Cheap Auto Insurance in Georgia 2023

Car insurance costs in Georgia exceed the national average rate of $233 per month at an average rate of $282 per month, making the Peach State the 12th most-expensive state for auto insurance. According to Insurify data, Georgia ranks as the fifth most-accident prone state, which could be at least partially responsible for its higher premiums. With 159 counties, Georgia is the biggest state by size compared to all other states east of the Mississippi River. 

Shopping around to compare quotes from multiple insurance providers is the most effective way to find affordable car insurance.

Best cheap car insurance in Georgia: State Farm

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State Farm

Best Cheap Car Insurance in Georgia

Our data scientists use the latest tools and technology to gather data on the best auto insurance companies in the state of Georgia and calculate an Insurify Composite Score (ICS) for each, reflecting the quality and reliability of an insurance provider. With an ICS of 88 and an average monthly quote of $145, State Farm leads the list of the best insurance providers in Georgia.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

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

What to know about minimum car insurance requirements in Georgia

Georgia requires insurance for all motor vehicles operated or parked on state roadways. If you drive in Georgia, you’ll need to have proof of insurance in your car at all times. And you’ll need to make it available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Georgia^[1] are:

• $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person and $50,000 per accident for uninsured motorist bodily injury and $25,000 per accident for uninsured motorist property damage: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.

Georgia DMV information

Georgia has two agencies that perform the duties of the DMV, the Department of Driver Services^[2] and the Motor Vehicle Division of the Georgia Department of Revenue. The Department of Driver Services is responsible for driver’s licenses and permits, while the Motor Vehicle Division handles vehicle registrations and license plates.

Public transportation in Georgia

The best way to get around Georgia — including the major cities, such as Atlanta — is by car. That said, some statewide and local public transportation^[3] is available to residents. The MARTA train and bus system allows Atlanta residents to travel throughout the Metro Atlanta region. Rideshare apps like Lyft and Uber are also widely available in many areas throughout the state.

Tips for getting cheap car insurance in Georgia

Shopping around is the most effective way to find the best rates for car insurance. Georgia auto insurance companies use factors like your driving record, age, and credit score differently to calculate your car insurance quote, so it is important to see what your options are before committing to one provider. You can easily compare quotes online today.

Other ways to reduce car insurance costs include:

• Taking a higher deductible.

• Choosing liability-only coverage (if you can).

• Keeping your credit score in good shape.

• Practicing safe driving habits.

• Taking advantage of car insurance discounts.

Liability-only vs. full-coverage insurance in Georgia

Each state sets its own minimums for how much liability insurance it requires drivers to carry. In Georgia, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Georgia by policy type.

How your driving history affects Georgia car insurance rates

Your driving history significantly affects your car insurance costs. Drivers whose records are free of serious traffic violations like speeding tickets or reckless driving are considered good drivers, and they tend to get the best car insurance rates in Georgia. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Georgia based on driving and accident history.

See More: High-Risk Car Insurance Georgia

See More: SR-22 Insurance Georgia

SR-22 insurance in Georgia

If you’re penalized for driving under the influence, you’ll likely be required to obtain a special SR-22 form before you can get back on the road. An SR-22 proves that you carry the minimum car insurance required by the state of Georgia and are financially responsible while driving. The insurance companies below all offer SR-22 insurance for drivers in Georgia.

How credit scores affect Georgia car insurance quotes

Georgia permits car insurance companies to consider your credit history when determining your car insurance premiums — not all states allow it. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

See More: Bad Credit Car Insurance Georgia

How your city affects Georgia car insurance quotes

Your car insurance rates depend on where you live in Georgia and can vary significantly from city to city. Drivers in Atlanta and Decatur can expect the highest average car insurance costs, at $351 and $415 per month, respectively. Alternatively, drivers in Sycamore and Valdosta earn the cheapest rates, at $206 and $221 per month, respectively. Find more rates in the chart below.

How your age affects your Georgia car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Drivers younger than 25 generally pay the highest car insurance rates. For example, in Georgia, a liability-only policy from Travelers is the cheapest for a young driver, but it’s also about 32% more than the cost of the same policy for a senior driver.

Quotes for middle-aged drivers

Car insurance premiums tend to decline for drivers who are older than 65 — especially if they have a clean driving record. In Georgia, Mile Auto offers the lowest monthly cost for minimum coverage for middle-aged drivers.

Quotes for senior drivers

Drivers in their 60s and older typically pay the least for car insurance, although their rates can begin to creep upward as they age. Still, their rates are significantly lower in Georgia than those for other age groups. Georgia seniors can score a liability-only policy from Progressive for as little as $100 per month.

Georgia car insurance FAQs

Insurify Insights

How Georgia Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Georgia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Georgia drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Accord

Most Popular Car in Georgia

#14

State with the Most Speeding Tickets Rank

#9

State with the Moving Violations Rank

#33

State with the Most DUIs Rank

#50

State with the most Suspended Licenses

• Accidents in Georgia

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Georgia is the #5 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #5
  • Percent of drivers in Georgia with an accident: 11.1%
• DUIs in Georgia

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Georgia is the #33 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #33
  • Percent of drivers in Georgia with a DUI: 1.2%
• Reckless Driving in Georgia

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Georgia is the #6 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #6
  • Percent of drivers in Georgia with a reckless driving offense: 2%
• Rude Driving in Georgia

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Georgia is the #4 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #4
  • Percent of drivers in Georgia with a rude driving violation: 2.6%
• Speeding in Georgia

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Georgia is the #14 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #14
  • Percent of drivers in Georgia with a speeding ticket: 10.4%
• Failure to Yield Rates in Georgia

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Georgia is the #20 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #20
  • Percent of drivers in Georgia with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.