Cheap Car Insurance in Georgia for 2025 (Save With These 10 Companies)
Geico, AAA, and Erie are top picks for cheap car insurance in Georgia, offering rates as low as $24/month. Geico leads with low premiums and strong coverage, AAA provides flexible options and discounts, while Erie stands out for its regional expertise, outstanding customer service, and customizable policies.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
UPDATED: Sep 28, 2024
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Sep 28, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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3,027 reviewsCompany Facts
Min. Coverage in Georgia
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Min. Coverage in Georgia
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1,883 reviewsThe top picks for cheap car insurance in Georgia are Geico, AAA, and Erie, offering the best rates and coverage options. Geico stands out overall with its consistently low premiums and strong customer service, while AAA provides flexible plans and discounts.
Erie excels with its regional expertise and high customer satisfaction. Discover how rates are determined to these companies help Georgia drivers save on quality coverage.
Our Top 10 Company Picks: Cheap Car Insurance in Georgia| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $24 | A++ | Low Premiums | Geico |
 | #2 | $29 | A | Flexible Options | AAA |
 | #3 | $37 | A+ | Regional Expertise | Erie |
 | #4 | $43 | B | Extensive Network | State Farm |
 | #5 | $44 | A++ | Broad Coverage | Travelers |
 | #6 | $46 | A+ | Flexible Options | Progressive |
 | #7 | $50 | A | Comprehensive Service | American Family |
 | #8 | $60 | A | Customizable Plans | Farmers |
 | #9 | $66 | A+ | Strong Reputation | Allstate |
 | #10 | $106 | A | Discount Variety | Liberty Mutual |
Understanding car insurance in Georgia is essential to get the right policy for your needs and budget. We will also explore the factors that can influence your car insurance rates and provide you with some helpful tips to save money.
If you’re just looking for coverage to drive legally, enter your ZIP code above to compare cheap auto insurance quotes near you.
- Get cheap car insurance in Georgia by comparing rates and maximizing savings
- Explore coverage options that fit Georgia drivers’ unique needs and budgets
- Geico is the top pick for affordable insurance with low rates and great service
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#1 – Geico: Top Overall Pick
Pros
- Lowest Rates: Geico offers the most affordable car insurance option in Georgia, with minimum coverage starting at just $24 per month, making it ideal for cost-conscious drivers.
- Excellent Financial Stability: As mentioned in our Geico insurance review, Geico holds an A++ rating from A.M. Best, ensuring dependable claims service and financial security.
- Convenient Digital Access: Geico’s highly rated mobile app and online platform make managing policies and filing claims easy and efficient for drivers in Georgia.
Cons
- Limited Local Agent Interaction: Geico’s emphasis on digital services may not appeal to those who prefer in-person support.
- Higher Costs for High-Risk Drivers: Drivers with less favorable records or recent incidents may find Geico’s rates higher in Georgia.
#2 – AAA: Best for Flexible Options
Pros
- Customizable Policies: AAA offers a range of flexible coverage options to meet the varied needs of Georgia drivers, starting at $29 per month for minimum coverage.
- Additional Member Perks: Read our AAA insurance review to see that AAA members benefit from roadside assistance and travel-related discounts, adding extra value beyond car insurance.
- Solid Financial Health: An A rating from A.M. Best indicates AAA’s strong ability to meet financial commitments and handle claims effectively.
Cons
- Membership Requirement: Coverage is only available to AAA members, which may not suit all drivers.
- Higher Starting Rates: AAA’s initial premiums can be higher than some of its low-cost competitors in Georgia.
#3 – Erie: Best for Regional Expertise
Pros
- Deep Regional Knowledge: Erie specializes in understanding the unique insurance needs of Georgia drivers, with competitive rates starting at $37 per month for minimum coverage.
- Outstanding Customer Feedback: Erie is highly rated for customer service, particularly among regional insurers, and receives positive feedback from its clients in Georgia.
- Strong Financial Standing: With an A+ rating from A.M. Best, Erie offers reliable financial support and claims processing (Learn More: Bundling Home and Auto Insurance With Erie).
Cons
- Limited Nationwide Coverage: Erie’s insurance products are not available in all states, which could be a drawback for those planning to move out of Georgia.
- Less Robust Digital Tools: Erie’s online and mobile services may not be as comprehensive as those offered by larger national insurers.
