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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 10.6 million residents as of 2019. The state had almost seven 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.

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.

Cheapest Car Insurance Companies in Georgia

How We Found the Cheapest Car Insurance in Georgia

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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 nine 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 study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and 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 Allstate, which has an average representative rate of $1,980. That’s nearly 35% more than the average study rate among all companies in our survey: $1,430. With average representative rates of $1,059, USAA is the least expensive company in our study, while Geico’s representative rates aren’t far behind at $1,139.

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Georgia Car Insurance Rates by Age

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

$2,315.97

$2,121.98

$1,897.75

$1,897.75

$1,822.65

$1,822.65

Geico

$1,578.38

$1,359.85

$986.82

$1,007.85

$949.81

$949.81

Nationwide

$1,782.62

$1,645.53

$1,302.39

$1,256.08

$1,239.60

$1,125.45

Progressive

$2,050.38

$1,901.45

$1,427.335

$1,549.31

$1,287.32

$1,200.98

State Farm

$1,681.50

$1,561.22

$1,425.55

$1,425.55

$1,280.35

$1,280.35

USAA

$1,341.20

$1,212.77

$984.63

$983.56

$920.16

$914.35

According to our study data, 60-year-old driver profiles pay the lowest average car insurance rates in Georgia. Across all the insurance companies in our study, representative average rates for that age group came in at $1,250 for the male profile and $1,216 for the female. The highest representative average rates in this group were from Allstate, coming in at $1,823 for both male and female driver profiles. USAA has the least expensive representative rates in the age group. USAA’s representative rates for male and female driver profiles are roughly 50% less than Allstate’s. USAA also had the lowest rates among 35-year-old driver profiles: $984 for females and $985 for males. Geico was a close second in this category, with representative rates of $987 for male driver profiles and $1,008 for female profiles. Allstate was the most expensive choice in this segment, with representative rates that are roughly $900 higher than USAA’s for both male and female profiles. 

Amy Luo / Getty Images

In our study, 25-year old driver profiles paid the highest representative rates of all age groups: $1,792 for males and $1,634 for females across all insurance companies in our research. Representative rates were lowest with USAA and Geico, while Allstate and Progressive were the highest. There was a spread of roughly $900 between the representative rates offered by the least expensive company in this category (USAA) and the costliest (Allstate). 

To determine the average rates based on gender and age, 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, 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.

Georgia Car Insurance Rates by Mileage

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,819.33

$1,979.79

Geico

$1,036.33

$1,138.75

Nationwide

$1,391.94

$1,391.94

Progressive

$1,569.46

$1,569.46

State Farm

$1,442.42

$1,442.42

USAA

$959.62

$1,059.44

The average representative rate for the lower-mileage profile is $1,370 and the average representative rate for the higher-mileage profile is $1,430. 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. Allstate’s representative rates were highest across the board: $1,819 for driver profiles with 6,000 miles and $1,980 for those with 12,000 miles. USAA was the least expensive choice, with representative rates that were roughly 46% less than Allstate’s. 

We created two driver profiles to compare how annual mileage can change car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Georgia Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$1,778.50

$1,979.79

$2,121.90

Geico

$1,042.96

$1,138.75

$1,224.28

Nationwide

$1,415.18

$1,391.94

$1,468.92

Progressive

$1,456.60

$1,569.46

$1,768.28

State Farm

$1,338.20

$1,442.42

$1,556.98

USAA

$984.82

$1,059.44

$1,138.34

With most companies in our survey, representative rates rose as coverage increased. There was one exception: Nationwide’s representative rate for low coverage is higher than its rate for medium coverage. The average representative rate for low coverage in Georgia across all the companies in our study is $1,336. This increases to $1,430 for medium coverage and $1,546 for high coverage. USAA and Nationwide showed the smallest increases for each tier of insurance.

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Georgia Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$1,979.79

$2,292.80

$2,824.72

Geico

$1,138.75

$1,146.01

$1,455.86

Nationwide

$1,391.94

$1,622.24

$1,879.83

Progressive

$1,569.46

$1,796.64

$2,156.62

State Farm

$1,442.42

$1,811.61

$2,885.43

USAA

$1,059.44

$1,279.09

$1,859.36

For each of the six companies in our study, customers with good credit paid the lowest rates, customers with fair credit paid more, and customers with poor credit paid the highest rates. Average representative rates across the state for all companies in our study were $1,430 for driver profiles with good credit, $1,658 for those with fair credit, and $2,177 for those with poor credit. USAA offered the lowest representative rates for driver profiles with good credit. For driver profiles with fair or poor credit, Geico’s representative rates were lowest. In general, Georgia driver profiles with poor credit pay considerably more for auto insurance than those with good credit. Consumers with poor credit should take the time to shop around because the differences in rates can be huge.

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Georgia Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,979.79

$2,082.42

$3115.53

$2,487.39

Geico

$1,138.75

$1,216.00

$1,619.69

$3,576.46

Nationwide

$1,391.94

$1,624.78

$2,442.96

$2,994.10

Progressive

$1,569.46

$2,113.88

$3,515.11

$2,052.48

State Farm

$1,442.42

$1,574.22

$1,706.02

$1,574.22

USAA

$1,059.44

$1,221.74

$1,467.34

$2,129.31

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Average representative rates for driver profiles with a clean record came in at $1,430. Average study rates were $1,684 for those with one speeding violation, $2,311 for those with one accident, and $2,469 for those with a single DUI. Allstate, Progressive, and State Farm gave their highest representative rates to driver profiles with one accident, while Geico, Nationwide, and USAA reserved their highest representative rates for driver profiles with one DUI. If you have a DUI on your record, you may want to check out State Farm first. In that category, they have the cheapest representative rates by far in our survey; nearly $500 less than the next cheapest competitor.

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Georgia Car Insurance Rates by City

City

Average Rate

Albany

$1,339.85

Alpharetta

$1,562.12

Atlanta

$1,757.28

Columbus

$1,416.93

Johns Creek

$1,688.57

Marietta

$1,632.64

Sandy Springs

$1,634.33

Savannah

$1,523.69

Smyrna

$1,657.59

Among the cities in our Georgia profiles, Atlanta’s average representative rate of $1,757 was highest. The least expensive rates in our study belonged to driver profiles in Albany, at $1,340, on average. The average representative rate among all cities in our survey was $1,421.

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Georgia’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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. 

The minimum insurance requirements in Georgia include bodily injury liability at $25,000 per person and $50,000 per accident, as well as property damage liability at $25,000 per accident.

Sean Pavone / Getty Images

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. This law is in place to ensure insurance companies offer this coverage, but uninsured motorist coverage can be waived by the consumer.

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

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.

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

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. 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 our 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.

Multipolicy 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 insuring 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.

Important Laws Around Auto 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 went 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, though dash cams are allowed. 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 of between $1,000 and $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. You must have bodily injury liability of at least $25,000 per person and $50,000 per accident, as well as property damage liability at a minimum of $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 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?

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% responsible for the crash may not sue the other party or parties involved.

Do I Need Uninsured Motorist Coverage in Georgia?

No. Though uninsured motorist coverage must be offered in Georgia, consumers can waive their right to it. 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.

Is Liability Insurance Required in Georgia?

Yes, Georgia requires two types of liability coverage: bodily injury liability at $25,000 per person and $50,000 per accident, as well as 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.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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