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Cheapest Car Insurance in Georgia (Sep 2024)
Cheapest Car Insurance in Georgia (Sep 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Georgia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Georgia
- Cheapest Georgia car insurance for good drivers
- Cheapest Car Insurance Companies in Georgia
- Georgia Car Insurance Coverage Requirements
- Georgia Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Georgia?
- How to lower the cost of car insurance in Georgia
- Why is car insurance so expensive in Georgia?
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Georgia
There’s no finding the one and only "cheapest"
car insurance
company that suits everyone. That's why it's essential to compare quotes from various car insurance providers to ensure you find the best coverage at the most affordable price. Jerry has become the go-to destination for thousands of savvy car insurance shoppers in Georgia. We’ve made it simple to
compare and buy car insurance
—without endless paperwork, phone calls, and confusion! Check out these real quotes Jerry found for Georgia drivers below:
| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Allstate | $259 | Tommy, 63 | Chevrolet Camaro LT | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $75 | Emilie, 39 | Mercedes-Benz E 550 | • State Minimum Liability |
Gainsco | $186 | Seth, 42 | Ford F150 | • State Minimum Liability • Comp / Collision |
| Bristol West | $242 | Billy, 52 | Toyota Tacoma Double Cab | • 50,000/100,000 Liability • Comp / Collision |
| Mercury | $122 | Sylvia, 52 | Ford Flex SE | • 100,000/300,000 Liability |
Last Updated Sep 14, 2024Cheapest Georgia car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Georgia can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Mikayla, 25 Buford, GA | 86 | 33% | No |
|
Matthew, 34 Hawkinsville, GA | 92 | 34% | No |
|
Sherry, 44 Hiawassee, GA | 83 | 28% | No |
|
Lisa, 54 Winston, GA | 96 | 38% | No |
|
Benjamin, 64 Sharpsburg, GA | 88 | 29% | No |
|
Cheapest Car Insurance Companies in Georgia
Curious about which insurance company provides the most competitive car insurance rates in Georgia? Jerry has conducted the largest insurance shopping survey in the nation to find out
GEICO and State Farm are often named as the cheapest and best car insurance companies in Georgia—but while they hold the biggest market shares, they’re not necessarily the best insurers for every driver.
Our survey results showed a different picture. Drivers in Georgia rated smaller insurance companies like Clearcover, Gainsco, Safeco, and Mercury much higher than the big-name carriers. State Farm and GEICO scored 3.4 and 3.3 out of 5.0 for policy cost, while Mercury Auto scored a perfect 5.0 for both policy costs and customer service.
Check out how real Jerry users rated these insurance companies below:
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| DirectAuto | September 6, 2024 | 4 | "Payment didn't seem right at first but when I had a a minor issue with my vehicle.... Baby the payment said Boom 💥 N...(read more)" -Elmer |
| AAA | September 5, 2024 | 5 | "They are amazingly priced and easy to get in contact with" -Cory |
| Amica | September 1, 2024 | 5 | "Reasonable quotes for full coverage " -Roxie |
| Sun Coast General | September 1, 2024 | 5 | "I called over twenty insurance agencies, and I got the lowest quote on car insurance from Alfa after moving to Georgi...(read more)" -Rosetta |
| USAA | August 30, 2024 | 5 | "Acceptance through Hugo is great pay as u go easy and reliable " -Mattie |
Last Updated Sep 17, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
The quickest way to compare
car insurance quotes
online is to find a car insurance comparison app or website. Jerry, a top insurance agency
, has a free app that lets you compare quotes and offers personalized service through a team of 100+ licensed insurance agents.Minimum liability and full coverage
To comply with
state regulations
, all drivers in Georgia must carry minimum liability coverage
. Depending on your circumstances, you might choose to add full coverage to your policy to protect against damages to your vehicle.Cheapest minimum liability coverage car insurance quotes in Georgia
In order to drive legally in Georgia, drivers must fulfill the state's minimum liability coverage requirements.
In Georgia, these requirements are $25,000 per person and $50,000 per accident for
bodily injury liability coverage
, along with $25,000 for property damage liability coverage
per accident. This coverage combination is commonly known as 25/50/25 coverage. 
Andrew (28 years old)
$249
per month
Theodore (39 years old)
$75
per month
Carlos (41 years old)
$115
per month
Do you need more than minimum coverage in Georgia?
Most drivers in Georgia should consider coverage that exceeds the state's minimum requirement of 25/50/25.