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#4 – State Farm: Best for Extensive Network
Pros
- Extensive Local Agent Presence: State Farm has one of the largest networks of local agents throughout Georgia, providing personalized service at a rate of $43 per month for minimum coverage.
- Variety of Discounts: Offers numerous savings opportunities, such as multi-policy, safe driver, and good student discounts, to help reduce premiums.
- Reliable Claims Process: State Farm is well-regarded for its efficient and effective claims handling, ensuring prompt support for Georgia drivers.
Cons
- Moderate Financial Strength Rating: B rating from A.M. Best lower than some of its competitors. Read our “Does State Farm car insurance cover rental cars when I am traveling out of town?“
- Potentially Higher Costs: Despite available discounts, some drivers may find State Farm’s premiums higher compared to other budget-oriented insurers in Georgia.
#5 – Travelers: Best for Broad Coverage
Pros
- Wide Range of Coverage Options: Travelers provides a broad array of coverage choices, including options like rental reimbursement and accident forgiveness, with rates at $44/month in Georgia.
- Superior Financial Stability: Rated A++ by A.M. Best, Travelers is known for its strong financial standing and dependable claims service.
- Attractive Bundling Discounts: Offers generous discounts for combining multiple policies, allowing Georgia residents to maximize savings.
Cons
- Limited Discounts for Younger Drivers: Younger, less experienced drivers may find fewer discount opportunities with Travelers.
- Higher Premiums for Certain Vehicle Types: Travelers may have higher rates for luxury or specialty vehicles in Georgia. Check out our guide “Bundling Home and Auto Insurance With Travelers.”
#6 – Progressive: Best for Flexible Options
Pros
- Diverse Coverage Options: Progressive offers a range of customizable coverage choices, including innovative usage-based programs, starting at $46 per month for Georgia drivers.
- Competitive Rates for High-Risk Drivers: Progressive often provides more affordable options for high-risk drivers compared to other insurers in Georgia.
- Advanced Digital Services: Progressive’s online tools and mobile app receive high praise, providing a user-friendly experience for Georgia policyholders.
Cons
- Inconsistent Customer Service Feedback: While many customers are satisfied, some have reported issues with claims processing and customer support in Georgia.
- Significant Rate Increases Post-Claim: Policyholders may see considerable premium hikes following a claim. Read our guide “How do I appeal an car insurance claim with Progressive?”
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#7 – American Family: Best for Comprehensive Service
Pros
- Comprehensive Coverage Options: American Family offers a wide selection of coverage plans, with personalized service starting at $50 per month for minimum coverage in Georgia.
- Strong Local Agent Network: The company maintains a robust network of local agents, ensuring personalized service for Georgia drivers.
- Numerous Discount Opportunities: Provides various discount options, including those for safe drivers, multi-car policies, and bundling.
Cons
- Higher Initial Premiums: The base rates for American Family’s minimum coverage may be higher than some competitors in Georgia.
- Availability Issues: Coverage is not available in every state, which may limit its appeal for drivers (Read more: How to File an Car Insurance Claim With American Family Insurance Company).
#8 – Farmers: Best for Customizable Plans
Pros
- Highly Customizable Policies: Farmers specializes in flexible insurance plans that can be tailored to the individual needs of Georgia drivers, with minimum coverage starting at $60 per month.
- Excellent Customer Support: Farmers is known for providing responsive customer service and knowledgeable local agents throughout Georgia.
- Wide Range of Discounts Available: Offers several discount options, including those for good students, safe driving, and multi-policy customers.
Cons
- Higher Premiums for Some High-Risk Drivers: Drivers with less favorable driving histories or multiple claims may face higher premiums with Farmers in Georgia.
- Limited Online Resources: Lack some of the advanced digital tools and app features. Browse our “What documentation do I need to file an car insurance claim with Farmers Insurance?“
#9 – Allstate: Best for Strong Reputation
Pros
- Reputable and Reliable: Allstate is known for its strong reputation and customer trust, supported by an A+ rating from A.M. Best, with rates starting at $66 per month for minimum coverage in Georgia.
- Variety of Coverage Options: Provides a wide range of coverage choices and policy add-ons, including accident forgiveness and new car replacement.
- Discount Opportunities: Multiple savings opportunities are available, including discounts for safe driving, bundling policies, and more.
