Best Car Insurance Companies in Georgia 2022 | Quotes, Discounts

If you’re looking for the best in Georgia car insurance, look no further than this list. We’ve examined top insurers based on real car insurance rates offered to Georgia drivers. And we’ve calculated the average costs for different profiles based on driving record, age, and location.

As a refresher, Georgia state minimum car insurance requirements include bodily injury liability insurance and property damage liability insurance. It’s also recommended that drivers carry uninsured motorist coverage. But whether you’re looking for minimum coverage or full coverage, this list can guide you.

Use the Insurify rate-comparison tool to confidentially compare auto insurance rates from companies fast. See free car insurance quotes tailored to your needs with the click of a button. Not ready to commit to a quote? Check out our car insurance estimator to get an estimate on what you should expect to pay. Let the experts help you choose the right insurance company today!

Adjust coverage options, explore companies, and only purchase when the price is right.

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Best Car Insurance Companies 2022

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Top Car Insurance Companies: Find the Right One for You

Below is our list of top auto insurers based on several metrics, including customer satisfaction and cost. Each company offers a unique set of advantages and disadvantages, and no two will offer you the same exact policy for the same price. It’s important to ask yourself, “how much car insurance do I need” before you start your search, but Insurify can help you select your desired coverage options. Find out the average car insurance cost for top companies here.

Remember that this list is meant to be a guide, not the be-all and end-all of policy recommendations. Always choose a company that meets your needs best. And don’t be afraid to switch when something better comes along.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1

Clearcover

If you’re looking for a tech-forward insurer, Clearcover may be the choice for you. Clearcover offers a slew of online tools, plus an excellent mobile app that makes managing your policy easy.

Clearcover only offers auto insurance policies at this time, so bundling is not an option. But you can get full coverage car insurance - liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.

Clearcover offers fewer discounts than the average insurer because “we took most of the savings that big auto insurance companies only offer as discounts and made them a standard part of our pricing.” Even so, Clearcover does offer some discounts, including:

• Safe driving

• Vehicle safety features

• Electronic documents

• Paying in full

• Active military

Here are the average quotes Clearcover offers by driver profile:

2

Nationwide

If you’re looking for the best cheap car insurance Georgia has to offer, Nationwide is one of your best options. With data from almost half a million quotes, Nationwide has proven to offer consistently low premiums, second only to Progressive.

Nationwide also offers better-than-average customer service. Its customer satisfaction ratings are above average, and it has fewer complaints than similarly sized companies. You’ll find a large menu of insurance products, including renters and home insurance, so bundling is easy.

On the other hand, Nationwide doesn’t offer many discounts. But, with consistently low rates, you may not need them. Discounts Nationwide offers include:

• Multi-policy

• SmartRide

• SmartMiles (low mileage)

• Accident-free

• Good student

• Defensive driving course

• Anti-theft

• Safe driver

• Easy pay

• Paperless

Plus, you can get an On Your Side® review to ensure you haven’t missed any discount you’re entitled to.

Here are the average quotes Nationwide offers by driver profile:

3

Safeco

On the one hand, Safeco has a lower-than-average rating for claims satisfaction. On the other hand, the company has received fewer complaints than other similarly sized auto insurers.

As part of the Liberty Mutual family, Safeco offers a wide range of car insurance policy options, making it easy for you to customize your plan. And you get additional perks common to choosing a large insurer.

Though Safeco isn’t the cheapest company, it does offer many discount options, including ones for teen drivers. Top discounts Safeco offers include:

• Multi-car

• Multi-policy

• Safe driver

• Preventive driving course

• Low mileage

• Theft-deterrent

• Safety features

• Homeowner

• Good student

• Distant student

• Pay in full

• RightTrack

Here are the average quotes Safeco offers by driver profile:

4

Liberty Mutual

Let’s get the bad news out of the way first: Liberty Mutual has a lower-than-average customer satisfaction rating and a higher-than-average rate of customer complaints. In an industry that already ranks poorly across the board, lower-than-average ratings are not to be dismissed.

