The cheapest car insurance in Georgia, at a glance
Georgia Farm Bureau offers the cheapest full coverage in Georgia, with an average monthly rate of $133, according to NerdWallet's June 2025 analysis.
Central Insurance offers the cheapest liability coverage in Georgia, with an average monthly rate of $38.
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The average cost of full coverage car insurance in Georgia is $3,028 per year, or $252 per month, according to our analysis. Minimum coverage in Georgia costs an average of $1,020 per year, or $85 per month.
Cheapest car insurance in Georgia for June 2025
NerdWallet analyzed rates for 15 insurers to find the cheapest auto insurance in Georgia. We reviewed rates for drivers of different ages, with different driving histories and coverage types, to find the companies offering the best deals for a variety of driver profiles.
Be aware that your rates will probably be different because of personal characteristics like your age, driving record, car and ZIP code. We recommend getting quotes from several of the companies below to find out which insurer will actually be the cheapest for you.
Full coverage insurance will help pay for repairs to your own vehicle after an at-fault accident, as well as damage and injuries you cause to others.
If you have a car loan or lease, your lender will likely require you to carry full coverage, which includes comprehensive and collision insurance. These coverage types pay you if your car is stolen or damaged in an accident you cause, among other scenarios.
These rates are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Georgia Farm Bureau | $1,596 | $133 |
| Central Insurance | $1,766 | $147 |
| Auto-Owners | $2,181 | $182 |
| Progressive | $2,236 | $186 |
| Country Financial | $2,464 | $205 |
Liability coverage pays only for damage you cause to others, so you’ll have to pay for your own repairs yourself if you don’t have full coverage.
The rates below are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Central Insurance | $460 | $38 |
| Georgia Farm Bureau | $481 | $40 |
| GEICO | $551 | $46 |
| Auto-Owners | $642 | $54 |
| Progressive | $693 | $58 |
Having a DUI or at-fault accident on your record will cause your rates to go up — or even double. But each car insurer prices these incidents a little differently, so it’s worth shopping around for the best rates.
The rates below are for 35-year-old drivers with full coverage.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Georgia Farm Bureau | $1,596 |
| After a DUI | Georgia Farm Bureau | $3,261 |
| After an accident | Georgia Farm Bureau | $1,956 |
| After a speeding ticket | Georgia Farm Bureau | $1,643 |
| Having poor credit | Georgia Farm Bureau | $2,115 |
Rates refreshed June 2025.
Risks of liability car insurance
Liability coverage is typically the cheapest car insurance available, and that usually means getting the barest coverage required by law in your state. But state requirements can be quite low and leave you financially vulnerable if you’re in a serious accident.
Getting the cheapest car insurance possible might also mean missing out on optional coverage types that can help cover your own injuries or property damage — for example, when you’re injured in an accident or if your car is banged up after a bad storm or a hit-and-run. To find cheap car insurance with more coverage, check out NerdWallet’s list of cheap full coverage insurance.
Cheapest car insurance in large Georgia cities
Rates in and around Atlanta will likely be very different from what drivers pay in more rural parts of Georgia. Even Atlanta proper and neighboring cities like Marietta have different median rates. Check them out below.
- Atlanta
Below are the cheapest insurers in Atlanta for 35-year-old drivers, according to our analysis. To see the full list, read NerdWallet's analysis of car insurance in Atlanta.
Category Cheapest Company Median annual rate Clean driving history Georgia Farm Bureau $1,917 After a DUI Georgia Farm Bureau $3,721 After an accident Georgia Farm Bureau $2,097 After a speeding ticket Georgia Farm Bureau $2,097 Having poor credit Georgia Farm Bureau $2,801 Category Cheapest Company Median annual rate Clean driving history Georgia Farm Bureau $593 After a DUI Georgia Farm Bureau $1,289 After an accident Georgia Farm Bureau $741 After a speeding ticket Georgia Farm Bureau $603 Having poor credit Georgia Farm Bureau $715 Rates refreshed June 2025.
- Marietta
Below are the cheapest insurers in Marietta for 35-year-old drivers, according to our analysis. To see the full list, read NerdWallet's analysis of car insurance in Marietta.
Category Cheapest Company Median annual rate Clean driving history Georgia Farm Bureau $1,687 After a DUI Georgia Farm Bureau $3,271 After an accident Georgia Farm Bureau $1,932 After a speeding ticket Georgia Farm Bureau $1,845 Having poor credit Georgia Farm Bureau $2,481 Category Cheapest Company Median annual rate Clean driving history Central Insurance $590 After a DUI Georgia Farm Bureau $1,229 After an accident Georgia Farm Bureau $681 After a speeding ticket Georgia Farm Bureau $615 Having poor credit Georgia Farm Bureau $619 Rates refreshed June 2025.
