From beaches to farms to mountains to cities, Georgia has a lot to offer and many miles of road to explore. If you’re ready to hit the road but need insurance, you’ll want to compare providers to find out who offers the best rates.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Georgia.
Cheapest minimum coverage car insurance in Georgia
The minimum required insurance coverage varies depending on your state laws. In Georgia, all drivers must have at least the following:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Georgia:
Additional coverages you might want to consider when shopping for car insurance in Georgia
Coverage to Consider
High percentage of uninsured drivers
Uninsured/underinsured motorist protection offers coverage if an uninsured or underinsured motorist seriously injures you or a member of your household.
Georgia is prone to certain severe weather events, like flooding. Comprehensive insurance covers physical damage to your car as a result of weather, vandalism, or other non-collision-related event.
High crime rates
Purchase comprehensive insurance to make sure you are covered for break ins and theft.
Minimum liability insurance is all you need to legally drive in Georgia, but purchasing additional coverage is a good idea if you can afford it.
Best carriers for minimum coverage car insurance in Georgia
Georgia isn’t lenient with drivers who are caught driving without the minimum required car insurance. Even if it’s a first-time offense, you’re looking at a fine of at least $200, loss of driving privileges for 60 days, a misdemeanor conviction that remains on your record permanently, and even potential jail time.
Luckily, there are many insurers that offer affordable rates for minimum liability insurance so there’s no need to take the risk.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Georgia:
About 10 percent of drivers in Georgia are uninsured, and even with minimum coverage, losses can add up quickly. The best way to protect yourself (and your vehicle) is to opt for full coverage insurance.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
Best carriers for full coverage car insurance in Georgia
The rates for full coverage insurance depend on what protections you need and the provider that is quoting you. Most major carriers in Georgia offer full coverage, so shop around and see who has the best premium.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Georgia:
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
The state mandates a graduated licensing program to help promote safe habits among young drivers. There are also numerous driver’s education courses in Georgia that, once completed, can help reduce insurance premiums for young drivers. Even still, rates remain high.
If you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for young drivers in Georgia with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Young drivers experience less lenience under Georgia law and have lower thresholds for license suspension. Serious convictions for drivers under 21 will result in an automatic 6-month license suspension. These include reckless or aggressive driving, DUI, and any infraction that comes with 4 or more points.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Types of discounts that might be available to you in Georgia
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Georgia.
Here are some to keep an eye out for:
Customer loyalty (e.g., bundling, early renewal)
Demographic (e.g., good student, senior)
Driver affiliations (e.g., military, affinity)
Driving history (e.g., accident-free, safe driver)
Driver training (e.g., defensive driver course)
Equipment-related (e.g., anti-theft, new car)
Payment (e.g., auto-pay, paperless)
Georgia insurance companies have such a wide variety of discounts to offer that nearly everyone should qualify for something to reduce their insurance premiums.
Who is Eligible?
Good driver discounts
Good driver discounts are for California drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.
Defensive driving discounts
A defensive driving course can help reduce your premium by 10–15%. They teach drivers how to better assess road, traffic, and weather conditions to avoid accidents. The classes are mandatory for young drivers in California, but drivers of any age can take them to benefit from the discount.
Good student discounts
Good student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.
Professional and academic organization discounts
Many insurance companies have affiliations with professional and university alumni groups that can save members up to 10% on premiums.
Multi-car and bundling discounts
The more products you insure with a single company, the more you’re likely to save. Insuring multiple cars or bundling policies (like home and auto) together can net you savings up to 25%.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
How much does it cost to insure my car make in Georgia?
If you’re looking for the most affordable cars to insure, you’ll want to narrow in on models like the Accord, and Camry, and Altima—all popular cars in Georgia.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Georgia has some of the most accident-prone highways in the country, which means that insurance in the state is typically fairly expensive. There are also a fair number of drivers that lack even the minimum required insurance, and this risk is passed on to insured drivers through increased premiums.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.