$1,334/year
Cheapest Full Coverage: Georgia Farm Bureau
$1,782/year
Also Cheap for Full: Auto-Owners
$3,338/year
Cheapest for Bad Credit: Geico
+More Options
Find the Cheapest Car Insurance Quotes in Georgia
It’s free, simple and secure.
Cheapest Full-Coverage Car Insurance in Georgia: Farm Bureau
Georgia Farm Bureau provides the cheapest full-coverage car insurance in Georgia, with average annual rates of $1,334. This equates to approximately $111 per month, a 39% saving compared to the state average of $183 per month.
Following Farm Bureau, USAA and Auto-Owners are the next most affordable options for full-coverage insurance, offering rates around $131 and $149 per month, respectively. It’s important to note that USAA insurance is exclusively available to military personnel, veterans, and their families.
Chart showing the cheapest car insurance companies in Georgia for full coverage based on annual rates.
Full-Coverage Auto Insurance Rates
| Company | Annual Rate | LendingTree Score |
|---|---|---|
| Farm Bureau | $1,334 | |
| Auto-Owners | $1,782 | |
| Geico | Geico | $2,331 |
| State Farm | $2,378 | |
| Progressive | $2,927 | |
| Allstate | $3,029 | |
| USAA* | $1,576 |
Find the Cheapest Car Insurance Quotes in Georgia
It’s free, simple and secure.
Full-coverage car insurance encompasses both collision and comprehensive coverage, designed to protect your vehicle against a wide array of damages and theft. Collision coverage addresses damages resulting from accidents with other vehicles or objects, typically when you are at fault. Comprehensive coverage, on the other hand, protects against non-collision incidents such as fire, natural disasters, vandalism, and theft. It’s important to note that while comprehensive insurance covers vehicle theft, it generally does not extend to personal belongings within the car.
To secure the most affordable full-coverage policy in Georgia, it is highly recommended to compare car insurance quotes from multiple providers before making a purchase or renewal.
Georgia’s Cheapest Liability Auto Insurance: Farm Bureau
Farm Bureau also offers the cheapest liability auto insurance in Georgia, costing approximately $47 per month. Auto-Owners emerges as the next most affordable option for liability coverage, with rates around $55 monthly for most drivers. Both Farm Bureau and Auto-Owners present liability insurance options significantly below the state average of $80 per month.
While Auto-Owners is slightly more expensive than Farm Bureau, it provides additional features not available through Farm Bureau, including gap insurance and accident forgiveness. Gap insurance is particularly beneficial for those who owe more on their car loan than the vehicle’s actual worth, covering the difference in case of a total loss. Accident forgiveness can prevent your rates from increasing after your first at-fault accident.
Minimum-Liability Auto Insurance Rates
| Company | Annual Rate |
|---|---|
| Farm Bureau | $569 |
| Auto-Owners | $665 |
| Geico | $971 |
| Progressive | $1,012 |
| State Farm | $1,220 |
| Allstate | $1,688 |
| USAA* | $619 |
Cheap Auto Insurance for Young Georgia Drivers: Farm Bureau
For young drivers, Georgia Farm Bureau stands out as the provider of the cheapest car insurance for teens. Farm Bureau’s liability insurance for young drivers averages $156 per month, which is 49% less than the state average of $304 per month.
Furthermore, Farm Bureau’s full-coverage rate for young drivers is also the most competitive in Georgia, averaging $354 per month. This is 44% lower than the state average of $635 per month.
Young drivers may qualify for even lower rates from Farm Bureau by maintaining good academic standing and completing a certified driver training program.
Auto-Owners also offers a discount for good grades to teen drivers, but does not provide a discount for completing driver training. However, Auto-Owners does offer discounts to teens who demonstrate safe driving habits through the use of in-car tracking devices or smartphone apps.
Annual Insurance Rates for Teens
| Company | Liability | Full Coverage |
|---|---|---|
| Farm Bureau | $1,876 | $4,249 |
| Auto-Owners | $2,574 | $5,078 |
| Geico | $3,403 | $7,330 |
| State Farm | $4,240 | $7,390 |
| Progressive | $5,369 | $14,144 |
| Allstate | $6,556 | $11,629 |
| USAA* | $1,526 | $3,525 |
Georgia’s Cheapest Car Insurance After a Speeding Ticket: Farm Bureau
Drivers with a less-than-perfect driving record should consider getting a quote from Farm Bureau. Farm Bureau offers the cheapest auto insurance in Georgia for drivers with a speeding ticket, at approximately $122 per month.
Auto-Owners offers the next cheapest rate after a speeding ticket, at around $149 per month.
In Georgia, a speeding ticket can increase the average cost of car insurance by 17%, bringing the average monthly premium to $213.
GA Auto Insurance Rates After a Ticket
| Company | Annual Rate |
|---|---|
| Farm Bureau | $1,460 |
| Auto-Owners | $1,782 |
| State Farm | $2,545 |
| Geico | $2,820 |
| Allstate | $3,450 |
| Progressive | $3,928 |
| USAA* | $1,947 |
Cheapest Georgia Insurance Quotes After an Accident: Farm Bureau
Farm Bureau also provides Georgia’s cheapest auto insurance rates after an at-fault accident, at about $122 per month. Farm Bureau’s rate is 39% lower than State Farm’s rate of $198 per month for drivers in similar circumstances.
Car insurance rates in Georgia typically increase by an average of 47% after an accident, resulting in an average monthly cost of $269. Accident forgiveness coverage can protect policyholders from such rate increases.
