Best Car Insurance in Georgia for 2025 [Review the Top 10 Companies Here] Car Insurance Guide (Cheap Rates + Best Companies)
The companies offering the best car insurance in Georgia are Travelers, Geico, and State Farm, with rates for as low as $24 per month. With over 13% bundling discount, Travelers is renowned for its broad coverage. Geico is recognized for its extensive discounts, while State Farm offers cheap rates.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Jan 23, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
19,116 reviewsCompany Facts
Full Coverage in Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,760 reviewsCompany Facts
Full Coverage in Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviewsKnown for offering cheap rates, discounts, and excellent coverage, Travelers, Geico, and State Farm are the best car insurance in Georgia with rates for only $24/mo.
In addition, these companies offer comprehensive yet affordable premiums ideal for budget-conscious drivers in the area.
Our Top 10 Company Picks: Best Car Insurance in Georgia
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 13% | A++ | Broad Coverage | Travelers |
 | #2 | 25% | A++ | Extensive Discounts | Geico |
 | #3 | 17% | B | Cheap Rates | State Farm |
 | #4 | 20% | A+ | Financial Strength | Nationwide |
 | #5 | 25% | A+ | Comprehensive Options | Allstate |
 | #6 | 25% | A | Personalized Service | American Family |
 | #7 | 20% | A | Flexible Policies | Farmers |
 | #8 | 25% | A | Innovative Discounts | Liberty Mutual |
 | #9 | 10% | A+ | Technology Integration | Progressive |
 | #10 | 10% | A++ | Military Focus | USAA |
Keep reading our car insurance guide below to educate yourself how to save money on your insurance. Enter your ZIP code today to begin comparing the best rates in Georgia.
- Travelers, Geico, and State Farm are the best car insurance in Georgia
- Travelers ranked first, with rates beginning at $24 per month
- Geico and State Farm offer big discounts and affordable rates
#1 – Travelers: Top Overall Pick
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#2 – Geico: Best for Extensive Discounts
#3 – State Farm: Best for Cheap Rates
#4 – Nationwide: Best for Financial Strength
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#5 – Allstate: Best for Comprehensive Option
#6 – American Family: Best for Personalized Service
#7 – Farmers: best for Flexible Policies
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#8 – Liberty Mutual: Best for Innovative Discounts
#9 – Progressive: Best for Technology Integration
#10 – USAA: Best for Military Focus
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Understanding Georgia Car Insurance Coverage and Rates
According to Georgia law, when car owners apply for registration, they must provide proof of liability insurance; this is called a compulsory liability insurance law. The insurance companies themselves are required to submit this information electronically to the Georgia Department of Revenue.
Georgia Car Insurance Monthly Rates by Provider & Coverage
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $66 | $165 |
| $50 | $124 |
| $60 | $149 |
| $24 | $61 |
| $106 | $263 |
| $61 | $152 |
| $46 | $115 |
| $43 | $107 |
| $44 | $110 |
| $29 | $71 |
Liability insurance protects you from liabilities from lawsuits or other claims when you’re at fault in an auto accident. It pays medical and property damage claims for any party you injure in the course of an at-fault accident. While minimum car insurance coverage can be cheap now, not having coverage for your own car can be expensive in the long run.
Car Insurance Discounts From the Top Providers in Georgia
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Anti-Theft, New Car, Good Student, Early Signing |
| Multi-Policy, Good Driver, Loyalty, Good Student, Young Driver, Auto Safety |
| Multi-Policy, Good Driver, Homeowner, Good Student, Business, Senior Drivers |
| Multi-Policy, Good Driver, Anti-Theft Device, Good Student, Military, Federal Employee |
| Multi-Policy, Good Driver, Hybrid Vehicle, Anti-Theft, New Car, Accident-Free |
| Multi-Policy, Safe Driver, Defensive Driving, Accident-Free, Good Student |
| Multi-Policy, Safe Driver, Continuous Insurance, Snapshot Program, Good Student |
| Multi-Policy, Accident-Free, Good Driver, Good Student, Vehicle Safety, Steer Clear Program |
| Multi-Policy, Safe Driver, Homeownership, Green Home, New Car, Good Student |
| Multi-Policy, Good Driver, Safe Driver, Military Affiliation, Good Student, Loyalty |
There are two types of liability insurance drivers have to carry. The first of these is bodily injury liability coverage. This liability insurance covers the medical portion of an at-fault accident for the other party.
