Best Car Insurance in Georgia for 2026

NerdWallet’s editorial team collected data on 15 auto insurers in Georgia and scored them for a variety of factors, including customer experience, online features and discounts. We chose Amica for the top spot in the state, but plenty of other car insurance companies also earned high ratings.

Our February 2026 picks for the best car insurance companies in Georgia are:

• How we found the best car insurance companies in Georgia

  For our list of the best car insurance companies in Georgia, we only considered insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.

  NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:

  • Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.

  • Consumer experience. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.

  • Digital ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on Apple and Google Play store ratings, and whether a user can start and track a claim, or get a quote online.

  • Ways to save. We look at the kinds of discounts a company offers and the total number of discounts available.

  You can read our full auto insurance methodology to learn more.

• Why you can trust NerdWallet

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

  • Thorough rating guidelines for evaluating auto insurance companies.

  • More than 120 million rates analyzed by our team of specialists.

  • More than 130 insurance companies analyzed in all 50 states and Washington D.C.

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

• Why Amica is the best in Georgia

  Why Amica is the best: Amica is the best insurance company in Georgia because of its wide selection of discounts, sharp digital features and excellent customer satisfaction. While not a factor in its rating, Amica's coverage options compare well to other top competitors in Georgia.

  One standout feature is Amica’s reputation for customer satisfaction. Amica earns fewer complaints than expected for a company of its size, and scores above average in the J.D. Power Claims Satisfaction Study.[1]

  Besides being our top car insurance company in Georgia, Amica could be a good option if you want to bundle your auto and home or auto and renters insurance policies.

  Unfortunately, we don’t have rates from Amica in the state, so you’ll want to compare car insurance quotes to make sure its cost fits within your budget.

  Don’t pick Amica if: You haven’t gotten rates from other insurance companies first. Although we don’t have pricing data for Amica in Georgia, the insurer can be more expensive than average for some drivers in other states.

  » Read the full review: Amica auto insurance review

• Average cost of car insurance from Amica in the U.S.

  Driver profile	Full coverage rate	Minimum coverage rate
  Clean driving record, good credit	$3,178	$1,060
  One speeding ticket, good credit	$4,103	$1,348
  One at-fault crash, good credit	$3,893	$1,505
  One DUI, good credit	$11,444	$2,817
  Clean driving record, poor credit	$9,541	$1,854

• Why Central Insurance is the best in Georgia for budgeting shoppers

  Why Central Insurance is the best: We rated Central highly for cost-conscious drivers in Georgia because it has some of the state’s best rates for good drivers. According to our February 2026 analysis, Central may also have cheaper rates than average for drivers with an accident or violation on their records.

  Besides low costs, Central offers a few coverage packages that may include roadside assistance at no additional cost, plus gap insurance, original parts coverage and agreed value coverage. Agreed value coverage pays out a pre-agreed amount if your car is totaled.

  Don’t pick Central Insurance if: You don’t want to talk to an agent to get a quote. If you’re uncomfortable speaking with someone to get insurance, you’ll want to find another insurer that lets you complete the quote process online.

  How much is Central car insurance in Georgia? The average cost of car insurance from Central for someone with a clean driving record is $147 per month, or $1,765 per year in Georgia. That’s compared to the statewide average, which is $3,248 per year.

• Average cost of car insurance from Central Insurance in Georgia

  Driver profile	Full coverage rate	Minimum coverage rate
  Clean driving record, good credit	$1,765	$487
  One speeding ticket, good credit	$2,262	$678
  One at-fault crash, good credit	$2,684	$841
  One DUI, good credit	$4,449	$1,516
  Clean driving record, poor credit	$3,203	$854

• Why Acuity is the best in Georgia for customer satisfaction

  Why Acuity is the best: Acuity earns far fewer complaints from policyholders than expected for its size. In fact, it has the best complaint rating of top-rated insurance companies in Georgia.

  Besides its complaint rating, Acuity compares well to other insurance companies in Georgia for the coverage it offers. You could add gap insurance (possibly a must-have if you lease or finance your car with a loan) as well as coverage for your personal property and emergency expenses, like transportation and lodging after you're stranded.

  Don’t pick Acuity if: You haven’t gotten a quote from another company first. We don’t have rates in Georgia for Acuity. You’ll want to make sure that it’s an affordable option before you purchase a policy.

