Cheapest Car Insurance Quotes in Georgia (Best Rates in 2025)
Farm Bureau has the cheapest car insurance in Georgia, at $111 per month for full coverage.
Find Cheap Auto Insurance Quotes in Georgia
Best cheap car insurance in Georgia
How we chose the top companies
Best and cheapest car insurance in Georgia
- Cheapest full coverage: Farm Bureau, $111/mo
- Cheapest minimum liability: Farm Bureau, $47/mo
- Cheapest for young drivers: Farm Bureau, $156/mo
- Cheapest after a ticket: Farm Bureau, $122/mo
- Cheapest after an accident: Farm Bureau, $122/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Farm Bureau, $172/mo
- Cheapest after a DUI: Farm Bureau, $215/mo
- Cheapest for poor credit: Farm Bureau, $111/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farm Bureau and Auto-Owners both have good customer service and cheaper-than-average rates. However, neither company offers online quotes. You'll need to contact an agent to compare rates.
Geico has the cheapest online quotes in Georgia. However, the company is significantly more expensive than Farm Bureau or Auto-Owners for many people.
Cheapest car insurance in GA: Farm Bureau
Farm Bureau has the cheapest car insurance in Georgia for most people.
At $111 per month, a full coverage policy from Farm Bureau is $72 per month less than the state average. The average cost of car insurance in Georgia is $183 per month for full coverage.
Find Cheap Auto Insurance Quotes in Georgia
However, you have to speak with an agent to get a quote from Farm Bureau — the company doesn't offer quotes online.
Drivers looking to get a quote and buy a policy quickly can find the cheapest online rates at Geico. Full coverage insurance from Geico costs around $194 per month. However, that's $11 per month higher than the Georgia average.
Cheapest full coverage car insurance in Georgia
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $111 |
| Auto-Owners | $149 |
| Geico | $194 |
| State Farm | $198 |
| Progressive | $244 |
*USAA is only available to current and former military members and their families.
Best cheap liability-only car insurance Georgia: Farm Bureau
Farm Bureau has the cheapest quotes for liability-only auto insurance in Georgia.
At $47 per month, coverage from Farm Bureau costs $33 per month less than the state average. The average cost of car insurance in Georgia is $80 per month for minimum liability coverage.
Cheap liability quotes in GA
Company | Monthly rate |
|---|---|
| Farm Bureau | $47 |
| Auto-Owners | $55 |
| Geico | $81 |
| Progressive | $84 |
| State Farm | $106 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Georgia
Geico has the cheapest online quotes for liability-only coverage, at $81 per month. However, that's $34 per month more than a policy from Farm Bureau. So it's worthwhile to call or email a local Farm Bureau agent to compare rates.
Best cheap car insurance in GA for young drivers: Farm Bureau
Farm Bureau offers the most affordable rates for young drivers in Georgia.A liability-only policy from Farm Bureau costs $156 per month for an 18-year-old driver. That's around half the Georgia average.
Farm Bureau also has the cheapest full coverage rates for teens. At $354 per month, full coverage from Farm Bureau costs $281 per month less than the state average.
Drivers with military ties can get even cheaper rates at USAA. But it's only available if you're a military member or veteran, you have a parent with USAA coverage or you have certain other military connections.
Affordable GA insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $156 | $354 |
| Auto-Owners | $215 | $423 |
| Geico | $284 | $611 |
| State Farm | $353 | $616 |
| Progressive | $447 | $1,179 |
*USAA is only available to current and former military members and their families.
Auto insurance quotes in Georgia are typically more than three times higher for an 18-year-old driver than a 30-year-old driver. That's because young drivers have less experience, so they're more likely to cause an accident
Younger drivers can save hundreds of dollars on car insurance if they share a policy with a parent.
Cheap auto insurance in GA after a ticket: Farm Bureau
Farm Bureau has the cheapest full coverage insurance in Georgia for drivers with a speeding ticket, at $122 per month. That's $92 per month less than the statewide average.
Best cheap insurance in GA after a speeding ticket
Company | Monthly rate |
|---|---|
| Farm Bureau | $122 |
| Auto-Owners | $149 |
| State Farm | $212 |
| Geico | $235 |
| Allstate | $288 |
*USAA is only available to current and former military members and their families.
On average, Georgia drivers with a speeding ticket pay 16% more for full coverage insurance than for those with a clean record. That's because insurance companies believe drivers with a ticket are more likely to cause an accident in the future.
Cheap Georgia auto insurance after an accident: Farm Bureau
Farm Bureau has the cheapest quotes for Georgia drivers with an accident on their records. Full coverage insurance from Farm Bureau costs $122 per month. That's less than half the average cost of car insurance after an accident in Georgia, which is $269 per month.
Affordable car insurance in Georgia after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $122 |
| State Farm | $198 |
| Auto-Owners | $214 |
| Geico | $347 |
| Allstate | $406 |
*USAA is only available to current and former military members and their families.
In Georgia, average rates increase by 47% after an at-fault accident. Auto insurance quotes go up after an accident because insurance companies think drivers are more likely to get into another accident.
Cheapest for teens after a ticket or accident: Auto-Owners
Farm Bureau has the cheapest liability-only quotes for young drivers in Georgia with a recent speeding ticket or accident. The average rate for both is $172 per month. That's less than half the average cost of insurance for teens with bad driving records in Georgia.
Best car insurance for 18-year-olds after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $172 | $172 |
| Auto-Owners | $215 | $343 |
| Geico | $335 | $393 |
| State Farm | $384 | $353 |
| Progressive | $496 | $535 |
*USAA is only available to current and former military members and their families.
