In a Nutshell
We’ve crunched the data for several different driver profiles and found some of the cheapest car insurance on basic coverage for drivers in the Peach State. The average cost of car insurance in Georgia varies based on individual circumstances, such as credit score, age, driving history and vehicle.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Taking a drive to Tallulah Gorge or Providence Canyon in Georgia could make for an excellent road trip. To ensure you’re safe out on the open road, you need auto insurance coverage that fits your needs. But could you be paying less for car insurance?
We looked at estimated car insurance rates from different insurance companies in Georgia and calculated average cost and the cheapest estimated rates on basic coverage for several driver needs and profiles.
We based our calculations on a relatively neutral driver profile — someone with no accidents, tickets or claims, for example — to evenly compare and get a baseline view of rates (see our full methodology). Your premium may be higher or lower given your personal driving history and other factors that affect car insurance, like your age, vehicle type, mileage and coverage options.
Read on to learn about Georgia’s average car insurance rates and our findings for the cheapest options on basic coverage in the Peach State.
- Average car insurance premiums in Georgia
- 5 cheapest car insurance companies in Georgia
- Cheapest state-minimum car insurance in Georgia
- Cheapest car insurance for good credit in Georgia
- Cheapest car insurance for poor credit in Georgia
- Cheapest car insurance for drivers with multiple claims in Georgia
- Cheapest car insurance for young drivers in Georgia
- Georgia auto insurance requirements
- Is usage-based insurance available in Georgia?
- FAQs about cheapest car insurance rates in Georgia
- Methodology
Average car insurance premiums in Georgia
Average monthly premiums for basic car insurance in Georgia range from just under $120 to around $310, depending on the driver profile.
Average monthly auto insurance premiums in Georgia
| Driver or coverage | Avg. monthly cost |
|---|---|
| State-minimum car insurance in Georgia | $117.74 |
| Drivers with poor credit in Georgia | $215.43 |
| Drivers with multiple claims in Georgia | $307.71 |
| Young drivers in Georgia | $247.02 |
5 cheapest car insurance companies in Georgia
Geico appears among the top-five cheapest insurance companies for every category we analyzed. Unless otherwise noted, we based these calculations on an average driver profile at basic coverage to keep the comparison even. Our Georgia driver profile has a credit score between 680 and 719, no tickets or coverage gaps, and a vehicle valued between $20,000 and $30,000. Your rates may be different. You can read more in our methodology section.
1. Central Mutual Insurance Co
Founded in 1876, Central Mutual Insurance offers policies through local agents and offers optional coverage options such as medical payments, uninsured motorist, collision and comprehensive coverage. Its different policy tiers offer different combinations of extra coverages, but all Central car insurance policies come with roadside assistance.
2. Auto-Owners Insurance
Auto Owners was founded in 1916 and offers various insurance products, including car insurance. Auto Owners isn’t available in all states, and prospective customers must contact a local agent to get a quote. Auto Owners offers insurance for many types of vehicles, and you could save money on your premium by bundling. Read reviews of Auto Owners to learn more.
3. Geico
Geico offers a wide range of coverage options and many opportunities to save money for safe driving habits, safety equipment and customer loyalty. Its mobile app allows users to manage their policies, pay bills, request roadside assistance and more. Read reviews of Geico to learn more.
4. Encompass
Encompass offers combined coverage for your home, auto and possessions as well as stand-alone home and auto policies. Its standout additional auto coverage options include new car replacement, gap insurance and roadside assistance. Safe drivers can get up to 5% off their next policy premium if no covered driver on their policy has had a chargeable accident in the past year. Encompass also offers discounts for homeowners, good students and drivers who successfully complete an approved defensive driving class. Learn more about Encompass.
5. Country
Formed by a group of farmers in 1925, Country Financial offers auto, home, life and other insurance as well as investing, retirement and financial planning. Standout options include emergency roadside assistance, rental car coverage and windshield replacement insurance. Country Financial auto insurance isn’t available in all states, and prospective customers can get a quote online, over the phone or through a local agent. Customers may be able to save money by bundling home and auto policies.
Cheapest state-minimum car insurance in Georgia
State-minimum car insurance usually includes bodily injury liability and property damage liability coverage and, in many states, is required to register and drive your car.
