Auto Insurance in Georgia
Georgia’s auto insurance rates are on the low side — on average $1,481 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Liability coverage is required in Georgia for anyone operating a vehicle, but full coverage is wiser choice, especially if you are living in a more heavily populated area with a lot of car traffic, like Atlanta. But you may be able to find rates closer to the national average, or even lower, by making sure you shop around thoroughly before you buy coverage.
Georgia Minimum Liability
Georgia’s stated minimum coverage is 25/50/25, half of the recommended 50/100/50. That means that Georgia requires that you have $25,000 to cover personal injury, $50,000 per accident for bodily injury coverage, and $50,000 for property damage coverage.
Though Georgia’s liability limit is low, it’s important to remember that, should an accident produce more costs than your coverage can handle, you will be responsible for paying the balance out of pocket.
Getting quotes from multiple auto insurance companies in order to compare insurance rates and levels of coverage is the best way to make sure that you’re getting the most coverage that you can afford with your budget. Each company that looks into your driving history will price insurance for you differently, so don’t assume that a quote from a single insurer is automatically going to be similar to what other companies have to offer.
Shopping around for insurance, as opposed to taking the first quote you get, may take a little extra time, but the amount of money that you’ll save and the peace of mind that you’ll gain by knowing you got the best deal you could will make the extra effort well worth it.
Cheapest Car Insurance in Georgia
- $1,301State Farm
- $1,168Georgia Farm Bureau
When searching for car insurance while you’re on a strict budget, your biggest concern is most likely going to be price. The companies listed here have a track record of providing affordable auto insurance rates in Georgia.
However, remember that you will be getting exactly what you pay for with a cheap policy, and could be sacrificing other factors related to auto insurance such as the quality and availability of customer service representatives, the amount of out-of-pocket expenses you may have to incur (especially deductibles), and, of course, the amount of coverage you’re able to receive.
Low cost insurance is best reserved for people who find it near-impossible to get the funds to consistently pay a higher insurance rate or who don’t drive an automobile often enough to justify more comprehensive coverage.
Most Popular Companies by Marketshare
- State Farm
- Georgia Farm Bureau
These are the most popular of the auto insurance providers in the state of Georgia. Part of the reason for their popularity is based upon being able to specifically cater to the auto insurance needs of Georgians.
At the same time, the more popular insurance companies could be described as such because they have the ability to spend more on marketing than other car insurance providers. This could be because they budget their revenue well, but it could also be because they charge higher rates in order to pay for marketing heavily in the state.
Because it can be difficult to determine which scenario fits a particular company, feel free to get quotes from these more popular agencies. However, be sure to check their quotes against other, less famous companies in order to get a better idea of how much value their coverage has for you and your situation.
Choosing the Best Car Insurance in Georgia
The most highly rated auto insurance agencies have a reputation for offering great protection for you and your vehicle in the long term. Starting with this list of highly reputable agencies will help ensure that you get your coverage from a company that you will want to remain a customer with for decades to come.
This list represents the best car insurance carriers that Georgia has to offer when considering various components of their business. We took into consideration their rates, financial strength, customer service quality, coverage available, and how effectively claims are managed.
Where is car insurance most affordable?
Your specific car insurance costs will fluctuate depending on factors such as where in the state you live.
Atlantans are going to pay a slightly higher rate than Athenians, for example.
Prices in different cities vary for many reasons, so make sure to get multiple quotes in your specific area before settling on an auto insurance carrier.
Atlanta Auto Insurance
With a population of over 5.5 million people in the Atlanta Metropolitan area, Georgia’s biggest city is slightly more expensive than the state average. Though the Metro Atlanta Rapid Transit Authority (MARTA) offers city-wide train service, streetcars, and buses, personal vehicles are still the most popular way for people to get around the area, as evidenced by Atlanta’s reputation for massive traffic congestion during rush hours. Based on personal characteristics, such as your driving history, your Atlanta insurance rates may be higher or lower than average. At $1,591, Atlanta’s premiums are a little higher than the national ($1,311) and state ($1,481) averages.
Columbus Auto Insurance
Georgia’s second-largest city is home to about 202,000 people. The average auto insurance premium in Columbus is $1,392, which is less than the state average but still higher than the national average. Just as in Atlanta, personal vehicles are the main method of transportation for residents, so getting great auto insurance coverage is critical.
Augusta Auto Insurance
Located about three hours east of Athens, Augusta is home to over 197,000 residents. Augusta was named after King George III’s mother, Princess Augusta. Augusta has an average car insurance premium of $1,377, just $66 more than the national average.
Athens Auto Insurance
About 90 minutes east of Atlanta, Athens has over 119,000 people. At the center of the town is the University of Georgia, a public research university. The average Athens auto insurance premium is $1,298, which is less than both the state and the national averages.
Roswell Auto Insurance
Georgia’s eighth largest city, located about 45 minutes north of downtown Atlanta, Roswell has more than 94,000 citizens. Roswell is home to the largest Memorial Day ceremony in all of Georgia. The average car insurance premium is $1,477, which is much higher than the national average, but slightly lower than the state average.
Macon Auto Insurance
Just 90 minutes south of Athens, Macon is a city of nearly 90,000 people. The average auto insurance premium $1,439, which is a little lower than the state average, but notably higher than the national average.
Albany Auto Insurance
Albany Auto Insurance About two hours southeast of Columbus, Albany is home to over 76,000 people. Average Albany car insurance premiums are $1,293, lower than both the state and national averages.
Marietta Auto Insurance
One of Atlanta’s largest suburbs, Marietta, is 30 minutes northwest of downtown Atlanta and has over 58,000 residents. The average premium for car insurance in Marietta is $1,501, much higher than both the national and state averages.
Savannah Auto Insurance
About 2.5 hours southeast of Augusta, Savannah is a bustling coastal city with more than 53,000 residents. It’s the oldest city in Georgia and is close enough to the Atlantic Ocean to make its temperatures slightly cooler than those of interior cities like Macon or Atlanta. The average cost for car insurance in Savannah is $1,423, which is much high than the national average and only slightly lower than the state average.
Keep in mind with these citywide averages that these premium costs will fluctuate based on your specific circumstances. What neighborhood you live in, what kind of car you drive, and your driving history are just a few of many factors that can create a higher-than-average or lower-than-average insurance premium for covering you and your vehicle.
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