Cheapest Car Insurance in Georgia (2025)

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Cheapest Car Insurance in Georgia (2025)

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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
Commonwealth Insurance $64 $770
Bluefire $71 $847
Mendota $100 $1,204
Electric $145 $1,738
Safeco $156 $1,874
Dairyland $169 $2,025
Progressive $191 $2,295
Assurance America $214 $2,566
National General $229 $2,743
First Acceptance $247 $2,963
Last Updated Feb 13, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, 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
Mercury $74 $893
Bluefire $123 $1,472
Electric $187 $2,241
Progressive $294 $3,532
Mendota $308 $3,695
Safeco $311 $3,734
First Acceptance $319 $3,823
Assurance America $346 $4,154
Dairyland $360 $4,325
National General $377 $4,522
Last Updated Feb 13, 2025

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 $591 $7,094
21-24 $455 $5,463
Last Updated Feb 13, 2025

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
Trexis 20 $331 $3,970
Progressive 20 $356 $4,269
National General 20 $382 $4,588
First Acceptance 20 $400 $4,805
Assurance America 20 $420 $5,036
Last Updated Feb 13, 2025

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
Progressive 20 $529 $6,344
National General 20 $652 $7,827
Trexis 20 $653 $7,840
Root 20 $669 $8,033
Assurance America 20 $746 $8,948
The General 20 $920 $11,042
Gainsco 20 $957 $11,478
Bristol West 20 $984 $11,808
Last Updated Feb 13, 2025

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 $341 $4,096
35-44 $293 $3,512
45-54 $264 $3,173
Last Updated Feb 13, 2025

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
Progressive 36 $173 $2,072
Assurance America 36 $198 $2,371
First Acceptance 36 $210 $2,520
National General 36 $238 $2,857
Gainsco 36 $250 $3,000
Last Updated Feb 13, 2025

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
Mercury 36 $74 $893
Bluefire 36 $171 $2,049
Safeco 36 $229 $2,749
Progressive 36 $268 $3,218
Assurance America 36 $322 $3,870
National General 36 $360 $4,315
Root 36 $402 $4,823
The General 36 $464 $5,568
Gainsco 36 $482 $5,785
Trexis 36 $492 $5,906
Last Updated Feb 13, 2025

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 $255 $3,065
65+ $270 $3,240
Last Updated Feb 13, 2025

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
Progressive 65 $150 $1,803
Assurance America 65 $185 $2,215
National General 65 $188 $2,253
The General 65 $201 $2,408
Bristol West 65 $211 $2,527
Last Updated Feb 13, 2025

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
Safeco 65 $165 $1,982
Progressive 65 $224 $2,687
Assurance America 65 $267 $3,208
National General 65 $301 $3,614
The General 65 $342 $4,104
Gainsco 65 $440 $5,281
Bristol West 65 $449 $5,385
Trexis 65 $1,016 $12,190
Last Updated Feb 13, 2025

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
$296 $3,549
Last Updated Feb 13, 2025

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
Aspire Advantage $74 $886
Mercury $74 $893
Electric $94 $1,124
Anchor General $130 $1,560
Bluefire $137 $1,643
Dairyland $200 $2,398
Progressive $204 $2,443
Aspen $230 $2,761
First Acceptance $231 $2,771
Safeco $231 $2,772
Last Updated Feb 13, 2025

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 $326 $3,915
660-750 $323 $3,871
<550 $327 $3,922
750+ $288 $3,455
Last Updated Feb 13, 2025

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
Aspire Advantage <550 $103 $1,239
Progressive <550 $245 $2,939
First Acceptance <550 $248 $2,979
Aspen <550 $257 $3,083
Commonwealth Insurance <550 $261 $3,129
Last Updated Feb 13, 2025

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 $466 $5,597
At Fault With No Injury $378 $4,536
Not At Fault $326 $3,915
$295 $3,544
Last Updated Feb 13, 2025

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 $61 $733
Aspire Advantage At Fault With No Injury $127 $1,529
Safeco At Fault With No Injury $239 $2,870
First Acceptance At Fault With No Injury $278 $3,333
Embark General At Fault With No Injury $282 $3,384
Last Updated Feb 13, 2025

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
First Acceptance At Fault With Injury $316 $3,787
Progressive At Fault With Injury $345 $4,137
National General At Fault With Injury $407 $4,888
Assurance America At Fault With Injury $444 $5,333
Trexis At Fault With Injury $460 $5,515
Last Updated Feb 13, 2025

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
Safeco $153 $1,831
Progressive $235 $2,820
First Acceptance $262 $3,149
Root $294 $3,526
Assurance America $304 $3,654
National General $311 $3,733
Trexis $418 $5,018
Dairyland $431 $5,175
The General $440 $5,274
Bristol West $478 $5,735
Last Updated Feb 13, 2025

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
Progressive $209 $2,514
First Acceptance $216 $2,588
National General $250 $3,003
Assurance America $254 $3,047
Gainsco $312 $3,741
Bristol West $342 $4,102
The General $343 $4,120
Root $386 $4,628
Trexis $455 $5,465
Last Updated Feb 13, 2025

Average Car Insurance for Drivers with Other Violations in Georgia

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $332 $3,986
Cell Phone $302 $3,619
Defective Equipment $291 $3,493
Driving on Sus. License $319 $3,824
Eluding Police $271 $3,249
Failure to Obey Traffic Sign $335 $4,025
Illegal Turn $364 $4,371
Improper Passing $405 $4,859
Leaving scene of an Accident/Hit and Run $393 $4,712
Open Container $267 $3,206
Other $349 $4,192
Passing School Bus $277 $3,320
Reckless Driving $498 $5,978
Seat Belt $250 $3,005
Suspension $349 $4,190
Wrong Way/Wrong Lane $358 $4,299
Last Updated Feb 13, 2025

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

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

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
Still have questions? Contact us

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.