List Of Auto Insurance Companies In Georgia - Search Georgia auto insurance companies 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 accidents, but Nationwide benefits drivers with bad credit. Comparing quotes can help Georgia drivers save $1,193 a year.
Also breaks down Georgia's cheapest airlines by city for those looking for more local prices and recommendations. We've also selected the best car insurance in Georgia for those looking to balance service quality and cost.
List Of Auto Insurance Companies In Georgia
Why trust? The Georgia auto insurance rates in this study are based on our analysis of data from the Georgia Department of Insurance and Quadrant Information Services.
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These rates were updated in August 2022 to reflect how Georgia auto insurance rates have changed through this month.
Auto liability insurance is mandatory for drivers in Georgia. Liability-only insurance is the cheapest option and meets minimum state requirements.
USAA is the cheapest car insurance for the military, costing $493 per year. However, it only serves those who have a military background. Esurance is the most expensive provider of minimum coverage, with an average annual rate of $1,313.
These rates are only estimates based on average Georgia driver rates and should not be used to compare insurance rates.
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There are many factors that determine which company offers the most affordable car insurance in Georgia for your needs. The cheapest companies are ranked based on comprehensive and average driver collision coverage. Comparing car insurance quotes can help you decide how much you can afford to pay for insurance when considering different providers.
USAA is the cheapest provider at about $859 per year. However, USAA only serves those with a military background. The most expensive carrier that offers full coverage is Progressive, with an average rate of $2,051 per year.
Note that personal expenses are different from these examples. Insurance premiums cover comprehensive and collision coverage with $100,000 personal injury liability, $300,000 accident coverage and $100,000 property coverage per accident.
Georgia's leading insurance companies offer a convenient online quoting tool that makes it easy for drivers to get accurate quotes.
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Younger drivers are riskier to insure because they are involved in more traffic accidents than older, more experienced drivers. This results in higher insurance premiums for young drivers. For example, the average insurance premium for a 16-year-old driver in Georgia is $4,696 per year, while a 25-year-old driver can pay an average of $1,906 per year for the same policy.
Allstate offers the cheapest car insurance for young drivers ages 16 to 25, based on the company's analysis.
In general, young drivers do not have the depth of experience that has been behind the wheel for a long time. Because of this, it is assumed that car insurance rates are higher for teenagers than for adults. Below are some estimated costs for young drivers in Georgia.
In Georgia, Allstate is the cheapest provider for young drivers ages 16 to 25. However, premiums vary considerably, with 16-year-olds paying $2,087 more than the average 25-year-old driver.
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Older drivers in Georgia are generally charged slightly higher rates by auto insurers. In Georgia, older drivers must pay an average of $1,621 per year for their auto insurance, compared to $1,512 for the average adult driver.
While Nationwide's full coverage rates are cheaper for drivers in their 40s on average, Country Financial offers lower premiums for older drivers.
Although most seniors are capable and safe drivers, Georgia auto insurance companies sometimes charge higher rates for this population. Factors such as the driver's age, the car he drives, the amount of driving and driving skills all affect senior car insurance. The chart above shows what Georgia seniors can expect to pay for auto insurance.
Older drivers may face lower car insurance rates, but there are still opportunities to save on premiums. One of the best ways is to compare the offers of several service providers. By following this strategy, Georgia senior drivers can save up to $996 in annual insurance costs.
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Even a minor driving violation, such as a speeding ticket, can increase your auto insurance in Georgia. Drivers with speeding tickets in Georgia must pay an average of $1,947 a year, compared to $1,512 for clean drivers.
The cheapest auto insurers in Georgia for a driver with full coverage and a speeding ticket are:
USAA is the cheapest option and charges about $991 per year, but only serves people with a military background.
If you get a ticket for speeding or distracted driving in Georgia, finding cheap auto insurance can take some extra work, but it can be done. In 2018, Georgia introduced a new law that prohibits motorists from using their cell phones while driving, leading to an increase in distracted driving tickets. First-time offenders must pay a $50 fine and receive one point on their driver's license. Getting such a ticket can affect your insurance premium. The table below shows some approximate costs for ticket holders.
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A higher rate of distracted driving may increase, but it will go away over time - if you don't get another ticket. The Georgia Department of Driver Services assigns different points for driving violations, but residents can receive a seven-point deduction every five years.
A serious driving offense in Georgia, such as a DUI, can increase your auto insurance costs. You may also need to submit an SR-22. Georgia drivers with a DUI are charged an average of $2,703 per year on their auto insurance, compared to $1,512 for those with no violations.
USAA is the second cheapest option at $1,666 per year, but it only caters to those with a military background.
While Nationwide is the second cheapest insurer for Georgia drivers with a clean record, State Farm has lower rates for those with a DUI.
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Finding cheap auto insurance with a DUI in Georgia can seem almost impossible because of the many costs associated with a DUI. In addition to the associated penalties, DUIs currently stay on your record in Georgia for ten years, after which rates should continue to decrease. One way to save is shopping. Drivers with a DUI can save up to $3,886 per year by comparing quotes from multiple insurance companies.
There is a significant difference in insurance premiums for a safe driver compared to a driver with violations on their record. Drivers with a clean record pay an average of $1,512 per year for auto insurance. By comparison, people with accident records pay an average of $2,527 per year.
If you're part of a military family, USAA is also an affordable option, offering an average annual premium 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 the average driver with good credit.
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The most affordable auto insurance companies for bad credit drivers with full coverage in Georgia are:
USAA is the cheapest option at about $1,501 per year, but only serves people with a military background.
Credit scores are an important criterion used by insurance companies when preparing offers, as scores help assess an applicant's ability to make monthly payments. The higher your credit score, the lower your car insurance premium is likely to be. 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 payments on time, keeping your credit card usage low, and using credit responsibly can help boost your score. See estimates above for what Georgia drivers with poor credit might pay for auto insurance.
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USAA was ranked as the cheapest auto insurance company in Georgia with an annual premium of about $455. That's about $211 less than the next cheapest provider, GEICO. However, USAA policies are only sold to active duty military members, veterans and their families.
Of all the companies we reviewed, USAA had the lowest premiums. Policyholders can take advantage of USAA discounts to further reduce premiums. By combining policies, taking a driver's safety course, maintaining a clean driving record, and insuring multiple vehicles, military members can make their USAA auto insurance more affordable. You can also save more by repairing your car or depending on how much you drive your car in a year.
The cost of car insurance depends on where you live in the state. According to the analysis, Athens has the cheapest full coverage car insurance at $1,173 per year. By comparison, drivers in Atlanta pay the most for auto insurance, on average
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