In the event of an at-fault accident, the expenses for medical bills and vehicle repairs could surpass the 25/50/25 coverage limit, especially if another person is seriously injured. Moreover, the cost of replacing a totaled vehicle can exceed $40,000, which makes for high out of pocket costs.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage car insurance quotes in Georgia
Although not required by law, carrying
full coverage car insurance
is the only way to cover the expenses involved in repairing or replacing your vehicle. Full auto insurance coverage includes
comprehensive
and collision coverage
. Collision insurance covers the costs of repairing or replacing your car following an accident, while comprehensive insurance covers theft or damages caused by non-collision incidents. If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid the car off.
Check out real insurance quotes for different coverage levels here:
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $192 | Sara, 41 | Toyota Camry TRD |
• State Minimum Liability • Comp / Collision | Allstate | $120 | Luke, 26 | Toyota RAV4 XLE |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $116 | Pauline, 68 | Toyota Camry |
• 100,000/300,000 Liability • Comp / Collision | AAA | $197 | Ora, 32 | Jeep Cherokee Latitude |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $240 | Terry, 38 | Nissan Sentra S |
Last Updated Sep 13, 2024Average rates for state minimum liability coverage and full coverage
Based on our experience working with thousands of insurance policyholders in Georgia, we found that the average monthly cost of minimum liability coverage is $174, while the average annual cost of coverage amounts to $2,082. On the other hand, the average monthly cost for full coverage insurance in Georgia stands at $242, with an annual cost averaging $2,908.
Although average insurance rates can help you estimate your personal insurance costs, it's important to recognize that each driver's insurance premium is determined by a ton of factors, including the type of car you drive, your driving record, claims history, and demographics.
Georgia car insurance: Additional coverage options
In addition to standard car insurance coverage, Georgia drivers may want to consider additional types of coverage, such as:
For those who have a car loan,
gap insurance
may also be a wise choice. This type of insurance covers the difference between the car's actual cash value and the amount owed on the loan if the car is stolen or totaled.Non-owner car insurance
may be a good option for those who don't own a car and regularly borrow or rent one. This type of coverage provides liability protection for bodily injury and property damage caused by the driver, but it doesn't cover damages to the vehicle or the driver's own injuries.How Do Different Factors Impact Your Car Insurance Costs in Georgia?
How Do Different Factors Impact Your Car Insurance Costs in Georgia?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Education, occupation, employment status,
Learn more abut the car insurance rating factors in Georgia:
Georgia car insurance rates following a driving violation
In Georgia, a driver's history of violations can have a significant impact on their car insurance rates. Insurance providers typically consider drivers with a record of violations to be high-risk, resulting in higher premiums.
How to find cheap car insurance in Georgia after a speeding ticket
In Georgia, there are different degrees of speeding with corresponding penalties, including:
- 1-14 MPH over limit: No points on license
- 15-18 MPH over limit: 2 points on license
- 19-23 MPH over limit: 3 points on license
- 24-33 MPH over limit: 4 points on license, mandatory court appearance, and possible suspension
- 34 MPH or more over limit: 6 points on license, mandatory court appearance, and possible suspension¹
Receiving a speeding ticket can impact your car insurance rates, and the severity of the offense will determine the extent of the premium increase. However, Georgia drivers with speeding tickets can still save on car insurance by exploring their options with Jerry.
See what real Jerry users with various speeding violations on their record paid for insurance:
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $391 | Glen, 21 | • State Minimum Liability |
Speeding 6-10 | Travelers | $274 | Mario, 32 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | Allstate | $243 | Carolyn, 23 Gainesville, GA | • 50,000/100,000 Liability |
Speeding 21+ | State Auto | $589 | Luke, 23 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 17, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Love Geico! Will stay with them for life!
Kristopher
Great service
Timothy
I had Mercury on my last car and I absolutely loved it!
Theresa
They are great!
Robert
How to find cheap Georgia auto insurance after a DUI
In Georgia,
a DUI conviction
can also have a significant impact on your car insurance rates. Auto insurance companies generally consider DUI offenders to be high-risk drivers, resulting in higher premiums.If you have a DUI on your driver profile, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can assist you in finding the best rates for auto insurance even after a DUI conviction.
Lillie (32 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Carrollton, GA$281
per month
Jordan (41 years old)
$125
per month
Susan (30 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$95
per month
Richard (32 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$354
per month
Georgia SR-22 insurance
In Georgia,
an SR-22 certificate
may be required if you have committed a serious driving violation or have been caught driving without proper insurance. An SR-22 is a legal document that proves that you have the minimum liability insurance coverage required by Georgia state law.Other situations that may require an SR-22 in Georgia include:
- Being at fault in a car accident and not having insurance or insufficient insurance to cover the damages
- Driving with a suspended or revoked license
- Committing multiple traffic violations and accumulating too many points on your driving record
Georgia also uses something called an SR-22A certificate for habitual offenders—that is, drivers with a high number of serious violations on their Georgia driving record over a short period of time.
