Cheap Auto Insurance Quotes in Georgia

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Georgia Car Insurance Averages for Annual Premiums

Minimum Coverage Average
Full Coverage Average
All Coverage Types Average

Cheapest Car Insurance in Georgia

Getting cheap car insurance in Georgia doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Georgia affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.


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Best Car Insurance in Georgia

The Insureist™ Data Science team ranks the best insurance companies in Georgia using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Georgia are determined based on these results.

Car Insurance in Georgia

Georgia Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Georgia to give you an idea of the average insurance premium in each city.  GA insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Georgia Car Insurance Quotes

The cheapest insurance companies in Georgia will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Georgia. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Georgia.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for GA car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for GA auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some GA insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Georgia SR‌-22 Insurance

You will need to get SR‌-22 insurance in GA if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in GA files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Georgia Car Insurance & Driving Facts

Which car insurance is best in Georgia?

The best car insurance company in Georgia will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple GA insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Georgia?

The minimum auto insurance liability coverage required in the state of Georgia is 25/50/25. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $25000 property damage coverage per accident. While these are the legal minimums to drive in Georgia, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional GA auto insurance coverage depending on your financial situation.

How much does car insurance cost in Georgia?

The average annual cost of an auto insurance policy in Georgia is $1286. The average minimum coverage annual cost in Georgia is $640. The average full coverage annual cost in Georgia is $1746.

How does car insurance work in Georgia?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Georgia?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Georgia Map


Vehicle Insurance


Georgia () is a state in the Southeastern region of the United States, bordered to the north by Tennessee and North Carolina; to the northeast by South Carolina; to the southeast by the Atlantic Ocean; to the south by Florida; and to the west by Alabama. Georgia is the 24th-largest in area and 8th-most populous of the 50 United States. Its 2019 estimated population was 10,617,423, according to the U.S. Census Bureau.Atlanta, a "beta(+)" global city, is both the state's capital and its largest city. The Atlanta metropolitan area, with an estimated population of more than 6 million people in 2019, is the 9th most populous metropolitan area in the United States and contains about 57% of Georgia's entire population.

Founded in 1733 as a British colony, Georgia was the last and southernmost of the original Thirteen Colonies to be established. Named after King George II of Great Britain, the Colony of Georgia covered the area from South Carolina south to Spanish Florida and west to French Louisiana at the Mississippi River. On January 2, 1788, Georgia became the fourth state to ratify the United States Constitution. From 1802 to 1804, western Georgia was split to form the Mississippi Territory, which later was admitted as the U.S. states of Alabama and Mississippi. Georgia declared its secession from the Union on January 19, 1861, and was one of the original seven Confederate States. Following the Civil War, it was the last state to be restored to the Union, on July 15, 1870. In the post-Reconstruction era, Georgia's economy was transformed as a group of prominent politicians, businessmen, and journalists, led by Henry W. Grady, espoused the "New South" philosophy of sectional reconciliation, industrialization, and white supremacy. During the 20th century, several Georgians, most notably Martin Luther King Jr., were prominent leaders during the civil rights movement. Since 1945, Georgia has seen substantial population growth as part of the broader Sun Belt phenomenon. From 2007 to 2008, 14 of Georgia's counties ranked among the nation's 100 fastest-growing.

Georgia is defined by a diversity of landscapes, flora, and fauna. The state's northernmost regions include the Blue Ridge Mountains, part of the larger Appalachian Mountain system. The Piedmont plateau extends from the foothills of the Blue Ridge south to the Fall Line, an escarpment to the coastal plain defining the state's southern region. Georgia's highest point is Brasstown Bald at 4,784 feet (1,458 m) above sea level; the lowest is the Atlantic Ocean. With the exception of some high-altitude areas in the Blue Ridge, the entirety of the state has a humid subtropical climate. Of the states entirely east of the Mississippi River, Georgia is the largest in land area.


Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.


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