Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Author profile picture

Mark Friedlander

Director, Corporate Communications, Insurance Information Institute

Mark Friedlander has over 30 years of experience in the insurance industry. He is the Director, Corporate Communications, at the Insurance Informatio…

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Georgia car insurance quotes

Car insurance in Georgia costs $991 for a 6-month policy — 13% more expensive than than the national average rate. While not always recommended, drivers in Georgia looking for the cheapest coverage can drop to liability coverage for $370 for a 6-month policy.

Our agents and insurance experts analyzed Georgia car insurance quotes across different coverage levels, driving histories and companies to find you the best policy.

Continue reading to find out how much auto insurance costs in Georgia so you know what's fair for your situation. If you're ready to see how much you can save by shopping around, submit your ZIP code above to get personalized auto insurance quotes from top companies.

The best car insurance in Georgia — The Zebra's picks

Here are the top three car insurance companies in Georgia, according to third-party customer satisfaction ratings from J.D. Power.

Alfa insurance logo
Alfa Insurance: Best Customer Service in GA

Alfa Insurance received a score of 851 (out of 1,000) in J.D. Power's 2023 U.S. Auto Insurance Study, the highest for the Southeast region. For those eligble, USAA also topped J.D. Power's auto study.

State Farm logo
Nationwide: Cheapest full coverage in GA

Nationwide offered the cheapest full coverage insurance in Georgia at $119/mo

State Farm logo
GEICO: Cheapest liability coverage in GA

GEICO offered the cheapest liability insurance coverage in Georgia at $60/mo. If you are eligble, USAA offers cheaper coverage at $50/mo.

It's definitely a good idea to start your search with our picks, but there are many other great options for car insurance coverage in Georgia that could be a great fit. Below you'll find some of the other top insurance companies in Georgia as well as their average costs for a full coverage policy.

Most popular car insurance companies in Georgia
Company Avg. Annual Premium
Nationwide $1,439
Georgia Farm Bureau $1,466
USAA $1,518
Allstate $1,643
Progressive $1,861
State Farm $1,897
GEICO $3,298

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Compare Georgia car insurance quotes and companies with The Zebra

Location pin icon
No junk mail. No spam calls. Free quotes.

Key takeaways for GA drivers

  • Georgia drivers pay $991 for a 6-month policy — about 13% more expensive than the national average.
  • 49% of drivers in Georgia carry liability coverage — 51% carry full coverage
  • Cheapest company for liability-only car insurance is GEICO
  • 39% of drivers Georgia believe they are overpaying for car insurance.

Cheap liability coverage in Georgia

Your selected coverage level significantly impacts the amount you pay. In Georgia, the typical cost for liability coverage stands at $370 for a regular 6-month policy. The following table displays yearly rates from leading insurance providers in Georgia for liability coverage.

Company Avg. Annual Premium
USAA $590
Georgia Farm Bureau $598
GEICO $726
State Farm $732
Allstate $741
Progressive $804
Nationwide $849

Georgia state minimum coverage

Based on our records, 49% of drivers in Georgia opt for just liability insurance for their cars. Even though choosing the most basic coverage in Georgia might seem appealing, many insurance experts suggest that it's not the most prudent decision because it leaves both you and your car vulnerable. In order to drive legally in the state of Georgia, you must carry at least the minimum liability limits listed below:

  • Bodily injury: $25,000 per person
  • Bodily injury: $50,000 per accident
  • Property damage: $25,000 per accident

Cheap full coverage car insurance in Georgia

In Georgia, a full coverage policy with $500 deductibles for both comprehensive and collision coverage is priced at $991. The following displays yearly rates from the top insurance providers in Georgia for such coverage.

Company Avg. Annual Premium
Nationwide $1,439
Georgia Farm Bureau $1,466
USAA $1,518
Allstate $1,643
Progressive $1,861
State Farm $1,897
GEICO $3,298

About 51% of drivers in Georgia insure their vehicles with full coverage. While the exact definition may vary, full coverage usually consists of comprehensive and collision coverage as well as:

If you opt for a higher tier of coverage, you can choose a policy with comprehensive and collision. These coverages will protect against the costs of car accidents, theft, vandalism, or weather incidents. Keep in mind that better coverage comes with a higher cost: in Georgia, a full coverage insurance policy with a $500 deductible costs $991 compared to $370 for liability-only coverage.

