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Cheapest Car Insurance in Georgia [June 2026]

Georgia is an expensive state to drive in, but these cheap car insurance providers can help residents save.

By Steve Miller , Edited by Melinda Sineriz, ABFP®

Updated June 12, 2026

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Auto-Owners, Mile Auto, State Farm, and Allstate generally rank among the most affordable car insurance providers in Georgia.

Georgia drivers pay an average of $260 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.

Cheapest full coverage car insurance in Georgia

Full coverage insurance in Georgia averages $260 per month for full coverage, compared to the national average of $186. Among the most budget-friendly options, Auto-Owners, Mile Auto, State Farm, and Allstate lead as the cheapest car insurance providers available to Georgia residents. However, it is important to obtain multiple quotes to ensure your rate and policy reflect your unique situation.

	Average monthly full coverage cost
Georgia average	$260
National average	$186
Auto-Owners	$130
Mile Auto	$157
State Farm	$140
Allstate	$153

Cheapest liability-only car insurance in Georgia

For drivers seeking basic coverage, Mile Auto, Allstate, Auto-Owners, and State Farm are some of the most affordable liability car insurance providers in Georgia.

Liability-only coverage in Georgia costs an average of $157 per month, while the national average is $98.

	Average monthly liability-only cost
Georgia average	$157
National average	$98
Mile Auto	$89
Allstate	$85
Auto-Owners	$73
State Farm	$78

Cheapest 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 $450 per month for full coverage in Georgia.

Premiums start dropping as drivers enter their 20s, averaging $336 per month for full coverage. Costs continue declining through drivers' 30s and 40s, reaching approximately $275 and $257 per month, respectively.

Georgia seniors pay an average of $233 per month for full coverage in their 60s and $252 in their 70s.

The difference in cost across age brackets reflects insurers' risk assessments, with younger drivers being considered higher risk.

Age group	Average monthly full coverage cost	Average monthly liability-only cost
Teens	$450	$272
20s	$336	$203
30s	$275	$166
40s	$257	$155
50s	$243	$147
60s	$233	$141
70s	$252	$152

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Cheapest car insurance in Georgia for high-risk drivers

Georgia residents with a bad driving record may 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	$357	$215
Speeding ticket	$326	$197
DUI	$317	$191

Compare cheap car insurance after an accident

For Georgia drivers with an accident history, Auto-Owners, State Farm, and Mile Auto typically provide competitive car insurance options. Drivers with accident records pay an average monthly full coverage premium of $357 in the state of Georgia.

Company	Average monthly full coverage cost	Average monthly liability-only cost
Auto-Owners	$176	$99
State Farm	$189	$106
Mile Auto	$216	$122

Compare cheap car insurance after a speeding ticket

Georgia drivers with speeding violations can usually find affordable coverage through Auto-Owners, Mile Auto, and State Farm. Full coverage costs average $326 per month for drivers with speeding tickets in Georgia.

Company	Average monthly full coverage cost	Average monthly liability-only cost
Auto-Owners	$170	$95
Mile Auto	$191	$108
State Farm	$178	$99

Compare cheap car insurance after DUI conviction

Georgia motorists with DUI convictions can typically secure affordable full coverage through Auto-Owners, State Farm, and Mile Auto. In Georgia, full coverage policies for drivers with DUI records average $317 per month.

Company	Average monthly full coverage cost	Average monthly liability-only cost
Auto-Owners	$164	$92
State Farm	$186	$104
Mile Auto	$209	$118

Cheapest car insurance in Georgia by credit score

Credit scores significantly impact insurance premiums in Georgia. Drivers with excellent credit pay an average of $230 per month for full coverage, while those with poor credit face higher costs, starting at $325 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	$230	$139
Good	$253	$153
Average	$268	$162
Poor	$325	$196

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 2026, Georgia has one of the highest rates of uninsured drivers in the nation at around 18%, creating significant financial risk for insured drivers.

More about auto insurance in Georgia

Bottom line

Although these companies typically offer the cheapest 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 multiple car insurance companies and comparing them based on both cost, specific policy requirements, and service quality.

Data throughout provided by Insurify.

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