To benefit from accident forgiveness, it must be added to your policy before an accident occurs. Companies like Auto-Owners, Allstate, and Progressive offer accident forgiveness options. While it often involves an additional cost, Progressive provides both paid and free accident forgiveness options under certain conditions.
Auto Insurance Rates After an Accident
| Company | Annual Rate |
|---|---|
| Farm Bureau | $1,460 |
| State Farm | $2,378 |
| Auto-Owners | $2,564 |
| Geico | $4,165 |
| Allstate | $4,877 |
| Progressive | $4,889 |
| USAA* | $2,256 |
Best Insurance Rates for Georgia Teens with a Bad Driving Record: Farm Bureau
For young drivers in Georgia with a history of driving infractions, Farm Bureau typically offers the most affordable auto insurance. Farm Bureau has the lowest rates in the state for teen drivers who have a prior speeding ticket or have been involved in an at-fault accident.
- Farm Bureau charges teens with a prior ticket approximately $172 per month for liability car insurance. This is 51% less than the state average of $350 per month.
- For teens with a prior accident, Farm Bureau’s rates also average around $172 per month. This is 57% less than the state average of $398 per month.
Annual Rates for Teens After a Ticket or Accident
| Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $2,063 | $2,063 |
| Auto-Owners | $2,574 | $4,119 |
| Geico | $4,019 | $4,713 |
| State Farm | $4,605 | $4,240 |
| Progressive | $5,956 | $6,423 |
| Allstate | $7,703 | $9,147 |
| USAA* | $2,480 | $2,737 |
Find the Cheapest Car Insurance Quotes in Georgia
It’s free, simple and secure.
Best Car Insurance Rates for Georgia Drivers with a DUI: Farm Bureau
Farm Bureau provides Georgia’s cheapest DUI insurance, with average rates of $215 per month.
Farm Bureau’s rate is 42% lower than the state average of $368 per month for drivers with a DUI on their record. It is also 24% cheaper than the next most affordable option, Auto-Owners, which charges around $284 per month.
GA Insurance Rates After a DUI
| Company | Annual Rate |
|---|---|
| Farm Bureau | $2,580 |
| Auto-Owners | $3,411 |
| Progressive | $3,989 |
| Allstate | $4,178 |
| State Farm | $6,563 |
| Geico | $7,054 |
| USAA* | $3,152 |
Cheap Car Insurance Rates in Georgia for Bad Credit: Geico
Geico offers the cheapest car insurance for drivers with bad credit in Georgia, with an average monthly rate of $278. This is 24% less than the state average of $368 per month.
Progressive comes in as the next cheapest option for drivers with poor credit, with rates averaging $372 per month.
Insurance companies often consider credit history, including payment patterns and debt levels, when determining insurance premiums. Maintaining timely payments and reducing debt can potentially lead to lower insurance rates or help keep them affordable.
Insurance Rates for Drivers with Bad Credit
| Company | Annual Rate |
|---|---|
| Geico | $3,338 |
| Progressive | $4,468 |
| Auto-Owners | $4,691 |
| Allstate | $5,116 |
| State Farm | $9,054 |
| USAA* | $2,897 |
Best Car Insurance Companies in Georgia
Auto-Owners and State Farm are recognized as leading car insurance companies in Georgia. Auto-Owners receives high overall ratings due to its competitive rates and flexible coverage options.
While State Farm’s car insurance rates are generally higher than Auto-Owners, it boasts slightly better customer satisfaction ratings according to J.D. Power.
Auto-Owners may be a more suitable choice if you require gap insurance or desire accident forgiveness, which State Farm does not offer. However, State Farm provides rideshare insurance, a feature not available through Auto-Owners.
Georgia Car Insurance Company Ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Auto-Owners | 654 | A++ | |
| Farm Bureau | Not rated | B++ | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ |
*USAA insurance is exclusively for military members and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. A higher score indicates better performance; the average score is 644.
Farm Bureau offers the most affordable rates for most drivers in Georgia. However, Farm Bureau’s coverage options are limited to basic protections like liability and collision. For additional features such as accident forgiveness, gap insurance, or rideshare coverage, choosing a different provider is necessary.
To obtain insurance from Georgia Farm Bureau, membership is required at an annual cost of $35.
Georgia Car Insurance Rates by City
Remerton and Valdosta are the cheapest cities in Georgia for car insurance, with average monthly rates of $144. The neighboring cities of Dasher and Hahira in Lowndes County follow closely, with average rates of $145 per month.
Clarkston, located in the Atlanta metropolitan area, has the highest car insurance rates in the state, averaging $289 per month. This is 58% higher than the Georgia state average.
Drivers in Atlanta pay an average of $238 per month for car insurance, which is 30% above the state average. In contrast, Augusta drivers pay an average of $178 per month, which is 2% less than the state average.
