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.
- Geico: Best for low rates
- Auto-Owners: Best for customer service
- Progressive: Best for discounts
- USAA: Best for military families
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 | $2,242.47 | 4.4/5 | A++ | 857/1,000 | |
| Pin Auto-Owners | $889.94 | $2,628.54 | 4/5 | A++ | 854/1,000 | |
| Pin Progressive | $1,314.70 | $3,135.01 | 4.4/5 | A+ | 848/1,000 | |
| Pin USAA | $994.28 | $2,558.35 | 4.8/5 | A++ | 909/1,000 |
Information accurate as of: 11/25/2020
* Data provided by Coverage.com
Best for low rates
Why we chose it
Pros
- Low annual premiums
- Excellent digital tools
- Many discounts available
- High customer satisfaction
Cons
- No gap coverage
- Few local agents
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
Best for customer service
Why we chose it
Pros
- Highly-rated customer service
- Many coverage options
- Excellent discount options
Cons
- No online quotes available
- Few digital tools and services
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
Best for discounts
Why we chose it
Pros
- Many discounts available
- Coverage for high-risk drivers
- Excellent digital tools
Cons
- High annual premiums
- Slightly below-average customer satisfaction
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
- Progressive Auto Insurance Review
- Progressive Homeowners Insurance Review
- Progressive Renters Insurance Review
Best for military families
Why we chose it
Pros
- Highly-rated customer satisfaction
- Perks for military families
- Competitive rates
Cons
- Only available to current and former military members and their families
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
| Company | Average 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
| Company | Average 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
| City | Average 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
| City | Average 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.
