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Best Cheap Car Insurance in Georgia for 2020

Jan. 2, 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 researched rates from the seven largest insurers in the state and found the cheapest options for the following types of applicants.

Cheapest for good drivers in Georgia

For Georgia residents with good credit and a clean driving history, the cheapest insurance companies we found and their average rates are:

  1. Georgia Farm Bureau: $1,152 per year.
  2. Auto Owners: $1,384 per year.
  3. Geico: $1,548 per year.
  4. State Farm: $1,858 per year.
  5. Progressive: $1,883 per year.
Drivers with no recent accidents or violations can get cheaper car insurance rates for having good credit. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. In terms of driving and credit history, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in Georgia

Georgia drivers looking for the cheapest minimum required auto insurance may want to consider these companies, ranked by average rate:

  1. Georgia Farm Bureau: $517 per year.
  2. Auto Owners: $548 per year.
  3. Geico: $580 per year.
  4. State Farm: $811 per year.
  5. Progressive: $818 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get quotes from at least three auto insurers.

Cheapest for good drivers with poor credit

These are the cheapest companies we found for Georgians with a clean driving history and poor credit, listed by average rate:

  1. Georgia Farm Bureau: $1,152 per year.
  2. Geico: $2,073 per year.
  3. Auto Owners: $2,369 per year.
  4. Progressive: $2,867 per year.
  5. Allstate: $3,297 per year.
If you have a spotty credit history, it's important to shop around to find the cheapest auto insurance rates you can. Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent at-fault crash, but prices vary by insurer. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record and associated good driver discount, if the insurer offered one. They had poor credit as reported to their insurer, and standard "full coverage" car insurance.

Cheapest for drivers with one at-fault crash

These companies, ranked by average rate, were cheapest for Georgia residents with a recent at-fault accident on their driving records:

  1. Georgia Farm Bureau: $1,254 per year.
  2. Auto Owners: $1,873 per year.
  3. Geico: $2,334 per year.
  4. State Farm: $2,598 per year.
  5. Allstate: $3,385 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest insurance after a DUI in Georgia

For Georgia drivers with a recent DUI on their records, these are the cheapest auto insurers and average rates we found:

  1. Georgia Farm Bureau: $2,192 per year.
  2. Progressive: $2,463 per year.
  3. Auto Owners: $2,742 per year.
  4. Allstate: $2,982 per year.
  5. State Farm: $3,283 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in Georgia

The cheapest insurance companies and average rates in Georgia for drivers with a recent speeding ticket are:

  1. Georgia Farm Bureau: $1,254 per year.
  2. Auto Owners: $1,819 per year.
  3. Geico: $2,032 per year.
  4. State Farm: $2,365 per year.
  5. Allstate: $2,478 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in Georgia

For families in Georgia, the cheapest insurers often aren’t the same as for single drivers. Since companies consider personal factors differently, it’s important to shop for car insurance quotes whenever there’s a big change in your life. If you move, get married or add a teen driver to your policy, your cheapest option may be a different company than before.

Cheapest for a married couple in Georgia

For a husband and wife in Georgia, both 50 years old, these are the cheapest companies we found and their average rates:

  1. Auto Owners: $1,904 per year.
  2. Georgia Farm Bureau: $2,167 per year.
  3. Geico: $2,211 per year.
  4. Progressive: $2,313 per year.
  5. Allstate: $2,830 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in Georgia

For a Georgia family of three — a 50-year-old married couple plus an 18-year-old driver — the cheapest companies and their average rates are:

  1. Georgia Farm Bureau: $3,584 per year.
  2. Geico: $3,722 per year.
  3. Auto Owners: $4,157 per year.
  4. Progressive: $4,879 per year.
  5. Allstate: $5,249 per year.
Taking that same couple and adding a teen with two years’ driving experience is sure to cause a big jump in rates. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers across the state.

Cheapest for young drivers in Georgia

With less experience behind the wheel, drivers in their 20s typically face higher car insurance rates, but each insurer considers age differently. The cheapest companies for young drivers may be different from those for more experienced drivers. NerdWallet analyzed rates for 25-year-old Georgia drivers to see which insurers are cheapest.

