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Auto-Owners, Mile Auto, and State Farm rank among the most affordable car insurance providers in Georgia.
Georgia drivers pay an average of $249 monthly for full-coverage car insurance, compared to the national average of $186. Your actual premium depends on multiple factors including age, driving history, and where you live. Getting quotes from several insurance companies remains the most effective way to find your lowest rate.
We've analyzed Georgia's cheapest car insurance options by coverage type, driver profile, and insurance company to help you figure out which is best for your auto insurance needs.
Affordable full-coverage car insurance in Georgia
Full-coverage insurance in Georgia averages $249 per month, compared to the national average of $186. Among the most budget-friendly options, Auto-Owners, Mile Auto, and State Farm lead as cheapest car insurance providers available to Georgia residents.
| Average monthly full coverage cost | |
| Georgia average | $249 |
| National average | $186 |
| Auto-Owners | $132 |
| Mile Auto | $138 |
| State Farm | $142 |
| Progressive | $166 |
Affordable liability-only car insurance in Georgia
For drivers seeking basic coverage, Mile Auto, Progressive, and Auto-Owners are some of the most affordable liability car insurance providers in Georgia.
Liability-only coverage in Georgia costs an average of $162 per month, while the national average is $104.
| Average monthly liability-only cost | |
| Georgia average | $162 |
| National average | $104 |
| Mile Auto | $88 |
| Progressive | $83 |
| Auto-Owners | $96 |
| State Farm | $103 |
Cheap car insurance in Georgia by age
Age plays a major role in determining insurance costs. Car insurance for teens carries the highest premiums because of their limited driving experience, averaging $442 per month for full coverage in Georgia.
Premiums start dropping as drivers enter their 20s, averaging $323 per month for full coverage. Costs continue declining through drivers' 30s and 40s, reaching approximately $265 and $242 per month, respectively.
Rates may increase again for older drivers. Georgia seniors pay an average of $219 per month for full coverage in their 60s and $242 in their 70s.
The difference in cost across age brackets reflects insurers' risk assessments. Younger drivers are considered higher risk and senior drivers sometimes face increased rates due to factors like declining health and changing driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $442 | $288 |
| 20s | $323 | $210 |
| 30s | $265 | $173 |
| 40s | $242 | $157 |
| 50s | $232 | $151 |
| 60s | $219 | $143 |
| 70s | $242 | $157 |
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Cheap car insurance in Georgia for high-risk drivers
Georgia residents with a bad driving record pay more for car insurance. Traffic violations or accidents often result in higher insurance premiums. Below are the average costs in Georgia for motorists with accidents, speeding tickets, or DUI convictions on their records.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $334 | $217 |
| Speeding ticket | $305 | $199 |
| DUI | $400 | $261 |
Compare low-cost car insurance after an accident
For Georgia drivers with an accident history, Auto-Owners, State Farm, and Mile Auto provide competitive car insurance options. Drivers with accident records pay an average monthly full-coverage premium of $334.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $172 | $125 |
| State Farm | $186 | $135 |
| Mile Auto | $184 | $118 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Georgia drivers with speeding violations can find affordable coverage through Auto-Owners, Mile Auto, and State Farm. Full coverage costs average $305 per month for drivers with speeding tickets.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $165 | $120 |
| Mile Auto | $163 | $104 |
| State Farm | $175 | $127 |
Compare low-cost car insurance after DUI conviction
Georgia motorists with DUI convictions can secure affordable full coverage through Auto-Owners, Progressive, and Mile Auto. Full coverage for drivers with DUI records averages $400 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $206 | $150 |
| Progressive | $268 | $134 |
| Mile Auto | $215 | $138 |
Cheap car insurance in Georgia by credit score
Credit scores significantly impact insurance premiums in Georgia. Drivers with excellent credit pay an average of $224 per month for full coverage, while those with poor credit face higher costs, starting at $311 per month.
This difference in rates shows how credit scores influence insurance pricing, with poor credit generally resulting in higher premiums due to insurers' assessment of payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $224 | $146 |
| Good | $243 | $158 |
| Average | $254 | $166 |
| Poor | $311 | $202 |
FAQs
Why do Georgia drivers in Atlanta pay more than those in rural areas?
Atlanta consistently ranks among the most expensive areas in Georgia for car insurance due to population density, heavy traffic congestion, and higher crime rates. The metro area experiences some of the worst traffic in the country, leading to more frequent fender-benders and collision claims. Theft rates in the city are also significantly higher, making comprehensive coverage more expensive.
Rural Georgia drivers benefit from lower population density, fewer accidents, and reduced vehicle theft, resulting in substantially lower premiums across all coverage types.
How does Georgia's weather affect car insurance rates throughout the state?
Georgia's geography creates distinct regional weather risks that impact insurance pricing. Coastal counties face hurricanes and flooding, while inland areas deal with tornados and severe thunderstorms.
Some parts of the state see frequent hailstorms that cause extensive vehicle damage. Georgia weather makes comprehensive coverage especially important, as standard liability coverage won't protect against storm-related damage, fallen trees, or flood damage from the state's heavy seasonal rainfall.
Does Georgia have a high uninsured motorist rate?
Yes, as of 2023 — the most recent year for which the Insurance Information Institute provides data — Georgia has the eleventh-highest rate of uninsured drivers in the nation at 19%, creating significant financial risk for insured drivers.
Bottom line
Although these companies offer the lowest rates in Georgia, they might not provide the best value for your specific car insurance requirements. The most effective approach to finding the right insurer is obtaining quotes from the best car insurance companies and comparing them based on both cost and service quality.
Data throughout provided by Insurify.
Average rate:
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