If you’re looking for state-minimum car insurance in Georgia, the five companies in the table that follows are worth a look.
5 cheapest car insurance companies in Georgia for state-minimum coverage
| 1 | Central Mutual Insurance Co | $56.21/month |
| 2 | Auto-Owners Insurance | $70.13/month |
| 3 | Geico | $72.58/month |
| 4 | Encompass | $82.29/month |
| 5 | Country | $86.08/month |
Cheapest car insurance for good credit in Georgia
If you have good credit, you may qualify for reduced rates on your car insurance. That’s because many insurers use a credit-based auto insurance score, which looks at factors like your payment history and the length of your credit history to determine insurance risk.
The five companies in the table below have the lowest estimated rates on basic coverage for Georgia drivers who are considered to have good credit.
5 cheapest car insurance companies in Georgia for those with good credit
| 1 | Auto-Owners Insurance | $43.44/month |
| 2 | Central Mutual Insurance | $50.72/month |
| 3 | Geico | $67.49/month |
| 4 | Encompass | $69.18/month |
| 5 | Mercury | $76.64/month |
Cheapest car insurance for poor credit in Georgia
Less-than-awesome credit may mean you pay a bit more for your car insurance, but there are ways to reduce your payments over time, including enrolling in a program that tracks good driving behavior.
The companies in the table that follows have the lowest estimated rates on basic coverage for Georgia drivers considered to have poor credit.
5 cheapest car insurance companies in Georgia for those with poor credit
| 1 | Central Mutual Insurance | $99.15/month |
| 2 | Geico | $114.94/month |
| 3 | Mercury | $130.35/month |
| 4 | Encompass | $132.38/month |
| 5 | Country | $138.60/month |
Cheapest car insurance for drivers with multiple claims in Georgia
Insurance companies also examine how many claims you’ve made when determining your monthly car insurance premium. If you’ve made a lot of claims, your monthly payments could be affected.
If your loss history report has several claims in it, you may want to investigate the insurance companies listed in the table below.
5 cheapest car insurance companies in Georgia for multiple claims
| 1 | Central Mutual Insurance | $56.21/month |
| 2 | Geico | $136.14/month |
| 3 | Auto-Owners Insurance | $148.67/month |
| 4 | Country | $188.92/month |
| 5 | Allstate | $204.15/month |
Cheapest car insurance for young drivers in Georgia
Under 21 and looking to insure your car? Younger, less-experienced drivers often pay more for their car insurance until they establish a history of making payments and driving safely.
The companies in the table below offer the cheapest car insurance on basic coverage for Georgia drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Georgia for young drivers
| 1 | Central Mutual Insurance | $108.33/month |
| 2 | Encompass | $123.58/month |
| 3 | Geico | $123.75/month |
| 4 | Country | $165.97/month |
| 5 | Allstate | $176.48/month |
Georgia auto insurance requirements
Georgia law requires drivers to have bodily injury liability and property damage liability insurance. The state requires at least $25,000 per person and $50,000 per incident for bodily injury liability and $25,000 for property damage liability. If you are financing or leasing your car, your lender will likely require additional coverage.
Is usage-based insurance available in Georgia?
With usage-based insurance, also called telematics insurance, drivers can choose to track their driving habits, usually via a mobile app or other device, and get customized premiums based on their driving habits. UBI is available for drivers in Georgia.
FAQs about the cheapest car insurance rates in Georgia
There are several ways to lower the monthly cost of your car insurance. For example, you can ask for higher deductibles or see if you qualify for discounts for having certain safety features, maintaining a good driving record, or bundling multiple cars or policies. Finally, before you buy, shop around and compare coverages and costs to ensure you’re getting the best deal.
There are a lot of factors that determine the price of your car insurance. Some factors, including the car’s price, how much it costs to repair, its overall safety record and how likely it is to be stolen, are included in the premium calculation.
The average cost of car insurance in Georgia ranges from just under $120 to around $310 per month for our standard driver profile with no accidents or gaps in coverage.
Methodology
The estimated rates in this article are the lowest estimated rates based on the specific profile of a driver age 36 to 45 living in Georgia. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rate may vary depending on a range of factors, such as your age, vehicle driving habits and history. Note that these rates are provided every six months by Quadrant Information Services.
Average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes Georgia-mandated 25/50/25 insurance requirements.