Cheapest full coverage for young good drivers

For a 25-year-old in Georgia with good credit and a clean driving history, the cheapest companies and their average rates are:

  1. Georgia Farm Bureau: $1,392 per year.
  2. Auto Owners: $1,498 per year.
  3. Geico: $1,944 per year.
  4. State Farm: $2,109 per year.
  5. Progressive: $2,143 per year.
Drivers in their 20s can have a hard time finding cheap car insurance, and that's even truer when they need full coverage. The rates above are averages for 25-year-old male and female drivers all over the state with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount, but no others. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

These are the cheapest companies and average rates for 25-year-olds with a clean driving record who want Georgia’s minimum required car insurance:

  1. Auto Owners: $587 per year.
  2. Georgia Farm Bureau: $621 per year.
  3. Geico: $743 per year.
  4. Progressive: $894 per year.
  5. State Farm: $914 per year.
Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits. For an age group with relatively high insurance rates on average, that's good news, keeping rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers living across the state who have clean driving records, good credit and bare-bones insurance coverage.

Poor credit and minimum coverage

For 25-year-old Georgia drivers with poor credit, these companies showed the lowest average rates for minimum required coverage:

  1. Georgia Farm Bureau: $621 per year.
  2. Geico: $942 per year.
  3. Auto Owners: $1,309 per year.
  4. Allstate: $1,317 per year.
  5. Progressive: $1,371 per year.
Poor credit is common for younger folks just starting out, who may still be building their credit files. That can increase rates further, so it's extra important to shop around and compare as many insurance quotes as possible to find the cheapest you can get. For these prices, we averaged rates across the state for 25-year-old male and female drivers with no recent accidents or violations (earning them a good driver discount), minimum coverage car insurance, and credit in the "poor" tier as reported to an insurer.

Cheapest for minimum coverage after a crash

These are the cheapest insurers we found for young drivers in Georgia with a recent at-fault accident on their record, ranked by average rate:

  1. Georgia Farm Bureau: $675 per year.
  2. Auto Owners: $833 per year.
  3. Geico: $1,002 per year.
  4. State Farm: $1,307 per year.
  5. Allstate: $1,450 per year.
To get prices for this group, we averaged rates for 25-year-old male and female drivers across the state with good credit and a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, and especially so for young drivers, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. If you've caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

Young drivers in Georgia with a recent DUI on their record may want to check out these companies, which had the cheapest average rates for the state’s minimum required coverage:

  1. Georgia Farm Bureau: $1,169 per year.
  2. Progressive: $1,231 per year.
  3. Allstate: $1,241 per year.
  4. Auto Owners: $1,269 per year.
  5. Geico: $1,581 per year.
Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it's likely that many companies' rates will be quite expensive. But spending the time to shop around for quotes can help you find the lowest. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent on-record DUI. They had good credit and minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

For 25-year-old drivers with a recent speeding ticket, these are the cheapest insurers we found, ranked by average rate for minimum required coverage in Georgia:

  1. Georgia Farm Bureau: $675 per year.
  2. Auto Owners: $805 per year.
  3. Geico: $891 per year.
  4. Allstate: $1,046 per year.
  5. Progressive: $1,165 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheap 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. For that reason we don’t rank it in our driver categories, but USAA offered one of the five cheapest rates for every driver category listed above.

» MORE: Best car insurance for veterans and military personnel

Recap: Cheapest car insurance in Georgia

  • Good drivers: Georgia Farm Bureau.
  • Minimum coverage: Georgia Farm Bureau.
  • Poor credit: Georgia Farm Bureau.
  • After an at-fault crash: Georgia Farm Bureau.
  • After a DUI: Georgia Farm Bureau.
  • After a speeding ticket: Georgia Farm Bureau.
  • Married couples: Auto Owners.
  • Families with a teen: Georgia Farm Bureau.
  • Young good drivers: Georgia Farm Bureau.
  • Minimum coverage for young good drivers: Auto Owners.
  • Minimum coverage for young drivers with poor credit: Georgia Farm Bureau.
  • Minimum coverage for young drivers after a crash: Georgia Farm Bureau.
  • Minimum coverage for young drivers after a DUI: Georgia Farm Bureau.
  • Minimum coverage for young drivers after a ticket: Georgia Farm Bureau.

» MORE: Compare car insurance

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 rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $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.
If required, minimum additional coverages were added. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. 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 costing $10,000 in property damage.
  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
  • For drivers with a DUI, we added a single drunken driving violation.
We used a 2016 Toyota Camry LE for all single drivers. Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household. These are rates provided by Quadrant Information Services. Your own rates will be different.