Best Car Insurance Georgia: Top Companies 2021

Last modified: December 25, 2020

Are you looking for affordable car insurance in Georgia?  

Auto insurance requirements in the Peach State are pretty basic. The Empire State of the North only demands basic liability insurance to drive legally. But basic does not necessarily always mean good. 

If you head to the road with only the minimum insurance needed, you could possibly end up with colossal bills to pay out of your personal pocket. 

So why not shield yourself against such unforeseeable expenses and damages. Read this review to find out about auto insurance companies that offer the best car insurance in Georgia.

What Are State Minimum Requirements?

Georgia, like many other U.S. states, has auto insurance minimum liability requirements that you must fulfill to be able to drive legally. In case you do not have adequate insurance you can be charged with the offense of “Driving Without Insurance” in Georgia. 

It is a misdemeanor that can result in fines of up to $1,000 or up to 12 months in jail. Moreover, you will also face license suspension for 60 to 90 days.

In addition, to meet Georgia minimum car insurance requirement, you must have liability insurance to cover any unforeseen event or damages. Liability insurance pays for property damage and injuries you cause to someone else on the road. 

If another driver hits your vehicle, you can easily make a claim against their liability vehicle insurance or litigate them for your personal injuries and damages. 

Georgia Car Insurance Requirements

Vehicle owners in Peach State must have liability coverage that at least entails:

  • $50,000 for bodily injury to more than one person in an accident
  • $25,000 for bodily injury to one person
  • $25,000 for damage to property in one accident

If you cause a car accident and your liability insurance does not pay for everybody’s bills, remember that you can still be sued for the rest. That is the financial jeopardy of low liability limits. If you have valuable assets such as savings that you could potentially lose in a lawsuit, it makes perfect sense to acquire higher liability coverage limits.

Average Cost of Auto Insurance in Georgia

Auto insurance is generally inexpensive in Georgia. The average car insurance cost in Georgia is $1,388 per year. This makes it less than the nationwide average by 2.8%. 

In the table below, we have mentioned the average car insurance cost in Georgia. Keep in mind that your insurance policy rates can vary. Car insurance companies in Georgia decide your insurance rates according to several factors such as your driving record, age, past claims, marital status, vehicle model, zip code, etc. 

Georgia Average Costs by Age and Gender

Age  Average Price for Men Average Price for Women
25  $1,791 $1,633
35  $1,336 $1,352
60  $1,249 $1,215

 

Out of the age group presented in the table, 60-year-old drivers have the lowest car insurance rates in Georgia whereas people who are in their mid-20s have the highest auto insurance rates. 

The table below displays that there are several low-cost auto insurance options in Georgia.

Cost of Car Insurance by Top Cities

City Average Rate
Atlanta  $1,757.28
Columbus  $1,416.93
Augusta  $1,517
Macon $1,703

Cheapest Providers

Here is the list of car insurance quotes in Georgia. The numbers show rates per year:

  1. GEICO: $1,487
  2. USAA: $931 
  3. State Farm: $1,414 
  4. Country Financial: $1,447 
  5. Mercury: $1,692 
  6. Esurance: $1,775 
  7. MetLife: $1,940 
  8. Progressive: $1,170.87
  9. Nationwide: $1,372
  10. Allstate: $1,394

The cheapest car insurance in Georgia is provided by USAA ($931) and Progressive ($1,170.87).  Before purchasing an auto insurance policy, ensure that you have read all the terms and conditions and thoroughly understood the extent of coverage the company offers.

The table below shows the categories of different kinds of drivers and the best auto insurance companies in Georgia, which offers the cheapest insurance rates for the particular category:

Category Cheapest Company
Single Young Adult Drivers GEICO
Married Adult Drivers GEICO
Senior Drivers GEICO
Drivers with Good Credit GEICO
Drivers with Poor Credit GEICO
Drivers with a Clean Record GEICO 
Drivers with One Speeding Violation   GEICO
Drivers with One Accident GEICO 
Drivers with One DUI State Farm 
Low-mileage Drivers GEICO
High-mileage Drivers GEICO
Drivers with Low Coverage GEICO
Drivers with High Coverage GEICO
Drivers with Used Cars GEICO
Drivers with New Cars GEICO

Note: USAA has restricted membership. Due to this, we did not include them in this evaluation.