Cheap auto insurance for young drivers in Georgia

Young drivers — aged between 16 and 25 — have a hard time finding cheap car insurance in Georgia. In Georgia, teens pay $5,760 per year, which is more than $4,231 than the national average and over three times as much as a 30-year-old Georgia driver.

Cheapest insurance companies in GA for young drivers
Company Avg. Annual Premium
Georgia Farm Bureau $4,073
USAA $4,371
Nationwide $5,172
Allstate $5,666
GEICO $7,077
State Farm $7,278
Progressive $8,714

Find the best coverage and price in Georgia with The Zebra

Location pin icon
No junk mail. No spam calls. Free quotes.

Georgia auto insurance costs after an accident or ticket

Finding affordable car insurance in Georgia following an accident can be challenging. Insurers evaluate past accidents and tickets to determine the risk you present as a policyholder. A recent at-fault accident might lead to your car insurance rates rising up to approximately $755 annually.

Here's what leading insurance providers in Georgia might charge you after being at fault in an accident.

Best insurance companies in GA after at-fault accident
Company Avg. Annual Premium
Georgia Farm Bureau $1,794
USAA $2,173
Nationwide $2,387
Allstate $2,498
State Farm $2,639
Progressive $3,142
GEICO $4,315

Zebra Tip: Look for a safe driving discount

Besides offering a more affordable premium, certain companies provide safe driving discounts. The discount amount can differ depending on the company, but it typically ranges from 5% to 10%.

In Georgia, a bad driving record can cause your rates to skyrocket. Getting a ticket or citation is likely to raise your car insurance premiums. The extent of the increase is influenced by the nature of the violation, your insurance company's pricing criteria, and varying local insurance rules and risks. This is why the effect of tickets on insurance might differ in your state from the national average.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
One Med/PIP claim $1,982 0% $0
None $1,982 0% $0
Two Med/PIP claims $1,989 0% $8
One comp claim $1,994 1% $13
Not-at-fault accident $1,996 1% $15
Two comp claims $2,029 2% $47
Driving without lights $2,240 13% $258
Failure to wear a seat belt $2,255 14% $273
Child safety restraint $2,261 14% $280
Failure to show documents $2,318 17% $337
Driving with expired registration $2,408 22% $427
Speeding 6 - 10 MPH over limit $2,471 25% $489
Speeding in school zone $2,471 25% $489
Driving too slowly $2,471 25% $489
Texting while driving $2,477 25% $495
Cell phone violation $2,477 25% $495
Speeding 11 - 15 MPH over limit $2,478 25% $496
Illegal turn $2,485 25% $503
Following too closely $2,485 25% $503
Failure to yield $2,485 25% $503
Speeding 16 - 20 MPH over limit $2,490 26% $508
Improper passing $2,492 26% $510
Failure to stop at a red light $2,492 26% $510
Wrong way/wrong lane $2,499 26% $517
Speeding 21 - 25 MPH over limit $2,586 30% $604
Passing school bus $2,605 31% $623
Operating a vehicle without permission $2,631 33% $650
At-fault accident - less than $1000 $2,643 33% $661
Open container $2,778 40% $796
At-fault accident - $1000-$2000 $2,843 43% $862
At-fault accident - greater than $2000 $2,864 45% $882
In 65 MPH zone $2,876 45% $895
Reckless driving $3,430 73% $1,449
Racing $3,506 77% $1,525
Refusal to submit to a chemical test $3,670 85% $1,689
Driving with a suspended license $3,672 85% $1,691
DUI $3,713 87% $1,732
Leaving scene of an accident/hit and run $3,811 92% $1,830

The Zebra's guide to Georgia car insurance laws

Car insurance is required in almost every state, including Georgia. Georgia mandates every driver to carry a certain amount of coverage to drive and even park on public roads.

Learn more about car insurance requirements in the state of Georgia with our helpful guide.

Georgia DUI laws

If you get a DUI in Georgia, this violation can increase your auto insurance premium by 87%. It can be a challenge to find affordable car insurance with a recent DUI on your record, as it often triggers a larger uptick in premium costs than many other citations.

