Cheapest car insurance in Georgia 2023

Illustration of a license plate with the shape of the state of Georgia in the center, with text in the style of a license plate number that reads "SAV MOR"Image: Illustration of a license plate with the shape of the state of Georgia in the center, with text in the style of a license plate number that reads "SAV MOR"

In a Nutshell

We’ve crunched the data for several different driver profiles and found some of the cheapest car insurance on basic coverage for drivers in the Peach State. The average cost of car insurance in Georgia varies based on individual circumstances, such as credit score, age, driving history and vehicle.
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Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.


Taking a drive to Tallulah Gorge or Providence Canyon in Georgia could make for an excellent road trip. To ensure you’re safe out on the open road, you need auto insurance coverage that fits your needs. But could you be paying less for car insurance?

We looked at estimated car insurance rates from different insurance companies in Georgia and calculated average cost and the cheapest estimated rates on basic coverage for several driver needs and profiles.

We based our calculations on a relatively neutral driver profile — someone with no accidents, tickets or claims, for example — to evenly compare and get a baseline view of rates (see our full methodology). Your premium may be higher or lower given your personal driving history and other factors that affect car insurance, like your age, vehicle type, mileage and coverage options.

Read on to learn about Georgia’s average car insurance rates and our findings for the cheapest options on basic coverage in the Peach State.



Average car insurance premiums in Georgia

Average monthly premiums for basic car insurance in Georgia range from about $100 to just under $250, depending on driver profile.

Average monthly auto insurance premiums in Georgia

Driver or coverageAvg. monthly cost
State-minimum car insurance in Georgia $94.89
Drivers with poor credit in Georgia $153.78
Drivers with multiple claims in Georgia $237.18
Young drivers in Georgia $169.26
Based on our standard driver profile and minimal coverage unless otherwise noted

5 cheapest car insurance companies in Georgia

Geico appears among the top-five cheapest insurance companies for every category we analyzed. Unless otherwise noted, we based these calculations on an average driver profile at basic coverage to keep the comparison even. Our Georgia driver profile has a credit score between 680 and 719, no tickets or coverage gaps, and a vehicle valued between $20,000 and $30,000. Your rates may be different. You can read more in our methodology section.

1. Auto-Owners Insurance

Auto-Owners Insurance Company offers a wide variety of insurance options spanning auto, home, business and life. The company’s auto insurance offerings include standard coverage options like liability, collision, comprehensive and uninsured/underinsured motorist. Additional benefits include at-fault accident forgiveness, common-loss deductible and collision coverage advantage, the last of which waives the collision deductible if you’re in an accident with another car insured by Auto-Owners. Our Georgia driver profile could see auto insurance rates on basic coverage for as low as $50.90 per month from Auto-Owners.

2. Geico

Geico offers auto insurance in Georgia for as little as $60.04 per month for our standard driver profile with basic coverage. With a long list of available discounts and additional personalized coverage options, it may be a good option if you’re looking for affordable full coverage from a major auto insurance company.

Check out our full review of Geico.

3. Georgia Farm Bureau

Georgia Farm Bureau provides a wide array of insurance options, including auto, home, farm life, renters, business and health coverage. Georgia Farm Bureau primarily conducts business through company agents. The insurer offers various ways to save, including driver training, good student, multiline and safe driver discounts. Our Georgia driver may qualify for a basic-coverage rate as low as $68 per month.

4. Country

Country Financial, also known as Country, offers standard coverages and optional add-ons like The Keeper®, which may pay for a new car if you’re involved in an accident that renders your vehicle a total loss. The company also offers property, business, farm, life, health, crop and specialty insurance products. Our Georgia driver profile may get minimal insurance for as little as $74.92 per month.

5. Encompass

Encompass offers three main levels of insurance: Special, Deluxe and Elite. Each has different coverages attached to them. If you’re not looking for an insurance package, don’t worry — the company also offers stand-alone policies. Compass has more than a dozen discounts on offer, giving you plenty of opportunities to save on car insurance. Our Georgia driver profile could see basic coverage at Encompass for as low as $75.46 per month.

Cheapest state-minimum car insurance in Georgia

State-minimum car insurance usually includes bodily injury liability and property damage liability coverage and, in many states, is required to register and drive your car.

If you’re looking for state-minimum car insurance in Georgia, the five companies in the table that follows are worth a look.

