Lowest Auto Insurance Rates In Georgia - Reviewed auto insurance companies in Georgia to help you find the cheapest option based on your profile. For example, State Farm is the most affordable option for drivers with a history of at-fault accidents, but Nationwide will benefit drivers with bad credit. Comparing rates can help Georgia drivers save $1,193 each year.
Also analyzed the cheapest companies in Georgia by city for those looking for even more local prices and suggestions. We have also selected the best car insurance in Georgia for those who want to balance the quality and cost of services.
Lowest Auto Insurance Rates In Georgia
Why trust? The Georgia auto insurance rates in this study are based on our analysis of data and information from the Georgia Department of Insurance and Quaternary Information Services.
Cheapest Car Insurance Companies, Rates & Quotes (2022)
These rates were updated in August 2022 to reflect how Georgia auto insurance rates changed during that month.
Automobile liability insurance is mandatory for drivers in Georgia. A liability-only policy is the most affordable option and meets the state's minimum requirements.
USAA is the cheapest auto insurance for the military, costing about $493 a year. However, it only caters to those with a military background. Esurance is the most expensive carrier for minimum coverage, with average annual rates of $1,313.
These prices are only estimates based on prices for the average driver in Georgia and should not be used to compare insurance prices.
The Cheapest Cars To Insure In 2022
Many factors determine which company offers the most affordable auto insurance in Georgia for your specific needs. ranked the most affordable companies by comprehensive and collision coverage for the average driver. Taking the time to compare car insurance quotes can help you determine how much you might pay for insurance as you consider different providers.
USAA is the cheapest carrier at about $859 per year. However, USAA only serves those with a military background. The most expensive carrier for comprehensive coverage is Progressive, with average rates of $2,051 per year.
Remember that your individual costs will vary from these examples. Premiums are for a plan with comprehensive and collision coverage and $100,000 in personal injury liability coverage per person, $300,000 in bodily injury liability coverage per accident, and $100,000 in property damage coverage per accident.
The best insurance companies in Georgia offer a convenient online quote tool to help drivers easily get accurate quotes.
Best Cheap Car Insurance In Georgia (from $96/mo)
Young drivers are riskier to insure because they tend to be involved in more accidents than older, more experienced drivers. This results in higher premiums for new drivers. For example, the average cost of insuring a 16-year-old driver in Georgia is $4,696 per year, while a 25-year-old driver may pay just $1,906 per year on average for the same policy.
Based on its analysis, Allstate offers the cheapest car insurance rates for young drivers between the ages of 16 and 25.
In general, new drivers do not have the depth of experience that those who have been behind the wheel for a long time. Because of this, expect car insurance rates to be higher for teenagers than for adults. The chart below provides some approximate costs for new drivers in Georgia.
In Georgia, Allstate is the cheapest provider for young drivers ages 16 to 25. However, premiums vary widely, with 16-year-olds paying about $2,087 more than the average 25-year-old driver.
Top 10 States With Highest & Lowest Auto Insurance Rates
Older drivers in Georgia are typically charged slightly higher rates by auto insurers. In Georgia, older drivers must pay an average of $1,621 per year for their car insurance compared to $1,512 for the average adult driver.
While Nationwide's full coverage rates are cheaper for the average 40-year-old driver, Country Financial offers lower premiums for older drivers.
While most seniors are capable and safe drivers, Georgia auto insurance companies sometimes charge this demographic higher rates. Factors such as a driver's age, the type of car they drive, the amount of driving and their driving history affect car insurance premium rates. The chart above shows what Georgia seniors can expect to pay for auto insurance.
Older drivers may face higher car insurance rates, but there are still opportunities to save on premiums. One of the best ways is to compare offers from multiple providers. By following this strategy, senior drivers in Georgia can save up to $996 a year on insurance.
How Much Does Car Insurance Cost On Average?
Even a minor driving infraction, such as a speeding ticket, can increase your Georgia auto insurance rates. Drivers with a speeding ticket in Georgia must pay an average of $1,947 a year compared to $1,512 for clean drivers.
