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Get Cheap Car Insurance in Georgia
We monitor insurance prices, helping the average driver in Georgia save up to 33.4% on car insurance.
The Cheapest Minimum Coverage in Georgia
The chart below shows the cheapest car insurance company in Georgia for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Farm Bureau, State Farm, and Progressive.
| Georgia Insurer | Monthly Cost |
|---|---|
| Travelers | $91 |
| Farm Bureau | $95 |
| State Farm | $104 |
| Progressive | $112 |
Savings for Every Kind of Georgia Driver
Based on our extensive insurance data, we know the average Georgia driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $435 per year by choosing the right vehicle insurance company. Some Georgia residents are paying out over $2,093 extra every year for auto insurance in Georgia. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Georgia Savings / Yr. |
|---|---|
$435 |
|
$927 |
|
$639 |
|
$875 |
|
$2,548 |
|
$210 |
|
$899 |
Georgia Car Insurance vs. the United States
People living in Georgia pay an average of 18.19% more than the typical driver in the nation. The average driver in Georgia can expect to pay about $1,392 per year, or $2,093 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Georgia for most people.
Car Insurance Prices by Georgia Neighborhood
Insurance Prices
Where is insurance cheapest within Georgia?
The map shows insurance prices in and around Georgia, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,059 per year within the state boundaries, with insurance premiums ranging from a high of $2,558 to a low of $1,499. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southwest parts of Georgia.Pick the Best Car Insurance Company for You in Georgia
The best car insurance provider for most drivers in Georgia
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $435 over the average Georgia car insurance company.
The best car insurance provider for Georgia drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $927 over the competition.
The best car insurance company for Georgia drivers with speeding tickets
>Travelers gave the average person with a speeding ticket the most savings, averaging $639 better than other car insurance companies.
The best auto insurance for Georgia drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $875 less each year.
The least expensive car insurance company for new and young drivers in Georgia
In Georgia, Auto-Owners Insurance costs young drivers $2,548 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Georgia
Farm Bureau gave the largest car insurance discounts to married couples, averaging $210 saved each year compared to an average Georgia couple's premiums.
The cheapest car insurance in Georgia for drivers with bad credit
The best Georgia car insurance company for customer service
Recent price drops
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The cheapest large national provider in Georgia
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Georgia driver can expect to pay about $117 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Georgia, USAA has the best prices for married couples, drivers with bad credit, drivers with speeding tickets, drivers with accidents, drivers with a DUI conviction, good drivers, and young drivers.Auto Insurance Prices in and Around Georgia
What Influences the Cost of Car Insurance in Georgia?
On average, car insurance in Georgia is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Georgia is 37 minutes, which is far more than average for a driver in the nation.
- Georgia state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Georgia are lower than average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Georgia has an average population density in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Georgia is $116 per month for minimum coverage and $174 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- South Carolina: Insurance costs 15.38% less
- Alabama: Insurance costs 18.06% less
- Tennessee: Insurance costs 39.37% less
- North Carolina: Insurance costs 50.17% less
- Kentucky: Insurance costs 45.20% more
- Florida: Insurance costs 122.55% more
- Mississippi: Insurance costs 6.98% less
- West Virginia: Insurance costs 26.13% less
- Virginia: Insurance costs 52.94% less
- Louisiana: Insurance costs 189.44% more
States with Similar Populations
- Alaska: Insurance costs 39.70% less
- Arizona: Insurance costs 4.92% more
- Minnesota: Insurance costs 17.77% less
- Michigan: Insurance costs 167.99% more
- Massachusetts: Insurance costs 23.08% less
- Maine: Insurance costs 71.48% less
- Louisiana: Insurance costs 189.44% more
- Idaho: Insurance costs 59.20% less
- Hawaii: Insurance costs 40.85% less
- Florida: Insurance costs 122.55% more