Car Insurance Rates Near You
| City | Annual Rate | % from State Average |
|---|---|---|
| Abbeville | $2,026 | -7% |
| Acworth | $2,382 | 9% |
| Adairsville | $2,136 | -2% |
| Adel | $1,807 | -17% |
| Adrian | $2,113 | -3% |
| Ailey | $2,128 | -2% |
| Alamo | $2,094 | -4% |
| Alapaha | $1,934 | -11% |
| Albany | $2,001 | -8% |
| Aldora | $2,196 | 1% |
| Allenhurst | $1,981 | -9% |
| Allentown | $2,170 | 0% |
| Alma | $2,000 | -8% |
| Alpharetta | $2,390 | 10% |
| Alston | $2,190 | 1% |
| Alto | $2,114 | -3% |
| Ambrose | $1,932 | -11% |
| Americus | $2,070 | -5% |
| Andersonville | $2,016 | -7% |
| Appling | $2,096 | -4% |
| Arabi | $2,031 | -7% |
| Aragon | $2,331 | 7% |
| Argyle | $1,925 | -12% |
| Arlington | $2,017 | -7% |
| Armuchee | $2,108 | -3% |
| Arnoldsville | $2,097 | -4% |
| Ashburn | $1,998 | -8% |
| Athens | $2,084 | -4% |
| Atlanta | $2,859 | 31% |
| Attapulgus | $1,862 | -14% |
| Auburn | $2,482 | 14% |
| Augusta | $2,141 | -2% |
| Austell | $2,910 | 34% |
| Avera | $2,002 | -8% |
| Avondale Estates | $2,917 | 34% |
| Axson | $1,928 | -11% |
| Baconton | $1,933 | -11% |
| Bainbridge | $1,883 | -13% |
| Baldwin | $2,041 | -6% |
| Ball Ground | $2,238 | 3% |
| Barnesville | $2,178 | 0% |
| Barney | $1,809 | -17% |
| Bartow | $2,068 | -5% |
| Barwick | $1,961 | -10% |
| Baxley | $1,985 | -9% |
| Bellville | $2,175 | 0% |
| Belvedere Park | $3,138 | 44% |
| Berkeley Lake | $2,596 | 19% |
| Berlin | $1,967 | -10% |
| Bethlehem | $2,489 | 14% |
| Bishop | $2,306 | 6% |
| Blackshear | $1,893 | -13% |
| Blairsville | $1,991 | -9% |
| Blakely | $1,900 | -13% |
| Bloomingdale | $2,171 | 0% |
| Blue Ridge | $2,077 | -5% |
| Bluffton | $1,977 | -9% |
| Blythe | $2,156 | -1% |
| Bogart | $2,130 | -2% |
| Bolingbroke | $2,312 | 6% |
| Bonaire | $2,064 | -5% |
| Bonanza | $2,871 | 32% |
| Boneville | $2,080 | -4% |
| Boston | $1,837 | -16% |
| Bostwick | $2,402 | 10% |
| Bowdon | $2,229 | 2% |
| Bowdon Junction | $2,244 | 3% |
| Bowersville | $1,976 | -9% |
| Bowman | $1,982 | -9% |
| Box Springs | $2,249 | 3% |
| Braselton | $2,305 | 6% |
| Bremen | $2,277 | 5% |
| Brinson | $1,898 | -13% |
| Bristol | $1,911 | -12% |
| Bronwood | $2,062 | -5% |
| Brookfield | $1,987 | -9% |
| Brooklet | $2,113 | -3% |
| Brooks | $2,179 | 0% |
| Broxton | $1,968 | -10% |
| Brunswick | $1,833 | -16% |
| Buchanan | $2,323 | 7% |
| Buckhead | $2,118 | -3% |
| Buena Vista | $2,201 | 1% |
| Buford | $2,458 | 13% |
| Butler | $2,236 | 3% |
| Byromville | $2,131 | -2% |
| Byron | $2,134 | -2% |
| Cadwell | $2,028 | -7% |
| Cairo | $1,875 | -14% |
| Calhoun | $2,092 | -4% |
| Calvary | $1,906 | -12% |
| Camak | $2,055 | -6% |
| Camilla | $1,900 | -13% |
| Candler-McAfee | $3,389 | 56% |
| Canon | $1,953 | -10% |
| Canton | $2,241 | 3% |
| Carlton | $2,039 | -6% |
| Carnesville | $1,988 | -9% |
| Carrollton | $2,257 | 4% |
| Cartersville | $2,271 | 4% |
| Cassville | $2,312 | 6% |
| Cataula | $2,145 | -1% |
| Cave Spring | $2,212 | 2% |
| Cecil | $1,899 | -13% |
| Cedar Springs | $1,978 | -9% |
| Cedartown | $2,230 | 2% |
| Centerville | $2,163 | -1% |
| Centralhatchee | $2,193 | 1% |
| Chamblee | $2,533 | 16% |
| Chatsworth | $1,941 | -11% |
| Chattahoochee Hills | $2,668 | 23% |
| Chattanooga Valley | $1,958 | -10% |
| Chauncey | $2,040 | -6% |
| Cherry Log | $2,106 | -3% |
| Chester | $2,035 | -7% |
| Chestnut Mountain | $2,251 | 3% |
| Chickamauga | $1,948 | -11% |
| Chula | $1,917 | -12% |
| Cisco | $2,064 | -5% |
| Clarkdale | $2,738 | 26% |
| Clarkesville | $1,995 | -8% |
| Clarkston | $3,465 | 59% |
| Claxton | $2,065 | -5% |
| Clayton | $1,999 | -8% |
| Clermont | $2,148 | -1% |
| Cleveland | $2,093 | -4% |
| Climax | $1,899 | -13% |
| Clinchfield | $2,071 | -5% |
| Clyo | $2,154 | -1% |
| Cobb | $2,065 | -5% |
| Cobbtown | $2,114 | -3% |