Georgia Auto Insurance, Traffic Rules, and Fines

Georgia has specific laws related to auto insurance. Failing to comply with them can make your insurance rates go up. Some of the most important laws are: 

  • You can’t text when driving, or else you’ll be charged with a fine of $150.
  • Driving while intoxicated can lead to a fine of $200. 
  • If you drive an unregistered vehicle you’ll be charged with a fine of $300. 
  • Driving a vehicle without license plates can lead to fines up to  $100.

Best Car Insurance Companies in Georgia

Company Provisions & Coverage Ratings Discounts Costs 
GEICO
  • Medical payments 
  • Property damage liability
  • Bodily injury liability
  • Collision coverage 
AM Best – A++

S&P – AA+

  • Driving for 5 years with no past accident history 
  • Multi-vehicle discount
  • Using seat belts
  • Having good grades, if you or somebody on your policy is a full-time student of 16 to 24 years old
$1,168
USAA
  • Rideshare insurance 
  • Accident forgiveness
S&P – AA+ 

AM Best – A++

  • Safe driver discount
  • Defensive driving discount
  • Multi-vehicle discount
  • If a car is 3 years old or less
  • Good student discount
  • Yearly mileage discount
  • Vehicle storage discount
  • Discount for people younger than 21 who’ve undergone a basic driver training course
  • Family discount
  • Length of membership discount
$885
State Farm
  • Rental car and travel expenses coverage
  • Rideshare insurance
  • The Steer Clear Driver Program 
  • Drive Safe & Save
AM Best – A+
  • Driver safety course
  • Good student discount
  • Anti-theft device discount
  • Discount if you are 21 or below with an approved driver education course
  • Passive restraint discount
  • Vehicle safety discount
$1,234
Progressive 
  • Comprehensive coverage 
  • Collision coverage 
  • Bodily injury liability
  • Medical payments
  • Property damage liability
  • Roadside assistance
  • Rideshare coverage
AM Best – A+

S&P – AA 

  • Safe-driving discounts
  • Teen driver discount
  • Good student discount
  • Homeowner discount
  • Distant student discount
  • Multi-policy
  • Multi-car
  • Continuous insurance
$1,170.87

Detailed Reviews

GEICO 

GEICO is one of the most credible auto insurance providers in Georgia. GEICO offers excellent coverage plans to drivers in the Peach State. Apart from basic auto insurance coverage plans, it offers drivers mechanical breakdown coverage and ridesharing insurance. 

You can easily receive a quote for your vehicle through GEICO’s official website. Moreover, it has a virtual assistant that can answer any queries that you might have related to their insurance policy. 

USAA 

USAA insurance is comparatively cheaper than other auto insurance providers and offers excellent auto insurance coverage plans for Georgia drivers. As the table above shows, it has a very strong financial rating, which indicates that it can pay off financial liabilities with ease. 

It scores quite well when it comes to customer satisfaction. 

One of the shortcomings of USAA is that it has very limited membership due to strict qualification requirements.

State Farm

On average, State Farm’s auto coverage plans will cost you around $1,234 per year. State Farm has a solid network of professional agents that are available for assistance 24/7. Customers are also mostly satisfied with its performance related to claims handling.   

Progressive 

Progressive insurance is a giant in the insurance world and has over 18 million customers. The company manages to attract and maintain so many customers with an unrelenting commitment to saving them money on their auto insurance rates. 

Progressive was the pioneer in offering safe-driving discounts, which makes it an excellent choice for people with a good driving record. Even today, people who switch to Progressive auto insurance in Georgia save an average of $699 per year.

Closing Thoughts

How did you find our list of the best car insurance in Georgia? To save yourself from unforeseen accident costs, make sure you get auto insurance. What kind of insurance plan is good for you depends entirely on your driving habits, and car make. Thus, closely analyze your coverage requirements and driving habits to choose a company that best fits your needs. 

 

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

Why is auto insurance in Georgia so expensive?

Auto insurance in Georgia is expensive because it has some of the most accident-prone highways in the U.S. Moreover, the state has also given insurance providers the right to increase premiums without taking any approval from the state insurance commissioner.

Is Georgia a “no-fault” state?

No, Georgia is not a “no-fault” state when it comes to auto insurance claims. Rather it is an “at-fault” state, which means that if you are ever involved in a car crash, you can be sued by the other party involved in the crash.

How to reduce Georgia car insurance rates?

The best way to cut car insurance charges in Georgia is to avail of discounts offered by numerous auto insurance providers.

What is the best auto insurance in Georgia?

In the next section of the review, we’ve listed some of the best auto insurance providers in Georgia.