12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Cheapest recent rates in Georgia
Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $70/mo for full coverage in Georgia.
*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Georgia drivers pay an overall average of $193 per month for car insurance, according to Insurify data.
Finding cheap car insurance in Georgia can depend on various factors, including your driving history, your age, and even your credit history.[1] Insurify data shows that the cheapest insurance companies in the Peach State have average prices lower than the state average monthly costs for full-coverage auto insurance and liability-only coverage. Comparing car insurance quotes is the best way to find affordable coverage for your needs.
Here’s what you need to know about finding cheap car insurance in Georgia, no matter your situation.
Quick Facts
The average cost of car insurance in Georgia is $146 per month for liability coverage and $241 per month for full coverage.
Hugo is the cheapest insurer in Georgia for teens and young drivers, according to Insurify data.
Georgia is an at-fault state, which means the driver responsible for an accident is financially responsible for damages.
3 of the cheapest car insurance companies in Georgia
Finding inexpensive car insurance may feel out of your control since insurance companies ultimately determine your rates.
“Insurers use more than a dozen personal rating factors to determine the cost of your auto insurance policy,” says Mark Friedlander, Insurance Information Institute director of corporate communications.
But that doesn’t mean drivers have no control over their premium costs. Friedlander adds that “most [factors] are things a driver can control, such as motor vehicle record, credit-based insurance score, [and] claims history.”
While demographic factors, such as marital status, location, age, and gender, can also affect your rates, maintaining a clean driving record and credit history, as well as limiting your claims, can go a long way to keeping your insurance costs low.[1]
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Liability Only
Full Coverage
Best For
Hugo
3.5
$56
$73
On-demand insurance
Auto-Owners
4.3
$65
$97
Full coverage
Mile Auto
3.7
$77
$125
Senior drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Georgia is one of the 13 states that Hugo offers coverage in. Hugo is an on-demand insurance company that allows drivers to turn their insurance on and off and pay for coverage only when needed. The company offers three different coverage types: Flex, Unlimited Basic, and Unlimited Full. Georgians trying to save money on insurance or who don’t drive often should consider Hugo.
Pros
Three different plans available for flexible on-demand coverage
Offers cash rewards
Cons
Full coverage isn’t available in Georgia
Your daily rate may change after turning off coverage and turning it back on
I loved the pay options, such as daily, weekly, etc. That was great! However, if I wanted comprehensive or collision coverage, they don't offer it in Indiana.
Stephanie - April 21, 2024
Verified
Bad Business
My car's registration has been suspended because Hugo failed to report to the state that I have insurance.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$65/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$97/mo
About 18% of Georgia drivers were uninsured in 2022, according to the Insurance Information Institute.[2] If you want to protect yourself in an accident, Auto-Owners is a great option for full-coverage insurance. The company boasts a Superior rating from AM Best and has a high J.D. Power score for claims satisfaction.
Pros
Plenty of discounts for customers to reduce premiums
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$77/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$125/mo
Senior drivers pay some of the cheapest rates because they’re the most experienced drivers. But seniors who are retired and may not drive as much can save even more with usage-based insurance, such as Mile Auto. The company charges people based on the number of miles they drive, and it offers both full-coverage and liability-only policies for Georgia seniors.
Pros
Doesn’t require a telematics device
Certain low-mileage drivers can save 30% to 40% off their current rates
Cons
No discounts or bundles available
Customers can’t manage their policies online
How to get the cheapest car insurance in Georgia
The cost of auto insurance in Georgia depends on a number of factors. Some of those factors are under your control. These include your driving record, the type of car you drive, the number of miles you drive, and how much insurance coverage you purchase. But other factors are out of your control — such as your age, gender, and location.[1]
Even though you can’t control all the factors that determine your insurance premiums, here are several strategies you can adopt to find the cheapest car insurance in Georgia:
Increase your deductible. A higher deductible means lower premiums. Just have a plan for paying the higher deductible if you need to file a claim.
Bundle insurance. Many insurance companies offer discounts to buyers who get their auto and homeowners insurance from them.
Drive defensively. Maintaining a clean driving record is one of the best ways to get and keep low insurance rates.
Shop around. Comparing quotes from multiple insurers is the best way to find the coverage you need at a price you can afford.
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Cheapest liability-only car insurance in Georgia: Hugo
Drivers who want to lower their insurance costs may choose a liability-only insurance policy. This kind of policy will only cover the costs of property damage or bodily injury to a third party. If you cause an accident, your liability coverage will pay for damage and medical expenses for the person you hit. It won’t pay to repair or replace your car or pay for the medical care you or your passengers may need.
Liability insurance in Georgia costs an average of $146 per month. The following insurance companies offer cheap liability-only car insurance in the Peach State.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Georgia: Hugo
Full-coverage car insurance offers drivers more financial protection than liability-only coverage. In addition to liability, a full-coverage policy also provides collision coverage, which pays for damage to your vehicle if you cause an accident, and comprehensive coverage, which pays for the loss or damage of your car because of something other than an accident, such as weather or theft.
Georgia drivers pay an average of $241 per month for full coverage. The following insurers offer cheap full-coverage insurance in Georgia.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Georgia
Georgia is an at-fault state, which means that the person at fault for causing an accident is responsible for paying damages.[3] If you cause an accident, your liability insurance pays for the other party’s damages.