The other type of insurance is property damage liability. This type of insurance covers the other party’s property damage, whether that be another car, a house, another structure, or something else.
In regard to the requirements for liability insurance, Georgia requires that bodily injury liability covers at least $25,000 for an injury or death of any single person in an accident you cause, $50,000 for death of more than one person in an accident, and $25,000 in property damage in an accident you caused.
Georgia Auto Insurance Monthly Rates by Coverage Level for Top Providers
Insurance Company Low Medium High
$323 $355 $375
$267 $292 $333
$308 $342 $375
$230 $249 $265
$803 $833 $877
$528 $550 $543
$343 $369 $412
$264 $282 $300
$292 $317 $350
$251 $262 $276
Some people choose to carry higher liability limits on their auto policies. If your limits do not cover the amount needed in an accident, the other driver or party could sue you to make up the difference.
Collision Coverages Cost in Georgia
Liability insurance does not include your injuries or vehicle damage. To do this, you must purchase collision insurance.
Many insurers recommend comprehensive coverage to cover your auto damage in non-collision incidents. Collision insurance in Georgia covers repairs and replacements to your car if it is damaged in a collision.
Georgia Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Atlanta | $20,000 | $15,000 |
| Augusta | $4,500 | $3,800 |
| Columbus | $4,000 | $3,500 |
| Macon | $3,000 | $2,700 |
| Savannah | $5,000 | $4,000 |
Another type of insurance in Georgia that you should know about is comprehensive insurance. Comprehensive insurance helps repair or replace a vehicle that has been stolen or damaged by vandalism, a storm, or something of a similar ilk.
Your collision rates will depend on things like the amount of coverage you want and your driving record. Clean driving records go a long way.
5 Most Common Auto Insurance Claims in Georgia
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 30% | $3,500 |
| Comprehensive | 25% | $2,800 |
| Uninsured Motorist | 20% | $4,200 |
| Bodily Injury | 15% | $15,000 |
| Property Damage | 10% | $5,000 |
Auto insurance companies also account for credit score, age, other policies you have with them, and many other factors. This information is crucial to understanding how to buy car insurance because, as the adage goes, knowledge is power.
By learning what you can about car insurance and the costs of car insurance in Georgia and the rest of the country, you can make an intelligent, well-informed decision when you select your insurance.
Finding the right car insurance can feel overwhelming, especially with so many options and coverage types to consider. That’s why we’re here—to simplify it and help you find the best fit for your needs.Kristine Lee Licensed Insurance Agent
We are here to help you find the cheapest possible options as quickly as possible and to educate you in simple, clear language about car insurance. Compare quotes today by entering your ZIP code.
Average Monthly Car Insurance Rates by Age and Gender in GA
Gender is a factor when calculating car insurance in Georgia. And while it is illegal in some states to factor gender into car insurance rates, it’s still legal in Georgia. Gender and age play a big role in insurance rates for many leading companies.
Georgia Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female ($) | Age: 17 Male ($) | Age: 25 Female ($) | Age: 25 Male ($) | Age: 35 Female ($) | Age: 35 Male ($) | Age: 60 Female ($) | Age: 60 Male ($) |
|---|---|---|---|---|---|---|---|---|
| $410 | $435 | $185 | $205 | $150 | $165 | $140 | $155 |
| $390 | $420 | $180 | $200 | $145 | $160 | $135 | $150 |
| $405 | $440 | $190 | $210 | $155 | $170 | $145 | $160 |
| $375 | $400 | $170 | $190 | $135 | $150 | $125 | $140 |
| $420 | $450 | $195 | $215 | $160 | $175 | $150 | $165 |
| $395 | $425 | $185 | $205 | $150 | $165 | $140 | $155 |
| $400 | $430 | $180 | $200 | $140 | $155 | $130 | $145 |
| $370 | $390 | $165 | $185 | $130 | $145 | $120 | $135 |
| $385 | $415 | $175 | $195 | $140 | $155 | $130 | $145 |
| $350 | $375 | $160 | $180 | $125 | $140 | $115 | $130 |
Some interesting data to note from this table are the highest rankings. The consistently highest insurance rankings are for male and female teen drivers. In these top rankings, males and females usually alternate consistently as the list goes down.