5 cheapest car insurance companies in Georgia for state-minimum coverage

1Auto-Owners Insurance$50.90/month
2Geico$60.04/month
3Georgia Farm Bureau$68.00/month
4Country$74.92/month
5Encompass$75.46/month
Based on our standard driver profile seeking minimum coverage in Georgia

Cheapest car insurance for good credit in Georgia

If you have good credit, you may qualify for reduced rates on your car insurance. That’s because many insurers use a credit-based auto insurance score, which looks at factors like your payment history and the length of your credit history to determine insurance risk.

The five companies in the table below have the lowest estimated rates on basic coverage for Georgia drivers who are considered to have good credit.

5 cheapest car insurance companies in Georgia for those with good credit

1Auto-Owners Insurance$31.53/month
2Georgia Farm Bureau$51.11/month
3Geico$55.75/month
4Encompass$63.46/month
5Central Mutual Insurance$70.32/month
Based on our standard driver profile, adjusted to display rates for a Georgia driver with a credit score of 720 and above

Cheapest car insurance for poor credit in Georgia

Less-than-awesome credit may mean you pay a bit more for your car insurance, but there are ways to reduce your payments over time, including enrolling in a program that tracks good driving behavior.

The companies in the table that follows have the lowest estimated rates on basic coverage for Georgia drivers considered to have poor credit.

5 cheapest car insurance companies in Georgia for those with poor credit

1Geico$93.16/month
2Georgia Farm Bureau$99.50/month
3Encompass$121.21/month
4Mercury$121.60/month
5Country$122.07/month
Based on our standard driver profile, adjusted to display rates for a Georgia driver with a credit score below 580

Cheapest car insurance for drivers with multiple claims in Georgia

Insurance companies also examine how many claims you’ve made when determining your monthly car insurance premium. If you’ve made a lot of claims, your monthly payments could be affected.

If your loss history report has several claims in it, you may want to investigate the insurance companies listed in the table below.

5 cheapest car insurance companies in Georgia for multiple claims

1Central Mutual Insurance$78.13/month
2Auto-Owners Insurance$97.75/month
3Georgia Farm Bureau$99.50/month
4Geico$116.90/month
5Country$151.36/month
Based on our standard driver profile at minimum coverage, adjusted to display rates for a Georgia driver with two claims instead of zero

Cheapest car insurance for young drivers in Georgia

Under 21 and looking to insure your car? Younger, less-experienced drivers often pay more for their car insurance until they establish a history of making payments and driving safely.

The companies in the table below offer the cheapest car insurance on basic coverage for Georgia drivers between the ages of 18 and 21.

5 cheapest car insurance companies in Georgia for young drivers

1Geico$88.56/month
2Georgia Farm Bureau$95.67/month
3Encompass$96.33/month
4Auto-Owners Insurance$100.29/month
5Allstate$108.02/month
Based on our standard driver profile, adjusted to display rates for a Georgia driver age 18–21 instead of 36–45

Georgia auto insurance requirements

Georgia law requires drivers to have bodily injury liability and property damage liability insurance. The state requires at least $25,000 per person and $50,000 per incident for bodily injury liability and $25,000 for property damage liability. If you are financing or leasing your car, your lender will likely require additional coverage.

Is usage-based insurance available in Georgia?

With usage-based insurance, also called telematics insurance, drivers can choose to track their driving habits, usually via a mobile app or other device, and get customized premiums based on their driving habits. UBI is available for drivers in Georgia.

FAQs about the cheapest car insurance rates in Georgia

How can I lower my car insurance in Georgia?

There are several ways to lower the monthly cost of your car insurance. For example, you can ask for higher deductibles or see if you qualify for discounts for having certain safety features, maintaining a good driving record, or bundling multiple cars or policies. Finally, before you buy, shop around and compare coverages and costs to ensure you’re getting the best deal.

Which car brand has the cheapest insurance?

There are a lot of factors that determine the price of your car insurance. Some factors, including the car’s price, how much it costs to repair, its overall safety record and how likely it is to be stolen, are included in the premium calculation.

What is the average cost of car insurance per month in Georgia?

The average cost of car insurance in Georgia ranges from just under $100 to $250 per month for our standard driver profile with no accidents or gaps in coverage.

Methodology

The estimated rates in this article are the lowest estimated rates based on the specific profile of a driver age 36 to 45 living in Georgia. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.

Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rate may vary depending on a range of factors, such as your age, vehicle driving habits and history. Note that these rates are provided every six months by Quadrant Information Services.

Average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes Georgia-mandated 25/50/25 insurance requirements.


About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.