| Cochran | $2,023 | -7% |
| Cohutta | $1,947 | -11% |
| Colbert | $2,133 | -2% |
| Coleman | $2,041 | -6% |
| College Park | $3,284 | 51% |
| Collins | $2,095 | -4% |
| Colquitt | $1,895 | -13% |
| Columbus | $2,268 | 4% |
| Comer | $2,082 | -4% |
| Commerce | $2,139 | -2% |
| Concord | $2,210 | 2% |
| Conley | $3,141 | 44% |
| Conyers | $2,807 | 29% |
| Coolidge | $1,912 | -12% |
| Coosa | $2,387 | 10% |
| Cordele | $2,062 | -5% |
| Cornelia | $2,028 | -7% |
| Cotton | $1,929 | -11% |
| Country Club Estates | $1,850 | -15% |
| Covington | $2,607 | 20% |
| Crandall | $1,967 | -10% |
| Crawford | $2,114 | -3% |
| Crawfordville | $2,047 | -6% |
| Crescent | $1,986 | -9% |
| Culloden | $2,256 | 4% |
| Cumming | $2,304 | 6% |
| Cusseta | $2,164 | -1% |
| Cuthbert | $1,964 | -10% |
| Dacula | $2,496 | 15% |
| Dahlonega | $2,165 | -1% |
| Daisy | $2,172 | 0% |
| Dallas | $2,491 | 14% |
| Dalton | $1,963 | -10% |
| Damascus | $1,899 | -13% |
| Danielsville | $2,073 | -5% |
| Danville | $2,170 | 0% |
| Darien | $1,857 | -15% |
| Dasher | $1,738 | -20% |
| Davisboro | $2,041 | -6% |
| Dawson | $2,000 | -8% |
| Dawsonville | $2,229 | 2% |
| De Soto | $2,045 | -6% |
| Dearing | $1,961 | -10% |
| Decatur | $2,822 | 30% |
| Deenwood | $1,862 | -14% |
| Deepstep | $2,058 | -5% |
| Demorest | $2,026 | -7% |
| Denton | $2,080 | -4% |
| Dewy Rose | $1,987 | -9% |
| Dexter | $2,032 | -7% |
| Dillard | $2,043 | -6% |
| Dixie | $1,855 | -15% |
| Dock Junction | $1,828 | -16% |
| Doerun | $1,997 | -8% |
| Donalsonville | $1,894 | -13% |
| Doraville | $2,674 | 23% |
| Douglas | $1,964 | -10% |
| Douglasville | $2,708 | 24% |
| Dover | $2,216 | 2% |
| Druid Hills | $2,519 | 16% |
| Dry Branch | $2,332 | 7% |
| Du Pont | $1,881 | -14% |
| Dublin | $2,046 | -6% |
| Dudley | $2,086 | -4% |
| Duluth | $2,623 | 20% |
| Dunwoody | $2,527 | 16% |
| Dutch Island | $2,312 | 6% |
| East Dublin | $2,023 | -7% |
| East Ellijay | $2,147 | -1% |
| East Griffin | $2,304 | 6% |
| East Point | $3,227 | 48% |
| Eastanollee | $1,951 | -10% |
| Eastman | $2,030 | -7% |
| Eatonton | $2,125 | -2% |
| Eden | $2,166 | -1% |
| Edison | $2,023 | -7% |
| Elberton | $2,001 | -8% |
| Elko | $2,079 | -4% |
| Ellabell | $2,124 | -2% |
| Ellaville | $2,244 | 3% |
| Ellenton | $1,973 | -9% |
| Ellenwood | $3,189 | 47% |
| Ellerslie | $2,141 | -2% |
| Ellijay | $2,116 | -3% |
| Emerson | $2,264 | 4% |
| Enigma | $1,976 | -9% |
| Epworth | $2,053 | -6% |
| Esom Hill | $2,327 | 7% |
| Eton | $2,064 | -5% |
| Euharlee | $2,304 | 6% |
| Evans | $2,113 | -3% |
| Experiment | $2,293 | 5% |
| Fair Oaks | $2,738 | 26% |
| Fairburn | $2,970 | 36% |
| Fairmount | $2,087 | -4% |
| Fairview | $1,953 | -10% |
| Fargo | $1,863 | -14% |
| Farmington | $2,206 | 1% |
| Fayetteville | $2,523 | 16% |
| Felton | $2,302 | 6% |
| Fitzgerald | $1,895 | -13% |
| Fleming | $1,970 | -10% |
| Flemington | $2,020 | -7% |
| Flintstone | $1,965 | -10% |
| Flovilla | $2,271 | 4% |
| Flowery Branch | $2,264 | 4% |
| Folkston | $1,832 | -16% |
| Forest Park | $3,102 | 43% |
| Forsyth | $2,215 | 2% |
| Fort Gaines | $2,007 | -8% |
| Fort Moore | $2,205 | 1% |
| Fort Oglethorpe | $1,961 | -10% |
| Fort Stewart | $2,058 | -5% |
| Fort Valley | $2,183 | 0% |
| Fortson | $2,208 | 1% |
| Fowlstown | $1,924 | -12% |
| Franklin | $2,206 | 1% |
| Franklin Springs | $2,121 | -3% |
| Funston | $2,006 | -8% |
| Gainesville | $2,229 | 2% |
| Garden City | $2,305 | 6% |
| Garfield | $2,116 | -3% |
| Gay | $2,326 | 7% |
| Geneva | $2,308 | 6% |
| Georgetown | $2,099 | -4% |
| Gibson | $2,004 | -8% |
| Gillsville | $2,193 | 1% |
| Girard | $2,197 | 1% |
| Glenn | $2,310 | 6% |
| Glennville | $2,077 | -5% |
| Glenwood | $2,075 | -5% |
| Good Hope | $2,482 | 14% |
| Gordon | $2,188 | 1% |
| Gough | $2,127 | -2% |
| Gracewood | $2,195 | 1% |
