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 researched rates from the eight largest insurers in the state and found the cheapest options for the following types of applicants:
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Cheapest for good drivers
For drivers with no at-fault accidents, DUIs or moving violations.
The average rate for good drivers among the three cheapest companies was about $1,152 per year. Geico was by far the least expensive option we found and returned a quote well under that number, just $825 per year. Georgia Farm Bureau and State Farm rounded out the list of cheapest insurers in Georgia for good drivers.
Motorists with no moving violations or crashes should look into discounts that reward safe driving, such as perks for having no claims for a certain amount of time. Savings from these sorts of discounts can be an important factor when deciding which insurers offer the best deal.
Cheapest for young drivers
For drivers in their early 20s.
Young drivers typically wouldn’t have as much at stake financially in a crash-related lawsuit as older motorists and can select leaner policies as a result. We looked at quotes for drivers in their early 20s carrying the minimum required coverage, and found relatively cheap car insurance in Georgia.
Geico was the most affordable option with an estimate of $469 per year, which translates to around $39 a month. Prices jumped a bit with the next cheapest companies for this group, however. Georgia Farm Bureau and State Farm both had rates above $70 per month in our analysis.
Cheapest for drivers with one at-fault crash
You can typically expect a rate increase if you cause a crash, either with your current company at renewal or if you decide to shop around.
Geico paced the field with the lowest average quote, $1,219 per year. That’s $394 more than the best deal we found for drivers of the same age with no crashes on record.
The priciest estimate for this group was over $4,200 per year, which goes to show how much you stand to save by comparing several quotes, even if you have a bad driving record.
Cheapest for drivers with poor credit
For drivers placed in the “Poor Credit” tier.
People with poor credit tend to face higher car insurance rates than other drivers. The good news for Georgians is that the cheapest option we found, Georgia Farm Bureau, returned the same prices for those with credit problems as it did for good drivers with good credit.
Not all insurers are forgiving of poor credit, so shopping around is still important if you have credit issues. State Farm, for example, had the third-lowest rate at $2,746 per year, more than $1,500 higher than Georgia Farm Bureau’s.
Cheapest for retired drivers
For drivers in their mid- to late 60s who no longer use their car for commuting.
By spending less time in the car than their commuting counterparts, retirees can snag pretty cheap car insurance in Georgia.
We looked at rates for drivers in their 60s who drive half as much in a year as our other groups. Geico had the best deal available at $667 per year. That’s $158 cheaper than the most affordable price we found for drivers half that age who put a daily commute on the odometer.
Cheapest for drivers with a military connection
If you’re an active military member or a veteran — or have an immediate family member who is — you’ll most likely find relatively cheap car insurance in Georgia from USAA, which isn’t open to the general public. In fact, USAA offered one of the three cheapest rates for every driver category listed above.
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.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Cheapest car insurance in Georgia
|Drivers with one at-fault crash||Geico|
|Drivers with poor credit||Georgia Farm Bureau|
For most categories, NerdWallet averaged rates for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $50,000 property damage liability coverage per accident
- $100,000 uninsured motorist bodily injury coverage per person
- $300,000 uninsured motorist bodily injury coverage per accident
- Collision coverage with $1,000 deductible
- Comprehensive coverage with $1,000 deductible
We used a 2014 Toyota Camry in all cases. Our sample retired driver was 67 and drove 50% fewer annual miles than other groups. Our sample young driver was 22 and carried the minimum required coverage levels. These are sample rates generated through Quadrant Information Services. Your own rates will be different.