Cons
- Higher Costs for Basic Coverage: Allstate’s rates for minimum coverage may be higher than those offered by some low-cost competitors in Georgia.
- Variable Customer Service Experience: Feedback on customer service can vary depending on location within Georgia. Read our article titled “How do I renew my car insurance policy with Allstate?”
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#10 – Liberty Mutual: Best for Discount Variety
Pros
- Extensive Discount Options: Liberty Mutual offers a diverse range of discounts, such as for early shopping, multi-policy bundling, and safe driving, with basic coverage starting at $106 per month in Georgia.
- Customizable Coverage Plans: Provides flexible coverage options to meet different needs and budgets for Georgia drivers.
- Reliable Financial Backing: An A rating from A.M. Best indicates strong financial stability and a dependable claims process.
Cons
- Higher Starting Rates: Some of the highest initial rates for minimum coverage in Georgia. Learn more “What car insurance discounts does Liberty Mutual Personal Insurance Company offer?“
- Fewer Local Agents: There may be limited availability of local agents in some areas of Georgia, affecting access to in-person support.
Understanding Car Insurance in Georgia
When it comes to car insurance in Georgia, it’s crucial to grasp the basics. Car insurance is a contract between you and the insurance company that protects you financially in case of an accident or other covered event. It provides coverage for property damage, medical expenses, and liability for injuries and damages to others. Browse in our guide “What medical expenses are tax deductible?”
Georgia Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $29 | $71 |
| $66 | $165 |
| $50 | $124 |
| $37 | $95 |
| $60 | $149 |
| $24 | $61 |
| $106 | $263 |
| $46 | $115 |
| $43 | $107 |
| $44 | $110 |
Georgia has specific car insurance requirements that drivers must meet. Familiarizing yourself with these requirements will help ensure you have the necessary coverage. Let’s dive into the details.
The Basics of Car Insurance
Car insurance policies consist of various types of coverage, such as liability coverage, collision coverage, and comprehensive coverage. Uncover details in our guide “What happens if I only have liability insurance and I rear ended a car causing a 5 car pileup.”
- Liability Coverage: Required in Georgia; covers injuries and damages to others if you’re at fault. Includes bodily injury and property damage.
- Collision Coverage: Pays for repairs or replacement of your vehicle after a collision.
- Comprehensive Coverage: Protects against non-collision events like theft, fire, or natural disasters.
Understanding these different types of coverage will help you make informed decisions when selecting your car insurance policy. Remember, the more coverage you have, the higher your premiums will be. So, it’s essential to strike a balance between adequate coverage and affordability.
Georgia’s Car Insurance Requirements
It’s important to meet these minimum requirements to legally drive in Georgia. However, keep in mind that these minimums might not provide sufficient coverage for all situations. Assess your needs and consider obtaining additional coverage to protect yourself adequately. The state minimum requirements for car insurance in Georgia include:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident
When determining the appropriate coverage for your car insurance policy, it’s essential to consider factors such as your driving habits, the value of your vehicle, and your financial situation. While meeting the state’s minimum requirements is necessary, it’s often advisable to opt for higher coverage limits to ensure you are fully protected in the event of an accident.
Georgia Car Insurance Discounts by Provider| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Good Student, Drivewise, Homeowner |
| Multi-Policy, Safe Driver, Good Student, Accident Forgiveness, Vehicle Safety |
| Multi-Policy, Safe Driver, Accident Forgiveness, Student, Homeowner |
| Multi-Policy, Safe Driver, Good Student, Homeowner, Accident Forgiveness |
| Good Driver, Multi-Policy, Anti-Theft, Military, Student |
| Multi-Policy, Safe Driver, Accident Forgiveness, New Car, Homeowner |
| Snapshot, Multi-Policy, Safe Driver, Homeowner, Continuous Insurance |
| Safe Driver, Multi-Policy, Good Student, Drive Safe & Save, Accident-Free |
| Multi-Policy, Safe Driver, Good Student, Anti-Theft, Homeowner |
 | Military, Safe Driver, Multi-Vehicle, Good Student, Homeowner |
Additionally, it’s worth exploring optional coverages such as medical payments coverage, which helps pay for medical expenses for you and your passengers, regardless of who is at fault in an accident. Another optional coverage to consider is rental reimbursement coverage, which provides compensation for the cost of renting a vehicle while yours is being repaired after an accident.