But what if there’s an accident and both parties are partially to blame? Under Georgia’s modified comparative negligence law, any party who is less than 50% responsible for an accident is eligible to receive compensation, although the percentage of blame may reduce the compensation amount.[4] Here are the state-minimum insurance requirements in Georgia:[5]
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
These minimum requirements are just that: the bare minimum necessary to drive legally in Georgia. Peach State drivers may purchase policies with higher liability coverage and may also purchase additional coverages, such as:
Comprehensive coverage
Comprehensive coverage pays for damage to your vehicle due to events other than accidents. This includes theft, fire, flood, and weather-related damage.
Collision coverage
Collision coverage pays to repair your vehicle if you’re the at-fault party in an accident. It covers collisions with other vehicles, and objects such as trees, fences, and light poles. It also covers damage from rollover accidents.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages if you’re in a car accident and the at-fault driver doesn’t have insurance or has too little insurance.
Cheapest car insurance for drivers with an incident
An incident on your driving record can increase your insurance premiums. Whether it was an at-fault accident, speeding ticket, or DUI, your insurance company will take notice of any serious moving violation, as it can indicate that you’re at a higher risk of getting into a collision and making a claim.[6]
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Cheapest car insurance for drivers with a speeding ticket: Hugo
Driving faster than the speed limit can seem like no big deal, but there’s an excellent reason why Georgia state troopers introduced Operation Slow Down in 2022: Speeding is dangerous. The National Highway Traffic Safety Administration reports that 23% of traffic fatalities in Georgia in 2020 were speeding-related.[7]
Receiving a speeding ticket is a good reminder to take it easy on the gas pedal. But your insurance premiums can rise for several years due to the increased risk of high-speed collisions. The average cost of full coverage for Georgia drivers with speeding tickets is $350 per month.
The table below shows how rates can change for drivers with clean records versus drivers with speeding tickets.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Hugo
Drivers with an at-fault accident on their record see an average rate increase of 26% in Georgia, although the specific rate increase may vary depending on the severity of the accident, your driving record, and other factors. For example, slipping on an icy road and causing a fender bender is likely to result in a lower rate increase than speeding through a red light and T-boning another car.[6]
In Georgia, the overall average cost of car insurance for drivers with an accident is $293 per month. The following table shows some of the least expensive insurance companies for drivers with an at-fault accident in the state.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Hugo
Driving under the influence is dangerous to the intoxicated driver and all the other drivers and pedestrians on the road. The police take DUIs very seriously, as do insurance companies. Receiving a DUI could result in much higher premiums for several years or the possibility of your insurer not renewing your policy.[6] Penalties for a DUI in Georgia include driver's license and registration suspension, significant fines, and even the possibility of jail time.
On average, Georgia drivers with a DUI pay $414 per month for full coverage and $251 for liability-only insurance. But several insurance companies in Georgia provide coverage to drivers with a DUI at a more affordable price:
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Hugo
Age has its privileges — including lower auto insurance premiums. Generally, insurance rates begin to decrease for drivers around age 35, as these drivers have both more maturity and experience behind the wheel than their younger counterparts.
But once you turn 70, you may see your auto insurance rates going up again. That’s because despite their decades of experience, seniors may start having slower reflexes and other potential declines that make them more likely to get into an accident.[8]
Senior drivers in Georgia pay a monthly average of $113 for liability-only car insurance and $186 for full coverage. The following insurers offer cheap car insurance for seniors in Georgia.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Hugo
Teen drivers pay the highest insurance rates of any age demographic. Not only are these young drivers inexperienced, but they’re also much more prone to engage in risky behavior, such as dangerous driving.[9] That combination means teens are more likely to get into accidents, and insurance companies charge rates that reflect that likelihood.
Teen drivers in Georgia pay an average of $434 per month for full-coverage car insurance and $263 for liability only.
Teens can reduce their car insurance costs in various ways, such as:
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Georgia car insurance quotes by credit tier
Though it may seem unrelated to your likelihood of getting into a car accident, auto insurers in Georgia take your credit-based insurance score into account when determining your premiums. Drivers with good credit will generally have much lower premiums than those with fair credit or poor credit. This means working to improve your credit score can help you lower your auto insurance premiums.
Here are the average monthly auto insurance premiums in Georgia by credit tier:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in Georgia costs an average of $241 per month for full coverage and $146 per month for liability only.
What company has the cheapest car insurance rates in Georgia?
Drivers can find the cheapest rates in Georgia with Auto-Owners and State Farm, which have monthly liability rates as low as $65 and $70, respectively.
What are the best car insurance companies in Georgia?
Auto-Owners and State Farm are two of the best traditional car insurance companies in Georgia, based on their low average rates, J.D. Power customer satisfaction, and AM Best financial strength ratings. But insurtech companies like Hugo and Mile Auto offer usage-based insurance for people who want lower rates based on how much they drive.
It’s worth noting that many standard national and regional insurance companies also offer UBI programs that can help drivers reduce car insurance costs.
Is car insurance cheap in Georgia?
Not when compared to national averages. Average car insurance rates in Georgia are more expensive than the national monthly averages of $215 for full coverage and $104 for liability only.
Is Georgia a no-fault state?
No, Georgia is an at-fault state. Georgia drivers who are responsible for car accidents pay for the other parties’ injuries and property damage through their liability insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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