If you need an SR-22 in Georgia, you must contact an insurance company authorized to provide SR-22 certificates. They will file the SR-22 with the Georgia Department of Driver Services (DDS) on your behalf. However, it's important to note that an SR-22 may result in higher insurance premiums due to the high-risk nature of the violations that typically require it.
Cheapest Georgia auto insurance after an at-fault accident
In Georgia, your accident history can have a significant impact on your car insurance rates. If you have been involved in an at-fault accident, your car insurance rates could significantly increase. Insurance companies in Georgia look at your past accidents where you were at fault to determine the level of risk you pose to your insurer.
To find cheap auto insurance after an at-fault accident in Georgia, it's important to shop around and compare rates from multiple insurance companies. This can help you find the most affordable option for your needs.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $296 | Amanda, 35 | • State Minimum Liability |
At Fault With No Injury | AAA | $186 | Lora, 30 | • State Minimum Liability • Comp / Collision |
Not At Fault | Travelers | $203 | Nell, 31 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $82 | Jesse, 58 | • 50,000/100,000 Liability |
At Fault With Injury | Clearcover | $202 | Lillian, 26 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 11, 2024FAQ
Is Georgia a no-fault state?
No, Georgia is not a no-fault state. Under
Georgia’s car accident laws
, liability is assigned to both drivers in any car accident based on their behavior leading to the accident. This means that drivers in Georgia are required to carry liability insurance that meets the state's minimum coverage requirements—but not personal injury protection (PIP). Georgia law also allows drivers to purchase additional insurance coverage options, such as collision and comprehensive coverage, to protect themselves against damages to their own vehicle.
Cheapest auto insurance after other violations
If you've been cited for a driving violation such as
reckless driving
, driving without a license, or careless driving, your car insurance premiums in Georgia may increase significantly. Insurance companies often consider drivers with these types of violations as high-risk and charge higher rates as a result.Here’s a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $182 | Hallie, 28 | Ford Flex Limited | • State Minimum Liability • Comp / Collision |
Cell Phone | Safeco | $132 | Floyd, 44 | Ford Fusion S | • State Minimum Liability • Comp / Collision |
Defective Equipment | Travelers | $144 | Todd, 29 | Ford Fusion SE | • 50,000/100,000 Liability • Comp / Collision |
Driving on Sus. License | Allstate | $148 | Harold, 48 | Toyota Camry L | • 50,000/100,000 Liability • Comp / Collision |
DUI | National General | $214 | Charlie, 26 | Chevrolet S Truck S10 | • State Minimum Liability |
Eluding Police | Mercury | $115 | Augusta, 33 | Lexus RX 350 | • State Minimum Liability |
Failure to Yield | Allstate | $269 | Howard, 25 | BMW M4 | • 50,000/100,000 Liability • Comp / Collision |
Illegal Turn | Travelers | $252 | Olga, 46 Nicholson, GA | Chevrolet Malibu LS | • 50,000/100,000 Liability • Comp / Collision |
Improper Passing | Clearcover | $115 | Leroy, 62 | Ford F150 Supercrew | • State Minimum Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Mercury | $148 | Chester, 28 | BMW X5 3.0i | • State Minimum Liability |
Open Container | National General | $129 | Ronnie, 27 | Toyota Venza | • State Minimum Liability |
Passing School Bus | Progressive | $105 | Elnora, 27 | Nissan Sentra S | • State Minimum Liability |
Racing/Drag Racing | Bristol West | $234 | Margaret, 25 | Chevrolet Cruze Limited LT | • State Minimum Liability • Comp / Collision |
Reckless Driving | Gainsco | $151 | Hannah, 40 | Ford Ranger Super Cab | • State Minimum Liability |
Seat Belt | Infinity | $117 | Travis, 39 | Honda CR-V LX | • State Minimum Liability |
Speeding 16-20 | Safeco | $333 | Allie, 35 Silver Creek, GA | Hyundai Sonata SEL Plus | • 50,000/100,000 Liability • Comp / Collision |
Speeding Violation-Minor | State Auto | $200 | Jane, 50 | Lexus ES 350 | • 50,000/100,000 Liability • Comp / Collision |
Suspension | Allstate | $202 | Sara, 25 | Toyota Corolla | • 50,000/100,000 Liability |
Wrong Way/Wrong Lane | First Acceptance | $284 | Jeffrey, 25 | Dodge Challenger SXT | • State Minimum Liability |
Failure to show documents | Plymouth Rock | $102 | Celia, 56 Ocilla, GA | Pontiac Grand Prix | • State Minimum Liability |
Last Updated Sep 17, 2024Finding affordable auto insurance in Georgia based on insurance history
Your insurance history can have a significant impact on your auto insurance rates. If you have had
a lapse in coverage
or have been uninsured, you may be considered a high-risk driver, which can result in higher premiums.Jerry offers payment reminders to eligible customers in Georgia to help them make payments on time and avoid a lapse in coverage. We’ve also helped many Georgia drivers who are currently uninsured or have had a lapse in coverage find affordable car insurance options.