| Grantville | $2,267 | 4% |
| Gray | $2,264 | 4% |
| Grayson | $2,627 | 21% |
| Graysville | $2,027 | -7% |
| Greensboro | $2,079 | -4% |
| Greenville | $2,227 | 2% |
| Gresham Park | $3,162 | 45% |
| Griffin | $2,258 | 4% |
| Grovetown | $2,069 | -5% |
| Gumlog | $1,971 | -9% |
| Guyton | $2,112 | -3% |
| Haddock | $2,221 | 2% |
| Hagan | $2,175 | 0% |
| Hahira | $1,745 | -20% |
| Hamilton | $2,267 | 4% |
| Hampton | $2,770 | 27% |
| Hannahs Mill | $2,169 | 0% |
| Hapeville | $3,286 | 51% |
| Haralson | $2,229 | 2% |
| Hardwick | $2,273 | 4% |
| Harlem | $2,006 | -8% |
| Harrison | $2,101 | -3% |
| Hartsfield | $1,956 | -10% |
| Hartwell | $1,934 | -11% |
| Hawkinsville | $2,006 | -8% |
| Hazlehurst | $2,063 | -5% |
| Helen | $2,079 | -4% |
| Helena | $2,061 | -5% |
| Hephzibah | $2,152 | -1% |
| Hiawassee | $1,940 | -11% |
| High Shoals | $2,408 | 11% |
| Hillsboro | $2,250 | 3% |
| Hinesville | $2,043 | -6% |
| Hiram | $2,638 | 21% |
| Hoboken | $1,849 | -15% |
| Hogansville | $2,208 | 1% |
| Holly Springs | $2,273 | 4% |
| Homer | $2,068 | -5% |
| Homerville | $1,882 | -14% |
| Hortense | $1,896 | -13% |
| Hoschton | $2,301 | 6% |
| Howard | $2,295 | 5% |
| Hull | $2,141 | -2% |
| Ideal | $2,219 | 2% |
| Ila | $2,141 | -2% |
| Indian Springs | $1,947 | -11% |
| Iron City | $1,882 | -14% |
| Irondale | $3,086 | 42% |
| Irwinton | $2,121 | -3% |
| Isle of Hope | $2,326 | 7% |
| Ivey | $2,203 | 1% |
| Jackson | $2,268 | 4% |
| Jacksonville | $2,107 | -3% |
| Jakin | $1,901 | -13% |
| Jasper | $2,179 | 0% |
| Jefferson | $2,243 | 3% |
| Jeffersonville | $2,214 | 2% |
| Jekyll Island | $1,817 | -17% |
| Jenkinsburg | $2,335 | 7% |
| Jersey | $2,680 | 23% |
| Jesup | $1,941 | -11% |
| Jewell | $2,104 | -3% |
| Johns Creek | $2,490 | 14% |
| Jonesboro | $2,997 | 38% |
| Juliette | $2,237 | 3% |
| Junction City | $2,353 | 8% |
| Kathleen | $2,071 | -5% |
| Kennesaw | $2,423 | 11% |
| Keysville | $2,051 | -6% |
| Kings Bay | $1,776 | -18% |
| Kings Bay Base | $1,771 | -19% |
| Kingsland | $1,811 | -17% |
| Kingston | $2,247 | 3% |
| Kite | $2,110 | -3% |
| Knoxville | $2,260 | 4% |
| LaFayette | $1,926 | -12% |
| Lagrange | $2,198 | 1% |
| Lake City | $3,008 | 38% |
| Lake Park | $1,765 | -19% |
| Lakeland | $1,829 | -16% |
| Lakemont | $1,969 | -10% |
| Lakeview | $1,925 | -12% |
| Lakeview Estates | $2,824 | 30% |
| Lavonia | $1,956 | -10% |
| Lawrenceville | $2,682 | 23% |
| Leary | $2,071 | -5% |
| Lebanon | $2,285 | 5% |
| Leesburg | $1,946 | -11% |
| Lenox | $1,874 | -14% |
| Leslie | $2,083 | -4% |
| Lexington | $2,056 | -6% |
| Lilburn | $2,736 | 26% |
| Lilly | $2,287 | 5% |
| Lincoln Park | $2,166 | 0% |
| Lincolnton | $2,017 | -7% |
| Lindale | $2,223 | 2% |
| Lithia Springs | $2,881 | 32% |
| Lithonia | $3,390 | 56% |
| Lizella | $2,241 | 3% |
| Locust Grove | $2,631 | 21% |
| Loganville | $2,682 | 23% |
| Lookout Mountain | $1,970 | -9% |
| Louisville | $2,055 | -6% |
| Louvale | $2,001 | -8% |
| Lovejoy | $2,829 | 30% |
| Ludowici | $2,028 | -7% |
| Lula | $2,164 | -1% |
| Lumber City | $2,107 | -3% |
| Lumpkin | $2,024 | -7% |
| Luthersville | $2,255 | 4% |
| Lyerly | $2,093 | -4% |
| Lyons | $2,116 | -3% |
| Mableton | $2,905 | 33% |
| Macon | $2,375 | 9% |
| Madison | $2,121 | -3% |
| Manassas | $2,102 | -3% |
| Manchester | $2,207 | 1% |
| Manor | $1,841 | -15% |
| Mansfield | $2,450 | 13% |
| Marble Hill | $2,211 | 2% |
| Marietta | $2,605 | 20% |
| Marshallville | $2,120 | -3% |
| Martin | $1,991 | -9% |
| Martinez | $2,114 | -3% |
| Matthews | $2,021 | -7% |
| Mauk | $2,302 | 6% |
| Maxeys | $2,157 | -1% |
| Maysville | $2,160 | -1% |
| Mc Intyre | $2,229 | 2% |
| McCaysville | $2,012 | -8% |
| McRae | $2,045 | -6% |
| Mcdonough | $2,707 | 24% |
| Meansville | $2,185 | 0% |
| Meigs | $1,967 | -10% |
| Meldrim | $2,180 | 0% |
