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The Cheapest Car Insurance in Georgia for November 2025

Georgia Farm Bureau offers the cheapest full coverage car insurance in Georgia, with an average rate of $133 per month according to NerdWallet's November 2025 analysis.

Drivers can get rates as low as $40/month

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Isabel Contreras
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Lisa Green
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Updated Nov 3, 2025
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NerdWallet analyzed rates from 15 insurers in Georgia to help you get a sense of what you might pay for car insurance. While car insurance is more expensive in Georgia, on average, than many other states, it’s still possible to find cheap coverage by shopping around before buying a policy.

Cheap car insurance in Georgia, at a glance

Coverage type

Driving record

Driver age

Credit-based insurance score

These are median rates. For details on how our sample driver’s insurance coverage, driving record, age and credit score change throughout this analysis, check out our methodology.

  • Strict editorial guidelines to ensure fairness and accuracy in our coverage.

  • Thorough rating guidelines for evaluating auto insurance companies.

  • More than 270 million rates analyzed by our team of specialists.

  • More than 50 insurance companies analyzed in all 50 states and Washington D.C.

You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in the state 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.

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Cheapest car insurance in Georgia by coverage type

Your car insurance rates depend on your level of coverage. A full coverage car insurance policy is more expensive than a basic policy because it comes with more coverage. At the same time, having more coverage means there’s less of a chance you’ll need to pay for unexpected costs after an accident.

NerdWallet recommends that most drivers get more than basic coverage, as long as they can afford it. Try comparing quotes from a few companies in Georgia. This is the best way to find your cheapest rates, no matter how much coverage you need.

Georgia Farm Bureau has the cheapest car insurance in Georgia for full coverage, with an average rate of $133 per month or $1,596 per year.

If you have a car loan or lease, you’ll likely be required to carry full coverage. This type of policy includes comprehensive and collision insurance, which help cover your own car from most types of damage, including weather, hit-and-runs and theft.

CompanyMedian annual rateMedian monthly rate
Georgia Farm Bureau$1,596$133
Central Insurance$1,766$147
Auto-Owners$2,210$184
Progressive$2,311$193
Country Financial$2,434$203

  • 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.

Rates refreshed November 2025.

Cheap car insurance in Georgia from top companies

Price is important when shopping for car insurance, but it’s not the only factor worth your attention. You may also want to balance affordability with a company's reputation for claims satisfaction and customer service.

Check out rates from cheap insurers in Georgia that our editorial team has awarded between a 4- and 5-star rating.

» MORE: The best car insurance in Georgia

Cheapest car insurance in large Georgia cities

Car insurance is often most expensive around cities, because in cities you’re more likely to experience an accident, property damage, or a vehicle theft than in a small town. This means that, if you live in Atlanta or another of Georgia’s more populated areas, your rates will likely be higher than in rural parts of the state.

It’s worth estimating your rates if you’re thinking about moving soon. You could pay more for insurance if you move, even if you stay in the same city.

Perks of choosing a regional insurer

When shopping for affordable car insurance, it can be a good idea to go local. The cheapest rates often come from smaller, local companies like Georgia Farm Bureau and Central Insurance, which are available in fewer than half of the states in the country.

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 car insurance in Georgia by age

Insurance companies use your age to estimate how likely it is that you’ll make a claim. For this reason, age is an important part of finding your cheapest car insurance. Teens pay the most, though it may get easier to find coverage as you get older.

Make sure to shop around for insurance at least every year. You might find that the company that had the cheapest rates when you were a young driver is no longer a good deal once you're older.

  • Central Insurance has the cheapest car insurance for young drivers in Georgia, with an average rate of $221 per month or $2,655 per year for full coverage.

    The cost of car insurance for young drivers is higher than it is for other age groups. If you still live with your parents or a guardian and can join an existing policy, your rates will likely be cheaper than it would be to buy car insurance on your own.

    CompanyMedian annual rateMedian monthly rate
    Central Insurance$2,655$221
    Country Financial$4,046$337
    Georgia Farm Bureau$4,494$375
    Progressive$4,761$397
    Auto-Owners$4,829$402

    These are median rates for 20-year-old drivers who get their own standalone policy, according to our November 2025 analysis. A driver who’s added to an existing policy may have cheaper rates.

  • Georgia Farm Bureau has the cheapest car insurance for millennials in Georgia, with an average rate of $139 per month or $1,667 per year for full coverage.

    By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. If you’re a good driver and still having a tough time finding a policy you can afford, you might want to consider usage-based car insurance.

    A usage-based policy has the same coverage as a regular policy, but your rates will be determined partly by your driving habits and the miles you drive.

    CompanyMedian annual rateMedian monthly rate
    Georgia Farm Bureau$1,667$139
    Central Insurance$1,890$158
    Auto-Owners$2,268$189
    Progressive$2,358$197
    Country Financial$2,583$215

    These are median rates for 30-year-old drivers, according to our November 2025 analysis.

  • Georgia Farm Bureau has the cheapest car insurance for Gen X drivers in Georgia, with an average rate of $127 per month or $1,520 per year for full coverage.

    While insurance rates vary by age and gender, drivers in their 50s may expect to get cheap car insurance rates from a few companies. You may find even cheaper rates from smaller or regional insurers than you would from a larger provider.

    CompanyMedian annual rateMedian monthly rate
    Georgia Farm Bureau$1,520$127
    Central Insurance$1,651$138
    Progressive$1,930$161
    Country Financial$2,106$176
    Auto-Owners$2,157$180

    These are median rates for 50-year-old drivers, according to our November 2025 analysis.

  • Georgia Farm Bureau has the cheapest car insurance for senior drivers in Georgia, with an average rate of $127 per month or $1,529 per year for full coverage.

    Your rates will likely be at their cheapest once you’re in your 60s — as long as you’re a good driver and have a good credit score. But rates for senior-age drivers often get more expensive after age 70.

    CompanyMedian annual rateMedian monthly rate
    Georgia Farm Bureau$1,529$127
    Central Insurance$2,029$169
    Progressive$2,126$177
    Country Financial$2,143$179
    Auto-Owners$2,499$208

    These are median rates for 70-year-old drivers, according to our November 2025 analysis.

Cheapest car insurance in Georgia by driving record

Having a driving violation on your record often means higher car insurance rates. Even if insurers consider you a high-risk driver, you may still find relatively cheap car insurance rates by comparing quotes from more than one company.

Your chances of finding relatively cheap insurance improve after your driving violation is a few years in the past. Check your rates once a year to see if you can find a better deal with another insurer.

  • Georgia Farm Bureau has the cheapest car insurance in Georgia after a speeding ticket, with an average rate of $137 per month or $1,643 per year for full coverage.

    You may pay more for car insurance after a speeding ticket. It’s possible, though, that your rates don’t change at all after only one ticket. And if your car insurance got more expensive after a ticket, you could find cheaper rates by shopping around.

    CompanyMedian annual rateMedian monthly rate
    Georgia Farm Bureau$1,643$137
    Central Insurance$2,253$188
    Auto-Owners$2,834$236
    Progressive$2,892$241
    Country Financial$3,046$254

    Rates refreshed November 2025.

  • Georgia Farm Bureau has the cheapest car insurance in Georgia after an at-fault accident, with an average rate of $163 per month or $1,956 per year for full coverage.

    You’ll almost always see higher car insurance rates after an accident. An at-fault accident may raise your rates for up to five years, depending on the seriousness of the accident and your insurer. Prices should start to come down after a couple of years of driving safely.

    CompanyMedian annual rateMedian monthly rate
    Georgia Farm Bureau$1,956$163
    Central Insurance$2,668$222
    Auto-Owners$3,141$262
    Country Financial$3,394$283
    Progressive$3,577$298

    Rates refreshed November 2025.

  • Georgia Farm Bureau has the cheapest car insurance in Georgia after a DUI, with an average rate of $272 per month or $3,261 per year for full coverage.

    A DUI can drive up the cost of car insurance. Our analysis showed that a 35-year-old in Georgia with a clean driving history could get full coverage car insurance for $3,149 per year, on average, while someone with a DUI on their record could pay $5,046 for the same coverage.

    CompanyMedian annual rateMedian monthly rate
    Georgia Farm Bureau$3,261$272
    Country Financial$3,498$292
    Progressive$3,739$312
    Auto-Owners$4,143$345
    Central Insurance$4,406$367

    Rates refreshed November 2025.

🤓Nerdy Tip

If you haven’t been able to find car insurance on your own because of your driving record or other factors, the Georgia Automobile Insurance Plan might be able to help. This plan helps drivers who can’t get coverage on the open or voluntary market find mandatory coverage.

Cheapest car insurance in Georgia by credit history

Like most states, Georgia allows your credit-based insurance score to play a part in your car insurance rates. Insurers use this score to predict how likely you are to make a claim.

While a credit-based insurance score is different from your regular credit score, you could lower your insurance rates by improving your credit.

  • Georgia Farm Bureau has the cheapest car insurance in Georgia for drivers with poor credit, with an average rate of $176 per month or $2,115 per year for full coverage.

    CompanyMedian annual rateMedian monthly rate
    Georgia Farm Bureau$2,115$176
    Progressive$3,120$260
    Central Insurance$3,212$268
    Country Financial$3,431$286
    Allstate$4,917$410

    Rates refreshed November 2025.

  • Georgia Farm Bureau has the cheapest car insurance in Georgia for drivers with good credit, with an average rate of $133 per month or $1,596 per year for full coverage.

    CompanyMedian annual rateMedian monthly rate
    Georgia Farm Bureau$1,596$133
    Central Insurance$1,766$147
    Auto-Owners$2,210$184
    Progressive$2,311$193
    Country Financial$2,434$203

    Rates refreshed November 2025.

Cheapest car insurance in Georgia for military families

USAA Auto Insurance

USAA

5.0
NerdWallet rating
USAA offers insurance to active military, veterans and their families only.
Discounts Great set of discounts
Ease of use Above average
NAIC complaints Fewer than expected

If you are a member of the military, a veteran or a family member of someone who is, or you're an employee of certain federal agencies, you might be able to get car insurance from USAA.

USAA isn’t open to the general public, so it isn't ranked with the other insurers. But USAA was among the cheapest five auto insurance options for 64 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

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.

  • 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.

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