Key Takeaways
- Georgia requires drivers to have a $25,000/$50,000/$25,000 policy at minimum.
- Uninsured/underinsured motorists coverage is not required in Georgia.
Looking for cheap car insurance in Georgia? Rates have sharply jumped in recent years and finding a good deal is potentially harder to come by than it used to be.
The average full coverage insurance cost in Georgia is now $418 per month. That’s 20.5% higher than the national average of $340.
When you’re shopping for car insurance, you’ll want to look at your state’s minimum liability coverage instead of just opting for full coverage without shopping around. For minimum liability coverage, drivers in Georgia pay an average of $241 per month.
Let’s take a closer look at how this works.
Minimum liability vs. full coverage coverage in Georgia
Georgia law requires drivers have a minimum liability coverage of:
- $25,000 per person for bodily injury.
- $50,000 per accident for bodily injury.
- $25,000 for property damage.
Minimum coverage in Georgia helps cover repair costs and bodily injuries, but with soaring medical and repair costs, policy limits can quickly get maxed out.
Uninsured/underinsured motorists coverage (UIM/UM) is not required to legally drive in the Peach State, but you may want to consider adding this to your policy for added protection. If you fall victim to a hit and run or are involved in a crash caused by an uninsured driver, this coverage will help pay for some of your related expenses.
State mandated minimum liability coverage does not pay for any damage done to your car or property. To better protect your property and financial interests, you’ll need collision coverage and comprehensive coverage.
While not mandated by the state of Georgia, your lender most likely will require you to have full coverage car insurance if you’re financing or leasing your car.
Here are the cheapest car insurance rates for different demographics and driving records in Georgia, which is generated by real Jerry customers who received a quote with us from a wide range of insurance providers.
Cheapest minimum coverage insurance in Georgia
Check out average quotes for Georgia drivers based on the rates provided from various insurers that Jerry serves, in order from cheapest to more expensive:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $71 | $847 |
| Embark General | $90 | $1,080 |
| Mendota | $100 | $1,204 |
| Nationwide | $103 | $1,236 |
| Plymouth Rock | $106 | $1,271 |
| Commonwealth Insurance | $117 | $1,405 |
| Travelers | $120 | $1,436 |
| Kemper | $134 | $1,608 |
| Clearcover | $135 | $1,623 |
| Allstate | $138 | $1,656 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Georgia
Here are the average quotes for full coverage in Georgia, ordered from cheapest to more expensive.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Mapfre | $97 | $1,162 |
| Bluefire | $171 | $2,049 |
| Encompass | $188 | $2,261 |
| Nationwide | $204 | $2,453 |
| Kemper | $209 | $2,504 |
| Travelers | $230 | $2,754 |
| Ready Insurance | $241 | $2,886 |
| Aspire Advantage | $249 | $2,983 |
| Allstate | $254 | $3,045 |
| Mercury | $263 | $3,161 |
Cheapest car insurance for young drivers in Georgia
Young drivers in Georgia tend to pay the highest rates in the state, as you can see in the table below:
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $588 | $7,053 |
| 21-24 | $404 | $4,844 |
Cheapest liability-only policy in Georgia for a 20 year old
Based on our data, here are the cheapest rates for a 20-year-old in Georgia for liability-only coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | 20 | $230 | $2,764 |
| Mercury | 20 | $246 | $2,950 |
| Electric | 20 | $251 | $3,009 |
| Trexis | 20 | $268 | $3,215 |
| First Acceptance | 20 | $393 | $4,718 |
Cheapest full coverage policy in Georgia for a 20 year old
Here are the cheapest rates for a 20-year-old in Georgia for full coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | 20 | $398 | $4,771 |
| Mercury | 20 | $451 | $5,414 |
| Electric | 20 | $521 | $6,246 |
| Safe Auto | 20 | $550 | $6,596 |
| Progressive | 20 | $612 | $7,346 |
| National General | 20 | $657 | $7,884 |
| Trexis | 20 | $658 | $7,895 |
| Safeco | 20 | $698 | $8,375 |
| Assurance America | 20 | $762 | $9,142 |
| The General | 20 | $897 | $10,766 |
Average car insurance for mature drivers in Georgia (25-54 years old)
Georgia drivers aged between 25-54 start seeing declines in their average quote as they go from their mid-20s to their mid-50s.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $296 | $3,556 |
| 35-44 | $249 | $2,982 |
| 45-54 | $229 | $2,749 |
Cheapest liability-only policy in Georgia for a 36 year old
The average Jerry customer is 36 years old, and here’s what a 36-year-old Georgia driver would pay:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Travelers | 36 | $89 | $1,070 |
| Kemper | 36 | $120 | $1,444 |
| Nationwide | 36 | $121 | $1,453 |
| State Auto | 36 | $130 | $1,555 |
| Mercury | 36 | $135 | $1,625 |
Cheapest full coverage policy in Georgia for a 36 year old
Check out the cheapest rates for a 36-year-old Georgia for full coverage, starting from cheapest insurer.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Bluefire | 36 | $171 | $2,049 |
| Nationwide | 36 | $211 | $2,527 |
| Travelers | 36 | $218 | $2,619 |
| Kemper | 36 | $226 | $2,708 |
| Allstate | 36 | $235 | $2,821 |
| Metlife | 36 | $242 | $2,904 |
| Progressive | 36 | $248 | $2,977 |
| Mercury | 36 | $251 | $3,017 |
| State Auto | 36 | $254 | $3,048 |
| Embark General | 36 | $268 | $3,220 |
Average car insurance for older drivers (55+ years old)
Prices for auto insurance hits its lowest when a driver is in the 55-64 age group, and then prices start climbing once a Georgia driver enters the 65+ age group.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $217 | $2,608 |
| 65+ | $234 | $2,803 |
Cheapest liability-only policy in Georgia for a 65 year old
Here are the average premiums for a 65-year-old driver who only needs a liability-only policy:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Embark General | 65 | $52 | $629 |
| Metlife | 65 | $61 | $737 |
| State Auto | 65 | $67 | $807 |
| Nationwide | 65 | $70 | $841 |
| Mercury | 65 | $95 | $1,136 |
Cheapest full coverage policy in Georgia for a 65 year old
Check out the average quotes for a 65-year-old driver in Georgia who needs full coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Kemper | 65 | $145 | $1,738 |
| Nationwide | 65 | $160 | $1,915 |
| Travelers | 65 | $202 | $2,427 |
| Mercury | 65 | $207 | $2,486 |
| Progressive | 65 | $210 | $2,515 |
| Allstate | 65 | $249 | $2,985 |
| Electric | 65 | $253 | $3,034 |
| Safeco | 65 | $265 | $3,183 |
| Assurance America | 65 | $284 | $3,409 |
| National General | 65 | $285 | $3,421 |
Average car insurance for drivers with a clean record in Georgia
A clean record in Georgia will generally get you a better insurance premium than one with claims or violations. Check out the average quotes for a driver with a clean record:
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|
| $245 | $2,942 |
Furthermore, here are the average monthly quotes for drivers with a clean record, starting with the cheapest insurer.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Mapfre | $97 | $1,162 |
| Ready Insurance | $97 | $1,168 |
| Encompass | $114 | $1,372 |
| Anchor General | $130 | $1,560 |
| Bluefire | $137 | $1,643 |
| Kemper | $170 | $2,044 |
| Nationwide | $179 | $2,153 |
| Progressive | $183 | $2,197 |
| Mercury | $184 | $2,209 |
| Commonwealth Insurance | $197 | $2,364 |
Average car insurance for drivers with low credit score in Georgia
Drivers in Georgia with a credit score of over 750 tend to pay the lowest average quote:
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 550-659 | $314 | $3,772 |
| 660-750 | $311 | $3,738 |
| <550 | $309 | $3,713 |
| 750+ | $247 | $2,964 |
If you have a low credit score of less than 550, check out these companies for potentially better deals:
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Nationwide | <550 | $177 | $2,130 |
| Mercury | <550 | $215 | $2,584 |
| AAA | <550 | $226 | $2,708 |
| Aspire Advantage | <550 | $230 | $2,758 |
| National General | <550 | $231 | $2,775 |
Cheapest car insurance for drivers with at-fault accidents in Georgia
Georgia drivers with an accident on their record tend to pay quite a bit more than a driver with no accident history, as you can see below:
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| At Fault With Injury | $380 | $4,555 |
| At Fault With No Injury | $327 | $3,928 |
| Not At Fault | $284 | $3,403 |
| $247 | $2,959 |
Cheapest car insurance for drivers with at-fault accidents with no injury in Georgia
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Bluefire | At Fault With No Injury | $54 | $652 |
| Aspire Advantage | At Fault With No Injury | $175 | $2,097 |
| Kemper | At Fault With No Injury | $209 | $2,513 |
| Nationwide | At Fault With No Injury | $215 | $2,581 |
| Travelers | At Fault With No Injury | $247 | $2,970 |
Cheapest car insurance for drivers with at-fault accidents with injury in Georgia
