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
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
Last Updated Jan 19, 2025

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
Last Updated Jan 19, 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 $588 $7,053
21-24 $404 $4,844
Last Updated Jan 19, 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
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
Last Updated Jan 19, 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
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
Last Updated Jan 19, 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 $296 $3,556
35-44 $249 $2,982
45-54 $229 $2,749
Last Updated Jan 19, 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
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
Last Updated Jan 19, 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
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
Last Updated Jan 19, 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 $217 $2,608
65+ $234 $2,803
Last Updated Jan 19, 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
Embark General 65 $52 $629
Metlife 65 $61 $737
State Auto 65 $67 $807
Nationwide 65 $70 $841
Mercury 65 $95 $1,136
Last Updated Jan 19, 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
Kemper 65 $145 $1,738
Nationwide 65 $160 $1,915
Travelers 65 $202 $2,427
Progressive 65 $205 $2,462
Mercury 65 $207 $2,486
Allstate 65 $249 $2,985
Electric 65 $253 $3,034
Safeco 65 $265 $3,183
Assurance America 65 $284 $3,409
National General 65 $287 $3,449
Last Updated Jan, 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
$245 $2,942
Last Updated Jan 19, 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
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
Last Updated Jan 19, 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 $314 $3,772
660-750 $311 $3,738
<550 $309 $3,713
750+ $247 $2,964
Last Updated Jan 19, 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
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
Last Updated Jan 19, 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 $380 $4,555
At Fault With No Injury $327 $3,928
Not At Fault $284 $3,403
$247 $2,959
Last Updated Jan 19, 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 $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
Last Updated Jan 19, 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
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
Last Updated Jan 19, 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
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
Last Updated Jan 19, 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
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
Last Updated Jan 19, 2025

Average Car Insurance for Drivers with Other Violations in Georgia

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $340 $4,081
Cell Phone $317 $3,799
Defective Equipment $249 $2,993
Driving on Sus. License $307 $3,684
Eluding Police $231 $2,773
Failure to Obey Traffic Sign $312 $3,739
Illegal Turn $341 $4,093
Improper Passing $317 $3,808
Leaving scene of an Accident/Hit and Run $380 $4,564
Open Container $224 $2,689
Other $324 $3,884
Passing School Bus $200 $2,400
Racing/Drag Racing $178 $2,140
Reckless Driving $442 $5,308
Seat Belt $266 $3,187
Suspension $335 $4,023
Wrong Way/Wrong Lane $371 $4,449
Last Updated Jan, 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.

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.

For illustrative purposes only, results may vary

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