HomepageInsuranceCarThe Best Car Insurance Companies in Georgia of 2021

The Best Georgia Car Insurance Companies

Fact-checked with HomeInsurance.com ​
Insurance Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Powered by HomeInsurance.com (NPN: 8781838)

Click at least 2-3 companies to find the very best rate.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    There are many options for car insurance in Georgia, but not all of them may offer the best car insurance policy for you. The average cost of Georgia car insurance is $2,764 per year for full coverage or $230 per month, while minimum coverage averages $1,085 per year. To find the best car insurance in Georgia, we consider several factors, such as coverage options, price, discounts, customer satisfaction, and financial strength. Based on our analysis, the cheapest car insurance companies in Georgia include Geico, Auto-Owners, and USAA.

    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$474$1,3884.2A++843
    Pin Auto-Owners$890$2,6293.8A++849
    Pin Progressive$1,299$2,8674A+828
    Pin USAA$1,039$2,6674.8A++890

    Information accurate as of September 2021

    * Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southeast region. Based on a 1,000-point scale.

    Geico

    Best for low rates

    Why we chose it

    Geico offers Georgia drivers the most affordable annual premiums with highly-rated customer satisfaction.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,388* 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.
    • 843** 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 

    More Geico Insurance Reviews

    Auto-Owners Insurance

    Best for customer service

    Why we chose it

    Auto-Owners offers excellent customer service to Georgia drivers, with highly-rated claims satisfaction and overall satisfaction.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,629* 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.
    • 849** 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

    More Auto-Owners Insurance Reviews

    Progressive

    Best for discounts

    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.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,867* 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.
    • 828** 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

    More Progressive Insurance Reviews

    USAA

    Best for military families

    Why we chose it

    USAA caters specifically to military members and their families with highly rated car insurance and competitive rates compared to other insurance carriers.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,667* 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.
    • 890** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA caters specifically to military members and their families with highly rated car insurance and competitive rates compared to other insurance carriers.

    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

    More USAA Insurance Reviews

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

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southeast region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Georgia

    With numerous companies to choose from, finding the best car insurance companies in Georgia may be made easier with guidance. 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.

    The average car insurance rate in Georgia is slightly higher than the national average, at $640 per year for minimum liability coverage and $1,746 per year for a full coverage policy. Average auto insurance rates differ from state to state due to diverse factors such as local insurance laws, the rate of uninsured drivers and the frequency of auto collisions. Your insurance rate may also be affected by your  driving record, age, vehicle, and credit score.

    Top 3 Cheapest Car Insurance Companies in Georgia

    CompanyAverage Annual Minimum Coverage Premium
    Geico$474
    Auto-Owners Insurance$890
    USAA$1,039

    * 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$1,593
    Progressive$1,315
    Garrison$1,307

    * 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 state law does not require drivers to carry uninsured/underinsured motorist coverage like most other states. Georgia insurance providers are required to offer you uninsured/underinsured coverage, and if you want to decline it, you’ll have to opt-out 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

    Bodily injury liability covers medical expenses, lost wages or even funeral expenses if you hurt or kill others in a car accident in which you are at-fault. If you are at fault in an accident, your property damage liability coverage pays to repair or replace the other driver’s car. If you collided with an object, property damage liability coverage would pay to replace or repair that object.

    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

    Lena Borrelli

    Lena Borrelli Contributing Writer

    Lena Borrelli is a freelance writer for Reviews.com. Over the last year, she has covered insurance, finance, and more. She has been featured in TIME with NextAdvisor, Bankrate, The Simple Dollar, MYMOVE, Million Mile Secrets, Coverage.com and more. My favorite article is “How to Invest in Real Estate During COVID?” on Reviews.com.

    Table Of Contents