| Menlo | $2,100 | -4% |
| Meridian | $1,994 | -8% |
| Mershon | $1,918 | -12% |
| Mesena | $2,104 | -3% |
| Metter | $2,104 | -3% |
| Midland | $2,263 | 4% |
| Midville | $2,104 | -3% |
| Midway | $2,080 | -4% |
| Milan | $2,098 | -4% |
| Milledgeville | $2,340 | 8% |
| Millen | $2,162 | -1% |
| Millwood | $1,889 | -13% |
| Milner | $2,206 | 1% |
| Milton | $2,323 | 7% |
| Mineral Bluff | $1,995 | -8% |
| Mitchell | $2,094 | -4% |
| Molena | $2,193 | 1% |
| Monroe | $2,510 | 15% |
| Montezuma | $2,153 | -1% |
| Montgomery | $2,331 | 7% |
| Monticello | $2,258 | 4% |
| Montrose | $2,031 | -7% |
| Moody AFB | $1,715 | -21% |
| Moreland | $2,198 | 1% |
| Morgan | $2,035 | -7% |
| Morganton | $2,027 | -7% |
| Morris | $1,992 | -8% |
| Morrow | $3,073 | 41% |
| Morven | $1,809 | -17% |
| Moultrie | $1,992 | -8% |
| Mount Airy | $1,979 | -9% |
| Mount Berry | $2,156 | -1% |
| Mount Vernon | $2,111 | -3% |
| Mount Zion | $2,208 | 1% |
| Mountain City | $2,121 | -3% |
| Mountain Park | $2,699 | 24% |
| Murrayville | $2,172 | 0% |
| Musella | $2,292 | 5% |
| Mystic | $1,975 | -9% |
| Nahunta | $1,898 | -13% |
| Nashville | $1,888 | -13% |
| Naylor | $1,776 | -18% |
| Nelson | $2,276 | 5% |
| Newborn | $2,300 | 6% |
| Newington | $2,280 | 5% |
| Newnan | $2,243 | 3% |
| Newton | $1,991 | -9% |
| Nicholls | $2,022 | -7% |
| Nicholson | $2,111 | -3% |
| Norcross | $2,710 | 25% |
| Norman Park | $1,939 | -11% |
| Norristown | $2,225 | 2% |
| North Atlanta | $2,514 | 15% |
| North Decatur | $2,652 | 22% |
| North Druid Hills | $2,587 | 19% |
| North Metro | $2,557 | 17% |
| Norwood | $2,045 | -6% |
| Nunez | $2,223 | 2% |
| Oakfield | $2,111 | -3% |
| Oakman | $2,146 | -1% |
| Oakwood | $2,243 | 3% |
| Ochlocknee | $1,929 | -11% |
| Ocilla | $1,870 | -14% |
| Oconee | $2,280 | 5% |
| Odum | $1,969 | -10% |
| Offerman | $1,947 | -11% |
| Oglethorpe | $2,236 | 3% |
| Oliver | $2,291 | 5% |
| Omaha | $2,000 | -8% |
| Omega | $1,917 | -12% |
| Orchard Hill | $2,243 | 3% |
| Oxford | $2,582 | 19% |
| Palmetto | $2,582 | 19% |
| Panthersville | $3,442 | 58% |
| Parrott | $2,094 | -4% |
| Patterson | $1,904 | -13% |
| Pavo | $1,911 | -12% |
| Peachtree City | $2,166 | 0% |
| Peachtree Corners | $2,581 | 19% |
| Pearson | $1,934 | -11% |
| Pelham | $1,887 | -13% |
| Pembroke | $2,043 | -6% |
| Pendergrass | $2,185 | 0% |
| Perkins | $2,176 | 0% |
| Perry | $2,048 | -6% |
| Phillipsburg | $1,901 | -13% |
| Pine Lake | $3,072 | 41% |
| Pine Mountain | $2,180 | 0% |
| Pine Mountain Valley | $2,238 | 3% |
| Pinehurst | $2,117 | -3% |
| Pineview | $2,033 | -7% |
| Pitts | $2,016 | -7% |
| Plains | $2,114 | -3% |
| Plainville | $2,113 | -3% |
| Pooler | $2,203 | 1% |
| Port Wentworth | $2,230 | 2% |
| Portal | $2,067 | -5% |
| Porterdale | $2,562 | 18% |
| Poulan | $1,979 | -9% |
| Powder Springs | $2,760 | 27% |
| Pulaski | $2,205 | 1% |
| Putney | $2,005 | -8% |
| Quitman | $1,784 | -18% |
| Rabun Gap | $1,990 | -9% |
| Ranger | $2,085 | -4% |
| Raoul | $2,116 | -3% |
| Ray City | $1,800 | -17% |
| Rayle | $2,052 | -6% |
| Rebecca | $2,010 | -8% |
| Red Oak | $2,940 | 35% |
| Redan | $3,407 | 57% |
| Reed Creek | $1,938 | -11% |
| Register | $2,059 | -5% |
| Reidsville | $2,071 | -5% |
| Remerton | $1,733 | -20% |
| Rentz | $2,029 | -7% |
| Resaca | $2,039 | -6% |
| Rex | $2,930 | 35% |
| Reynolds | $2,235 | 3% |
| Rhine | $2,030 | -7% |
| Riceboro | $2,021 | -7% |
| Richland | $2,042 | -6% |
| Richmond Hill | $2,113 | -3% |
| Rincon | $2,130 | -2% |
| Ringgold | $1,943 | -11% |
| Rising Fawn | $1,994 | -8% |
| Riverdale | $3,149 | 45% |
| Roberta | $2,244 | 3% |
| Robins AFB | $2,190 | 1% |
| Rochelle | $2,030 | -7% |
| Rock Spring | $1,943 | -11% |
| Rockledge | $2,050 | -6% |
| Rockmart | $2,359 | 8% |
| Rocky Face | $1,959 | -10% |