Young drivers in Georgia can expect their car insurance rates to go up by 15% after a speeding ticket or 31% after an at-fault car accident, on average.
Best car insurance quotes in GA after a DUI: Farm Bureau
Farm Bureau has the best low-cost auto insurance in Georgia for drivers with one DUI. A full coverage policy from Farm Bureau costs $215 per month after a DUI, which is $153 per month less than the state average.
Affordable auto insurance in Georgia after a DUI
Company | Monthly rate |
|---|---|
| Farm Bureau | $215 |
| Auto-Owners | $284 |
| Progressive | $332 |
| Allstate | $348 |
| State Farm | $547 |
*USAA is only available to current and former military members and their families.
Driving under the influence raises your insurance rates more than almost any other ticket. Car insurance prices more than double in Georgia after a DUI.
In addition, Georgia drivers with a DUI may need SR-22 insurance. An SR-22 filing typically costs between $15 and $50, on top of the increase in your insurance rates.
Cheap insurance in GA for drivers with poor credit: Farm Bureau
Farm Bureau offers the cheapest Georgia car insurance quotes for drivers with low credit scores. At $111 per month for a full coverage policy, Farm Bureau's rate is significantly less than the state average of $368 per month.
Cheapest GA car insurance quotes for poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $111 |
| Geico | $278 |
| Progressive | $372 |
| Auto-Owners | $391 |
| Allstate | $426 |
*USAA is only available to current and former military members and their families.
Georgia drivers with poor credit pay twice as much for full coverage insurance as people with good credit scores.
Having a poor credit score doesn't necessarily mean you're a bad driver. But, it does impact your car insurance rates in Georgia. Car insurance companies believe that people with low credit scores make more claims, which makes them more expensive to insure.
Best car insurance in Georgia
USAA is the best car insurance company in Georgia because of its excellent customer service and affordable rates.
However, USAA is only available to military members, veterans and some of their family members.
Farm Bureau is the best choice for Georgia drivers who can't get USAA insurance. Farm Bureau offers a great mix of dependable customer service, coverage availability and affordable rates.
Top car insurance companies in Georgia
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Farm Bureau | 673 | A | |
| Auto-Owners | 654 | A++ | |
| Geico | 637 | A++ |
Drivers in Georgia can also find reliable customer service from State Farm. However, State Farm's rates are typically much more expensive than Farm Bureau and USAA.
Average car insurance cost in Georgia by city
Moody Air Force Base, located near Valdosta, has the cheapest auto insurance in GA.
A full coverage policy at Moody Air Force Base costs an average of $143 per month.
Clarkston, a small city often referred to as "the most diverse square mile in America", has the most expensive rates in the state. At $289 per month, a full coverage policy in Clarkston costs twice what drivers at Moody Air Force Base pay for insurance. This is likely because Clarkston has much higher auto theft rates than other parts of Georgia.
Cheap Georgia car insurance near you
City | Monthly rate | % from average |
|---|---|---|
| Abbeville | $169 | -7% |
| Acworth | $199 | 9% |
| Adairsville | $178 | -2% |
| Adel | $151 | -17% |
| Adrian | $176 | -3% |
Georgia liability insurance requirements
Georgia drivers must have a minimum amount of liability insurance to drive legally, which is sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000
What's the best car insurance to get in Georgia?
Full coverage is the best insurance for most people, despite the extra cost.
That's because full coverage insurance includes liability coverage plus comprehensive and collision coverage, which pay for damage to your car in nearly any kind of accident.
Most lenders require you to have full coverage insurance if you have a car loan or lease. In addition, it's a good idea to get full coverage car insurance if your car is worth more than $5,000 or is newer than eight years old.
Most drivers should also get more liability insurance than the state of Georgia requires. That's because the minimum required limits may not be enough to cover the cost of a serious accident.
For example, if you crash into and total a new Tesla, $25,000 probably won't be enough money to replace it.
Frequently asked questions
Who has the cheapest car insurance in Georgia?
Farm Bureau has the cheapest car insurance quotes in Georgia. A minimum liability policy from Farm Bureau costs $47 per month, while full coverage costs $111 per month.
How much is car insurance in Georgia?
The average cost of car insurance in Georgia is $183 per month for a full coverage policy. The average cost for a minimum liability policy is $80 per month.
Why is car insurance so expensive in Georgia?
Full coverage car insurance in Georgia is only 4% more expensive than the national average. But its minimum liability rates are 16% more expensive than average. This is partially because Georgia has more car accidents than many other states.
How can I lower my car insurance in Georgia?
The best way to lower your car insurance rates is by comparing quotes from multiple companies. In Georgia, there's a difference of $141 per month between the most and least expensive full coverage car insurance. That could add up to a savings of nearly $1,700 per year.
You can also save money by asking about discounts and adjusting your car insurance coverage and deductible.
What is the minimum car insurance required in Georgia?
Georgia drivers need at least $25,000 of bodily injury liability coverage per person and $50,000 per accident. You also need at least $25,000 of property damage liability coverage. Georgia does not require personal injury protection or uninsured motorist coverage.
Methodology
To find the best cheap auto insurance in GA, ValuePenguin collected thousands of quotes from ZIP codes across Georgia from some of the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit and a clean driving record who owns a 2015 Honda Civic EX.
Full coverage quotes include:
- $50k of bodily injury liability coverage per person, and $100k per accident
- $25k of property damage liability
- $50k of bodily injury uninsured motorist coverage per person, and $100k per accident
- $25k of uninsured motorist coverage for property damage
- Collision and comprehensive coverage with a $500 deductible
Rate data for this study was collected from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.