Low-cost car insurance after a DUI in Georgia

It’s integral to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Georgia. Car insurance premiums following a DUI can vary substantially by insurance company. For example, the least expensive car insurance company with a DUI in Georgia, Auto-Owners, advertises annual rates 43% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Georgia is Allstate, while the most expensive is GEICO, with prices 61% above average.

Company Avg. Annual Premium
Allstate $2,207
Progressive $2,740
Nationwide $2,931
Georgia Farm Bureau $2,965
USAA $3,070
State Farm $3,340
GEICO $5,987

Georgia SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Georgia to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Georgia might require some research, but it could pay off in the end.


How to acquire an SR-22 in Georgia

For currently insured drivers

If you already have an active auto insurance policy, requesting an SR-22 is fairly straightforward. Contact your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.


For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.


For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.

Find an affordable policy in Georgia in minutes!

Location pin icon
No junk mail. No spam calls. Free quotes.

Car insurance costs trends in Georgia

In Georgia, average annual auto insurance costs decreased by just $4 in the past year. A typical Georgia driver pays an average of $991 for a 6-month policy.

Year over year pricing trends in Georgia tends to be more volatile compared to rates across the United States. The steepest decrease occurred from 2012 to 2013, while the highest surge took place from 2011 to 2012. In recent years, premiums in Georgia have somewhat stabilized.

Year Avg. Annual Premium — Georgia Yearly Change — Georgia Avg. Annual Premium — US Yearly Change — US
2021 $1,535 -$4 $1,529 $46
2020 $1,539 -$65 $1,483 -$61
2019 $1,604 $10 $1,544 $23
2018 $1,594 $152 $1,521 $84
2017 $1,442 $140 $1,437 $69
2016 $1,302 $141 $1,368 $88
2015 $1,161 -$65 $1,280 $51
2014 $1,226 $70 $1,229 $34
2013 $1,156 -$622 $1,195 -$80
2012 $1,778 $423 $1,276 $82

If your premiums are increasing more rapidly than the state's average, it's time to explore other options. The Zebra's auto insurance comparison tool provides tailored quotes for your unique profile. Simply input your ZIP code below to begin.

Georgia car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Georgia auto insurance.

Auto-Owners has the cheapest rates in Georgia at $96 per month for a full coverage policy. Nationwide and Georgia Farm Bureau also offer rates that are lower than average. The best way to find the cheapest car insurance in Georgia is to compare auto insurance quotes from as many companies as possible.

The average quote in Georgia for full coverage is $767/6-month policy, or $128 per month. The cheapest option, liability-only, is $370 for a 6-month policy.

Georgia's average premium ($1,535/year) is comparable with the nation's average ($1,529), costing just $6 more.

In order to legally drive your car on public roads, the state of Georgia requires you carry at least liability coverage. If you're leasing or financing your vehicle, additional coverages like comprehensive and collision are usually required.

Save money on your next car insurance policy!

Location pin icon
No junk mail. No spam calls. Free quotes.


Other people are also asking...

Do I need to unfreeze my credit to get a quote?

You should be able to get preliminary rates with your credit still frozen. However, in order to run all of the reports (credit, claims history, violation history, etc.) and finalize your auto insurance rates, many carriers will require a credit check which would require you to unfreeze your credit.…
Jul 22, 2022 Atlanta, GA

If I'm no longer driving my car in Georgia, do I have to carry insurance and registration on the car?

No, in Georgia you don't have to keep car insurance for a vehicle that you are no longer driving, but you will more than likely be required to cancel the vehicle's registration. Canceling your registration should not affect your ability to sell the vehicle, but just to be sure I would con…
Sep 27, 2016 Kennesaw, GA

I got into an accident by I'm not on the insurance

It would depend whether or not you live with your mom. Insurance companies like for anyone who lives with the insured either be added or excluded from the insurance policy. This is because, if you live with someone, the likelihood of sharing vehicles is quite high and insurance companies want to kn…
Jan 29, 2018 Newnan, Georgia

Is there a grace period for buying car insurance in GA from private seller?

While all cars need to be registered and insured by law in Georgia, the amount of time you are allowed to drive a new vehicle before adding it to your car insurance policy depends heavily on who you are insured by: some companies give you 30 days, some don't even offer a grace period. Therefor…
Apr 5, 2018 Snellville, GA

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.