The most affordable auto insurance companies in Georgia for a driver with full coverage and a speeding ticket are:
USAA is the cheapest option and charges about $991 a year, but it only serves those with a military background.
If you get a ticket in Georgia for speeding or careless driving, finding cheap auto insurance can take some extra work, but it can be done. Georgia passed a new law in 2018 banning drivers from using their cellphones while driving, leading to an increase in distracted driving tickets. First-time offenders must pay a $50 fine and receive a point on their license. Getting such a ticket can affect your insurance rates. The table below shows some approximate costs to cover those with tickets.
Cheapest Full Coverage Auto Insurance
The high distracted driving tax can add up, but it will go away over time - provided you don't get another ticket. The Georgia Department of Driver Services assigns various points for driving violations, but residents can receive a point reduction of up to seven points once every five years.
A serious driving offense in Georgia, such as a DUI, can increase your car insurance costs. You may also need to file an SR-22. Georgia drivers with a DUI on their record are billed an average of $2,703 a year on their car insurance, compared to $1,512 for those with no offenses.
USAA is the second-cheapest option at about $1,666 a year, but it only serves those with a military background.
Although Nationwide is the second cheapest insurance company for Georgia drivers with a clean record, State Farm has lower rates for those with a DUI.
Looking For Cheap Georgia Auto Insurance Quotes? Look No Further!
Finding cheap DUI car insurance in Georgia can seem almost impossible because there are many costs associated with a DUI. In addition to the associated penalties, DUIs currently stay on your record for a full decade in Georgia, after which your rates will drop further. One way to save is to shop. Drivers with a DUI can save up to $3,886 a year just by comparing rates from multiple insurance companies.
There is a significant difference in insurance costs for a safe driver versus a driver with an at-fault offense on their record. Drivers with clean records pay an average of $1,512 a year for car insurance. By comparison, those in at-fault accidents pay an average of $2,527 a year.
If you belong to a military family, USAA is also an affordable option, offering an average annual insurance rate of $1,202.
A healthy credit score can lower your car insurance costs. In Georgia, a driver with bad credit is charged an average annual rate of $2,727 for auto insurance compared to $1,512 for an average driver with good credit.
Top 15 Factors That Affect Car Insurance Rates
The cheapest auto insurance carriers for a bad credit driver with full coverage in Georgia are:
USAA is the cheapest option at about $1,501 a year, but it only serves those with a military background.
Credit scores are an important measure that insurance companies use when developing offers because scores help them assess an applicant's ability to pay monthly premiums. The higher your credit score, the lower the car insurance premiums you are likely to pay. But even if you have bad credit, shopping around and comparing rates can help you save up to $1,138 in annual premiums.
Improving your credit score takes time, but it can be done. Making on-time payments, keeping your credit card utilization rates low, and using credit responsibly can help boost your score. See the estimates above for what Georgia drivers with low credit may have to pay for auto insurance.
Cheap Auto Insurance In Georgia For 2022
USAA was rated as the cheapest car insurance company in Georgia, with an annual premium of about $455. That's about $211 cheaper than the next most affordable provider, GEICO. However, USAA insurance policies are sold exclusively to active duty military members, veterans and their families.
Of all the companies we looked at, USAA had the cheapest premiums. Eligible policyholders can take advantage of USAA rebates to further reduce premiums. By bundling policies, taking a driver safety class, keeping a clean driving record and insuring multiple vehicles, military members can make USAA car insurance more affordable. You can also save extra money by keeping your car in a garage or based on how much you drive the car in a year.
The cost of your car insurance can vary depending on where you live in the state. Athens has the most affordable comprehensive auto insurance at $1,173 per year, according to Athena's analysis. By comparison, Atlanta drivers tend to pay the most for auto insurance, on average
Lowest auto insurance rates, lowest auto insurance rates in california, lowest insurance rates in texas, lowest auto insurance rates in florida, lowest auto insurance rates in texas, lowest mortgage rates georgia, lowest car insurance rates in georgia, lowest natural gas rates in georgia, lowest insurance rates in florida, find lowest auto insurance rates, lowest insurance rates in georgia, best auto insurance rates in georgia
