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The Best Georgia Car Insurance Companies

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    When buying car insurance in Georgia, there are plenty of excellent options to choose from. While the state’s insurance premiums are slightly higher than the national average, it’s still possible to find an affordable policy with great coverage. When comparing the best car insurance companies in Georgia, we considered factors such as affordability, customer support, coverage options, customer satisfaction, and online resources.

    Compare the Best Car Insurance Companies in Georgia

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Geico$758.71$2,242.474.4/5A++857/1,000
    Pin Auto-Owners$889.94$2,628.544/5A++854/1,000
    Pin Progressive$1,314.70$3,135.014.4/5A+848/1,000
    Pin USAA$994.28$2,558.354.8/5A++909/1,000

    Information accurate as of: 11/25/2020

    * Data provided by Coverage.com

    Geico

    Best for low rates

    Geico offers Georgia drivers the most affordable annual premiums with highly-rated customer satisfaction.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $758.31* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 857** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers Georgia drivers the most affordable annual premiums with highly-rated customer satisfaction.

    Pros

    • Low annual premiums
    • Excellent digital tools
    • Many discounts available
    • High customer satisfaction

    Cons

    • No gap coverage
    • Few local agents
    Read More

    Types of Coverage Offered

    • Liability
    • Medical
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Emergency road service
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle safety features
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Federal employee
    • Membership & employee
    • Military
    • Multi-vehicle
    • Multi-policy 

     * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Geico

    Auto-Owners Insurance

    Best for customer service

    Auto-Owners offers excellent customer service to Georgia drivers, with highly-rated claims satisfaction and overall satisfaction.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $889.94* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 854** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Auto-Owners offers excellent customer service to Georgia drivers, with highly-rated claims satisfaction and overall satisfaction.

    Pros

    • Highly-rated customer service
    • Many coverage options
    • Excellent discount options

    Cons

    • No online quotes available
    • Few digital tools and services
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Medical payments
    • Personal injury protection
    • Uninsured & underinsured motorist
    • Road trouble service
    • Additional expense
    • Loan gap/lease gaps
    • Diminished value
    • Personal automobile plus
    • Common loss deductible
    • Rental cars

    Discounts Available

    • Multi-policy
    • Payment history
    • Green discount
    • Multi-car
    • Deductibles
    • Student discounts
    • Life multi-policy
    • Paid-in-full
    • Advance quote
    • Safety features
    • Favorable loss

     * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Auto-Owners

    Progressive

    Best for discounts

    Progressive has some of the more expensive auto insurance in Georgia but makes up for it with many discounts to help customers save.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,314.70* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 848** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive has some of the more expensive auto insurance in Georgia but makes up for it with many discounts to help customers save.

    Pros

    • Many discounts available
    • Coverage for high-risk drivers
    • Excellent digital tools

    Cons

    • High annual premiums
    • Slightly below-average customer satisfaction
    Read More

    Types of Coverage Offered

    • Liability
    • Comprehensive
    • Collision
    • Uninsured/underinsured motorist
    • Medical payments
    • Roadside assistance
    • loan/lease payoff
    • Rental car reimbursement
    • Customer parts and equipment value
    • Rideshare coverage
    • Deductible savings bank

    Discounts Available

    • Multi-policy
    • Multi-car
    • Continuous insurance
    • Safe driver 
    • Teen driver
    • Good student
    • Distant student
    • Homeowner
    • Quote and sign online
    • Paperless billing
    • Pay in full
    • Automatic payment

     * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Progressive

    USAA

    Best for military families

    Best for military families
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $994.28* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 909** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Best for military families

    Pros

    • Highly-rated customer satisfaction
    • Perks for military families
    • Competitive rates

    Cons

    • Only available to current and former military members and their families
    Read More

    Types of Coverage Offered

    • Comprehensive
    • Collision
    • Liability
    • Uninsured & underinsured driver
    • Personal injury protection
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness
    • Car replacement

    Discounts Available

    • Safe driver
    • Defensive driving
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • No payment plan fees

     * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on USAA

    The Average Cost of Car Insurance in Georgia

    Auto insurance rates in Georgia are slightly higher than the national average. Rates for the state’s minimum liability coverage average $640, while you’ll pay around $1,746 for a full coverage policy. Auto insurance rates in a particular state can be affected by the rate of uninsured drivers, the frequency of accidents, and the state’s insurance laws. Your rates will also depend on your driving record, age, vehicle, and credit score.

    Top 3 Cheapest Car Insurance Companies in Georgia

    CompanyAverage Annual Premium
    Geico$758.71
    Owners Insurance$810.83
    Auto Owners$889.94

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Georgia

    CompanyAverage Annual Premium
    Esurance$1,592.62
    Progressive$1,314.70
    Garrison$1,307.31

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Georgia 

    CityAverage Annual Premium*
    Fitzgerald$783.73
    Nashville$785.77
    Adel$789.46

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Georgia 

    CityAverage Annual Premium*
    Redan $1,550.37
    Clarkston$1,542.89
    Candler-McAfee$1,524.26

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to Georgia Car Insurance 

    Georgia law requires drivers in the state to carry minimum liability insurance. Failure to provide proof of insurance can result in suspension or revocation of license or vehicle registration. There is also a small fine for a lapse of coverage.

    Georgia is unique because it doesn’t require drivers to carry uninsured/underinsured motorist coverage like most other states. But Georgia drivers have to opt-out of this coverage with a written request.

    Georgia Minimum Insurance Requirements

    Drivers in Georgia must carry both bodily injury and property damage liability insurance to cover any damage when they are at-fault for an accident.

    Minimum liability required in the state of Georgia is divided as follows:

    • $25,000 for injury or death of one person in an accident
    • $50,000 for injury or death of multiple persons in an accident
    • $25,000 for property damage in an accident

    Georgia’s At-Fault Law

    Georgia is a “fault” car insurance state, meaning that whoever causes an accident is responsible for all financial damages. The state’s minimum liability coverage requirement ensures that all drivers will be able to cover damages when they’re at-fault for an accident.

    Car Insurance Add-Ons That Will Further Protect You 

    • Uninsured/underinsured motorist: Georgia is unique in that it doesn’t require drivers to have this optional coverage, which protects them from financial losses if they’re in an accident where the at-fault driver doesn’t have insurance. Georgia drivers can still choose to purchase it on their own.
    • Roadside assistance: If you find yourself stranded on the side of the road, this optional coverage can provide tow services, battery jump, tire change, and more. Some insurance companies cover the cost of these services, while others simply send a service provider while you foot the bill.
    • Gap coverage: This optional coverage protects you from financial losses if your vehicle is totaled in an accident and you owe more on your car loan than your insurer will give you for the vehicle.
    • Accident forgiveness: In most cases, you can expect your car insurance rates to increase after an accident. But optional accident forgiveness coverage guarantees they won’t increase after just one accident.

    Georgia Car Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Georgia, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Georgia, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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