Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not […]
Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.
A great road trip could include a visit to Tallulah Gorge in Georgia or Providence Canyon in Georgia. Auto insurance that meets your needs will ensure that you are safe on the road. Could you be paying less car insurance?
We compared the estimated car insurance rates of different Georgia insurance companies and determined the average cost and cheapest estimates for basic coverage for various driver profiles and needs.
To evenly compare rates and get a baseline view, we used a neutral driver profile (no claims, tickets, or accidents). Your driving record and other factors that impact car insurance such as your age, vehicle type and mileage can all affect your premium.
Continue reading to find out about Georgia’s average car-insurance rates. We also reveal our findings regarding the most affordable basic coverage options in Georgia.
Average car insurance premiums for Georgia
Based on the driver profile, average monthly premiums for basic Georgia car insurance range from $100 to just below $250.
Average monthly premiums for auto insurance in Georgia
Driver and coverage |
Avg. Monthly cost |
Georgia Minimum car insurance for Georgia |
$94.89 |
Drivers with bad credit in Georgia |
$153.78 |
Drivers in Georgia with multiple claims |
$237.18 |
Young drivers in Georgia |
$169.26 |
Based upon our standard driver profile, minimal coverage, unless noted
Georgia’s cheapest car insurance companies
Geico is among the top five cheapest insurance companies in every category that we examined. These calculations were based on an average driver profile with basic coverage, except where noted. This allows for a fair comparison. The Georgia driver profile includes a credit score of 680-719, no tickets, coverage gaps, and a vehicle worth between $20,000-$30,000,000. Rates may vary. Learn more about our methodology section.
1. Auto-Owners insurance
Auto-Owners Insurance Company offers many insurance options that cover auto, home and business. The company’s auto insurance offerings include standard coverage options like liability, collision, comprehensive and uninsured/underinsured motorist. Additional benefits include collision coverage advantage, common-loss-deductible, and at-fault accident forgiveness. The collision coverage advantage waives the collision-deductible in the event of an accident with another vehicle insured by Auto-Owners. Georgia drivers could get auto insurance rates starting at $50.90 per months from Auto-Owners.
2. Geico
Geico offers Georgia auto insurance starting at $60.04 per monthly for our standard driver profile and basic coverage. It offers a wide range of discounts and personalized coverage options that may make it a great choice if you are looking for affordable, full coverage from a major insurance company.
See our complete review of Geico
3. Georgia Farm Bureau
Georgia Farm Bureau offers a variety of insurance options including auto, home and farm life, renters, health, and business coverages. Georgia Farm Bureau does business mainly through its agents. There are many ways to save with the insurer, such as driver training, safe driver discounts, and multiline, good student, multiline, and multiline insurance. Georgia drivers may be eligible for basic coverage rates as low as $68 per monthly
4. Country
Country Financial, also known by Country, provides standard coverages as well as optional add-ons such The Keeper(r), that may pay for a brand new car if your vehicle is damaged or destroyed in an accident. Country Financial also offers specialty, property, farm, life and health insurance products. Georgia drivers may be eligible for minimal insurance as low as $74.92 per monthly.
5. Encompass
Encompass offers three levels of insurance: Elite, Deluxe, and Special. Each level has its own coverage. The company also offers standalone policies if you don’t need an insurance package. Compass offers more than 12 discounts, so you can save money on your car insurance. Basic coverage with Encompass could be available for Georgia drivers as low as $75.46 per monthly
The cheapest state-minimum auto insurance in Georgia
In many states, you are required to register your vehicle and purchase state-minimum auto insurance. This usually covers bodily injury liability and damage liability coverage.
The following five companies are worth looking at if you need Georgia-minimum auto insurance.
5 lowest car insurance companies Georgia to provide state-minimum coverage
1 |
Auto-Owners Insurance |
$50.90/month |
2 |
Geico |
$60.04/month |
3 |
Georgia Farm Bureau |
$68.00/month |
4 |
Country |
$74.92/month |
5 |
Encompass |
$75.46/month |
Based upon our standard driver profile, seeking minimum coverage for Georgia
Best car insurance for people with good credit in Georgia
You may be eligible for lower rates on car insurance if you have excellent credit. This is because most insurers use a credit score for auto insurance. It considers factors such as your payment history and length of credit history to assess your insurance risk.
The table below shows the five lowest rates for basic coverage for Georgia drivers with good credit.
