2021 Best Cheap Car Insurance in Georgia

Table of Contents Cheapest for typical drivers: Auto-Owners InsuranceCheapest for drivers with prior accidents: Auto-Owners

All Georgia drivers are required to have car insurance by state law. But with average premiums costing thousands of dollars per year, finding the cheapest car insurance in Georgia isn’t always an easy task. Below are some places drivers can begin their search based on several common driver profiles.

  • Cheapest for typical drivers: Auto-Owners Insurance
  • Cheapest for drivers with prior accidents: Auto-Owners Insurance
  • Cheapest for drivers with prior speeding tickets: Nationwide
  • Cheapest for young drivers: Geico
  • Cheapest for senior drivers: Nationwide
  • Cheapest for drivers looking for minimum coverage: Auto-Owners Insurance
  • Cheapest for drivers with poor credit: Geico

Cheapest for typical drivers: Auto-Owners Insurance

Typical female drivers can expect to pay about $2,200 for Georgia auto insurance, while typical male drivers pay a little bit less — about $2,188 per year on average. This is based on the profiles of a 35-year-old male and 35-year-old female driver with clean driving records.

But drivers who go with Auto-Owners only pay about $1,322 per year on average, whether male or female. The following insurers are also among the best car insurance companies in Georgia:

  • Progressive, which charges females about $1,394 per year on average and males about $1,397 per year
  • State Farm, where both men and women see average annual premiums of $1,793

Cheapest for drivers with prior accidents: Auto-Owners Insurance

Drivers with a single prior accident see average annual premiums of about $3,242 for Georgia auto insurance. But once again, Auto-Owners offers these drivers a much lower rate, charging about $1,835 per year on average.

Drivers with a less-than-perfect driving record should also get car insurance quotes in Georgia from these companies:

  • Geico, which charges drivers with a single accident an average annual premium of $2,091
  • State Farm, where drivers with one accident pay about $2,135 per year on average

Cheapest for drivers with prior speeding tickets: Nationwide

A single speeding ticket bumps the average Georgia auto insurance premium up to $2,767 per year. In our quote analysis, Nationwide offered these drivers the cheapest rate, coming in at $1,581 per year on average.

But the following two companies also offer low-cost car insurance in Georgia for drivers with one speeding ticket:

  • Geico, coming in just behind Nationwide with $1,699 average annual premiums
  • Auto-Owners Insurance, where drivers with a single speeding ticket pay about $1,749 per year on average

Cheapest for young drivers: Geico

Young drivers face average annual premiums of $6,280, so shopping around for the cheapest car insurance in Georgia is especially important for them. Geico offers these drivers an average annual premium of $3,506 per year. This is based on the profile of an 18-year-old male driver with a clean record.

The following two companies also offered some of the best car insurance in Georgia for teens and young drivers:

  • Auto-Owners Insurance, which charges teen drivers about $3,934 on average
  • Georgia Farm Bureau Insurance, which has average annual premiums of $3,952 for teen drivers

Cheapest for senior drivers: Nationwide

Senior drivers typically pay less than the state average for Georgia auto insurance. The average 65-year-old driver with a clean record in Georgia has an annual premium of $2,066. But drivers who go with Nationwide could pay about half that. Its average premium for senior drivers was just $1,163 per year.

The following two companies also offered affordable car insurance in Georgia for seniors:

  • Geico, which has an average annual premium of $1,210 for senior drivers
  • Progressive, where senior drivers pay about $1,228 per year on average

Cheapest for drivers looking for minimum coverage: Auto-Owners Insurance

Auto-Owners Insurance also came out as the best Georgia auto insurance for those looking for minimum coverage. Its average annual premium was just $473, about half the state average of $958.

Those looking for cheap liability car insurance in Georgia should also consider the following companies:

  • Allstate, where drivers can get minimum coverage for about $478 per year on average
  • Geico, which offers Georgia drivers minimum coverage for around $515 per year

Cheapest for drivers with poor credit: Geico

Drivers with poor credit pay about $3,375 on average for Georgia auto insurance. But if these drivers go with Geico, they could pay much less — about $2,106 on average.

Other insurers that offer cheap Georgia auto insurance for drivers with poor credit include:

  • Nationwide, which has an average annual premium of $2,141 for drivers with poor credit
  • Auto-Owners Insurance, where drivers with poor credit pay about $2,348 per year on average

Average car insurance cost in Georgia compared to the national average

How much is car insurance in Georgia? The answer to that depends on several factors, including driving record, vehicle type, address, and more. The average Georgia auto insurance premium is $2,736 per year. That’s just slightly above the national average of $2,646 per year.

Georgia auto insurance laws

Here are a few Georgia car insurance laws all drivers should be aware of:

Georgia is an at-fault auto insurance state

In Georgia, the driver who is found to be at fault in the accident is responsible for paying the medical bills and vehicle repairs for themselves and the other driver, if necessary. Expenses can easily exceed the state minimum coverage in severe accidents, so drivers should consider purchasing more than this to ensure they’re fully protected.

Consequences for driving without car insurance in Georgia

Georgia drivers who don’t have auto insurance could face the following consequences:

  • Suspended vehicle registration
  • Fines of up to $160

Georgia minimum coverage requirements

All drivers must carry at least the following Georgia minimum car insurance coverage:

Bodily injury liability coverage

Georgia drivers must have at least:

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident

Property damage liability coverage

In addition, drivers must have at least $25,000 in property damage liability coverage to pay for another person’s property they damage in an accident.

How to get cheap auto insurance in Georgia

If you want the cheapest car insurance in Georgia, here are a few things you can try:

  • Compare rates from multiple companies. Each insurer evaluates a driver’s application differently, so the only way to know which will offer you the best rate is to get car insurance quotes from several insurers.
  • Claim all discounts you qualify for. Every insurance provider has its own slate of discounts and this can also affect how much drivers pay. Getting car insurance quotes will help drivers identify which insurance discounts they may qualify for, but they can also reach out to the insurer to ask.
  • Choose a higher deductible. A higher car insurance deductible brings greater out-of-pocket costs in the event of a claim, but it also lowers monthly premiums.

Other things to consider when looking for car insurance in Georgia

Here are a few other things drivers should bear in mind when looking for Georgia auto insurance:

Georgia sees a lot of car thefts

Nearly 24,000 vehicles were stolen in Georgia in 2019, according to the Insurance Information Institute. This is the fifth-most in the country. State minimum coverage won’t help you in this situation. If you want your vehicle protected against theft, you must purchase comprehensive car insurance coverage as well. This also insures your vehicle against animal-vehicle collisions, storm damage, and more.

Minimum coverage might not be enough

The state minimum auto insurance coverage is designed to protect other drivers from you. It doesn’t offer you any protection if you cause an accident. Drivers need to add collision coverage if they don’t want to pay out of pocket for their vehicle’s repairs. It’s also a good idea to add uninsured and underinsured motorist coverage. This protects drivers if they’re hit by someone else who doesn’t have insurance or who doesn’t have enough to cover all the damages.