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Cheapest Car Insurance in Georgia (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Georgia.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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 CompanyPremium (monthly)CustomerCarInsurance Coverage
Safeco
$116
Toyota Camry
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$393
Tesla Model 3
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$183
Mazda 3 i
• State Minimum Liability
National General
$244
Honda Accord EXL
• 50,000/100,000 Liability
• Comp / Collision
Clearcover
$161
Honda Civic EXL
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Jul 12, 2024

Cheapest 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
  • 50/100
  • Comp/Collision
Matthew, 34
Hawkinsville, GA
92
34%
No
  • 50/100
  • Comp/Collision
Sherry, 44
Hiawassee, GA
83
28%
No
  • 26/52
  • Comp/Collision
Lisa, 54
Winston, GA
96
38%
No
  • 50/100
  • Comp/Collision
Benjamin, 64
Sharpsburg, GA
88
29%
No
  • State Minimum Liability
  • Comp/Collision

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 companyDateCost rating (out of 5)What our customer said:
AAA
July 18, 2024
5
"Always had great customer service as well as very knowledgeable and helpful regarding anything I’d ever needed"
-Stephen
DirectAuto
July 13, 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)"
-Dylan
Travelers
July 12, 2024
3
"We had our issues in the past. But we over them now lol."
-Cody
DirectAuto
July 11, 2024
5
"This was the easiest insurance I’ve ever ever got. Very quick get it all online I love it With highly recommend it"
-Marvin
First Acceptance
July 11, 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)"
-Bettie
coverageLast Updated Jul 18, 2024
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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. 
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Janie (30 years old)
coverageCoverage
State Minimum
$206
per month
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Leo (30 years old)
coverageCoverage
State Minimum
carToyota Corolla LE
$186
per month
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Bill (39 years old)
coverageCoverage
State Minimum
$75
per month
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Troy (24 years old)
coverageCoverage
State Minimum
carToyota Camry L
$242
per month
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Leah (54 years old)
coverageCoverage
State Minimum
carBMW 535 i
$212
per month
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Dora (30 years old)
coverageCoverage
State Minimum
carMazda 3 i
$183
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.
Lower my car insurance too!

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 CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$206
Ford Escape Limited
• State Minimum Liability
• Comp / Collision
AAA
$186
Toyota Corolla LE
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$116
Toyota Camry
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$393
Tesla Model 3
• State Minimum Liability
• Comp / Collision
National General
$212
BMW 535 i
coverageLast Updated Jul 12, 2024

Average 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 $160, while the average annual cost of coverage amounts to $1,922. On the other hand, the average monthly cost for full coverage insurance in Georgia stands at $240, with an annual cost averaging $2,877.
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.

Factors affecting car insurance premiums in Georgia

Various factors can impact car insurance premiums in Georgia, including:
  • Driving record and claims history: If you have a history of violations, insurance providers may charge you higher premiums.
  • Location: Where you live, including your city and ZIP code, can also impact your rates.
  • Vehicle type: Certain types of cars, such as luxury, high-performance, and sports cars, may have higher collision and comprehensive coverage rates.
  • Usage: If you use your car for work or business purposes, your insurance premium may be higher than if you only use it for personal reasons.
  • Credit score: Drivers with higher credit scores often pay lower premiums for the same level of coverage.

How Do Different Factors Impact Your Car Insurance Costs in Georgia?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
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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 suspension
    ¹
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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$391
• State Minimum Liability
Speeding 6-10
Travelers
$274
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Allstate
$243
• 50,000/100,000 Liability
Speeding 21+
State Auto
$589
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 18, 2024

Over 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:
GEICO
Love Geico! Will stay with them for life!
Kristopher
Progressive
Great service
Timothy
Mercury
I had Mercury on my last car and I absolutely loved it!
Theresa
Progressive
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.
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Winnie (35 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carNissan Altima 2.5
$353
per month
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Andrew (33 years old)
DUI
coverageCoverage
State Minimum
locationOakwood, GA
carVolkswagen Tiguan S
$222
per month
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Nellie (31 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota Corolla L
$112
per month
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Clearcover
Christian (25 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carChevrolet Malibu 1LT
$181
per month
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Jeanette (31 years old)
DUI
coverageCoverage
State Minimum
carHonda Odyssey EXL
$86
per month
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Harriet (26 years old)
DUI
coverageCoverage
State Minimum
$214
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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$296
• State Minimum Liability
At Fault With No Injury
AAA
$186
• State Minimum Liability
• Comp / Collision
Not At Fault
Travelers
$203
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$82
• 50,000/100,000 Liability
At Fault With Injury
Clearcover
$202
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 12, 2024