Perks of choosing a regional insurer
When shopping for affordable car insurance, it’s a good idea to go local. The cheapest rates often come from smaller, local companies like Georgia Farm Bureau and Central Insurance, which is available in fewer than half of the states in the country. These insurers consistently have some of the cheapest rates in Georgia for different driver profiles.
Beyond having low rates, local insurers sometimes offer extra perks, such as special discounts and memberships, that might make a policy more appealing. For example, Georgia Farm Bureau members get travel, entertainment and wellness discounts.
Cheapest auto insurance in Georgia by age
Your age is one important factor in determining how much you'll pay for car insurance. Teens pay the most, with rates typically decreasing once you hit your 30s and going up again in your 70s.
Below are the cheapest car insurance rates for Georgia drivers of various ages. All rates are for drivers with clean driving records and good credit.
- For 20-year-old drivers
Young drivers may have to get a lot of quotes to find the best cheap car insurance. Prices can be high in your 20s, but tend to come down as you get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Company Median annual rate Median monthly rate Central Insurance $2,655 $221 Country Financial $4,097 $341 Georgia Farm Bureau $4,494 $375 Progressive $4,692 $391 Auto-Owners $4,749 $396 Company Median annual rate Median monthly rate Central Insurance $820 $68 Georgia Farm Bureau $1,243 $104 GEICO $1,258 $105 Progressive $1,479 $123 Auto-Owners $1,909 $159 Rates refreshed June 2025.
- For 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Company Median annual rate Median monthly rate Georgia Farm Bureau $1,667 $139 Central Insurance $1,890 $158 Auto-Owners $2,237 $186 Progressive $2,278 $190 Country Financial $2,621 $218 Company Median annual rate Median monthly rate Georgia Farm Bureau $481 $40 Central Insurance $500 $42 GEICO $556 $46 Auto-Owners $658 $55 Progressive $722 $60 Rates refreshed June 2025.
- For 40-year-old drivers
While insurance rates vary by age and gender, drivers in their 40s can often expect to get cheap insurance rates from most companies. You may find even cheaper rates from smaller or regional insurers.
Company Median annual rate Median monthly rate Georgia Farm Bureau $1,591 $133 Central Insurance $1,700 $142 Progressive $2,083 $174 Auto-Owners $2,183 $182 Country Financial $2,340 $195 Company Median annual rate Median monthly rate Central Insurance $445 $37 Georgia Farm Bureau $481 $40 GEICO $547 $46 Auto-Owners $636 $53 Progressive $661 $55 Rates refreshed June 2025.
- For 60-year-old drivers
Car insurance costs may start to rise for older drivers, so it’s wise to shop around for the cheapest rates. You can also check for senior discounts. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Company Median annual rate Median monthly rate Georgia Farm Bureau $1,451 $121 Central Insurance $1,742 $145 Progressive $1,776 $148 Country Financial $2,068 $172 Auto-Owners $2,127 $177 Company Median annual rate Median monthly rate Georgia Farm Bureau $455 $38 Central Insurance $470 $39 Progressive $601 $50 GEICO $614 $51 Auto-Owners $676 $56 Rates refreshed June 2025.
- For 70-year-old drivers
Our analysis shows that older drivers with good credit and a clean driving history enjoy some of the cheapest auto insurance rates, but car insurance rates for senior drivers start to creep up once you reach your 70s.
Company Median annual rate Median monthly rate Georgia Farm Bureau $1,529 $127 Central Insurance $2,029 $169 Progressive $2,032 $169 Country Financial $2,171 $181 Auto-Owners $2,461 $205 Company Median annual rate Median monthly rate Georgia Farm Bureau $455 $38 Central Insurance $589 $49 GEICO $695 $58 Progressive $700 $58 Auto-Owners $852 $71 Rates refreshed June 2025.
Cheapest auto insurance in Georgia by driving record
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal characteristics.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Georgia drivers with different driving records. If you have multiple violations on your record, consider looking into the best high-risk car insurance companies.
- After a speeding ticket
In most cases, a speeding ticket affects the cost of car insurance, but insurers use different equations to calculate prices. So, if your rates rose after a recent ticket, you may still be able to get cheaper coverage by shopping around.
Company Median annual rate Median monthly rate Georgia Farm Bureau $1,643 $137 Central Insurance $2,253 $188 Auto-Owners $2,793 $233 Progressive $2,838 $236 Country Financial $3,092 $258 Company Median annual rate Median monthly rate Georgia Farm Bureau $529 $44 GEICO $632 $53 Central Insurance $640 $53 Progressive $839 $70 Auto-Owners $899 $75 Rates refreshed June 2025.
- After one at-fault accident
An accident can affect your car insurance costs for up to three years, depending on your location and your insurer. But not all insurance companies use the same pricing model, so it can be hard to predict how much insurance will increase after an accident. If your insurance went up after a recent crash, you might find cheaper options by shopping around.
