | $232 | Ann, 50, Norcross, GA | State Minimum | Yes |
| At Fault With No Injury | The General | $656 | Samuel, 24, Lithonia, GA | State Minimum | No |
| At Fault With No Injury | National General | $318 | Mildred, 53, Auburn, GA | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $217 | Mittie, 37, Resaca, GA | State Minimum | No |
FAQ
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Is Georgia a no-fault state?
Cheapest auto insurance after other violations
If you’ve been cited for a driving violation such as reckless driving, driving without a license, or careless driving, your car insurance premiums in Georgia may increase significantly. Insurance companies often consider drivers with these types of violations as high-risk and charge higher rates as a result.
Here’s a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Following too Closely | The General | $313 | Lester, 47, Lawrenceville, GA | State Minimum | No |
| Driving on Sus. License | National General | $158 | Maud, 27, Dalton, GA | State Minimum | No |
| Ticket Violation Not Listed | Assurance America | $489 | Michael, 29, Fairburn, GA | State Minimum | Yes |
| Failure to Yield | Bristol West | $176 | Virgie, 41, Greenville, GA | State Minimum | No |
| Following too Closely | Progressive | $86 | Pauline, 63, Smyrna, GA | 100/300 | Yes |
Finding affordable auto insurance in Georgia based on insurance history
Your insurance history can have a significant impact on your auto insurance rates. If you have had a lapse in coverage or have been uninsured, you may be considered a high-risk driver, which can result in higher premiums.
Jerry offers payment reminders to eligible customers in Georgia to help them make payments on time and avoid a lapse in coverage. We’ve also helped many Georgia drivers who are currently uninsured or have had a lapse in coverage find affordable car insurance options.
Comparing rates from multiple insurance companies can also help you find affordable coverage based on your insurance history. Jerry can assist you in finding the best rates for auto insurance in Georgia.
Cheapest auto insurance for Georgia drivers with poor credit
Georgia drivers with poor credit scores may also face higher car insurance costs compared to those with good credit. Even though your credit rating may not accurately reflect your driving skills, insurance companies often associate lower credit scores with higher claim filings.
Our data shows that the average car insurance rate for the highest credit bracket (over 750) is almost 20% higher than the average cost of car insurance for people with lower credit scores (under 550).
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| <550 | National General | $260 | Ronnie, 35, College Park, GA | Gmc Acadia Sle | State Minimum | Yes |
| 550-659 | Progressive | $249 | Della, 33, Macon, GA | Chevrolet Trax Ls | State Minimum | Yes |
| <550 | Progressive | $232 | Ann, 50, Norcross, GA | Toyota Venza Le | State Minimum | Yes |
| <550 | Bristol West | $99 | Marguerite, 38, Ringgold, GA | Mazda B3000 Cab Plus | State Minimum | No |
| 660-750 | The General | $656 | Samuel, 24, Lithonia, GA | Dodge Avenger Se | State Minimum | No |
Cheapest car insurance in Georgia by age
Young drivers with limited driving experience may face higher rates than older, more experienced drivers. However, drivers over the age of 25 typically may see a drop in their rates as they gain more experience on the road.
It’s important to note that drivers over the age of 70 in Georgia may see an increase in their rates due to potential health issues and slower reflexes. Insurance companies may view older drivers as a higher risk, which can lead to higher premiums.
Cheapest Georgia car insurance for young drivers
In Georgia, teen drivers between 16 and 21 are considered high-risk and typically pay higher insurance premiums. You can lower your rates as a young driver by qualifying for good student discounts.
Full coverage insurance is recommended for young drivers who drive newer vehicles to provide better financial protection in case of an accident.
Cheapest Georgia car insurance for senior drivers
Car insurance rates for senior drivers in Georgia are typically higher than those for younger drivers. This is due to the higher likelihood of older drivers being involved in accidents and sustaining severe injuries, resulting in increased medical expenses for insurers.
