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Last updated: March 21, 2023
The Cheapest Car Insurance in Georgia
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No one wants to pay more than necessary for auto insurance, so we’ve rounded up the cheapest providers in Georgia without sacrificing coverage or customer service. Let’s get started.
The Cheapest Car Insurance in Georgia by Factor
Keep in mind that auto insurance rates depend on many factors, so the average premium for good drivers, drivers with poor credit, or drivers with a clean driving record will be different. For example, someone with even a single speeding ticket or car accident in the past five years won’t be able to get the cheapest full coverage available. It’s a good idea to compare rates from multiple companies.
| Category | Cheapest company | Lowest annual car premium |
|---|---|---|
| Male | State Farm | $1,313 |
| Female | USAA | $1,200 |
| Male teens | State Farm | $3,452 |
| Female teens | Auto-Owners | $2,681 |
| Married | Mile Auto | $1,008 |
| Single | Clearcover | $1,296 |
| Military/veteran | USAA | $493 |
| Full coverage | USAA | $931 |
| Minimum coverage | Auto-Owners | $300 |
| Excellent credit | USAA | $738 |
| Good credit | USAA | $845 |
| Bad credit | USAA | $1,627 |
| 16 years old | Allstate | $3,805 |
| 17 years old | Allstate | $3,391 |
| 18 years old | Allstate | $2,951 |
| 19 years old | Allstate | $2,759 |
| 20s | Auto-Owners | $861 |
| 30s | Auto-Owners | $309 |
| 40s | Auto-Owners | $314 |
| 50s | Auto-Owners | $307 |
| 60s | Auto-Owners | $340 |
| 70s | Auto-Owners | $996 |
| Good driving record | Clearcover | $516 |
| Bad driving record | Mile Auto | $1,524 |
Best Auto Insurance in Georgia
- Allstate
- Amica
- Auto-Owners
- Direct Auto
- Esurance
- Farmers
- GAINSCO
- GEICO
- National General
- Nationwide
- Pinnacle
- Progressive
- State Farm
- The General
- USAA
How to Get Cheap Car Insurance in Georgia
- Get discounts. There are many ways to get auto insurance discounts in Georgia, including discounts for the following:
- Being accident-free
- Paying annually
- Taking a defensive driving course
- Bundling home and auto insurance
- Get minimum coverage. Minimum coverage will cost you the absolute least, but it could lead to spending more money down the line if you get into an at-fault accident. Let us explain.
How Much Car Insurance Do You Need in Georgia?
Like almost all of the states in the U.S., Georgia requires auto insurance whether you own or lease your vehicle. Minimum coverage is the bare minimum required by law, while full coverage includes uninsured motorist coverage. In Georgia, you must have liability coverage for property damage and bodily injury.
- Property damage: The minimum coverage for property damage liability coverage is $25,000.
- Bodily injury: The minimum bodily injury liability coverage is $25,000 for accidents involving one person and $50,000 for accidents involving more than one person.1
These requirements are pretty bare-bones, and for most drivers, they won’t be sufficient for events like hit-and-runs, collisions with potholes, or accidents with uninsured drivers. We recommend getting the following additional coverage.
- Uninsured/underinsured motorist coverage: If you’re the victim of a hit-and-run or get into an accident with an uninsured/underinsured motorist, you can get reimbursed for costs from these incidents. We recommend getting a minimum of $20,000 of uninsured/underinsured motorist coverage.
- Comprehensive coverage: Comprehensive coverage will reimburse you for theft or damages from incidents aside from collisions, everything from fires to floods.
- Collision coverage: Collision coverage will cover accidents where you’re at fault, unlike property damage coverage.
DID YOU KNOW?
An estimated 12 percent of drivers in Georgia are uninsured.2
Alternative Coverage
Georgia Automobile Insurance Plan
If you can’t find coverage on your own, you might be eligible for the Georgia Automobile Insurance Plan (GAAIP). Every licensed car insurance agent can participate in this program to provide insurance to drivers. As a driver, you are eligible for the plan if you meet the below criteria:
- You can certify that you were unable to get car insurance in Georgia from at least two companies in the past 60 days.
- You have a vehicle registered in the state or one that will be registered in the state within 30 days.