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Plymouth Rock | At Fault With Injury | $126 | $1,510 |
| Nationwide | At Fault With Injury | $204 | $2,453 |
| Embark General | At Fault With Injury | $210 | $2,515 |
| Kemper | At Fault With Injury | $213 | $2,559 |
| State Auto | At Fault With Injury | $244 | $2,926 |
Cheapest car insurance for drivers with a speeding ticket in Georgia
Here are the most affordable insurance companies for drivers with a speeding ticket in Georgia:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Ready Insurance | $86 | $1,032 |
| Commonwealth Insurance | $124 | $1,486 |
| Kemper | $201 | $2,418 |
| Nationwide | $211 | $2,528 |
| Mercury | $238 | $2,853 |
| Allstate | $244 | $2,929 |
| Progressive | $253 | $3,035 |
| Embark General | $257 | $3,087 |
| First Acceptance | $260 | $3,115 |
| Travelers | $260 | $3,125 |
Cheapest car insurance for drivers with a DUI in Georgia
Georgia drivers with a DUI can expect a wide variation in quotes based on insurers. Here are the quotes that Jerry has provided, starting from the cheapest insurer:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $50 | $595 |
| Nationwide | $153 | $1,836 |
| Kemper | $159 | $1,912 |
| Allstate | $181 | $2,171 |
| Travelers | $186 | $2,228 |
| Embark General | $203 | $2,442 |
| Safeco | $207 | $2,486 |
| First Acceptance | $210 | $2,522 |
| Mercury | $210 | $2,523 |
| Progressive | $227 | $2,722 |
Average Car Insurance for Drivers with Other Violations in Georgia
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $340 | $4,079 |
| Cell Phone | $316 | $3,797 |
| Defective Equipment | $249 | $2,993 |
| Driving on Sus. License | $307 | $3,683 |
| Eluding Police | $231 | $2,773 |
| Failure to Obey Traffic Sign | $311 | $3,737 |
| Illegal Turn | $341 | $4,097 |
| Improper Passing | $318 | $3,818 |
| Leaving scene of an Accident/Hit and Run | $379 | $4,552 |
| Open Container | $224 | $2,689 |
| Other | $324 | $3,892 |
| Passing School Bus | $208 | $2,499 |
| Racing/Drag Racing | $178 | $2,140 |
| Reckless Driving | $440 | $5,281 |
| Seat Belt | $266 | $3,187 |
| Suspension | $338 | $4,054 |
| Wrong Way/Wrong Lane | $373 | $4,474 |
What are collision coverage and comprehensive coverage?
In short, these types of coverage help pay for the harm done to your vehicle and property. A deductible may apply for both.
- Collision coverage helps pay for the damage caused by another vehicle in a collision by covering the costs to repair your car.
- Comprehensive coverage helps pay for damages from theft, weather, vandalism and other damage not cause by another vehicle.
Other coverage add-ons to a policy include car rental coverage for after an accident, windshield glass coverage and 24-hour roadside assistance.
Do you need more than minimum coverage in Georgia?
Full coverage isn’t required by law in Georgia. But it still may be wise to have more than just the minimum liability coverage to help protect you from costly repairs, medical bills and legal defense in the event another driver files a claim against you.
Factors that determine your car insurance premium
Rates vary from driver to driver in Georgia. The cost of your premium will depend on a number of factors like:
- Driving record and history.
- Number of claims you’ve put in.
- Age and gender.
- Marital status.
- Where you live.
- The vehicle you drive.
- Vehicle usage.
- Deductibles.
- Credit score.
Tips for lowering your car insurance in Georgia
The best way to save money on your plan is to shop around for a new policy. Here are other ways that may help lower your costs:
- Pay your premiums in full.
- Take a safety driving course.
- Install a tracking device in your car or smartphone for good driver discounts.
- Work towards raising your credit score.
- Look for policies that have higher deductibles to save on your premiums.
If this sounds like a lot of work, keep in mind that you can save time — and potentially money — by using Jerry, America’s first AllCar™ app.
Jerry compares car insurance policies from top insurance companies within minutes, taking the hard lift of doing the research on your own. As a licensed broker, Jerry has all your insurance needs handled from start to finish, in one place. In addition, we will automatically alert you when better rates are available even before your policy lapses.
FAQ
-
What is the cheapest car insurance in Georgia?
-
What is the cheapest full coverage car insurance in Georgia
Methodology
Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.