To help offset the higher costs, some car insurance companies offer discounts for senior drivers, including discounts for low annual mileage or safe driving habits. Additionally, senior drivers can lower their auto insurance premiums and may qualify for good driver discounts by taking a driver improvement course.
Cheapest Georgia car insurance for popular cars
The type of car you drive can significantly affect your car insurance rates. Insurance companies consider various factors when determining insurance premiums, such as the cost of repairs or replacements, the likelihood of theft, and the vehicle’s safety record.
Some popular car models in Georgia include:
- Toyota Camry
- Honda Accord
- Ford F-Series
- Chevrolet Silverado
- Nissan Altima
Learn More: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Toyota Camry L | National General | $370 | Ronnie, 37, East Point, GA | State Minimum | Yes |
| Honda Accord Sport | National General | $182 | Nina, 35, Warner Robins, GA | State Minimum | No |
| Honda Accord Ex-L | Progressive | $154 | Bobby, 30, Manchester, GA | State Minimum | No |
| Nissan Altima 2.5 | Gainsco | $690 | Douglas, 26, Cedartown, GA | State Minimum | No |
| Nissan Altima Sv | Progressive | $227 | Cynthia, 21, Milledgeville, GA | State Minimum | No |
Car insurance cost for new vs. old car in Georgia
In Georgia, insuring a newer car can result in higher insurance costs compared to insuring an older car. Our research shows that the average cost of full coverage insurance for a car that is over 10 years old is $1,923 per year.
Georgia cheapest car insurance by location
Your car’s location is a critical factor that insurance companies take into account when determining your premium. Factors such as population density, accident rates, crime statistics, and weather can all impact your insurance costs. In Georgia, insurance premiums can vary within the same city for different zip codes.
Here are some examples of how Jerry assisted drivers in various cities in Georgia with their insurance:
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| College Park, GA | Ronnie | National General | $260 | Gmc Acadia Sle | State Minimum | Yes |
| Macon, GA | Della | Progressive | $249 | Chevrolet Trax Ls | State Minimum | Yes |
| Norcross, GA | Ann | Progressive | $232 | Toyota Venza Le | State Minimum | Yes |
| Ringgold, GA | Marguerite | Bristol West | $99 | Mazda B3000 Cab Plus | State Minimum | No |
| Lithonia, GA | Samuel | The General | $656 | Dodge Avenger Se | State Minimum | No |
How to lower the cost of car insurance in Georgia
If you’re a Georgia driver looking to reduce your car insurance costs, there are several strategies that can help you save money. According to Jerry’s team of licensed insurance agents, you can consider the following:
- Compare quotes from multiple car insurance companies to find the best rate.
- Bundle your auto insurance with other policies, such as home insurance, to qualify for a multi-policy discount.
- Look for car insurance discounts that you may be eligible for, such as safe driver discounts, low mileage discounts, or discounts for safety features like anti-theft devices.
- Consider raising your deductible for comprehensive and collision coverage to lower your premiums.
- Improve your credit score, which can affect your car insurance rates.
- Take a defensive driving course to potentially qualify for a discount.
- Assess whether you need collision and comprehensive coverage on older vehicles that may not be worth the cost of coverage.
Why is car insurance so expensive in Georgia?
The cost of car insurance in Georgia can be impacted by several factors, including:
- High population density in urban areas such as Atlanta, leading to a higher likelihood of accidents.
- A significant number of uninsured drivers on Georgia’s roads.
- Expensive healthcare costs in the state, which can drive up the cost of medical coverage in car insurance policies.
- The state’s extensive highway system, which increases the risk of accidents.
- High rates of car theft and insurance fraud in certain areas of the state.
- Vulnerability to natural disasters, which can lead to higher insurance claims and premiums—especially in coastal cities like Savannah.
FAQ
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How much is car insurance in Georgia?
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Who has the cheapest insurance in Georgia?
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Why is car insurance so expensive in Georgia
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Does insurance follow the car or driver in Georgia?
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Do you have to have car insurance in Georgia?
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Does Georgia have high car insurance rates?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