NOTE:
The one exception is for military nonresidents who have vehicles registered in other states. They are eligible for the plan despite their out-of-state registration.3
To sign up, follow these steps:
- Register online. You’ll need to create an online account through the Electronic Application Submission interface (EASi), but ironically, it requires filling out and sending a paper form from https://easi.aipso.com/pdf/registrations/GAregistration.pdf. Send it to:
- Georgia Automobile Insurance Plan
- P.O. Box 6530
- Providence, RI 02940
- Log in. Once you receive your username and password, you can log in to the EASi at https://easi.aipso.com/forms/EASiLogin.aspx.
Alternatively, you can apply through snail mail using the application at https://www.aipso.com/Portals/0/PlanSites/Georgia/GA%20Priv%20Pass%20App%20AIP4080%201-22.pdf?ver=2022-01-04-100926-373. Send it to the same address as above.
If you want to learn more, contact the Automobile Insurance Plan Service Office (AIPSO) directly.
- Email address: southeast@aipso.com
- Phone number: (800) 301-6477
- Fax number: (800) 677-7247
- Mailing address:
- Southeast Region
- P.O. Box 6530
- Providence, RI 02940
Self-Insurance
Self-insurance is an option in Georgia through surety bonds or security deposits, and there’s no minimum number of cars you must own. However, you’ll have to provide an audited statement that includes the following:
- Assets
- Liabilities (open and pending claims, net worth for the latest financial year that proves you’ll be able to meet judgments or valid claims)
- A blank copy of the self-insurance identification card that shows your vehicle’s year, model, make, VIN, etc.
As far as the surety bond or security deposit goes, you’ll have to meet certain amounts based on the number of vehicles you own.
| Number of vehicles | Sufficient net worth | Surety bond or security deposit |
|---|---|---|
| 1-50 | $100,000 | $50,000 |
| 51-100 | $150,000 | $50,000 |
| 100-150 | $200,000 | $100,000 |
| 151-200 | $250,000 | $100,000 |
| 201-250 | $300,000 | $100,000 |
| 251- 350 | $400,000 | $100,000 |
| 351 and above | $500,000 | $100,0004 |
Department of Driver Services Information
- In-person locations: https://dds.georgia.gov/locations/customer-service-center
- Phone number: (678) 413-8400
- Website: https://dds.georgia.gov/organization/about-us/contact-us
- Mailing address:
- P.O. Box 80447
- Conyers, GA 300135
Conclusion
We hope we’ve helped lead you to cheap car insurance in Georgia. Since car insurance is required in the state, if you can’t find it on your own accord, the state will connect you to a provider through the GAAIP. Learn more in our FAQs below.
Frequently Asked Questions
How much does car insurance cost per month in Georgia?
On average, car insurance costs $105 per month in Georgia, according to data from the National Association of Insurance Commissioners. That is 20 percent higher than the national average.
Can you go to jail for not having car insurance in Georgia?
Yes, you can go to jail for not having insurance in Georgia. For the first and second offenses, you could go to jail for up to a year. For the third offense, the state can determine the length of imprisonment.
Which company has the cheapest car insurance in Georgia for people in their 20s?
Auto-Owners offers the cheapest car insurance in Georgia for people in their 20s, with rates as low as $861 per year. You could pay up to $2,775 for car insurance annually, though, based on your circumstances.
Why is car insurance in Georgia so expensive?
Car insurance in Georgia is so expensive for several reasons.
- High car repair cost: According to a 2020 CarMD report, Georgia’s average auto repair cost is $409.92, 6 percent higher than the national average.
- High motor vehicle fatality rate: Georgia’s motor vehicle fatality rate is 1,491 deaths per 100 million vehicle miles driven, 53 percent higher than the national average.
- Coastal state: Since Georgia is on the East Coast, it is prone to floods and hurricanes, leading to more comprehensive claims.
Citations
Auto Insurance. Office of Commissioner of Insurance and Safety Fire. (2022).
https://oci.georgia.gov/insurance-resources/autoOne in Eight Drivers Uninsured. Insurance Research Council. (2021, Mar 22).
https://www.insurance-research.org/sites/default/files/downloads/UM%20NR%20032221.pdfAIPSO Login Page. AIPSO. (2022).
https://www.aipso.com/LoginSubject 120-2-46 AUTOMOBILE SELF-INSURANCE REGULATION. Rules and Regulations of the State of Georgia. (2022).
http://rules.sos.ga.gov/gac/120-2-46Contact Us. Georgia Department of Driver Services. (2022).
https://dds.georgia.gov/organization/about-us/contact-us
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