5 Best Car Insurance Companies in Georgia For those with good credit
1 |
Auto-Owners Insurance |
$31.53/month |
2 |
Georgia Farm Bureau |
$51.11/month |
3 |
Geico |
$55.75/month |
4 |
Encompass |
$63.46/month |
5 |
Central Mutual Insurance |
$70.32/month |
Based upon our standard driver profile, adjusted for rates for Georgia drivers with credit scores of 720 or higher
Lowest car insurance in Georgia for people with poor credit
You may pay more for car insurance if you have less-than-awesome credit. However, there are many ways to lower your monthly payments, such as enrolling in a program that monitors good driving habits.
The table below shows the companies with the lowest rates for basic coverage for Georgia drivers who have poor credit.
5 Best Car Insurance Companies in Georgia For People with Poor Credit
1 |
Geico |
$93.16/month |
2 |
Georgia Farm Bureau |
$99.50/month |
3 |
Encompass |
$121.21/month |
4 |
Mercury |
$121.60/month |
5 |
Country |
$122.07/month |
Based upon our standard driver profile, adjusted for rates for Georgia drivers with a credit score of less than 580
Cheapest car Insurance for Drivers with Multiple Claims in Georgia
When determining your monthly car insurance premium, insurance companies will also consider how many claims you have made. Your monthly payments may be affected if you have made many claims.
You may be interested in investigating the following insurance companies if your loss history report contains multiple claims.
5 best car insurance companies Georgia to cover multiple claims
1 |
Central Mutual Insurance |
$78.13/month |
2 |
Auto-Owners Insurance |
$97.75/month |
3 |
Georgia Farm Bureau |
$99.50/month |
4 |
Geico |
$116.90/month |
5 |
Country |
$151.36/month |
Based upon our standard driver profile with minimum coverage. Adjusted to show rates for a Georgia driver who has two claims instead of zero
Cheapest insurance for young drivers in Georgia
Are you under 21 and want to insure your vehicle? Drivers younger and less experienced than they are will often pay more for car insurance, until they have a track record of paying their bills on time and driving safely.
The table below lists the companies that offer basic coverage for Georgia drivers aged 18-21.
5 best car insurance companies Georgia to young drivers
1 |
Geico |
$88.56/month |
2 |
Georgia Farm Bureau |
$95.67/month |
3 |
Encompass |
$96.33/month |
4 |
Auto-Owners Insurance |
$100.29/month |
5 |
Allstate |
$108.02/month |
Based upon our standard driver profile, adjusted for Georgia drivers 18-21 years old instead of 36-45
Georgia auto insurance requirements
Georgia law requires that drivers have property damage and bodily injury liability insurance. The state requires that each driver have at least $25,000 in bodily injury liability insurance and $50,000 for bodily injuries liability. Property damage liability coverage is required to be $25,000 and $25,000 respectively. Your lender may require additional coverage if you finance or lease your vehicle.
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Drivers can use usage-based insurance (also known as telematics insurance) to track their driving habits and receive customized premiums based upon their driving habits. Georgia drivers have the option of UBI.
FAQs regarding the lowest car insurance rates for Georgia
How do I lower my Georgia car insurance?
There are many ways to reduce your monthly car insurance costs. You can request higher deductibles, see if you are eligible for discounts, have certain safety features, maintain a good driving record or bundle multiple cars or policies. Compare coverages and costs before you make a purchase to make sure you get the best deal.
What car brand offers the lowest insurance?
The price of your car insurance depends on many factors. The premium calculation includes factors such as the car’s cost, safety record, and likelihood of theft.
What’s the average monthly cost of Georgia car insurance?
Georgia’s average car insurance cost is just below $100 per month. This includes standard driver profiles with no accidents and gaps.
Methodology
These rates are the lowest estimates based on a specific driver profile, which is a driver aged 36-45 who lives in Georgia. The rates shown assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and is in good condition. Rates for insurance for good credit are based on scores above 720. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those aged 18-21. Rates for multiple claims are based on two claims.
Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and should not be used as a comparison. Rates can vary depending on many factors such as age, driving habits, and past history. These rates are updated by Quadrant Information Services every six months.
The average monthly premium for full-coverage car insurance includes coverages for bodily injury, property damages, collision, and personal injury protection. Georgia’s 25/50/25 insurance requirements are included in the average monthly premium for car insurance.