By understanding the basics of car insurance and Georgia’s specific requirements, you can make informed decisions when selecting your policy. Remember to review your coverage regularly and make adjustments as needed to ensure you have adequate protection on the road.
Factors Influencing Car Insurance Rates in Georgia
When it comes to car insurance rates in Georgia, there are several factors that can significantly impact the cost of coverage. It’s important to understand these factors and take them into account when comparing quotes to find the most affordable and suitable insurance for your needs (Read More: Best Car Insurance for High-Risk Drivers).
Age and Driving Experience
One of the key factors that insurance companies consider when determining car insurance rates is your age and driving experience. Young drivers and those with limited driving experience often face higher insurance rates. This is because insurance providers perceive these groups as being riskier to insure due to their higher likelihood of being involved in accidents.
Georgia Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Albany | 760 | 610 |
| Athens | 890 | 700 |
| Atlanta | 5,345 | 4,200 |
| Augusta | 1,120 | 890 |
| Columbus | 950 | 760 |
| Macon | 1,400 | 1,100 |
| Marietta | 820 | 660 |
| Roswell | 480 | 380 |
| Sandy Springs | 650 | 530 |
| Savannah | 1,050 | 820 |
However, as you gain more experience behind the wheel and maintain a clean driving record, your rates may gradually decrease.
It’s worth noting that some insurance companies offer special programs or discounts for young drivers who complete driver’s education courses or defensive driving courses. These programs can not only help enhance your driving skills but also potentially reduce your insurance premiums.
Vehicle Make and Model
Another crucial factor that can affect your car insurance rates in Georgia is the type of vehicle you drive. Insurance companies take into consideration the make and model of your car when determining your premiums. Expensive cars or those with high theft rates typically have higher insurance premiums. This is because the cost of repairing or replacing such vehicles is generally higher.
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Moreover, the safety features of your vehicle can also impact your insurance rates. Cars equipped with advanced safety features like anti-lock brakes, airbags, and electronic stability control may qualify for lower premiums as they are considered safer and less prone to accidents.
GeorgiaI Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B | Relatively moderate traffic density compared to other states |
| Weather-Related Risks | B | Occasional weather risks, such as rain and storms |
| Average Claim Size | B- | Slightly higher-than-average insurance claim sizes |
| Uninsured Drivers Rate | C+ | A notable portion of drivers remain uninsured |
| Vehicle Theft Rate | C | Moderate rate of vehicle theft incidents in Georgia |
Additionally, the repair costs of your vehicle play a role in determining your insurance rates. Some cars have higher repair costs due to the availability and cost of their parts. Insurance companies take this into account when calculating your premiums.
Driving Record and Claims History
Undoubtedly, your driving record and claims history heavily influence your car insurance rates. Insurance companies assess your risk level based on traffic violations, accidents, and claims from the past three to five years.
5 Common Car Insurance Claims in Georgia| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision Damage | 30% | $4,500 |
| Property Damage Liability | 25% | $3,200 |
| Comprehensive Damage | 20% | $2,800 |
| Personal Injury | 15% | $15,000 |
| Uninsured Motorist | 10% | $8,500 |
A history of incidents may lead to higher premiums, while a clean record can help you qualify for discounts and lower rates. Always provide accurate information to insurers to get the most accurate quotes.
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Tips for Finding Cheap Car Insurance in Georgia
Now that you understand the basics of car insurance in Georgia and the factors that influence rates, let’s explore some tips to help you find affordable coverage. For more information, read our article titled “Best Car Insurance Companies for Comprehensive Coverage.”
To find cheap car insurance in Georgia, start by comparing quotes from multiple insurers. Each company calculates premiums differently, so shopping around can help you find the best rate for your specific needs. Be sure to ask about available discounts, such as those for safe driving, bundling policies, or completing driver safety courses.
Maintaining a clean driving record is crucial for keeping insurance costs down. Avoid traffic violations, accidents, and claims, as these can increase your premiums. Additionally, consider the type of car you drive, as vehicles with lower repair costs, better safety ratings, and lower theft risk are typically cheaper to insure.
