Cheapest Insurance in Georgia 2021

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  • Find cheapest car insurance Georgia
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
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.
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Find the cheapest car insurance in Georgia with Jerry

Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Georgia. And if you want to learn more about car insurance rates in Georgia, keep reading.
There are many factors that go into car insurance premiums, including your demographics, driving record, type of car, and where you live. If you’re looking to score a deal on your premium, an insurance comparison and broker app like Jerry is where it’s at.
Here’s how much drivers were paying for car insurance in Georgia before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Georgia with Jerry

Insurance Company
Before Jerry
After Jerry
Assurance America
$2,887$1,672
Gainsco
$3,401$1,740
Clearcover
$3,165$1,915
Allstate$3,221$2,051
Progressive$3,103$2,114
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:
Before Jerry
After Jerry
$3,170$1,880
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Additional coverages you might want to consider when shopping for car insurance in Georgia

Risk FactorCoverage to Consider
High percentage of uninsured driversUninsured/underinsured motorist protection offers coverage if an uninsured or underinsured motorist seriously injures you or a member of your household.
FloodingGeorgia 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 ratesPurchase 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:
Insurance Company
Before Jerry
After Jerry
Travelers$1,380$1,308
Allstate$2,660$1,582
Nationwide$1,991$1,603
National General
$3,740$1,643
Progressive$2,885$1,753
Safeco$5,376$2,728
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Cheapest full coverage car insurance 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:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$4,324$3,225

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:
Insurance Company
Before Jerry
After Jerry
Progressive$3,336$2,485
Nationwide$5,100$2,535
Allstate$3,762$2,716
Travelers$3,788$3,015
Kemper
$3,984$3,108
Safeco$5,752$3,763
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Cost to insure your car in Georgia by age

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:
Age Group
Before Jerry
After Jerry
18-20$3,041$2,156
21-24$2,994$2,009
25-34$2,712$1,802
35-44$2,674$1,714
45-54$2,508$1,638
55-64$2,353$1,580
65+$2,756$2,014

Cost of insurance for drivers in Georgia with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Points remain on your record for two years in Georgia, during which time insurers will likely see you as a higher-risk driver.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,281$2,252
Reckless Driving$1,092$750
Open Container$2,108$1,356
Passing School Bus$1,974$1,466
Eluding Police$3,148$2,126
DUI$3,539$2,320
Seat Belt$4,191$2,347
Speeding under 15$3,973$2,650
Failure to Obey Traffic Sign$3,948$2,667
Driving on Sus. License$4,247$2,741

Best carriers for drivers with infractions in Georgia

Insurance Company
Before Jerry
After Jerry
Allstate$3,351$2,067
Progressive$3,336$2,298
Nationwide$3,460$2,344
Kemper
$3,891$2,567
Safeco$4,141$2,937
Travelers$3,993$2,992
National General
$5,068$3,579
State Auto
$6,540$6,126
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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.
Driving Violation
Before Jerry
After Jerry
Clean Record$4,321$3,061
Open Container$3,240$1,904
DUI$4,317$2,501
Improper Passing$3,800$2,762
Failure to Obey Traffic Sign$4,212$2,901
Speeding under 15$4,429$2,955
Speeding over 15$4,404$3,095
Wrong Way/Wrong Lane$5,226$3,218
Illegal Turn$4,487$3,455
Careless Driving$5,207$3,515

Best carriers for young drivers with infractions in Georgia

If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Georgia, check out these top carriers.
Insurance Company
Before Jerry
After Jerry
Allstate$3,678$2,258
Nationwide$3,060$2,772
Progressive$4,084$2,844
Safeco$3,655$2,977
Travelers$5,130$4,102
National General
$6,540$4,328
State Auto
$6,540$6,126
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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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.
Discount TypeWho is Eligible?
Good driver discountsGood 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 discountsA 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 discountsGood 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 discountsMany insurance companies have affiliations with professional and university alumni groups that can save members up to 10% on premiums.
Multi-car and bundling discountsThe 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:
Make / model
Before Jerry
After Jerry
Chevrolet Impala LS$2,604$1,690
Chrysler 200 Limited$2,944$1,720
Dodge Ram 1500 ST$2,206$1,408
Ford F150 Supercrew$3,096$1,986
Honda Accord Sport$2,717$1,893
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Cheapest car insurance in Georgia by city

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.
City
Before Jerry
After Jerry
Alpharetta$2,886$2,012
Canton$2,554$1,742
Columbus$2,662$1,839
Dahlonega$1,895$1,389
Dalton$2,150$1,468
Fitzgerald$3,167$1,854
Macon$3,105$2,016
Roswell$3,382$1,966
Valdosta$3,103$1,945
Warner Robins$3,032$1,902

Additional ways to lower your car insurance

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.

Methodology

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.

Browse questions from our car experts

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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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