| Rocky Ford | $2,189 | 1% |
| Rome | $2,179 | 0% |
| Roopville | $2,228 | 2% |
| Rossville | $1,950 | -10% |
| Roswell | $2,408 | 11% |
| Royston | $1,996 | -8% |
| Rupert | $2,251 | 3% |
| Russell | $2,435 | 12% |
| Rutledge | $2,230 | 2% |
| Rydal | $2,199 | 1% |
| Sale City | $1,942 | -11% |
| Sandersville | $2,044 | -6% |
| Sandy Springs | $2,509 | 15% |
| Sapelo Island | $1,990 | -9% |
| Sardis | $2,181 | 0% |
| Sargent | $2,383 | 9% |
| Sasser | $2,040 | -6% |
| Satilla | $2,072 | -5% |
| Sautee Nacoochee | $2,040 | -6% |
| Savannah | $2,360 | 8% |
| Scotland | $2,128 | -2% |
| Scottdale | $3,114 | 43% |
| Screven | $1,976 | -9% |
| Sea Island | $1,821 | -16% |
| Senoia | $2,134 | -2% |
| Seville | $2,109 | -3% |
| Shady Dale | $2,253 | 3% |
| Shannon | $2,165 | -1% |
| Sharon | $2,241 | 3% |
| Sharpsburg | $2,260 | 4% |
| Shellman | $2,037 | -6% |
| Shiloh | $2,267 | 4% |
| Siloam | $2,145 | -1% |
| Silver Creek | $2,265 | 4% |
| Skidaway Island | $2,179 | 0% |
| Sky Valley | $1,998 | -8% |
| Smarr | $2,268 | 4% |
| Smithville | $2,026 | -7% |
| Smyrna | $2,593 | 19% |
| Snellville | $2,806 | 29% |
| Social Circle | $2,487 | 14% |
| Soperton | $2,101 | -3% |
| Sparks | $1,838 | -16% |
| Sparta | $2,191 | 1% |
| Springfield | $2,121 | -3% |
| St. George | $1,911 | -12% |
| St. Marys | $1,777 | -18% |
| St. Simons | $1,831 | -16% |
| St. Simons Island | $1,866 | -14% |
| Stapleton | $1,973 | -9% |
| Statenville | $1,909 | -12% |
| Statesboro | $2,103 | -3% |
| Statham | $2,285 | 5% |
| Stephens | $2,037 | -6% |
| Stillmore | $2,142 | -2% |
| Stockbridge | $2,803 | 29% |
| Stockton | $1,831 | -16% |
| Stone Mountain | $3,255 | 50% |
| Suches | $2,010 | -8% |
| Sugar Hill | $2,487 | 14% |
| Sugar Valley | $2,031 | -7% |
| Summerville | $2,043 | -6% |
| Sumner | $2,016 | -7% |
| Sunny Side | $2,291 | 5% |
| Sunnyside | $1,841 | -15% |
| Surrency | $2,004 | -8% |
| Suwanee | $2,545 | 17% |
| Swainsboro | $2,101 | -3% |
| Sycamore | $2,034 | -7% |
| Sylvania | $2,238 | 3% |
| Sylvester | $2,012 | -8% |
| Talahi Island | $2,204 | 1% |
| Talbotton | $2,260 | 4% |
| Talking Rock | $2,088 | -4% |
| Tallapoosa | $2,196 | 1% |
| Tallulah Falls | $2,114 | -3% |
| Talmo | $2,250 | 3% |
| Tarrytown | $2,112 | -3% |
| Tate | $2,237 | 3% |
| Taylorsville | $2,302 | 6% |
| Temple | $2,371 | 9% |
| Tennga | $2,005 | -8% |
| Tennille | $2,055 | -6% |
| The Rock | $2,184 | 0% |
| Thomaston | $2,168 | 0% |
| Thomasville | $1,892 | -13% |
| Thomson | $1,961 | -10% |
| Thunderbolt | $2,438 | 12% |
| Tifton | $1,906 | -12% |
| Tiger | $1,972 | -9% |
| Tignall | $1,991 | -9% |
| Toccoa | $1,957 | -10% |
| Toccoa Falls | $2,111 | -3% |
| Toomsboro | $2,082 | -4% |
| Townsend | $1,919 | -12% |
| Trenton | $1,995 | -8% |
| Trion | $2,040 | -6% |
| Tucker | $2,744 | 26% |
| Tunnel Hill | $1,959 | -10% |
| Turin | $2,281 | 5% |
| Turnerville | $2,111 | -3% |
| Twin City | $2,098 | -4% |
| Ty Ty | $1,960 | -10% |
| Tybee Island | $2,154 | -1% |
| Tyrone | $2,318 | 6% |
| Unadilla | $2,115 | -3% |
| Union City | $3,204 | 47% |
| Union Point | $2,056 | -6% |
| Unionville | $1,898 | -13% |
| Upatoi | $2,213 | 2% |
| Uvalda | $2,102 | -3% |
| Valdosta | $1,733 | -20% |
| Varnell | $2,035 | -7% |
| Vidalia | $2,123 | -2% |
| Vienna | $2,113 | -3% |
| Villa Rica | $2,422 | 11% |
| Vinings | $2,491 | 14% |
| Waco | $2,232 | 3% |
| Wadley | $2,080 | -4% |
| Waleska | $2,232 | 3% |
| Walnut Grove | $2,676 | 23% |
| Walthourville | $2,054 | -6% |
| Waresboro | $1,977 | -9% |
| Warm Springs | $2,123 | -2% |
| Warner Robins | $2,164 | -1% |
| Warrenton | $2,027 | -7% |
| Warthen | $2,074 | -5% |
| Warwick | $2,115 | -3% |
| Washington | $2,007 | -8% |
| Watkinsville | $2,078 | -5% |
| Waverly | $1,849 | -15% |
| Waverly Hall | $2,218 | 2% |
| Waycross | $1,852 | -15% |
