Best Car Insurance in Georgia for 2023

Georgia has nearly 90,000 miles of roads winding through beautiful scenery and gorgeous coastlines. Before you hit the road and start exploring, consider the cost of car insurance in the Peach State. 

While Georgia has a below-average cost of living and housing, its car insurance rates average $1,555, compared to the national average of $1,582.

Key takeaways

• USAA is the best car insurance in Georgia for customer satisfaction, averaging $1,077 per year for comprehensive coverage.
• In Georgia, drivers with full coverage policies pay an average of $129 per month.
• Young drivers in Georgia pay an average of $4,930 a year for full coverage.

Best car insurance companies in Georgia

Finding the best car insurance in Georgia depends on factors like your age, what and how you drive, and even where you live. Of the companies we surveyed in Georgia, USAA is the most cost-effective option and has the highest customer satisfaction scores, followed by State Farm. 

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	876/1,000	$1,077/year	$492/year
State Farm	847/1,000	$1,478/year	$732/year
Progressive	836/1,000	$1,714/year	$875/year
Nationwide	834/1,000	$1,524/year	$897/year
Allstate	832/1,000	$1,550/year	$822/year
GEICO	828/1,000	$1,582/year	$745/year
Auto-Owners	816/1,000	$1,203/year	$360/year

USAA: Most affordable coverage

Although USAA is only available to military members, it earned the highest customer satisfaction of carriers in Georgia if you qualify. USAA has fewer coverage options than competitors, but it is a solid choice for standard car insurance.

Get a quote now | USAA review

State Farm: Best budget pick

Multiple policy and discount options make State Farm a good choice. It averages $1,478 yearly for full coverage or $732 for minimum coverage. It has the second-highest customer satisfaction rating on our list of best car insurance providers.

Get a quote now | State Farm review

Nationwide: Best for coverage options

Nationwide is in the middle of the pack, costing about $1,524 yearly for full coverage, compared to the Georiga average of $1,555. However, Nationwide can be a good option for people looking for multiple policy options, including rental car and gap insurance. It also has an extensive list of discounts to help you save money on your policy.

Get a quote now | Nationwide review

Allstate: Best for new cars

Allstate’s gap policies can help you avoid paying for your new car if it’s stolen or totaled in an accident. Although its coverage is generally more expensive than its competitors ($1,550 for full and $822 for minimum), it is right around both the full and minimum coverage averages in Georiga.

Get a quote now | Allstate review

GEICO: Best for senior drivers

In Georgia, seniors over 60 pay an average of $2,233 yearly for premiums, significantly more than the state average of $1,555. GEICO offers people over 50 a Prime Time contract to help lower insurance premiums as they age, along with standard discount options.

Get a quote now | GEICO review

Georgia auto insurance requirements

In Georgia, like in other states, drivers must maintain a certain level of insurance in case they get in an accident. The state’s minimum insurance requirements are:

• $25,000 in bodily injury liability for one person
• $50,000 in bodily injury protection for two or more people
• $25,000 property damage liability

How to choose a car insurance provider in Georgia

Finding the right insurance in Georgia depends on the provider you have. To find the best provider for you, use the following tips:

• Ask around: Ask family and friends for recommendations and read online reviews to help you make a good decision. While you must take some complaints with a grain of salt, you should feel comfortable working with your chosen insurance agent or company.
• Check pricing and discounts: Review multiple companies to compare pricing and discount structures. While it might take some extra time, ensuring you’re getting the best pricing and all the discounts you qualify for can help you save money in the long run.
• Check financial stability: Before starting a policy with any insurance company, check their financial stability and ability to pay claims on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Georgia Insurance Office to confirm a company is licensed in Georgia.

How much does car insurance cost in Georgia?

People who live in dense cities tend to pay more for auto insurance due to higher crime rates and traffic congestion. The average cost of car insurance in Georgia is $1,555 for full coverage, compared to the national average of $1,582.

Atlanta drivers will likely spend the most on car insurance in the state, while drivers in Athens will pay some of the lowest premiums.

Georgia car insurance rates by city

Atlanta is the biggest city in Georgia, with over 500,000 people, and drivers may expect to pay some of the highest rates in the state for car insurance. Interestingly, nearby Alpharetta, with a population of just over 67,000, spends nearly as much for car insurance ($2,368 annually).

City	Avg. annual full-coverage premium
Atlanta	$2,438/year
Alpharetta	$2,368/year
Savannah	$2,076/year
Macon	$2,148/year
Augusta	$1,810/year
Athens	$1,282/year

Methodology

FAQs about car insurance costs in Georgia