Comparing rates from multiple insurance companies can also help you find affordable coverage based on your insurance history. Jerry can assist you in finding the best rates for auto insurance in Georgia.
Lola (30 years old)
$206
per month
Sue (30 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$147
per month
Elsie (62 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$259
per month
Leroy (35 years old)
Not Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
GMC Sierra K1500 SLT$143
per month
Clearcover
Leo (29 years old)
Currently Insured
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
$161
per month
Donald (40 years old)
$261
per month
Cheapest auto insurance for Georgia drivers with poor credit
Georgia drivers with poor credit scores may also face higher car insurance costs compared to those with good credit. Even though your credit rating may not accurately reflect your driving skills, insurance companies often associate lower credit scores with higher claim filings.
Our data shows that the average car insurance rate for the highest credit bracket (over 750) is almost 20% higher than the average cost of car insurance for people with lower credit scores (under 550).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $100 | Marcus, 43 | KIA Sorento LX | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Nationwide | $122 | Rachel, 55 | RAM 1500 SLT | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | Nationwide | $165 | Martha, 62 | KIA Sorento LX | • State Minimum Liability • Comp / Collision |
< 550 | Nationwide | $159 | Minnie, 55 | Dodge Grand Caravan GT | • State Minimum Liability • Comp / Collision |
Last Updated Sep 17, 2024Cheapest car insurance in Georgia by age
Young drivers with limited driving experience may face higher rates than older, more experienced drivers. However, drivers over the age of 25 typicallymay see a drop in their rates as they gain more experience on the road.
It's important to note that drivers over the age of 70 in Georgia may see an increase in their rates due to potential health issues and slower reflexes. Insurance companies may view older drivers as a higher risk, which can lead to higher premiums.
Cheapest Georgia car insurance for young drivers
In Georgia, teen drivers between 16 and 21 are considered high-risk and typically pay higher insurance premiums. You can lower your rates as a young driver by qualifying for good student discounts.
Full coverage insurance is recommended for young drivers who drive newer vehicles to provide better financial protection in case of an accident.
Millie (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Louisville, GA$277
per month
Alta (22 years old)
$539
per month
Antonio (23 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Perkins, GA$315
per month
Cheapest Georgia car insurance for senior drivers
Car insurance rates for senior drivers
in Georgia are typically higher than those for younger drivers. This is due to the higher likelihood of older drivers being involved in accidents and sustaining severe injuries, resulting in increased medical expenses for insurers.To help offset the higher costs, some car insurance companies offer discounts for senior drivers, including discounts for low annual mileage or safe driving habits. Additionally, senior drivers can lower their auto insurance premiums and may qualify for good driver discounts by taking a driver improvement course.
Sophia (68 years old)
$142
per month
Lester (68 years old)
$116
per month
Edwin (68 years old)
$110
per month
Clearcover
Edwin (77 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$190
per month
Over 3,500,000 customers and counting
We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
Excellent and easy to use.
Angie
Gives you the lowest car insurance out there!
Kim
Great rates and wonderful coverage!
Leasha
Great experience all around. With the app, and the company itself!
Gary
Cheapest Georgia car insurance for popular cars
The type of car you drive can significantly affect your car insurance rates. Insurance companies consider various factors when determining insurance premiums, such as the cost of repairs or replacements, the likelihood of theft, and the vehicle's safety record.
Some popular car models in Georgia include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Camry SE Night Shade | Progressive | $221 | Cameron, 24 | • State Minimum Liability • Comp / Collision |
| Honda Accord LX | Travelers | $142 | Kathryn, 27 | • 50,000/100,000 Liability • Comp / Collision |
| Nissan Altima 2.5 | Nationwide | $160 | Elsie, 33 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 16, 2024Car insurance cost for new vs. old car in Georgia
In Georgia, insuring a newer car can result in higher insurance costs compared to insuring an older car. Our research shows that the average cost of full coverage insurance for a car that is over 10 years old is $1,942 per year.
