Georgia can be an expensive state for drivers, but insurance rates vary wildly from area to area and from carrier to carrier. The good news is that, if you don’t need full coverage, you can save hundreds of dollars per year.
We sampled information from a number of sources and developed a range of what cheap car insurance usually costs in Georgia. We based these samples on a driver with at least a decade of driving experience, a clean driving record, driving America’s most popular, non-exotic vehicles.
The important thing to remember is that insurance rates can vary widely, and prices can change almost daily. This range is only a GUIDE to give you a basic idea about the rates insurance companies charge today in Georgia.
DISCLAIMER: There are numerous other factors that are going to impact the cost of insurance on your car, crossover, or truck. We’ll provide info on some of those variables, but your best bet is to read our deep dive on Cheap Car Insurance for 2020 to get a better idea.
Best Large Insurance Carrier - State Farm. In almost every instance, State Farm provided the least expensive car insurance in the state of Georgia.
Cheapest Insurance with Bad Credit - Georgia Farm Bureau. In Georgia, people with bad credit are best served by Georgia Farm Bureau, which undercuts its competition by nearly $1,000.
Cheapest Insurance with One Accident - Georgia Farm Bureau. Just like its pricing for drivers with bad credit, Georgia Farm Bureau’s rates for drivers with one at-fault crash are lower than anyone else.
Cheapest Insurance for Higher Mileage - GEICO. Georgia Farm Bureau doesn’t list rates for high-mileage drivers, but GEICO’s stated rates land well below that of its competitors for drivers that travel 12,000 or more miles each year.
Our larger study of car insurance rates found that average insurance costs in Georgia land around $1,384, but drivers can pay up to 50% more than that, depending on driving record and geographic location.
|Rates we found reported as “typical” or “average” (annual) online||Average (annual||Adjusted average* (annual)|
|Georgia Farm Bureau||$1,152***||$1,152||$1,152|
|Auto Owners||$847** - $1,674||$1,384||$1,384|
|GEICO||$950** - $1,578||$1,548||$1,118|
|Progressive||$1,201** - $2,050||$1,883||$1,541|
(*) The “adjusted average” is computed by eliminating the highest and lowest values and averaging the remaining values.
(**) The lowest rates listed are either for minimum coverage or elderly drivers and may not apply to everyone.
(***) Only an average rate could be found.
We can start by examining why insurance rates in Georgia may seem lower than other states with large populations. In urban areas surrounding Atlanta and a few other cities, insurance rates are typically higher because there are more accidents and crime in densely populated areas. Auto insurers pull your zip code, along with all of your driving information, to determine which rates are more appropriate.
Like other states, auto insurers in Georgia factor in driving history, credit history, and personal factors like age and gender to determine their rates. Young drivers pay more than experienced drivers because they are considered to be a higher accident risk. Similarly, people with alcohol-related driving infractions and accidents on their records pay more.
The bottom line is that, in Georgia, the best way to get and maintain a low insurance rate is to keep a clean driving record. That may not always be possible, but you can avoid speeding tickets and never drive drunk.
Speeding violations raise insurance rates by $100-$200, but accidents are where the real financial pain starts. One accident can cause Georgians’ insurance rates to skyrocket by as much as $1,000 per year in some cases.
Here are the best estimates we could find from various sources on how much one accident will raise your policy premium in Georgia:
|Range of Rate Increases for One Accident||Average of Rate Increases||Adjusted Average of Rate Increases|
|18%, 39%, 42%, 57%||39%||41%|
If you have accumulated points on your license in Georgia due to speeding and other traffic violations, you can count on your insurance rates going up. Insurers don’t reference points directly when making a rate decision, but they do see violations. Even if you have an existing policy, your rates can be increased after a speeding ticket.
It’s important to note that, even after a ticket, drivers may be able to reduce the penalty of both the infraction and the resulting insurance rate hike by taking a remedial drivers education course. Take a look at our online drivers ed coverage for Georgia here.
Here is the data we could dig up on the percent increase range a ticket will raise your car insurance policy premium in Georgia:
|Range of Rate Increases for One Speeding Violation||Average of Rate Increases||Adjusted Average of Rate Increases|
|5%, 7%, 9%, 17%||10%||8%|
There are two things that you can do to make sure you’re getting the best insurance rates available in Georgia. The first is to work hard at maintaining a clean driving record. That means no tickets and no at-fault accidents. The second is to move (if possible) away from the densely populated neighborhoods of the Atlanta metro area. Atlanta suburbs have some of the highest insurance rates in the state, while rural areas surrounding Valdosta are much less expensive for drivers of all ages.