The highest insurance ranking is for a single, 17-year-old male with Safeco Ins Co of IL insurance. The cheapest insurance is for a married, 60-year-old female with USAA insurance. Marital status consistently influences the cost of one’s insurance.
Georgia Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $150 | $180 | $210 | $250 |
| $140 | $170 | $200 | $240 |
| $145 | $175 | $205 | $245 |
| $120 | $150 | $180 | $220 |
| $160 | $190 | $220 | $270 |
| $130 | $160 | $190 | $230 |
| $135 | $165 | $195 | $235 |
| $125 | $155 | $185 | $225 |
| $140 | $170 | $200 | $240 |
| $110 | $140 | $170 | $210 |
The Quadrant Data includes rates for high-risk drivers, as well as drivers who choose to purchase more than their state minimum. They also purchase other types of insurance coverage, such as uninsured/underinsured insurance, PIP, and MedPay, that aren’t required by law.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Best Georgia Car Insurance Companies
Finding car insurance is quite a hassle for many people. There are innumerable insurance companies out there that seem to be the same, and most people who aren’t familiar with insurance can get confused by many of the coverages offered and by insurance jargon.
Georgia Car Insurance Rates by Company vs. State Average
| Insurance Company | Percentage Difference from State Average |
|---|---|
| -18% |
| -67% |
| +23% |
| -10% |
 | +51% |
| -47% |
| -57% |
Fortunately for you, Georgia residents, we’re here to help you. We’re going to give you the top insurance companies in Georgia so you can easily find the best car insurance for you.
We’ll show you each company’s rating, the companies with the best ratings, the companies with the most complaints, the cheapest companies, and a lot of other information that will make it that much easier for you to find car insurance. Enter your ZIP code now to see the best ratings.
Frequently Asked Questions
Which companies offer the most affordable auto coverage options for drivers in Georgia?
The best car insurance Georgia providers include Travelers, Geico, and State Farm, offering affordable options tailored to the state’s requirements.
How can Georgia drivers maximize discounts when purchasing car insurance?
Georgia residents can use tools like car insurance quotes GA and auto insurance quotes Georgia to compare rates and unlock maximum discounts. Enter your ZIP code now to view other rates.
What are the required liability limits for auto insurance in Georgia?
The state minimum liability limits for car insurance quotes in Georgia are $25,000 per person, $50,000 per accident, and $25,000 for property damage. To see more details, explore our car insurance quotes, tips, and savings.
How do age and gender impact monthly auto insurance premiums in Georgia?
Age and gender significantly influence the average car insurance in Georgia, with younger drivers and males generally paying more.
What factors contribute to a provider being considered top-rated for insurance in Georgia?
The best car insurance Georgia providers stand out due to affordable rates, excellent coverage, and customer satisfaction. Enter your ZIP code now.
Are there specific coverage types that Georgia residents should consider beyond the state minimum?
To go beyond the state minimum, residents should explore comprehensive policies from the top auto insurance companies in Georgia to protect against collisions and theft.
Read More: How the States Rank on Uninsured Drivers
How do bundling policies affect car insurance rates in Georgia?
Bundling home and auto policies with car insurance companies in Georgia can yield significant savings.
What are the primary benefits of choosing companies like Geico, Travelers, or State Farm for coverage in Georgia?
Companies like Travelers and Geico are among the best Georgia GA car insurance quote providers for their low premiums and diverse discounts. Enter your ZIP code now to compare other providers.
How does a clean driving record influence car insurance costs in Georgia?
Clean driving record can lead to the best car insurance rates in Georgia, even in areas like Cordele, Vidalia, or Stone Mountain. View our “Dollar-a-Day Insurance Coverage” for more details.
What coverage options are best for high-risk drivers or those with a history of claims in Georgia?
For those with a history of accidents, car insurance for high-risk drivers in Georgia from specialized auto insurers in Georgia offers tailored solutions, although premiums might be higher.