INSURANCE - CAR INSURANCE

Best Car Insurance in Georgia for 2024

Updated Nov. 6, 2023
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Learn more about the factors affecting Georgia's car insurance rates and how you can save money with the best car insurance options in the Peach State.

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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.

In this article

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

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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.

Pros
  •  USAA is the lowest-cost option in Georgia for those who qualify
  •  Offers pay-as-you-drive auto insurance and a SafePilot discount
Cons
  •  USAA’s availability is limited to military members and their families
  •  You may need to look elsewhere for some specialty coverage options

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.

Pros
  •  State Farm has multiple coverage options, including rideshare and rental reimbursement
  •  Their accident-free discount may increase over time the longer you go without an accident
Cons
  •  You’ll likely need to work directly with an agent to get specialty coverage
  •  State Farm has fewer policy options in Georgia than some competitors

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.

Pros
  •  Offers accident forgiveness and vanishing deductibles, among other programs
  •  Offers standard coverages and specialty policies like towing and labor coverage
Cons
  •  Nationwide earned lower customer satisfaction scores than some competitors
  •  It has the highest rate for minimum coverage in Georgia, averaging $1,555 a year

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.

Pros
  •  Offers multiple policy options, including vehicle protection plans and theft deterrents
  •  It has similar pricing to its competitors
Cons
  •  Has one of the lowest customer service scores in Georgia
  •  Discounts and policies may only be available in some areas

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.

Pros
  •  Offers policies and guaranteed renewal programs specifically for people over 50
  •  Long list of discounts to help you save more on your insurance premium
Cons
  •  GEICO has the lowest customer satisfaction score, earning 828 out of 1,000
  •  One of the most expensive options in Georgia

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

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Georgia

What are the minimum car insurance coverage requirements in Georgia?

In Georgia, the minimum car insurance requirements are $25,000 per person bodily injury liability and $50,000 per accident bodily injury liability. Drivers must also maintain $25,000 in property damage liability.

How much does car insurance cost in Georgia?

The annual average cost of car insurance in Georgia is $1,555 for full coverage and $801 for minimum coverage. 

Which car insurance companies cover Georgia?

Multiple car insurance companies provide coverage in Georgia, including many nationally known companies like State Farm, Allstate, GEICO, Progressive, and Nationwide.

What is the cheapest car insurance company in Georgia?

USAA offers the cheapest car insurance in Georgia, averaging $1,077 per year for full coverage and $492 per year for the state’s minimum coverage. 

However, USAA is only available to military members and their families. State Farm was the next cheapest on our list; coverage averages $1,478 for full coverage and $732 minimum coverage per year in Georgia. 

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.