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According to the United States Census Bureau, Georgia has the eighth-highest population of any state in the country, with over 10.5 million residents as of 2018. The state had almost 7 million registered drivers in 2016, according to U.S. Department of Transportation Federal Highway Administration data. Population is only one of the factors that can directly or indirectly affect the cost of auto insurance, but it serves as an interesting starting point to see how the cost of car insurance in Georgia compares to other states.

Data gathered by Quadrant Information Services for US News shows that Georgia residents pay an average annual insurance rate of $1,523.66. Though the state you live in plays a role in the price you can expect to pay for car insurance, there are a lot of other factors as well. These include things like your age, gender, whether you live in an urban area or a rural one, the age and type of vehicle you drive, and your driving habits and record. We’ll take a closer look at some of these factors and how they affect the cost of auto insurance for Georgia residents.

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Cheapest Car Insurance Companies in Georgia

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Georgia

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Georgia?

See the Cheapest Car Insurance Companies

According to our study data, Georgia driver profiles are likely to have the highest auto insurance rates with Nationwide, which comes in with an average representative rate of $2,297.23, followed by Allstate, Progressive, and State Farm with representative average rates of $1,925.35, $1,398.99, and $1,397.81, respectively. Finally, USAA’s average representative rate is $1,084.88 and Geico’s average representative rate is the cheapest at $1,037.71.

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Georgia Car Insurance Rates by Age

To find which car insurance company offers the lowest rates in Georgia, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included males and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

According to our study data, 60-year-old driver profiles pay the lowest average car insurance rates in Georgia. In general, rates for that age group were lower than the other age groups in the study, with representative averages of $1,373.21 for the male profile in that age group and $1,318.50 for the female profile in that age group. The highest representative average rates in this group according to study data were from Nationwide, coming in at $2,244.09 for the male profile and $1,995.69 for the female profile, and the lowest representative average rates were from Geico, coming in at $865.06 for both the male and female profiles.

The rates for the 35-year-old male and female profiles came close, with representative averages of $1,416.09 for the male profile in this age group and $1,428.89 for the female profile. According to study data, Nationwide had the highest average representative rates for this age group, with $2,109.53 as the representative rate for the male profile and $2,024.63 as the average representative rate for the female profile. With study rates of $898.60 and $916.44 for the male and female profiles, respectively, Geico offers the cheapest insurance for this age group.

Study rates for the 25-year-old driver profiles were higher by a couple hundred dollars or more, with average representative rates coming in at $1,883.49 for the male profile and $1,721.78 for the female profile in this age group. Nationwide has the highest average study rates in this group according to our data, coming in at $2,835.39 for the male profile and $2,574.04 for the female profile. USAA’s average representative rates for these driver profiles are the lowest, $1,360.67 and $1,236.79 for the male and female profiles, respectively.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$2,250.49

$2,062.50

$1,846.27

$1,846.27

$1,773.27

$1,773.27

Geico

$1,438.16

$1,242.94

$898.60

$916.44

$865.06

$865.06

Nationwide

$2,835.39

$2,574.04

$2,109.53

$2,024.63

$2,244.09

$1,995.69

Progressive

$1,787.89

$1,701.44

$1,249.95

$1,393.26

$1,169.03

$1,092.38

State Farm

$1,628.36

$1,512.99

$1,381.42

$1,381.42

$1,241.32

$1,241.32

USAA

$1,360.67

$1,236.79

$1,010.77

$1,011.29

$946.47

$943.28

Georgia Car Insurance Rates by Annual Mileage

Annual mileage is another factor in the Quadrant Information Services study. To find the average rates in our study based on mileage, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. The study provided average rates for these six auto insurance companies based on two average annual commuting distances: 6,000 miles and 12,000 miles.

The average representative rate for the lower mileage profile is $1,465.00 and the average representative rate for the higher mileage profile is $1,523.66. Study data showed that Nationwide, Progressive, and State Farm had the same average representative rates for our driver profiles regardless of the annual miles accumulated. Nationwide’s representative rates came in the highest for both profiles at $2,297.23, while Geico had the lowest average representative rates, at $944.90 for the lower mileage profile and $1,037.71 for the higher mileage profile.

