Home Insurance Companies In Georgia - To help you shop for the cheapest auto insurance in Georgia, our editorial team has collected quotes from some of the largest auto insurance companies in every zip code in the state. We've ranked the best companies in Georgia based on availability, convenience and customer service. We also rated insurance companies based on the affordability of multiple driver profiles.
To find the cheapest car insurance, we provide quotes that only include coverage that meets the minimum state requirements in Georgia: $25,000 in personal injury liability, $50,000 per accident, and $25,000 in property damage coverage.
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The Farm Bureau has the cheapest auto insurance rates in Georgia with minimum coverage. At $562 per year, Farm Bureau auto insurance costs 23% less than the national average and 12% less than the next best insurer, State Farm.
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The average cost of car insurance in Georgia is $716 per year, or $60 per month.
To get insurance coverage through the Farm Bureau, you must be a member of the Georgia Farm Bureau. Membership is open to all and only $35 per year. It's worth the membership fee, as their minimum coverage is $78 less per year than most insurers, and full coverage is $88 less per year.
Active-duty military members, veterans and their families can take advantage of the affordable US$557 a year.
The minimum auto insurance quote that meets Georgia's legal requirements includes $25,000,000 in personal injury liability and $25,000 in property damage coverage.
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Buying the minimum coverage is the cheapest way to ensure you're covered—in Georgia, it's $927 less per year than full coverage. However, the minimum coverage policy only pays for injuries caused by an accident or damage to another driver's vehicle or property. It does not cover damage to your vehicle or injury to you or your passengers.
The Farm Bureau also offers the cheapest rate for full coverage, at $1,322 a year — $321 less than the national average.
In addition to liability coverage, comprehensive coverage policies include comprehensive and collision coverage. Comprehensive coverage pays for damages caused by accidents such as hail or theft in your control, while collision coverage pays for damages to your vehicle while you are in control.
Insurance companies customize your rate based on a number of factors, including your driving history and credit score. Things like traffic violations or DUI citations in your driving history can cause your rates to go up. The percentage of drivers with incomplete Farm Bureau records is the best.
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Full coverage insurance quotes for Georgia drivers who have recently received a speeding ticket are 18% more expensive than those with clean records. Farm Bureau drivers have the cheapest fares for speeding drivers — the company raised $1,466 a year, a 9 percent increase.
Farm Bureau at-fault drivers are the cheapest. While the average cost of car insurance after an accident is $2,414, the Farm Bureau offers Georgia drivers full coverage insurance for $1,466 a year, which is about what you'd pay for a speeding ticket and 40% less than the average.
Car insurance premiums go up after an accident because drivers with recent accidents pose a higher risk to insurance companies than drivers with better insurance records. The average rate rose 47% after the error in Georgia.
From $2,555 a year, or $213 a month, for full coverage auto insurance, the Farm Bureau offers the best rates for Georgia drivers. The company's rate is $993 cheaper than the national average.
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Driving under the influence raises insurance rates more than any other traffic violation. While rates rose 18 percent after a speeding ticket and 47 percent after an at-fault ticket, they jumped from $1,662 to $3,549 after a DUI — a 116 percent increase.
The Farm Bureau offers the best rates for low credit Georgia drivers. The national average is $2,320 per year, but the Farm Bureau rate is $998 cheaper and $1,322 per year for a full-coverage insurance policy.
A bad credit score doesn't mean you're an irresponsible driver, but it can affect your Georgia car insurance rates. Car insurance for Georgia drivers with bad credit is 41% more expensive than drivers with average credit.
The Farm Bureau offers the best rate we found for married drivers at $1,322 a year — an average of $185.
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Statistically, married drivers cause fewer accidents than single drivers, resulting in lower rates for many insurance companies. Average annual rates for married drivers in Georgia are 8% cheaper than for single drivers.
The Farm Bureau offers affordable rates for young drivers in Georgia, with minimum coverage at an average annual cost of $1,852. Drivers who qualify for USAA can take advantage of even lower rates, at $1,317 a year — 48 percent below the average.
Younger and less experienced drivers typically see higher car insurance rates than older drivers. An 18-year-old driver can expect to pay an average of $2,521 a year for minimum insurance coverage – 234% more than a 30-year-old would.
Whenever possible, we recommend that young drivers share a policy with a parent or other older driver, which is often cheaper.
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Young drivers in Georgia can expect a 14% increase in car insurance rates after a speeding ticket. The Farm Bureau offers the cheapest coverage for these drivers at $2,035 a year, or $170 a month.
The Farm Bureau offers the cheapest car insurance for at-fault young drivers at $2,035 a year — the same as a speeding ticket.
This accident will cause the rate for an 18-year-old driver in Georgia to increase by 25%, and the minimum insurance policy will increase from $2,521 to $3,163.
USAA is the best auto insurance company in Georgia with the highest financial stability score and J.D.'s customer satisfaction score. The power and level of our editor.
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Drivers who do not qualify for USAA should consider the Department of Agriculture and State Farm. Both insurers received excellent marks for our financial strength, exemplary customer service scores and high ratings from our editors.
The J.D. Power Commission conducts an annual survey of auto insurance customers regarding their satisfaction with the company's claims service.
A.M. Meitao evaluates the insurer's financial performance based on the letter grade. A higher score indicates better financial ability to pay claims, with the highest score being A++.
Not only does the way you drive affect your car insurance rates, but so does where you live. Full coverage auto insurance in Georgia is over $1,600 per year.
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The cheapest car insurance in the country can be found in Auburn, with average rates 52% lower than the national average. On the other hand, Candler-McAfee drivers pay 50% more on average for auto insurance, the highest rate in the nation.
Like all states, drivers in Georgia are required to carry a minimum amount of liability insurance to legally drive. The following are the minimum insurance limits required in Georgia:
Georgia limits provide a reasonable amount of coverage, but we recommend that most drivers choose a higher limit. If your car is worth more than $3,000,000, we also recommend getting full coverage auto insurance, which adds collision and comprehensive coverage to your policy.
The average rates for Georgia Farm Bureau minimum coverage and full coverage auto insurance policies are $562 and $1,322, respectively. Eligible U.S. drivers can take advantage of lower rates -- $557 a year for minimum coverage and $1,295 a year for full coverage.
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The average cost of car insurance in Georgia is $60 per month for the minimum liability insurance policy. The average cost for full coverage is $137 per month.
Car insurance in Georgia is significantly cheaper than in other states. It ranks 18th in the nation for the lowest coverage policies, averaging $716 per year, and 36th for full coverage policies. Auto insurance rates in Georgia increased an average of 1.07 percent last year, slightly higher than the national average of 0.64 percent.
We found the best percentage of young drivers in Georgia through the Farm Bureau.
Georgians require at least $25,000/$50,000 in bodily injury coverage, plus at least $25,000 in property damage coverage. Georgia does not require bodily injury coverage or uninsured motorist coverage.
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We collected thousands of quotes from Georgia zip codes for six major insurance companies using sample drives in the following profiles:
Other citations are based on incomplete policies and clean driving records. Full coverage car insurance quotes include the following limitations:
For our minimum coverage policies, we refer to the minimum coverage required in Georgia as mentioned above. Citation criteria for young drivers were received using the minimum threshold.
Price data for this study were collected from the Quarterly Information Service. These were the proportions
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