The Best Car Insurance in Georgia for 2024
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As a driver in Georgia, it makes sense that you would want to find the best car insurance available in your state. But because so many different factors go into choosing an insurance company, it can be hard to know which “best” option is actually the best for your situation.
To make it easier for you, NerdWallet analyzed 29 car insurance companies in Georgia to find the top picks for the following categories:
And if you’d rather browse a full list of the best car insurance companies in Georgia, you can jump to the bottom of the page.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Why you can trust us
As lead writer on NerdWallet’s insurance team, I write extensively about auto insurance and the companies that offer it.
To find the best car insurance companies, I:
Collected data from insurer websites, company representatives, public filings, state regulators and more to find what each company does well, and where there is room for improvement.
Analyzed car insurance rates from pricing analytics company Quadrant Information Services to find the cheapest average rates for full coverage car insurance in the state.
Worked with NerdWallet’s insurance data analysts to fact-check the rates and NerdWallet star ratings in this article.
NerdWallet writers and editors also adhere to strict editorial guidelines which ensure fairness and accuracy in our writing, data analyses and company ratings. So you can rest assured: our business partners don’t sway our recommendations for the best companies found in this article.
Best car insurance in Georgia overall: Travelers
Out of 29 eligible car insurance companies in Georgia, Travelers earned the highest overall score. Our star ratings focus on some of the most common factors that could affect customer experience.
Read our Travelers auto insurance review to see why this insurer came out on top.
Travelers
Discounts
Ease of use
NAIC complaints
Travelers
Discounts
Ease of use
NAIC complaints
» MORE: The best car insurance companies
Best Georgia car insurance for your budget: Auto-Owners
Out of the 29 companies we looked at to find the best car insurance in Georgia, Auto-Owners is the cheapest option on our list of insurance companies rated 4.5 or higher. Our analysis showed that the average rate for full coverage insurance from Auto-Owners is $1,542 per year or $129 per month for Georgia drivers. (Your rate may be different.)
Read our Auto-Owners insurance review to learn more.
We don’t have data for every single company that offers coverage in Georgia, so compare car insurance rates from several companies to make sure which company is cheapest for you.
Check out NerdWallet’s analysis of cheap car insurance in Georgia for a detailed breakdown of the most affordable insurers in your state.
Auto-Owners Insurance
Discounts
Ease of use
NAIC complaints
Auto-Owners Insurance
Discounts
Ease of use
NAIC complaints
Best Georgia car insurance for customer complaints: Country Financial
Country Financial is the best car insurance company for Georgia drivers when it comes to customer satisfaction. This is based on a comparison across auto insurers with a NerdWallet 5.0-star rating that operate in Georgia.
Country Financial had the fewest number of complaints to state regulators for a company of its size, and you can learn more in our Country Financial auto insurance review.
Country Financial
Discounts
Ease of use
NAIC complaints
Country Financial
Discounts
Ease of use
NAIC complaints
Best Georgia car insurance for ease of use: State Farm
State Farm is the best car insurance company in Georgia when it comes to ease of use. State Farm customers can manage their policy and submit claims online, and the mobile app has excellent user ratings for both iOS and Android devices.
You can learn about more features in our State Farm auto insurance review.
State Farm
Discounts
Ease of use
NAIC complaints
State Farm
Discounts
Ease of use
NAIC complaints
Full list of the best car insurance companies in Georgia
Out of all 29 car insurers NerdWallet analyzed, here is the full list of the best car insurance companies in Georgia, all with a NerdWallet star rating of 4.5 or higher.
Company | Star rating |
|---|---|
USAA* | |
Acuity | 4.5 NerdWallet rating |
*USAA is available only to active-duty military members, veterans and their families. | |
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for a 35-year-old driver.
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