But, with Liberty Mutual, you get the benefits of a large insurer. In addition to a ton of car insurance policy options, you can also purchase additional insurance products.

Liberty Mutual isn’t the cheapest insurer in town. You can lower your rates further by taking advantage of the many discount programs - even young drivers can take advantage. Top discounts Liberty Mutual offers include:

• Multi-policy

• Multi-car

• Preferred payment

• Pay in full

• Online purchase

• Paperless

• Accident-free

• Violation-free

• RightTrack

• Alternative energy

• Anti-theft

• Advanced safety features

• Homeowner

• Military

• Early shopper

• Good student

• Student away at school

Here are the average quotes Liberty Mutual offers by driver profile:

5

Travelers

Another large insurer, Travelers is a company with a long history and huge range of insurance products. Plus, you’ll find lower rates than many other companies of similar size.

For such a large company, Travelers has received few customer complaints. On the flip side, customers don’t rate the company well overall. But, for low rates, great technology, and the ease of storing all your insurance policies in one place, Travelers is still an excellent option.

Bundling offers the best discounts to policyholders, but you’ll have many ways to save. Top discounts Travelers offers include:

• Multi-policy

• Multi-car

• Safe driver

• Continuous insurance

• Hybrid/electric car

• New car

• Good student

• Student away at school

• Driver training

• Affinity membership

• Homeownership

• IntelliDrive® program

• EFT, pay in full, good payer

• Early quote

Here are the average quotes Travelers offers by driver profile:

6

State Auto

State Auto isn’t a huge, nationwide insurer. But, even though it’s a smaller company, it offers many of the perks and policy options of a larger one. In addition to full coverage options, you can add pet, ambulance, and disability coverage to your auto policy.

However, its auto insurance is not well-reviewed by State Auto policyholders. Customer complaints are higher than average. But other insurance products offered by the company, including home insurance, have better reviews.

This is a great thing because bundling home and auto can get you a great discount. Top discounts State Auto offers include:

• Safety 360®

• Multi-policy

• Accident prevention course

• Start Up (early enrollment)

• Driver training

• Anti-theft

• Good student

• Multi-car

• Paid in full

Here are the average quotes State Auto offers by driver profile:

7

National General

If you don’t have a clean driving record, National General is a great option. This company specializes in auto insurance coverage for people with less-than-stellar driving histories. That includes a history of:

• Car accidents

• DUI

• Failure to pay

• Poor credit score

• Dropped policies

Drivers with a history of at-fault accidents can receive a special discount for taking a driving safety course. And SR-22 policyholders can qualify for discounts for participating in substance abuse counseling. On the cons side, National General has more complaints than the national average and lacks a mobile app.

Top discounts National General offers include:

• Multi-vehicle

• Multi-policy

• Safe driver

• Anti-theft

• Low mileage

• Affinity membership

• Paperless

• Auto-pay

• Paid in full

Here are the average quotes National General offers by driver profile:

Average Monthly Cost of Car Insurance in Georgia

Where you live has a big impact on your car insurance costs. Your ZIP code’s claim rates, crime rates, and climate affect how insurance companies determine your risk. Below, we show the average car insurance quotes for some of Georgia’s largest cities. How does your insurance premium stack up?

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How to Determine the Best Car Insurance Company for Yourself

Getting the best is more than just finding cheap auto insurance. It’s also about finding a company that meets your needs and preferences. So you should always start with yourself:

• Your budget and coverage needs

• Your website and app preferences

• Your qualifying discounts

• Your customer service preferences

See More: Car Insurance for Bad Driving Records

There are many top-rated insurance providers in Georgia, so be sure to choose what fits best over what’s ranked best. You can compare car insurance quotes on Insurify. Notable insurers that did not make our list but should be on your radar include:

• GEICO

• Allstate

• Auto-Owners

• Progressive

• State Farm

• USAA

Frequently Asked Questions