Winnie (62 years old)
$212
per month
Bertha (40 years old)
2004 GMC Yukon XL C1500
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$269
per month
Alvin (27 years old)
2005 Toyota Corolla CE
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Prospect Heights, GA$128
per month
Rodney (53 years old)
$138
per month
Georgia cheapest car insurance by location
Your car's location is a critical factor that insurance companies take into account when determining your premium. Factors such as population density, accident rates, crime statistics, and weather can all impact your insurance costs. In Georgia, insurance premiums can vary within the same city for different zip codes.
Here are some examples of how Jerry assisted drivers in various cities in Georgia with their insurance:
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Powder Springs, GA | Andrew, 28 | Progressive | $249 | Honda Odyssey Touring | • State Minimum Liability |
| Decatur, GA | Warren, 63 | Allstate | $259 | Chevrolet Camaro LT | • 50,000/100,000 Liability • Comp / Collision |
| Atlanta, GA | Clayton, 38 | Travelers | $240 | Nissan Sentra S | • 100,000/300,000 Liability • Comp / Collision |
| Peachtree Corners, GA | Theodore, 39 | Safeco | $75 | Mercedes-Benz E 550 | • State Minimum Liability |
| Leesburg, GA | Seth, 42 | Gainsco | $186 | Ford F150 | • State Minimum Liability • Comp / Collision |
| Albany, GA | Winnie, 34 | Bristol West | $149 | Toyota Camry L | • State Minimum Liability • Comp / Collision |
| Americus, GA | Carlos, 41 | National General | $115 | Hyundai Sonata ECO | • State Minimum Liability |
| Powder Springs, GA | Gary, 29 | First Acceptance | $162 | Honda Odyssey Touring | • State Minimum Liability |
| Mableton, GA | Wayne, 39 | The General | $259 | Subaru Legacy | • State Minimum Liability • Comp / Collision |
Last Updated Sep 17, 2024How to lower the cost of car insurance in Georgia
If you're a Georgia driver looking to reduce your car insurance costs, there are several strategies that can help you save money. According to Jerry's team of licensed insurance agents, you can consider the following:
- Compare quotes from multiple car insurance companies to find the best rate.
- Bundle your auto insurance with other policies, such as home insurance, to qualify for a multi-policy discount.
- Look for car insurance discounts that you may be eligible for, such as safe driver discounts, low mileage discounts, or discounts for safety features like anti-theft devices.
- Consider raising your deductible for comprehensive and collision coverage to lower your premiums.
- Improve your credit score, which can affect your car insurance rates.
- Take a defensive driving course to potentially qualify for a discount.
- Assess whether you need collision and comprehensive coverage on older vehicles that may not be worth the cost of coverage.
Why is car insurance so expensive in Georgia?
The cost of car insurance in Georgia can be impacted by several factors, including:
- High population density in urban areas such as Atlanta, leading to a higher likelihood of accidents.
- A significant number of uninsured drivers on Georgia's roads.
- Expensive healthcare costs in the state, which can drive up the cost of medical coverage in car insurance policies.
- The state's extensive highway system, which increases the risk of accidents.
- High rates of car theft and insurance fraud in certain areas of the state.
- Vulnerability to natural disasters, which can lead to higher insurance claims and premiums—especially in coastal cities like Savannah.
FAQs
How much is car insurance in Georgia?
Car insurance rates are determined by a variety of factors, such as the driver's age, driving record, type of vehicle, and location. Each insurance company may weigh these factors differently, resulting in varying rates between carriers. That’s why there’s no one answer for how much car insurance costs in Georgia.
Who has the cheapest car insurance in Georgia?
While every insurance company uses different factors to determine rates, Jerry's survey of over 15,000 car insurance policyholders found that no single company offers the cheapest rates for everyone. To find the most affordable coverage, it's best to use a car insurance comparison tool that can help you compare quotes from multiple carriers.
Why is car insurance so expensive in Georgia?
Car insurance rates in Georgia can be higher than in other states due to factors such as high traffic density, frequency of car theft, high number of uninsured drivers, and vulnerability to natural disasters.
Does insurance follow the car or driver in Georgia?
In Georgia, car insurance generally
follows the car
rather than the driver. This means that if you lend your car to someone and they get into an accident, your insurance policy should cover the damages.Do you have to have car insurance in Georgia?
Yes, if you own and operate a motor vehicle in Georgia, there are car insurance requirements you must meet. The minimum liability insurance coverage required by law in Georgia is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
Does Georgia have high car insurance rates?
Georgia is known to have relatively high car insurance rates compared to the national average. There are several factors that can contribute to high car insurance rates in Georgia, including the state's high population density, urbanization, and traffic congestion.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
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about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.