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,768.82

$1,925.35

Geico

$944.90

$1,037.71

Nationwide

$2,297.23

$2,297.23

Progressive

$1,398.99

$1,398.99

State Farm

$1,397.81

$1,397.81

USAA

$982.28

$1,084.88

Georgia Car Insurance Rates by Coverage Level

Next, the study broke down coverage into three levels: low, medium, and high. We created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

In every case, each of the six auto insurance companies studied in Georgia charged progressively more for each tier of insurance, which is a reasonable expectation. According to study data, the average representative rate for low coverage in Georgia is $1,416.48, which increases to $1,523.66 for medium coverage, and $1,620.84 for high coverage. USAA showed the smallest increases for each tier of insurance, going from a representative average rate of $1,037.68 for low coverage to $1,084.88 for medium coverage and $1,154.01 for high coverage.

Company

Low

Medium

High

Allstate

$1,724.12

$1,925.35

$2,067.42

Geico

$948.72

$1,037.71

$1,117.78

Nationwide

$2,180.48

$2,297.23

$2,328.71

Progressive

$1,313.58

$1,398.99

$1,545.41

State Farm

$1,294.33

$1,397.81

$1,511.74

USAA

$1,037.68

$1,084.88

$1,154.01

Georgia Car Insurance Rates by Credit Score

Credit history is another factor that can affect car insurance premiums. Our study reviewed the effects of credit score on car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

For each of the six companies in the study, customers with good credit history paid the lowest rates, customers with fair credit history paid more, and customers with poor credit history paid the highest rates, with one exception. Geico showed the same representative average rates for driver profiles with good and fair credit. Average representative rates across the state were $1,523.66 for good credit, $1,758.76 for fair credit, and $2,454.33 for poor credit. In general, driver profiles with poor credit in Georgia pay considerably more for auto insurance than those with good credit. Consumers with poor credit should really take the time to shop around, because the differences in rates can be huge.

Company

Good

Fair

Poor

Allstate

$1,925.35

$2,154.71

$3,118.75

Geico

$1,037.71

$1,037.71

$1,428.79

Nationwide

$2,297.23

$2,592.11

$3,149.89

Progressive

$1,398.99

$1,753.89

$2,401.51

State Farm

$1,397.81

$1,756.19

$2,801.91

USAA

$1,084.88

$1,257.96

$1,825.16

Georgia Car Insurance Rates by Driving Record

A profile's driving record has a large impact on insurance rates, according to our study. To find out just how much driving record impacts insurance costs, we compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Average representative rates, based on study data, came in at $1,523.66 for driver profiles with a clean record, $1,864.24 with one speeding violation, $2,399.75 with one accident, and $2,897.69 with a single DUI. In half the cases, driver profiles with a single DUI paid the highest average rates, while driver profiles with one accident paid the highest average rates in the other cases. Nationwide, Geico, and USAA showed the higher representative rate for the driver profile with a DUI, while Allstate, Progressive, and State Farm showed the higher representative rate for the driver profile with one accident.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,925.35

$2,024.78

$3,028.48

$2,415.76

Geico

$1,037.71

$1,108.59

$1,474.63

$3,275.89

Nationwide

$2,297.23

$3,339.14

$3,324.59

$6,008.34

Progressive

$1,398.99

$1,939.01

$3,418.08

$1,990.89

State Farm

$1,397.81

$1,525.73

$1,653.66

$1,525.73

USAA

$1,084.88

$1,248.20

$1,499.08

$2,169.53

Georgia Car Insurance Rates by City

We checked our study's driver profiles in some of Georgia's largest cities to find out how city of residence can affect insurance rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Based on our data, auto insurance companies charge the highest average study rate to customer profiles living in Atlanta, at $1,859.17, while the least expensive city in Georgia for car insurance isAlbany, with an average representative rate of $1,398.40. Most cities had study rates between $1,500 and $1,700.

City

Average Rate

Atlanta

$1,859.17

Columbus

$1,540.70

Savannah

$1,578.77

Sandy Springs

$1,602.69

Johns Creek

$1,614.77

Albany

$1,398.40

Warner Robbins

$1,428.41

Alpharetta

$1,521.13

Marietta

$1,649.32

Smyrna

$1,620.18

Georgia Auto Insurance Minimum Coverage Requirements

Like most states across the country, car insurance is required in Georgia. The Motor Vehicle Division of the Georgia Department of Revenue must see proof of insurance before issuing a vehicle registration and license plate.