Company Median annual rate Median monthly rate Georgia Farm Bureau $1,956 $163 Central Insurance $2,668 $222 Auto-Owners $3,090 $258 Country Financial $3,439 $287 Progressive $3,491 $291 Company Median annual rate Median monthly rate Georgia Farm Bureau $529 $44 Central Insurance $797 $66 Auto-Owners $1,027 $86 GEICO $1,032 $86 Progressive $1,155 $96 Rates refreshed June 2025.
- After a DUI
A DUI on your driving record can significantly increase the cost of car insurance. Our analysis showed that a 35-year-old in Georgia with a clean driving history could get full coverage insurance for $133 a month, on average, while that same driver could pay $272 for the same coverage after a DUI. This makes it especially valuable to shop for cheap car insurance after a DUI.
Company Median annual rate Median monthly rate Georgia Farm Bureau $3,261 $272 Progressive $3,414 $284 Country Financial $3,549 $296 Auto-Owners $4,071 $339 Central Insurance $4,406 $367 Company Median annual rate Median monthly rate Georgia Farm Bureau $951 $79 Progressive $1,052 $88 Central Insurance $1,432 $119 Auto-Owners $1,445 $120 Safeway $1,621 $135 Rates refreshed June 2025.
Drivers who are unable to buy Georgia car insurance on the open market — due to DUIs, poor credit or other reasons — can shop for coverage through the Georgia Automobile Insurance Plan.
Cheapest car insurance in Georgia by credit history
Your credit history can impact your auto insurance rates in Georgia. Insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Georgia drivers with poor credit.
- Poor credit
Company Median annual rate Median monthly rate Georgia Farm Bureau $2,115 $176 Progressive $2,991 $249 Central Insurance $3,212 $268 Country Financial $3,482 $290 Allstate $4,752 $396 Company Median annual rate Median monthly rate Georgia Farm Bureau $481 $40 GEICO $683 $57 Central Insurance $806 $67 Progressive $974 $81 Safeway $1,162 $97 Rates refreshed June 2025.
- Good credit
Company Median annual rate Median monthly rate Georgia Farm Bureau $1,596 $133 Central Insurance $1,766 $147 Auto-Owners $2,181 $182 Progressive $2,236 $186 Country Financial $2,464 $205 Company Median annual rate Median monthly rate Central Insurance $460 $38 Georgia Farm Bureau $481 $40 GEICO $551 $46 Auto-Owners $642 $54 Progressive $693 $58 Rates refreshed June 2025.
If you’re searching for cheap car insurance in Georgia, you can also use NerdWallet’s car insurance comparison tool.
Cheapest car insurance in Georgia for military families
USAA
USAA offers insurance to active military, veterans and their families only.- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
If you're an active member of the military or a veteran — or you have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 57 of the 70 driver profiles we examined. Read our USAA auto insurance review.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Minimum auto insurance required in Georgia
Georgia car insurance policies must include liability insurance, which pays for others’ property damage and injuries if you cause a crash.
Here are the minimum liability coverage amounts you must select:
$25,000 bodily injury liability coverage per person.
$50,000 bodily injury liability coverage per crash.
$25,000 property damage liability coverage per crash.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
Visit NerdWallet’s guide to car insurance requirements by state to learn more about buying your Georgia car insurance policy.
Risks of buying cheap car insurance
While liability insurance will be enough to drive legally in Georgia, it’s usually wise to get more than the minimum required coverage. An at-fault crash could easily result in injury or repair bills higher than the state’s minimum liability limits, and the remaining balance would have to come out of your pocket.
With more than 18% of drivers lacking auto insurance coverage, Georgia has the seventh highest rate of uninsured motorists in the nation. You may want to mitigate the financial risk of getting into an accident with an uninsured driver by purchasing common policy add-ons such as collision, comprehensive and uninsured motorist protection.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Insurance Information Institute. Facts + Statistics: Uninsured motorists. Accessed Jun 3, 2025.
Methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.
Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:
35 years old
Single. Male or female.
2022 Toyota Camry LE
12,000 annual miles driven.
Good driving record and credit
No moving violations.
"Good driving" discount applied.
Good credit-based insurance score.
Bodily injury liability coverage
$100,000 per person. $300,000 per crash.
Property damage liability coverage
$50,000 per crash.
Uninsured motorist bodily injury coverage
$100,000 per person. $300,000 per crash.
Collision coverage
With a $1,000 deductible.
Comprehensive coverage
With a $1,000 deductible.
- See characteristics for other driver profiles
For all other driver profiles, we used the same assumptions, 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. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
For young drivers, we considered 20-year-olds with good credit and no driving violations.
For millennial drivers, we considered 40-year-olds with good credit and no driving violations.
For senior drivers, we considered 70-year-olds with good credit and no driving violations.
These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
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.
