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Best Cheap Car Insurance in Georgia for 2021

Dec. 11, 2020
Auto Insurance, Insurance
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Finding cheap car insurance in Georgia can take some persistence. Costs vary from one insurer to the next, sometimes by a wide margin, which is why shopping around and comparing several quotes is worth your time.

NerdWallet analyzed rates from 30 auto insurers in the state and found the cheapest options for the following types of applicants.

Cheapest for 20-year-old drivers in Georgia

Drivers in their 20s may have to get a lot of quotes to find 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 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. Auto-Owners: $2,464 per year.
  2. Esurance: $2,621 per year.
  3. Geico: $2,739 per year.
  4. State Farm: $2,842 per year.
  5. Allstate: $3,217 per year.

Cheapest minimum coverage 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. Geico: $925 per year.
  2. Auto-Owners: $972 per year.
  3. ACCC Insurance: $1,063 per year.
  4. Country Financial: $1,082 per year.
  5. State Farm: $1,139 per year.

Cheapest coverage for 20-year-olds with poor credit in Georgia

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

  1. Geico: $1,204 per year.
  2. Country Financial: $1,712 per year.
  3. Allstate: $1,738 per year.
  4. ACCC Insurance: $1,776 per year.
  5. Auto-Owners: $2,302 per year.

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

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

  1. Geico: $1,153 per year.
  2. Country Financial: $1,395 per year.
  3. Auto-Owners: $1,438 per year.
  4. ACCC Insurance: $1,626 per year.
  5. State Farm: $1,645 per year.

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

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

  1. ACCC Insurance: $1,289 per year.
  2. Geico: $1,549 per year.
  3. Allstate: $1,718 per year.
  4. Esurance: $1,853 per year.
  5. Country Financial: $1,943 per year.

Cheapest for 30-year-old drivers in Georgia

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 in Georgia for 30-year-olds

Drivers in Georgia with clean driving records may get the lowest rates from these companies:

  1. Esurance: $1,041 per year.
  2. Auto-Owners: $1,237 per year.
  3. Nationwide: $1,364 per year.
  4. State Farm: $1,490 per year.
  5. Donegal: $1,567 per year.

Cheapest minimum coverage 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. Auto-Owners: $405 per year.
  2. Geico: $478 per year.
  3. State Farm: $533 per year.
  4. Country Financial: $619 per year.
  5. Encompass: $622 per year.

Cheapest coverage for 30-year-olds with poor credit in Georgia

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

  1. Esurance: $1,876 per year.
  2. Nationwide: $1,881 per year.
  3. Geico: $2,099 per year.
  4. Auto-Owners: $2,410 per year.
  5. Progressive: $2,655 per year.

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

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

  1. Auto-Owners: $1,693 per year.
  2. Esurance: $1,924 per year.
  3. State Farm: $2,075 per year.
  4. Geico: $2,199 per year.
  5. Alfa: $2,222 per year.

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

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

  1. Esurance: $1,411 per year.
  2. Auto-Owners: $2,425 per year.
  3. Progressive: $2,455 per year.
  4. Alfa: $2,592 per year.
  5. State Farm: $2,610 per year.

Cheapest for 40-year-old drivers in Georgia

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 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. Esurance: $1,010 per year.
  2. Nationwide: $1,274 per year.
  3. Auto-Owners: $1,386 per year.
  4. State Farm: $1,470 per year.
  5. Donegal: $1,567 per year.

Cheapest minimum coverage 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. Geico: $461 per year.
  2. Auto-Owners: $477 per year.
  3. Country Financial: $523 per year.
  4. State Farm: $539 per year.
  5. Encompass: $622 per year.

Cheapest coverage for 40-year-olds with poor credit in Georgia

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

  1. Nationwide: $1,758 per year.
  2. Esurance: $1,819 per year.
  3. Geico: $2,111 per year.
  4. Auto-Owners: $2,421 per year.
  5. Progressive: $2,505 per year.

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

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

  1. Esurance: $1,883 per year.
  2. Auto-Owners: $1,896 per year.
  3. State Farm: $2,049 per year.
  4. Nationwide: $2,214 per year.
  5. Alfa: $2,222 per year.

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

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

  1. Esurance: $1,373 per year.
  2. Progressive: $2,337 per year.
  3. State Farm: $2,579 per year.
  4. Alfa: $2,592 per year.
  5. Allstate: $2,628 per year.

Cheapest for 50-year-old drivers in Georgia

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 the best cheap car insurance companies is a good place to start.

Cheapest full coverage 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. Esurance: $949 per year.
  2. Nationwide: $1,188 per year.
  3. Auto-Owners: $1,278 per year.
  4. State Farm: $1,445 per year.
  5. Donegal: $1,488 per year.

Cheapest minimum coverage 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. Auto-Owners: $436 per year.
  2. Geico: $443 per year.
  3. Country Financial: $451 per year.
  4. Encompass: $518 per year.
  5. State Farm: $537 per year.

Cheapest coverage for 50-year-olds with poor credit in Georgia

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

  1. Nationwide: $1,638 per year.
  2. Esurance: $1,697 per year.
  3. Geico: $2,003 per year.
  4. Auto-Owners: $2,172 per year.
  5. Progressive: $2,271 per year.

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

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

  1. Auto-Owners: $1,738 per year.
  2. Esurance: $1,950 per year.
  3. State Farm: $2,019 per year.
  4. Nationwide: $2,090 per year.
  5. Alfa: $2,096 per year.

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

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

  1. Esurance: $1,391 per year.
  2. Progressive: $2,181 per year.
  3. Alfa: $2,440 per year.
  4. Auto-Owners: $2,476 per year.
  5. Country Financial: $2,504 per year.

Cheapest for 65-year-old drivers in Georgia

Although 65-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 auto insurance for seniors, drivers in their mid-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 in Georgia for 65-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. Esurance: $1,056 per year.
  2. Nationwide: $1,159 per year.
  3. State Farm: $1,366 per year.
  4. Encompass: $1,381 per year.
  5. Auto-Owners: $1,414 per year.

Cheapest minimum coverage in Georgia for 65-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. Geico: $449 per year.
  2. Country Financial: $464 per year.
  3. Encompass: $464 per year.
  4. State Farm: $511 per year.
  5. Auto-Owners: $518 per year.

Cheapest coverage for 65-year-olds with poor credit in Georgia

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

  1. Nationwide: $1,594 per year.
  2. Esurance: $1,852 per year.
  3. Geico: $1,901 per year.
  4. Auto-Owners: $2,359 per year.
  5. Progressive: $2,371 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Georgia

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

  1. State Farm: $1,911 per year.
  2. Auto-Owners: $1,952 per year.
  3. Geico: $2,007 per year.
  4. Encompass: $2,019 per year.
  5. Nationwide: $2,037 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Georgia

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

  1. Esurance: $1,662 per year.
  2. State Farm: $2,410 per year.
  3. Progressive: $2,432 per year.
  4. Alfa: $2,440 per year.
  5. Country Financial: $2,509 per year.

Cheapest 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 2 of the 40 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.

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.

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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

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 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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