Here are the minimum insurance requirements in Georgia:

  • Bodily injury liability at $25,000 per person and $50,000 per accident
  • Property damage liability at $25,000 per accident

In Georgia, insurance companies must offer uninsured motorist bodily injury at $25,000 per person and $50,000 per accident, as well as uninsured motorist property damage at $25,000 with a $250, $500, or $1,000 deductible. With uninsured motorist coverage, your losses are covered if you are hit by someone who does not have insurance. However, this law is in place to require insurance companies to offer this coverage. Uninsured motorist coverage can be waived by the consumer, according to Geico.

Cheapest Car Insurance in Georgia

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Single Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Geico

Drivers with One Accident

Geico

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

To find which car insurance company offers the lowest rates in Georgia, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Across most of our driver profiles, Geico reigned supreme as the cheapest option. The one exception is for the profile with a single DUI. Geico offers the second highest study rate for this profile, with State Farm offering the lowest representative rate.

Why Car Insurance Rates Vary in Georgia

Typically, urban residents pay more for auto insurance because there are higher rates of accidents and crime in more densely populated areas, which is not unique to the state of Georgia. When auto insurance companies provide quotes based on your zip code, the companies check their data to help consider the frequency and types of insurance claims made in that area. If you live in a neighborhood with high rates of auto theft or lots of crashes, it costs more to insure your car to offset the higher risk.

How to Get the Cheapest Car Insurance in Georgia

Based on the data from the Quadrant Information Services study, maintaining a clean driving record is the best way to get the cheapest car insurance in Georgia. Drivers who are at a low risk to insurance companies are rewarded with the lowest rates, so you can save money by avoiding speeding tickets, crashes, and DUIs. However, you shouldn’t underestimate the importance of looking for car insurance discounts. Your insurance company is the best source to find discounts that may apply to you.

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Multi-policy or bundling discounts are among the most common discounts offered by auto insurance companies. They apply to customers who buy multiple types of insurance policies from the same carrier, including homeowners or renters policies. You can also get a discount for having multiple vehicles in the same household, and your insurer may offer good driver discounts and student discounts. Check with your employer – or any groups or clubs that you are a member of – to see if they offer employee or affinity discounts. Most major auto insurance companies offer discounts to customers in certain professions, such as teachers, active duty military, and veterans.

Your car may also entitle you to certain discounts, particularly if it is new or equipped with certain safety technology or theft prevention systems. Some insurance companies offer discounts for good driving, but only if you’re willing to fit your car with a tracking device that logs your mileage, habits, and other data. In some cases, these programs use a smartphone app to collect the data. If you are interested in participating in such a program, carefully check the terms. The insurance companies that offer these programs don’t guarantee discounts, and they may raise your rates if they don’t like what they see on your tracker.

Be sure to check for other common auto insurance discounts, such as low mileage (for drivers who only accumulate 5,000 to 15,000 miles per year), paperless or online billing, auto-pay or pay-up-front, and completion of an approved defensive driving or driver training course.

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Laws Around Car Insurance in Georgia

In Georgia, insurance for new drivers or for a new vehicle must be purchased before driving. If the policy lapses or is canceled for 10 days, the vehicle’s registration will be revoked. In Georgia, driving a car without a valid registration is a misdemeanor and puts the vehicle at risk of being impounded. Reinstating a revoked vehicle registration requires fees totaling $85. Wait periods of 90 days to six months are required after a vehicle’s insurance has lapsed on subsequent offenses.

Georgia Driving Laws and Punishments

Georgia’s hands-free law is fairly new, having gone into effect on July 1, 2018. While driving in Georgia, motorists cannot hold a phone or have a phone touching any part of their body. Using a voice-to-text system is permissible, but otherwise, drivers cannot read or write texts, emails, or social media content. Drivers cannot watch or record videos while on the road, with the exception of dash cams. Drivers may stream music on a phone, but they may not touch the phone to do so.

The first conviction of violating the hands-free law carries a $50 fine and one point on the driver’s license. First-time offenders can have the charge dropped by showing that they have obtained a hands-free device or technology. A second offense within two years of the first conviction carries a $100 fine and two points on the license, and a third offense within two years of the first conviction carries a $150 fine and three points.

The first time someone is convicted of driving under the influence (DUI) in Georgia, the penalties include up to a year in jail, a fine between $300 and $1,000, a suspended driver’s license up to one year, 40 hours of community service, and a $210 fee to reinstate the license when the suspension is up.

