Compare Cheap Auto Insurance in Georgia

USAA offers the lowest rates on full coverage auto insurance, with an annual premium of $2,163. That’s 22 percent lower than the state average of $2,776. However, USAA is only available to veterans, military members, and their families. Auto-Owners offers the next cheapest rates with an average premium of $2,184.

Auto-Owners offers the cheapest average rates for minimum coverage auto insurance at $741 annually — 32 percent below the Georgia average. USAA comes in second at $777 annually, though membership is limited to military-affiliated drivers. Nonmilitary drivers can find other competitive rates from GEICO and Progressive.

Teen auto insurance tends to be expensive, but you can look to USAA and Auto-Owners for the cheapest average rates in Georgia. Both insurers come in under the state average by over $1,000, with average annual premiums of $5,504 and $5,677 respectively. Again, keep in mind USAA is limited to military families eligible for membership.

Drivers with a speeding ticket in Georgia can look to Auto-Owners for the cheapest rates at $2,327 annually — that’s 22 percent below the statewide average. USAA and Country Financial also offer affordable rates at $2,374 and $2,697 per year, respectively.

USAA is the cheapest overall auto insurer for Georgia drivers with an at-fault accident. Its average annual premium of $2,940 is 19 percent lower than the state average of $3,645, though coverage is limited to military families. For non-military drivers, Auto-Owners has a rate that’s comparably cheap at $2,970 annually.

Though Allstate has pricier rates in other categories, it offers the cheapest auto insurance for Georgia drivers with a DUI at $3,116 per year. This is significantly less than the state average of $4,099 annually. USAA (military-only), Country Financial, and Progressive have the next cheapest rates in that order, all of which are below the state average rate.

Drivers with low credit often pay higher auto premiums, but you can mitigate costs with Country Financial. This insurer offers the cheapest average premiums at $2,716 annually for Georgia drivers with low credit — well below the state average of $4,600 annually. GEICO and USAA (military-only) are also good options at $2,972 and $3,267 per year, respectively.

While State Farm often has higher-than-average rates in Georgia, it also has better customer satisfaction ratings than most competitors, which may make the cost worthwhile. USAA is also known for strong customer service, but is only available to military members and families. Note that Country Financial is not rated by J.D. Power, but scores well on the CRASH Network Report Card.

1. Maintain a clean record: Having violations on your record will cause your insurance rates to increase, sometimes significantly. To make sure you’re getting the best possible rate, drive safely and do your best to avoid violations.
2. Lower your limits: This is an option if your immediate priority is a cheaper premium. There’s a tradeoff, because lower limits could elicit significant out-of-pocket expenses if you cause an accident and don’t have enough coverage to cover damages. Additionally, maintaining higher limits signals a lower risk to insurers and could help keep your rates lower in the long run. Weigh these factors against each other before proceeding.
3. Take advantage of discounts: You may be eligible for a variety of discounts depending on your profile and what your insurer offers, so always make sure to check for all discounts that can be added to your policy. This could include a multicar discount, a good student discount for young drivers, a defensive driving discount, and more.
4. Increase your deductibles: Consider this if you have comprehensive and/or collision coverage. If it’s in your budget, paying higher deductibles can help you lower your premium, though it does expose you to higher out-of-pocket expenses if you need to file a claim. Still, the financial risk is smaller compared to if you lowered your limits instead.

The most expensive city for car insurance is Decatur, with an average annual premium of $3,391. That’s over $600 higher than the state average of $2,776. Atlanta also has an above-average rate of $3,265 annually.

Conversely, one of the most affordable major cities is Augusta, which has an average annual rate of $2,509, or over $270 below the state average.

Georgia drivers are required to carry at least the following minimum auto insurance:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident

Georgia’s minimum coverage limits are average compared to other states. We recommend increasing your limits and considering full coverage to limit your risk of paying out-of-pocket if you’re in an at-fault accident. Given that Georgia has a high rate of uninsured drivers, it’s also wise to add uninsured motorist coverage to your policy.

We analyze average auto insurance premiums in Georgia for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, speeding tickets, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible