The Cheapest Car Insurance in Georgia for June 2024

Central Insurance offers the cheapest car insurance in Georgia, with an average annual rate of $1,331 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Erica Corbin  

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Georgia isn’t always easy.

The cheapest car insurance company in Georgia is Central Insurance at $1,165 per year on average, or $97 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Georgia. Meanwhile, the average cost of full coverage car insurance in Georgia is $1,945 per year, or about $162 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Georgia. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Georgia is $657 per year on average, but we found you can likely get a cheaper policy. For example, Central Insurance offers the cheapest rates in Georgia at $326 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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If you're looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest Georgia cities, including:

How we chose the cheapest companies in Georgia

NerdWallet’s editorial team analyzed car insurance rates from 15 auto insurers in Georgia and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Georgia. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Georgia where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheap car insurance in Georgia for 20-year-olds

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers 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.

Cheapest full coverage car insurance in Georgia for 20-year-olds

Drivers in Georgia with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Central Insurance: $1,778 per year, or about $148 per month.
  2. Auto-Owners: $3,432 per year, or about $286 per month.
  3. Country Financial: $3,439 per year, or about $287 per month.
  4. Encompass: $3,869 per year, or about $322 per month.
  5. Georgia Farm Bureau: $4,002 per year, or about $334 per month.

Cheapest minimum coverage car insurance in Georgia for 20-year-olds

Drivers in Georgia who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Central Insurance: $592 per year, or about $49 per month.
  2. Geico: $1,028 per year, or about $86 per month.
  3. Allstate: $1,074 per year, or about $89 per month.
  4. Encompass: $1,166 per year, or about $97 per month.
  5. Georgia Farm Bureau: $1,243 per year, or about $104 per month.

Cheapest auto insurance in Georgia for 20-year-olds with poor credit

Drivers with poor credit in Georgia should look at the following insurers with the lowest average rates for minimum coverage:

  1. Central Insurance: $1,076 per year, or about $90 per month.
  2. Geico: $1,268 per year, or about $106 per month.
  3. Georgia Farm Bureau: $1,310 per year, or about $109 per month.
  4. Allstate: $1,522 per year, or about $127 per month.
  5. Country Financial: $2,074 per year, or about $173 per month.

Cheapest auto insurance in Georgia for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

  1. Central Insurance: $811 per year, or about $68 per month.
  2. Geico: $1,077 per year, or about $90 per month.
  3. Georgia Farm Bureau: $1,299 per year, or about $108 per month.
  4. Allstate: $1,413 per year, or about $118 per month.
  5. Encompass: $1,554 per year, or about $130 per month.

Cheapest auto insurance in Georgia for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Georgia, here are the companies with the lowest average rates for minimum coverage:

  1. Central Insurance: $973 per year, or about $81 per month.
  2. Geico: $1,240 per year, or about $103 per month.
  3. Georgia Farm Bureau: $1,367 per year, or about $114 per month.
  4. Encompass: $1,636 per year, or about $136 per month.
  5. Allstate: $1,893 per year, or about $158 per month.

Cheapest auto insurance in Georgia for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Central Insurance: $1,437 per year, or about $120 per month.
  2. Allstate: $1,781 per year, or about $148 per month.
  3. Geico: $1,813 per year, or about $151 per month.
  4. Progressive: $1,955 per year, or about $163 per month.
  5. Country Financial: $2,313 per year, or about $193 per month.

Cheapest 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.

Cheapest full coverage car insurance in Georgia for 30-year-olds

Drivers in Georgia who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Central Insurance: $1,248 per year, or about $104 per month.
  2. Georgia Farm Bureau: $1,469 per year, or about $122 per month.
  3. Auto-Owners: $1,584 per year, or about $132 per month.
  4. Farmers: $1,714 per year, or about $143 per month.
  5. Encompass: $1,922 per year, or about $160 per month.

Cheapest minimum coverage car insurance in Georgia for 30-year-olds

Drivers in Georgia who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Central Insurance: $356 per year, or about $30 per month.
  2. Georgia Farm Bureau: $415 per year, or about $35 per month.
  3. Auto-Owners: $476 per year, or about $40 per month.
  4. Encompass: $522 per year, or about $44 per month.
  5. Geico: $535 per year, or about $45 per month.

Cheapest auto insurance in Georgia for 30-year-olds with poor credit

Drivers with poor credit in Georgia should consider the following companies with the lowest average rates for full coverage:

  1. Georgia Farm Bureau: $1,933 per year, or about $161 per month.
  2. Central Insurance: $2,259 per year, or about $188 per month.
  3. Allstate: $2,851 per year, or about $238 per month.
  4. Country Financial: $2,898 per year, or about $241 per month.
  5. Progressive: $3,273 per year, or about $273 per month.

Cheapest auto insurance in Georgia for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

  1. Georgia Farm Bureau: $455 per year, or about $38 per month.
  2. Central Insurance: $485 per year, or about $40 per month.
  3. Geico: $624 per year, or about $52 per month.
  4. Auto-Owners: $666 per year, or about $56 per month.
  5. Allstate: $678 per year, or about $57 per month.

Cheapest auto insurance in Georgia for 30-year-old drivers with one at-fault crash

For drivers in Georgia with a recent accident, here are the lowest average rate options for full coverage:

  1. Georgia Farm Bureau: $1,785 per year, or about $149 per month.
  2. Central Insurance: $1,810 per year, or about $151 per month.
  3. Auto-Owners: $2,225 per year, or about $185 per month.
  4. Donegal: $2,444 per year, or about $204 per month.
  5. Farmers: $2,747 per year, or about $229 per month.

Cheapest auto insurance in Georgia for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Central Insurance: $2,509 per year, or about $209 per month.
  2. Georgia Farm Bureau: $2,904 per year, or about $242 per month.
  3. Auto-Owners: $2,922 per year, or about $244 per month.
  4. Country Financial: $3,129 per year, or about $261 per month.
  5. Progressive: $3,244 per year, or about $270 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Georgia for 40-year-olds

Drivers in Georgia with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Central Insurance: $1,121 per year, or about $93 per month.
  2. Georgia Farm Bureau: $1,399 per year, or about $117 per month.
  3. Auto-Owners: $1,604 per year, or about $134 per month.
  4. Country Financial: $1,766 per year, or about $147 per month.
  5. Farmers: $1,834 per year, or about $153 per month.

Cheapest minimum coverage car insurance in Georgia for 40-year-olds

Drivers in Georgia who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Central Insurance: $315 per year, or about $26 per month.
  2. Georgia Farm Bureau: $415 per year, or about $35 per month.
  3. Geico: $480 per year, or about $40 per month.
  4. Auto-Owners: $490 per year, or about $41 per month.
  5. Encompass: $522 per year, or about $44 per month.

Cheapest auto insurance in Georgia for 40-year-olds with poor credit

Drivers with poor credit in Georgia can check out the following insurers with the lowest average rates for full coverage:

  1. Georgia Farm Bureau: $1,933 per year, or about $161 per month.
  2. Central Insurance: $2,016 per year, or about $168 per month.
  3. Country Financial: $2,476 per year, or about $206 per month.
  4. Allstate: $2,851 per year, or about $238 per month.
  5. Progressive: $3,098 per year, or about $258 per month.

Cheapest auto insurance in Georgia for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

  1. Central Insurance: $428 per year, or about $36 per month.
  2. Georgia Farm Bureau: $455 per year, or about $38 per month.
  3. Geico: $562 per year, or about $47 per month.
  4. Allstate: $678 per year, or about $56 per month.
  5. Auto-Owners: $686 per year, or about $57 per month.

Cheapest auto insurance in Georgia for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Georgia, here are the companies with the lowest average rates for full coverage:

  1. Central Insurance: $1,611 per year, or about $134 per month.
  2. Georgia Farm Bureau: $1,711 per year, or about $143 per month.
  3. Auto-Owners: $2,263 per year, or about $189 per month.
  4. Donegal: $2,444 per year, or about $204 per month.
  5. Country Financial: $2,576 per year, or about $215 per month.

Cheapest auto insurance in Georgia for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Central Insurance: $2,224 per year, or about $185 per month.
  2. Country Financial: $2,667 per year, or about $222 per month.
  3. Georgia Farm Bureau: $2,848 per year, or about $237 per month.
  4. Auto-Owners: $2,983 per year, or about $249 per month.
  5. Mercury: $2,984 per year, or about $249 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Georgia for 50-year-olds

Drivers in Georgia with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Central Insurance: $1,092 per year, or about $91 per month.
  2. Georgia Farm Bureau: $1,340 per year, or about $112 per month.
  3. Auto-Owners: $1,552 per year, or about $129 per month.
  4. Country Financial: $1,585 per year, or about $132 per month.
  5. Encompass: $1,588 per year, or about $132 per month.

Cheapest minimum coverage car insurance in Georgia for 50-year-olds

Drivers in Georgia who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Central Insurance: $308 per year, or about $26 per month.
  2. Georgia Farm Bureau: $393 per year, or about $33 per month.
  3. Encompass: $426 per year, or about $36 per month.
  4. Geico: $475 per year, or about $40 per month.
  5. Auto-Owners: $475 per year, or about $40 per month.

Cheapest auto insurance in Georgia for 50-year-olds with poor credit

Drivers with poor credit in Georgia can check with the following companies, which showed the lowest average rates for full coverage:

  1. Georgia Farm Bureau: $1,837 per year, or about $153 per month.
  2. Central Insurance: $1,960 per year, or about $163 per month.
  3. Country Financial: $2,201 per year, or about $183 per month.
  4. Allstate: $2,693 per year, or about $224 per month.
  5. Progressive: $2,861 per year, or about $238 per month.

Cheapest auto insurance in Georgia for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

  1. Central Insurance: $419 per year, or about $35 per month.
  2. Georgia Farm Bureau: $429 per year, or about $36 per month.
  3. Geico: $557 per year, or about $46 per month.
  4. Encompass: $561 per year, or about $47 per month.
  5. Allstate: $641 per year, or about $53 per month.

Cheapest auto insurance in Georgia for 50-year-old drivers with one at-fault crash

For drivers living in Georgia with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Central Insurance: $1,570 per year, or about $131 per month.
  2. Georgia Farm Bureau: $1,650 per year, or about $138 per month.
  3. Auto-Owners: $2,182 per year, or about $182 per month.
  4. Donegal: $2,219 per year, or about $185 per month.
  5. Encompass: $2,311 per year, or about $193 per month.

Cheapest auto insurance in Georgia for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Central Insurance: $2,167 per year, or about $181 per month.
  2. Country Financial: $2,369 per year, or about $197 per month.
  3. Georgia Farm Bureau: $2,782 per year, or about $232 per month.
  4. Auto-Owners: $2,869 per year, or about $239 per month.
  5. Progressive: $2,911 per year, or about $243 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Georgia for 60-year-olds

Drivers in Georgia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Central Insurance: $1,154 per year, or about $96 per month.
  2. Georgia Farm Bureau: $1,317 per year, or about $110 per month.
  3. Farmers: $1,430 per year, or about $119 per month.
  4. Country Financial: $1,546 per year, or about $129 per month.
  5. Auto-Owners: $1,573 per year, or about $131 per month.

Cheapest minimum coverage car insurance in Georgia for 60-year-olds

Drivers in Georgia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Central Insurance: $333 per year, or about $28 per month.
  2. Georgia Farm Bureau: $393 per year, or about $33 per month.
  3. Encompass: $426 per year, or about $36 per month.
  4. Country Financial: $482 per year, or about $40 per month.
  5. Geico: $523 per year, or about $44 per month.

Cheapest auto insurance in Georgia for 60-year-olds with poor credit

Drivers with poor credit in Georgia can look at the following companies with the lowest average rates for full coverage:

  1. Georgia Farm Bureau: $1,837 per year, or about $153 per month.
  2. Central Insurance: $2,079 per year, or about $173 per month.
  3. Country Financial: $2,143 per year, or about $179 per month.
  4. Allstate: $2,678 per year, or about $223 per month.
  5. Farmers: $2,710 per year, or about $226 per month.

Cheapest auto insurance in Georgia for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

  1. Georgia Farm Bureau: $429 per year, or about $36 per month.
  2. Central Insurance: $455 per year, or about $38 per month.
  3. Encompass: $560 per year, or about $47 per month.
  4. Geico: $609 per year, or about $51 per month.
  5. Allstate: $651 per year, or about $54 per month.

Cheapest auto insurance in Georgia for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Georgia, here are the companies with the lowest average rates for full coverage:

  1. Georgia Farm Bureau: $1,639 per year, or about $137 per month.
  2. Central Insurance: $1,676 per year, or about $140 per month.
  3. Donegal: $2,219 per year, or about $185 per month.
  4. Auto-Owners: $2,236 per year, or about $186 per month.
  5. Farmers: $2,268 per year, or about $189 per month.

Cheapest auto insurance in Georgia for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Country Financial: $2,309 per year, or about $192 per month.
  2. Central Insurance: $2,327 per year, or about $194 per month.
  3. Farmers: $2,709 per year, or about $226 per month.
  4. Mercury: $2,721 per year, or about $227 per month.
  5. Georgia Farm Bureau: $2,801 per year, or about $233 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Georgia for 70-year-olds

Drivers in Georgia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Central Insurance: $1,350 per year, or about $113 per month.
  2. Georgia Farm Bureau: $1,390 per year, or about $116 per month.
  3. Encompass: $1,442 per year, or about $120 per month.
  4. Country Financial: $1,670 per year, or about $139 per month.
  5. Farmers: $1,774 per year, or about $148 per month.

Cheapest minimum coverage car insurance in Georgia for 70-year-olds

Drivers in Georgia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Georgia Farm Bureau: $393 per year, or about $33 per month.
  2. Encompass: $407 per year, or about $34 per month.
  3. Central Insurance: $417 per year, or about $35 per month.
  4. Country Financial: $553 per year, or about $46 per month.
  5. Geico: $604 per year, or about $50 per month.

Cheapest auto insurance in Georgia for 70-year-olds with poor credit

Drivers with poor credit in Georgia can look at the following companies with the lowest average rates for full coverage:

  1. Georgia Farm Bureau: $1,837 per year, or about $153 per month.
  2. Country Financial: $2,340 per year, or about $195 per month.
  3. Central Insurance: $2,446 per year, or about $204 per month.
  4. Allstate: $2,910 per year, or about $242 per month.
  5. Encompass: $3,088 per year, or about $257 per month.

Cheapest auto insurance in Georgia for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

  1. Georgia Farm Bureau: $429 per year, or about $36 per month.
  2. Encompass: $535 per year, or about $45 per month.
  3. Central Insurance: $569 per year, or about $47 per month.
  4. Geico: $693 per year, or about $58 per month.
  5. Allstate: $718 per year, or about $60 per month.

Cheapest auto insurance in Georgia for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Georgia, here are the companies with the lowest average rates for full coverage:

  1. Georgia Farm Bureau: $1,705 per year, or about $142 per month.
  2. Central Insurance: $1,996 per year, or about $166 per month.
  3. Encompass: $2,112 per year, or about $176 per month.
  4. Donegal: $2,156 per year, or about $180 per month.
  5. Farmers: $2,526 per year, or about $211 per month.

Cheapest auto insurance in Georgia for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Country Financial: $2,525 per year, or about $210 per month.
  2. Central Insurance: $2,805 per year, or about $234 per month.
  3. Georgia Farm Bureau: $2,890 per year, or about $241 per month.
  4. Farmers: $3,022 per year, or about $252 per month.
  5. Allstate: $3,209 per year, or about $267 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or 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 34 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum car insurance requirements 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.

While this will be enough to drive legally, it’s usually wise to get more than the minimum. An at-fault crash could easily result in injury or repair bills higher than the amounts listed above, and the remaining balance would have to come out of your pocket. You may also want to consider common add-ons such as collision, comprehensive and uninsured motorist protection.

Visit NerdWallet’s guide to car insurance requirements by state to learn more about buying your Georgia car insurance policy.

» MORE: The best home insurance in Georgia

Alternative car insurance in Georgia

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.

If you’re searching for cheap car insurance in Georgia, you can also use NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • 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.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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