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Second-time offenders within five years of the first offense will spend a minimum of 48 hours in jail with a possible sentence of 90 days to one year, a fine between $600 and $1,000, a driver’s license suspension of three years, 30 days of community service, and a $210 fee to reinstate the license at the end of the suspension. Violators also face a mandatory clinical evaluation and possible substance abuse treatment. Furthermore, the offender’s vehicle will be fitted with an ignition interlock device for six months, and the vehicle’s license plates will be seized.

For the third offense within five years of the second offense, violators face a minimum mandatory sentence of 15 days in jail, a fine between $1,000-5,000, a license suspension of five years, 30 days of community service, and a mandatory clinical evaluation with possible substance abuse treatment. The vehicle’s license plates will be seized, and the offender’s name, address, and photo will be published in the local newspaper at the offender’s expense.

In addition to the above penalties, drivers between the ages of 15 and 21 who are convicted of an impaired driving offense face an additional waiting period of 12 months before qualifying for their graduated driver’s license. The blood alcohol content (BAC) limit is .02 for minors and .08 for adults.

According to Georgia’s minimum liability insurance requirements, any uninsured motorist in Georgia is breaking the law. The state requires insurance companies to offer uninsured motorist coverage, though drivers can decline this coverage in writing.

Georgia Car Insurance FAQs

Is car insurance required in Georgia?

Yes, car insurance is required in Georgia. Here are the minimum requirements:

  • Bodily injury liability at $25,000 per person and $50,000 per accident
  • Property damage liability at $25,000 per accident

In Georgia, insurance companies must offer uninsured motorist bodily injury at $25,000 per person and $50,000 per accident, as well as uninsured motorist property damage at $25,000, with a $250, $500, or $1,000 deductible. These coverages can be waived in writing.

Which cars are required to be insured in Georgia?

All vehicles in the state of Georgia must be registered, with the exception of mopeds, motorized carts, all-terrain and off-road vehicles, and farm equipment that will not be used on public roads. New residents have 30 days from the date they moved to register a vehicle. Current Georgia residents have seven days to register a new vehicle.

When should I get car insurance in Georgia?

Plan to get auto insurance for a new vehicle or new address as soon as possible. You’re required to register a vehicle shortly after purchasing it or moving to Georgia, and proof of insurance is required to register a vehicle.

What happens if my car is not properly insured in Georgia?

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If you do not insure your car in Georgia, your vehicle’s registration will be canceled. Driving a car without a valid registration is a misdemeanor in Georgia, and your vehicle may be impounded. To reinstate a revoked vehicle registration, drivers must pay a $25 lapse fine and a $60 reinstatement fee. Wait periods of 90 days to six months are required after a vehicle’s insurance has lapsed on subsequent offenses.

Is Georgia a no-fault state?

No, Georgia is not a no-fault state. That means that the at-fault party in a car accident can be sued for the full amount of financial damages, including medical costs, lost wages, pain and suffering, and any other costs related to the accident. Georgia uses the Modified Fault Rule to determine fault, which means that a driver found to be more than 50 percent responsible for the crash may not sue the other party or parties involved.

Do I need uninsured motorist coverage in Georgia?

In Georgia, insurance companies are required to offer uninsured motorist coverage in the amounts of $25,000 per person and $50,000 per accident for uninsured motorist bodily injury. They must also offer coverage for uninsured motorist property damage at $25,000, with a $250, $500, or $1,000 deductible. With uninsured motorist coverage, your losses are covered if you are hit by someone who does not have insurance. Consumers may waive their right to uninsured motorist coverage, according to Geico.

Is liability insurance required in Georgia?

The state of Georgia requires two types of liability coverage: bodily injury liability at $25,000 per person and $50,000 per accident, and property damage liability at $25,000 per accident. If this coverage lapses or is canceled, the insurance company will contact the Motor Vehicle Division of the Georgia Department of Revenue, which will then cancel the vehicle’s registration.

Does Georgia accept digital insurance cards?

Georgia uses a different system for digital proof of insurance than many other states. While drivers in some states are allowed to use a smartphone app to provide proof of insurance (rather than traditional paper cards), Georgia uses a digital system called the Electronic Insurance Compliance System. This system is maintained by the Georgia Department of Revenue, and it uses information that insurance companies are required to provide. Drivers are still expected to carry paper insurance documents in the vehicle, but the electronic system is checked to ensure information is up to date.

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