Best Car Insurance in Georgia for 2025

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 $252 per month, compared to the national average of $193.

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Key takeaways

USAA is the best car insurance in Georgia for customer satisfaction, averaging $164 per month for full coverage.
In Georgia, drivers with full coverage policies pay an average of $252 per month.
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. Of the companies we surveyed in Georgia, USAA is cost-effective option and has the highest customer satisfaction scores, and State Farm and Auto-Owners also have competitive prices.

Provider	J.D. Power customer satisfaction rating	Estimated monthly full coverage	Estimated monthly minimum liability coverage
USAA	876/1,000	$164	$123
State Farm	847/1,000	$141	$105
Progressive	836/1,000	$149	$88
Nationwide	834/1,000	$340	$254
Allstate	832/1,000	$154	$115
GEICO	828/1,000	$247	$186
Auto-Owners	816/1,000	$131	$98

USAA: Best for military members

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

Read our USAA review

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State Farm: Best budget pick

Multiple policy and discount options make State Farm a good choice. It averages $141 per month for full coverage or $105 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

Read our State Farm review

Nationwide: Best for coverage options

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 a high rate for minimum coverage in Georgia, averaging $254 per month

Read our Nationwide review

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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 ($154 for full and $115 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

Read our Allstate review

GEICO: Best for senior drivers

In Georgia, seniors over 60 pay an average of $217 monthly for premiums. 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

Read our 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 $252 for full coverage, compared to the national average of $193.

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 ($240 monthly).

City	Avg. monthly full-coverage premium
Atlanta	$313
Alpharetta	$240
Savannah	$270
Macon	$303
Augusta	$229
Athens	$209

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 monthly average cost of car insurance in Georgia is $252 for full coverage and $164 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 cheap car insurance in Georgia, averaging $164 per month for full coverage and $123 per month for the state's minimum coverage.

However, USAA is only available to military members and their families. State Farm is also inexpensive; coverage averages $141 for full coverage and $105 for minimum coverage per month in Georgia.

Data throughout provided by Insurify.

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