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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.
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
Average Annual Minimum Coverage Premium
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Car Insurance Companies in Georgia
Average Annual Premium
* 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.
Drivers in Georgia must maintain a minimum amount of car insurance in order to meet Georgia auto insurance laws. This includes $25,000 for injury to one person, $50,000 for injury to multiple persons, and $25,000 for property damage coverage. However, it is always a good idea to consider purchasing more than just the minimum coverage required so you don’t risk financial ruin if you experience losses greater than your insurance coverage.
The average cost of Georgia car insurance is $230 per month or $1,085 per year for minimum coverage. If you opt for full coverage, the average cost of car insurance is $2,764 per year. However, the cost of car insurance is based on a series of personalized factors, like your driving record and credit score, so the price of your policy may vary.
Based on our analysis, Geico is the cheapest car insurance company at $474 per year for minimum coverage and $1,388 per year for full coverage. However, the best cheap car insurance in Georgia may be different for you, so it is always wise to shop and compare quotes from multiple providers so you receive the right coverage at the best price.
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.
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.