| Waynesboro | $2,115 | -3% |
| Waynesville | $1,943 | -11% |
| Webster County | $2,126 | -2% |
| West Green | $1,977 | -9% |
| West Point | $2,188 | 1% |
| Weston | $2,054 | -6% |
| Whigham | $1,905 | -12% |
| White | $2,275 | 5% |
| White Oak | $1,868 | -14% |
| White Plains | $2,113 | -3% |
| Whitemarsh Island | $2,205 | 1% |
| Whitesburg | $2,413 | 11% |
| Wildwood | $1,960 | -10% |
| Wiley | $2,112 | -3% |
| Willacoochee | $1,908 | -12% |
| Williamson | $2,223 | 2% |
| Wilmington Island | $2,193 | 1% |
| Winder | $2,431 | 12% |
| Winston | $2,557 | 17% |
| Winterville | $2,118 | -3% |
| Woodbine | $1,802 | -17% |
| Woodbury | $2,151 | -1% |
| Woodland | $2,234 | 3% |
| Woodstock | $2,349 | 8% |
| Wray | $1,892 | -13% |
| Wrens | $1,992 | -8% |
| Wrightsville | $2,115 | -3% |
| Yatesville | $2,231 | 3% |
| Young Harris | $1,971 | -9% |
| Zebulon | $2,215 | 2% |
Georgia Car Insurance Laws
In Georgia, it is mandatory to maintain liability car insurance for every registered vehicle. Proof of insurance must be carried in your car at all times, and the state actively monitors vehicle insurance status electronically.
Insurance companies are required to report new policies and cancellations to the Department of Revenue. The department’s automated system will send a notification if a lapse in insurance coverage is detected. Should you receive such a notice, it is crucial to rectify your insurance documentation promptly to avoid penalties.
Driving without insurance in Georgia can result in penalties, including fines and potential suspension of your vehicle registration.
Minimum Coverage for Car Insurance in Georgia
The minimum car insurance coverage required to legally drive in Georgia is typically denoted as 25/50/25.
- Bodily Injury Liability: $25,000 per person, $50,000 per accident
- Property Damage Liability: $25,000
While collision and comprehensive coverages are not mandated by state law, if you are financing your vehicle through a loan, lenders usually require both to protect their financial stake in the car. Similarly, leasing companies generally also require collision and comprehensive coverage.
Methodology
LendingTree utilizes insurance rate data from Quadrant Information Services, sourced from publicly available insurance company filings. The rates provided are based on an extensive analysis of hundreds of thousands of car insurance quotes for a representative driver profile. These prices are intended for comparative purposes only, and individual rates may vary.
Unless otherwise specified, quotes are for a full-coverage policy for a 30-year-old male driver with good credit and a clean driving record, operating a 2015 Honda Civic EX.
Minimum-liability policies include liability coverage that meets the state’s minimum required limits. Full-coverage policies encompass collision, comprehensive, and liability coverage:
- Bodily Injury Liability: $50,000 per person, $100,000 per accident
- Property Damage Liability: $25,000
- Uninsured/Underinsured Motorist Bodily Injury: $50,000 per person and $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
— Our team of insurance specialists evaluated insurance companies based on several factors, including average rates, available discounts, coverage options, third-party customer service ratings, and user experience on apps and websites. These factors were weighted based on customer priorities when selecting an insurance provider.
For third-party customer service assessments, we incorporated NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores reflect customer satisfaction with claims handling, while A.M. Best financial strength ratings indicate an insurer’s ability to fulfill claim obligations. — *USAA is exclusively available to current and former military personnel and their families.