Georgia Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A+ | 30% | Geico, State Farm, Liberty Mutual, Nationwide |
| Pay-in-Full Discount | A+ | 20% | Allstate, State Farm, Progressive, Geico |
| Multi-Policy Discount | A | 25% | Allstate, State Farm, Geico, Progressive |
| Good Student Discount | A | 20% | Progressive, Farmers, Nationwide, Allstate |
| Military Discount | A | 15% | USAA, Geico, State Farm |
| Defensive Driving Discount | A- | 10% | Progressive, Geico, Liberty Mutual |
| Anti-Theft Discount | B+ | 15% | State Farm, Liberty Mutual, Travelers |
| New Vehicle Discount | B | 12% | Geico, Allstate, Nationwide, Liberty Mutual |
| Paperless Billing Discount | B | 5% | Allstate, Liberty Mutual, Nationwide |
Lastly, evaluate your coverage needs to strike the right balance between cost and protection. While opting for minimum coverage may seem cheaper, ensure it sufficiently meets your needs. Regularly review your policy and adjust coverage limits or deductibles to find the most affordable option that still provides adequate protection.
By following these tips and being proactive in your search for cheap car insurance in Georgia, you can find an affordable policy that meets your needs. Remember to regularly review your coverage and compare quotes to ensure you’re still getting the best rate possible.
Case Studies: Real Savings on Car Insurance in Georgia
See how three Georgia drivers found affordable car insurance by choosing the right coverage options and companies. These real-life examples highlight how comparing rates, considering discounts, and selecting the best provider can lead to significant savings.
- Case Study #1 – The Young Driver: Sarah, a 22-year-old driver from Atlanta, was paying high premiums due to her limited driving experience. By comparing quotes and choosing Geico, the top pick for low-cost coverage, she reduced her monthly premium from $180 to $95, thanks to Geico’s discounts for safe driving and good student status.
- Case Study #2 – The Family Man: John, a father of two from Savannah, needed affordable insurance for multiple vehicles. After reviewing different options, he switched to AAA, which offered flexible coverage and a multi-car discount. This switch saved him $60 per month while maintaining comprehensive coverage for his family.
- Case Study #3 – The Regional Commuter: Lisa, who commutes daily from Marietta to downtown Atlanta, found Erie to be the best choice due to its regional expertise and competitive rates. She saved $50 monthly on her premium and enjoyed benefits like accident forgiveness and better customer service tailored to local drivers.
By comparing providers and considering personal factors, these drivers achieved cheap car insurance in Georgia that meets their unique needs. Delve into more details in our guide “Full Coverage Auto Insurance.”
Brandon Frady LICENSED INSURANCE AGENT
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Frequently Asked Questions
What is the best company for cheap car insurance in Georgia?
Geico is the top pick for cheap car insurance in Georgia, offering the best combination of low rates and reliable customer service. Explore more on our guide “Do I need multiple policies to get enough coverage?”
How much can I save with Geico in Georgia?
Drivers can save significantly with Geico, with rates as low as $24 per month depending on individual factors like driving history and vehicle type. Start saving on your auto insurance by entering your ZIP code below and comparing quotes.
What factors affect car insurance rates in Georgia?
Factors include age, driving experience, location, vehicle make and model, and your driving record.
What discounts can I get on car insurance in Georgia?
Common best car and home insurance discounts include safe driver, multi-car, good student, and bundling discounts for combining home and auto insurance.
How can young drivers find cheap car insurance in Georgia?
Young drivers can save by comparing quotes, choosing a company like Geico or Erie with discounts for good students or safe drivers, and maintaining a clean driving record.
Does Georgia require a minimum level of car insurance coverage?
Yes, Georgia requires minimum liability coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. Learn more insights in our guide “How is the value of property damage determined?”
How does AAA offer affordable car insurance in Georgia?
AAA provides flexible coverage options and discounts, such as multi-car and membership benefits, which can lower premiums.
Is Erie a good choice for car insurance in Georgia?
Yes, Erie is known for its regional expertise, competitive rates, and customer-friendly policies, such as accident forgiveness.
How can I get the cheapest car insurance rate in Georgia?
To get the cheapest rate, compare quotes from multiple providers, maintain a clean driving record, and take advantage of discounts (Read More: How much insurance coverage do I need?)
Why should I compare car insurance quotes in Georgia?
Comparing quotes helps you find the best rates and coverage options tailored to your needs, ensuring you don’t overpay for insurance. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
Enter your ZIP code below to compare cheap insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.