Best Car Insurance in Georgia for 2026

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 $260 per month for full coverage, compared to the national average of $186.

Key takeaways

Allstate, Progressive, and USAA rank as top car insurance carriers in Georgia according to FinanceBuzz star ratings.
In Georgia, drivers pay an average of $260 per month for full coverage policies.
Young drivers in Georgia pay an average of $450 per month 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. Several major insurers operate in Georgia, including GEICO, Allstate, Liberty Mutual, and Progressive. In addition, a number of smaller carriers, such as Mile Auto, Root, and Mercury, could offer more competitive pricing depending on your circumstances. The chart below provides an overview of average full coverage insurance costs from select carriers in Georgia. However, comparing quotes from multiple insurers is the best way to find the most affordable coverage and the policy that best fits your needs.

Provider	FinanceBuzz Star Ratings	Estimated monthly full coverage	Estimated monthly minimum liability coverage
USAA	5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$164	$91
State Farm	4.8 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$140	$78
Progressive	5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$217	$107
Mercury	4.2 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$212	$125
Allstate	5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$153	$85
Root	4.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$222	$145
Auto-Owners	4.8 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	$130	$73

USAA

USAA is exclusively available to eligible military members, veterans, and their families. It earned the highest available rating from FinanceBuzz, along with Progressive and Allstate. USAA may have fewer coverage options than competitors, but it is a solid choice for military-focused benefits.

Pros

Typically lower car insurance premiums for eligible drivers
Offers pay-as-you-drive auto insurance and a SafePilot discount

Cons

Only available to military members and their families
Lacks some specialty coverage options

Get a quote | Read our USAA review

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State Farm

State Farm is one of the largest auto insurers in the U.S., offering broad coverage options, a large network of local agents, and competitive rates for many drivers. It stands out for personalized service and strong claims support, though rates and discounts may vary depending on your location and driving profile.

Pros

Offers multiple coverage options, including rideshare and rental reimbursement
Extensive network of local agents for personalized support

Cons

Rates may be higher than some competitors for certain driver profiles
Fewer digital-first features than some newer insurance companies

Get a quote | Read our State Farm review

Progressive

Progressive is a large auto insurer known for flexible coverage options and innovative tools that help drivers compare prices and customize policies. It's a solid option for drivers seeking discounts or coverage after accidents or violations, though average premiums may be higher than some competitors. Bundling policies can potentially help reduce costs.

Pros

Received highest rating available from FinanceBuzz, along with Allstate and USAA
Wide range of coverage options and policy add-ons

Cons

Roadside assistance is an add-on expense
Not always the cheapest option for drivers with clean records

Get a quote | Read our Progressive review

Mercury

Mercury Insurance offers affordable auto coverage in select states, such as Georgia, and can be a strong option for drivers seeking lower premiums. The company provides a range of coverage options and discounts, though its digital tools may not be as robust as those of larger national insurers and its FinanceBuzz rating was lower than other carriers.

Pros

Lower-than-average rates for many drivers
Local agents provide personalized service

Cons

Mobile app and online tools are less advanced than some competitors
Fewer nationwide resources and features than larger insurers

Get a quote | Read our Mercury review

Allstate

Allstate is a national insurer that offers a wide range of coverage options, strong digital tools, and unique features like accident forgiveness and safe-driving programs. It offers a large network of agents available nationwide. Allstate's gap policies can help you avoid paying for your new car if it's stolen or totaled in an accident, and it received the highest FinanceBuzz star rating available, along with Progressive and USAA.

Pros

Multiple discount opportunities, including bundling and safe-driving savings
Unique features such as accident forgiveness and deductible rewards

Cons

Some discounts and features may not be available in every state
Only sells insurance in six-month term periods

Get a quote | Read our Allstate review

Root

Root is a usage-based auto insurer that relies heavily on driving behavior to determine rates. Through its mobile app, the company tracks factors such as braking, speed, and driving habits to reward safe drivers with potentially lower premiums. While Root may offer savings for good drivers, those with riskier driving habits could end up paying more. It also received a lower FinanceBuzz star rating than some of its competitors.

Pros

Rates are based largely on driving behavior rather than traditional factors alone
Easy-to-use mobile app for quotes, policy management, and claims

Cons

Drivers must complete a driving test through the app to receive a quote
Not ideal for drivers who prefer in-person support

Get a quote | Read our Root review

Auto-Owners

Auto-Owners is a regional insurer known for extensive coverage options and dependable claims service. Available in select states, Georgia included, through independent agents, it can be an excellent choice for drivers who value personalized service, though it lacks the nationwide availability and digital-first experience of some larger competitors.

Pros

Multiple discounts, including bundling, and safe driver savings
Wide range of coverage options

Cons

Mobile app and digital tools are less robust than some national competitors
Quotes generally require working with an agent rather than getting an instant online estimate

Get a quote | Read our Auto-Owners 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 $260 for full coverage, compared to the national average of $186.

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 full coverage car insurance ($249 monthly).

City	Avg. monthly full-coverage premium
Atlanta	$346
Alpharetta	$249
Savannah	$282
Macon	$293
Augusta	$240
Athens	$223

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.Learn more about how FinanceBuzz evaluates car insurance carriers based on factors like pricing, customer experience, financial stability, and overall value.

FAQs

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 monthly average cost of car insurance in Georgia is $260 for full coverage and $157 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, along with smaller carriers such as Root, Auto-Owners, and Mercury.