The best insurance coverage for Georgia drivers of all kinds
State Farm is one of the nation’s leading insurance companies, and it’s easy to see why. The company offers great coverage and excellent customer service for affordable rates.
Direct Auto serves high-risk customers who may not qualify for auto insurance coverage, especially affordable coverage. Its many auto insurance discounts make it easy to save money.
When you’re shopping for a car insurance policy in Georgia, you’ll have dozens of options to choose from. And while it’s great to have options, having quite so many can feel overwhelming. We’ve helped you narrow down your search by identifying the four best car insurance companies in Georgia. Each of these companies brings something different to the table and is perfectly suited to a different type of driver.
Best Car Insurance in Georgia Overall: State Farm
Best Car Insurance for High-Risk Drivers in Georgia: Direct Auto
Best Car Insurance for Military Families in Georgia: USAA
Best Car Insurance for Low-Mileage Drivers in Georgia: Nationwide
|Provider||Category||J.D. Power rating (out of 1,000)||Average annual premium||Review|
|State Farm||Overall||855||$1,419||State Farm review|
|Direct Auto||High-risk drivers||Not included||$2,487||Direct Auto review|
|USAA||Military families||886||$1,151||USAA review|
|Nationwide||Low-mileage drivers||850||$1,614||Nationwide review|
State Farm is the best overall car insurance company for drivers in Georgia. As the largest car insurance company in the country based on market share,1 State Farm is well known for its affordable premiums and highly rated customer service.
The company has all of the staple auto insurance coverages, as well as a few extras, such as rideshare coverage. Plus, the company has several ways for good drivers to save money on their premium.
State Farm has some of the lowest average rates of any insurer, both in Georgia and across the country. The company has an average annual premium of $1,419. In addition to being one of the most affordable companies overall, State Farm offers some of the best rates to drivers with violations on their record.
With State Farm, your rates as a high-risk driver will increase by only around 24 percent, compared to 72 percent statewide. Of course, your rates are likely to increase with violations on your driving record. But compared to other insurers, those increases are minimal.
State Farm has a reputation for excellent customer satisfaction in the auto insurance industry. First, the company has an above-average customer satisfaction ranking in J.D. Power’s 2022 U.S. Auto Insurance Study for the Southeast region, which includes Georgia.2
State Farm also has a good reputation when it comes to claims. In another J.D. Power study — the 2022 U.S. Auto Claims Satisfaction Study — the company ranked in the top seven overall, with a rating of 882 out of 1,000, compared to the industry average of 873.
Finally, State Farm has a below-average complaint index with the National Association of Insurance Commissioners (NAIC), which is actually a good thing. The NAIC compiles complaints and creates an index based on each company’s share of premiums in the market. State Farm’s score is lower than the expected rate (0.77 compared to the expected index of 1.00).3
State Farm offers several ways for you to save money based on your driving habits. First, when you sign up for Drive Safe & Save, you’ll save money just for signing up (though the company doesn’t disclose how much). Then, the Drive Safe & Save app and a Bluetooth device record your driving and assess how safe of a driver you are based on your acceleration, braking, turning, speed, and phone use. Depending on your driving habits, you could save up to 20 percent on your premium.
Next, State Farm offers a program for teen drivers called Steer Clear. If you’re a new driver or under age 25, you can save money if you have had no at-fault accidents or moving violations within the past three years and complete a driver-focused training program that teaches safe driving habits.
For drivers of all ages, State Farm offers other safe-driving discounts for:
If you have violations on your driving record or struggle to get affordable insurance coverage (or any coverage) for another reason, Direct Auto is worth considering. While the company offers car insurance for anyone, it’s particularly attractive to high-risk drivers. In fact, Direct Auto prides itself on offering insurance coverage, regardless of your insurance history.
Violations such as speeding, reckless driving, and driving under the influence can cause your insurance premium to rise significantly. And depending on your record, those violations could cause insurers to deny you coverage altogether. Additionally, you may struggle to find affordable car insurance coverage if you have a poor credit score. There’s a correlation between credit scores and auto insurance premiums: drivers with poor credit are more likely to file insurance claims.
But whether you’re considered high-risk because of your driving record or your credit history, Direct Auto still wants you as a customer. In fact, Direct Auto even offers SR-22 certificates, which are certificates of financial responsibility that Georgia requires when you have a probationary license after a license suspension or revocation.4
You might have your license suspended in Georgia due to a DUI, failure to appear in court, driving without insurance, exceeding the maximum number of points on your record, or failing to pay your child support. You must file these certificates with the Department of Driver Services (DDS) to prove you have insurance coverage.
Direct Auto may not have particularly cheap car insurance rates, but it does have many discounts to help you save up to 25 percent on your car insurance premium. Here are some of the company’s biggest discounts:
Another of Direct Auto’s biggest selling points is its flexible payment options. First, when you sign up for your policy, you can choose your payment date and plan it around your own paycheck to ensure you’ll always have the money in your account.
Next, Direct Auto allows you to choose how you pay each month. You can pay your bill online, in person, over the phone, or via mail. And you don’t have to pay the same way each month. Direct Auto doesn’t require you to keep a credit card or checking account on file.