FAQ

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. 
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$182
Ford Flex Limited
• State Minimum Liability
• Comp / Collision
Cell Phone
Safeco
$132
Ford Fusion S
• State Minimum Liability
• Comp / Collision
Defective Equipment
Travelers
$144
Ford Fusion SE
• 50,000/100,000 Liability
• Comp / Collision
Driving on Sus. License
Allstate
$148
Toyota Camry L
• 50,000/100,000 Liability
• Comp / Collision
DUI
National General
$214
Chevrolet S Truck S10
• State Minimum Liability
Eluding Police
Mercury
$115
Lexus RX 350
• State Minimum Liability
Failure to Yield
Allstate
$269
BMW M4
• 50,000/100,000 Liability
• Comp / Collision
Illegal Turn
Travelers
$252
Chevrolet Malibu LS
• 50,000/100,000 Liability
• Comp / Collision
Improper Passing
Clearcover
$115
Ford F150 Supercrew
• State Minimum Liability
• Comp / Collision
Leaving scene of an Accident/Hit and Run
Mercury
$148
BMW X5 3.0i
• State Minimum Liability
Open Container
National General
$129
Toyota Venza
• State Minimum Liability
Passing School Bus
Progressive
$105
Nissan Sentra S
• State Minimum Liability
Racing/Drag Racing
Bristol West
$234
Chevrolet Cruze Limited LT
• State Minimum Liability
• Comp / Collision
Reckless Driving
Gainsco
$151
Ford Ranger Super Cab
• State Minimum Liability
Seat Belt
Infinity
$117
Honda CR-V LX
• State Minimum Liability
Speeding 16-20
Safeco
$333
Hyundai Sonata SEL Plus
• 50,000/100,000 Liability
• Comp / Collision
Speeding Violation-Minor
State Auto
$200
Lexus ES 350
• 50,000/100,000 Liability
• Comp / Collision
Suspension
Allstate
$202
Toyota Corolla
• 50,000/100,000 Liability
Wrong Way/Wrong Lane
First Acceptance
$284
Dodge Challenger SXT
• State Minimum Liability
Failure to show documents
Plymouth Rock
$102
Pontiac Grand Prix
• State Minimum Liability
coverageLast Updated Jul 18, 2024

Finding 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.
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Lola (30 years old)
Currently Insured
coverageCoverage
State Minimum
$206
per month
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Sue (30 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carNissan Sentra S
$147
per month
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Elsie (62 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carChevrolet Camaro LT
$259
per month
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Leroy (35 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carGMC Sierra K1500 SLT
$143
per month
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Clearcover
Leo (29 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
carHonda Civic EXL
$161
per month
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Donald (40 years old)
Not Currently Insured
coverageCoverage
State Minimum
carHonda Crosstour EX
$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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$100
KIA Sorento LX
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Travelers
$157
Acura MDX
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Nationwide
$165
KIA Sorento LX
• State Minimum Liability
• Comp / Collision
< 550
Nationwide
$200
Chevrolet Malibu LS
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 16, 2024

Cheapest 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.
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Laura (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFord Escape Limited
$206
per month
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Leroy (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carKIA Forte EX
$209
per month
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Fannie (24 years old)
coverageCoverage
State Minimum
locationDallas, GA
carHyundai Sonata GLS
$339
per month
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Caleb (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFord Fusion Titanium
$415
per month
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Carolyn (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPerkins, GA
carNissan Versa S
$315
per month
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Gainsco
Louis (23 years old)
coverageCoverage
State Minimum
carSubaru WRX Premium
$474
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. 
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Eugenia (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Civic Sport
$115
per month
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Bradley (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carNissan Rogue S
$128
per month
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Maud (70 years old)
coverageCoverage
State Minimum
locationColumbus, GA
carFord Edge Limited
$127
per month
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Elmer (70 years old)
coverageCoverage
State Minimum
locationClyo, GA
carChrysler Concorde
$95
per month
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Jerry (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carKIA Spectra LX
$61
per month
card cover
Ernest (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
carMazda 6 i
$115
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.
Progressive
Excellent and easy to use.
Angie
GEICO
Gives you the lowest car insurance out there!
Kim
Progressive
Great rates and wonderful coverage!
Leasha
Bristol West
Great experience all around. With the app, and the company itself!
Gary

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:
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Bloomingdale, GA
Janie, 30
Progressive
$206
Ford Maverick XL
• State Minimum Liability
• Comp / Collision
Peachtree Corners, GA
Bill, 39
Safeco
$75
Mercedes-Benz E 550
• State Minimum Liability
Athens, GA
Millie, 30
AAA
$186
Toyota Corolla LE
• State Minimum Liability
• Comp / Collision
Decatur, GA
Catherine, 62
Allstate
$259
Chevrolet Camaro LT
• 50,000/100,000 Liability
• Comp / Collision
Valdosta, GA
Dora, 30
Bristol West
$183
Mazda 3 i
• State Minimum Liability
Decatur, GA
Leah, 54
National General
$212
BMW 535 i
• State Minimum Liability
• Comp / Collision
Lithonia, GA
Allie, 29
Clearcover
$161
Honda Civic EXL
• 30,000/60,000 Liability
• Comp / Collision
Eatonton, GA
Violet, 29
First Acceptance
$176
Jeep Liberty Limited
• State Minimum Liability
Milledgeville, GA
Jeffery, 35
The General
$175
Honda Accord EX
• State Minimum Liability
Braselton, GA
Emily, 35
Assurance America
$144
Mazda 3 i
• State Minimum Liability
coverageLast Updated Jul 15, 2024

How 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:
  1. Compare quotes from multiple car insurance companies to find the best rate.
  2. Bundle your auto insurance with other policies, such as home insurance, to qualify for a multi-policy discount.
  3. 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.
  4. Consider raising your deductible for comprehensive and collision coverage to lower your premiums.
  5. Improve your credit score, which can affect your car insurance rates.
  6. Take a defensive driving course to potentially qualify for a discount.
  7. 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

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.
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.
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.
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.
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.
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

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R.E. Fulton
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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.
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Lina Zhang
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Licensed Insurance Agent
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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.
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Josh Damico
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Head Of Insurance Operations
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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.
*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.