Another way to manage your insurance costs in Georgia, if you can stomach less coverage, is to opt for minimum coverage insurance. We’d never recommend this for a newer vehicle, or for one that is rare or costly to repair, but for drivers of older vehicles it can add up to real savings.
Another way to find discount insurance rates is to shop with a specific discount program in mind. This can be a military-related discount for active duty and veterans, or could even be related to your vehicle’s safety or anti-theft features. We also have an entire story on the tens of thousands of discount programs available, based on memberships, military service, and other associations. Some of the more common meaningful discounts relate to low mileage driving, bundling with your home owner’s policy, and carrying high deductibles. Students take note: Many insurers will offer good students a discount. Parents take note: If your kid is at college more than 100 miles away you may see big savings.
Getting caught without insurance in Georgia is a bad look. The first offense results in a 30-day grace period to provide proof of insurance to the state. If the insurance information is received during that period and there has been no lapse in coverage, you won’t owe the state anything else. If there has been a lapse, you’ll be on the hook for up to $185, depending on other factors surrounding the offense. If you don’t provide any proof of insurance to the state, you’ll be issued a notice of pending suspension, which just means that if you can’t provide proof of insurance your vehicle’s registration will be suspended at the end of a second 30-day period.
Keeping insurance on your vehicle is important, but how much are you required to have? In Georgia, the law requires that coverage includes bodily injury liability of $25,000 per person, $50,000 per occurrence, and property damage liability of $25,000 per person.
Insurance rates can vary wildly from carrier to carrier and even between the same carrier in different locations. Our research indicates that Georgia Farm Bureau has the best all-around insurance rates, while Progressive appeared to be the most expensive.
Don’t speed, don’t drink and drive, and try your hardest to avoid accidents. Simple, right? It’s not as easy as it sounds. You can also take advantage of discount programs like the ones offered by AAA, and if you’re a current or former member of the military your discounts may be even steeper.
Years ago, only a few companies offered online applications for their insurance policies, but that has changed in recent years. Almost all insurance carriers offer an online-only option to apply for coverage now, so it’s just a matter of shopping around. Data reported on multiple sources shows that USAA is still one of the most affordable options, but well-known insurance carriers State Farm aren’t far behind for many people.
Unsurprisingly, some car insurers have been called out by their customers for having poor customer service and in some cases unexpected rate changes. We recommend checking recent online reviews before you switch to a new carrier.
Unfortunately, yes. The Federal Trade Commission found that low credit scores were relatively accurate predictors of a driver’s risk for an accident. As a result, insurance companies will sometimes charge higher rates and have more restrictive coverage offerings for people with spotty credit histories. Georgia allows insurers to assess credit score when making a rate determination.
For now, only three states officially offer low income car insurance: California, Hawaii, New Jersey. Drivers in Georgia may be able to find discounts from various insurers, but they are not required to provide low-price coverage.
Full coverage costs vary by carrier. Georgia Farm Bureau, GEICO, and Auto Owners appear to provide the lowest full coverage rates in Georgia.
Since Georgia does not require insurers to provide low cost coverage and requires drivers to have coverage at the same time, drivers who cannot afford insurance should look at alternative transportation from rideshare services or public transit.
One day insurance can be very helpful if you’re buying a car or moving a vehicle from one location or another. You can also buy temporary coverage and supplemental coverage for special activities like track days and off-roading.
Shopping around is the best strategy to find the best rates. Companies will often compete with each other for your business. You can also take advantage of any other memberships you might have, like AAA or AARP for discounts.
No. Lying about any part of your insurance application can result in lost coverage, uncovered accidents, or legal action.
Unfortunately, your insurance rates can be the result of factors that you can’t control. If you’re young, you’re going to pay more. If you live near Atlanta, you’re going to pay more.
An older car is not always cheaper to insure. Insurance companies use complex algorithms with many factors to set a price. The value of the vehicle does matter.
In the best-case scenario – nothing. In many cases, you’ll be able to go to traffic school or some other remedial program to have the ticket removed from your record. (See our story on the best Traffic School in Georgia for more info.) If not, you may see a rate increase the next time you renew your policy or shop for a new policy.
Car insurance becomes expensive for people with spotty driving records, poor credit, or for those that live in extremely congested areas with other people that get into lots of accidents. Insurance is a numbers game, and companies are constantly trying to adjust their rates to match their perceived level of risk.
The best way to save is to compare multiple quotes. Start now.