USAA is the best-known financial services company that serves military families exclusively. And among the many services it offers is auto insurance, with some of the lowest rates and best customer service on the market.
First and foremost, USAA has some of the most affordable insurance rates in the industry, with an average annual cost of car insurance of $1,151. And depending on your circumstances, your premium could be considerably lower. If you have a clean driving history, a good credit score, and other characteristics that make you a low-risk driver, your premium could be among the lowest in the country.
USAA is well known for its top-notch customer satisfaction. First, the company has the highest rating of any company in J.D. Power’s overall customer satisfaction study for the Southeast region. It has a rating of 886 out of 1,000, which is a full 10 points higher than the next-closest company and nearly 40 points higher than the national average.
Additionally, USAA has one of the top scores in J.D. Power’s claims satisfaction study, falling behind only Amica Mutual, NJM Insurance Co., and Erie Insurance. This score shows us that customers who have had to file auto claims with USAA have been pleased with their service.
Finally, USAA has fewer-than-average complaints for its auto insurance policies with the NAIC. The company has a complaint score of 0.85 compared to the index of 1.00.
USAA offers many great ways for you to save on your insurance premium. Of course, USAA offers many of the discounts you’d find with any other insurer, including a discount for being a student with good grades, having a clean driving record, and bundling multiple policies.
But USAA also offers discount options unique to military members. For example, if you’re deployed and are storing your vehicle on a military installation, you could get up to 15 percent off your comprehensive coverage and up to 60 percent off your policy overall.
Next, USAA offers its SafePilot program, which allows you to save up to 30 percent on your policy. You’ll allow USAA to track your driving habits, including your braking and phone use, with the USAA SafePilot app. If you make safe driving choices, you can get a discount on your policy. No matter how safe a driver you are, you can get up to 10 percent off your policy just for signing up.
Finally, USAA allows you to save on car insurance through its pay-per-mile auto insurance, Noblr. Rather than paying a flat rate each month, you can pay based on the number of miles and how safely you actually drive. However, to enjoy this perk, you must enroll when you sign up for auto insurance.
Nationwide is one of the leading insurance companies in the country, thanks to its reasonable rates, wide variety of coverage options, and discounts. Additionally, like USAA, it’s one of only a handful of companies that has pay-per-mile insurance, ideal for low-mileage drivers.
As we mentioned, Nationwide is rare in that it offers a type of insurance coverage for low-mileage drivers specifically. When you sign up for the company’s SmartMiles program, you’ll pay per mile rather than paying a flat monthly rate regardless of your monthly mileage.
First, as a pay-per-mile customer, you’ll pay a low base rate every month, which could be around $60. Then, you’ll pay a certain number of cents per mile on top of that base rate. For example, if you pay a base rate of $60, a per-mile rate of $0.07, and you drive 250 miles a month, you’ll pay a total of $77.50. That’s only $930 a year for car insurance, much lower than the state average of $1,255!6
Nationwide has an impressive lineup of coverage options available. In addition to the standard coverages you would expect from any provider, you can add these special coverages to your policy, all of which could save you money in the long run:
We’ve already talked about some ways Nationwide helps you save money on car insurance. But the company also offers a handful of ways for safe drivers to save even more.
When deciding which car insurance companies to recommend, we use three key criteria:
Drivers in Georgia pay an average annual premium of $1,255, based on data from the National Association of Insurance Commissioners from 2020, the last year for which data is available. This average puts the cost of car insurance in Georgia above the national average of $1,047 and below just seven other states.
However, the cost of minimum coverage car insurance in Georgia will cost less than full coverage car insurance. Additionally, your ZIP code will affect your rate, with higher rates for those in cities like Atlanta, compared to those in suburban and rural areas.
No, Georgia is not a no-fault car insurance state. Instead, the driver who caused an accident is financially responsible for any damage or injuries of those outside of his vehicle.
Georgia requires all drivers to carry liability insurance to operate a vehicle legally. You must have coverage limits of at least $25,000 in bodily injury liability coverage per person and $50,000 per accident, and at least $25,000 per accident in property damage liability coverage, according to the state’s Office of Insurance and Safety Fire Commissioner.
In most cases, car insurance in Georgia follows the car rather than the driver. If you lend your car to a friend or family member and they cause an accident, your insurance policy should cover it.
However, there may be limits to how often you can lend your vehicle to someone without having them listed on your policy. If you lend your car to your husband frequently and he causes an accident, your insurer may deny the claim because you should have added him to your policy.
Facts + Statistics: Auto insurance. Insurance Information Institute. (2023).
Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds. J.D. Power. (2022, Jun 13).
State Farm Fire & Cas Co National Complaint Index Report. National Association of Insurance Commissioners. (2023).
Subject 375-3-3 REVOCATION AND SUSPENSION: Rule 375-3-3-.01 Penalties for Violations of Uniform Rules of the Road. Rules and Regulations of the State of Georgia. (2023).
§ 33-24-45. Cancellation or nonrenewal of automobile or motorcycle policies; procedure for review by Commissioner. fastcase. (2023).
2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).