• Average cost of car insurance from Acuity in the U.S.

  Driver profile	Full coverage rate	Minimum coverage rate
  Clean driving record, good credit	$3,346	$602
  One speeding ticket, good credit	$5,844	$1,164
  One at-fault crash, good credit	$5,747	$1,105
  One DUI, good credit	$6,721	$1,286
  Clean driving record, poor credit	$5,092	$894

• Why Progressive is the best in Georgia for coverage options

  Why Progressive is the best: Progressive has a long list of optional types of car insurance. A full coverage policy comes with up to $1,000 of coverage if your pet is injured in a car accident. You can also add custom parts coverage, gap insurance, accident forgiveness and coverage for some of your car’s mechanical systems.

  Progressive also offers better rates in Georgia than many competitors, even if your driving record isn’t spotless. You may be able to lower your rates even more with Progressive’s great set of discounts.

  Don’t pick Progressive if: You want insurance from a company that has the best overall customer experience ratings. We scored Progressive relatively well for its complaint rating, but Progressive suffers from ranking lower than average on the J.D. Power Auto Claims Satisfaction Study.[1]

  How much is Progressive car insurance in Georgia? The average cost of car insurance from Progressive for someone with a clean driving record is $196 per month, or $2,349 per year in Georgia. That’s compared to the statewide average, which is $3,248 per year.

• Average cost of car insurance from Progressive in Georgia

  Driver profile	Full coverage rate	Minimum coverage rate
  Clean driving record, good credit	$2,349	$795
  One speeding ticket, good credit	$2,923	$955
  One at-fault crash, good credit	$3,829	$1,237
  One DUI, good credit	$3,612	$1,192
  Clean driving record, poor credit	$3,528	$1,164

• Why American Family is the best in Georgia for bundling

  Why American Family is the best: We chose American Family as the best choice in Georgia for drivers looking to bundle their home and auto insurance in part because of its bundling discount. By combining policies, you could save up to 40% on your combined costs.

  American Family is also a great option even for drivers who don’t want or need to bundle. It has a range of potential car insurance add-ons, including accident forgiveness, gap insurance, original parts coverage, and accidental death & dismemberment coverage.

  Don’t pick American Family if: You haven’t compared rates yet. Like some other top insurers in this study, we don’t have rates from American Family in Georgia. That said, American Family has a great set of discounts that could help you to lower your rates.

  » Read the full review: American Family auto insurance review

• Average cost of car insurance from American Family in the U.S.

  Driver profile	Full coverage rate	Minimum coverage rate
  Clean driving record, good credit	$2,671	$801
  One speeding ticket, good credit	$3,207	$958
  One at-fault crash, good credit	$3,484	$1,087
  One DUI, good credit	$3,509	$977
  Clean driving record, poor credit	$4,053	$1,156

The best car insurance company for you will depend on personal characteristics like your driving history, budget, coverage needs and vehicle. Because these factors are different for each driver, there isn’t one company that’s best (or cheapest) for everyone.

Of all of the top-rated car insurance companies in Georgia, these are the ones we think are best for certain types of drivers:

» MORE: The best home insurance in Georgia

For the most part, car insurance works similarly in Georgia as it does in most other states. At the same time, understanding the coverage you need and the kind of damage your policy will pay for can help you know what to expect after an accident.

There are many more insurance companies in Georgia than the ones we’ve called out here. If you’re unsure which one is right for you, or you want to do some research on your own, you can follow these steps while shopping for car insurance.

• Understand the coverage you need. Car insurance is already expensive. While NerdWallet recommends getting more insurance than what Georgia requires, you don’t want to end up paying for insurance you don’t actually need.

• Know the type of company that you’re looking for. Some insurers are better suited to drivers looking for cheap rates; others best match drivers looking for robust coverage options or consistently reliable service. Having a handle on what you prefer in an insurance company can help you decide on the right insurer.

• Consider other factors. One particular detail can greatly influence which insurer is the best for you. Your list of top companies may change if you work from home and almost never drive, want to bundle policies or need coverage for a new driver in your family.

• Shop around at least once a year. The cost of car insurance changes regularly. Before you buy a policy, shop around and compare rates from a few car insurance companies to be sure that yours is still the best choice for your budget.

• Don’t shy away from smaller insurers. A small, regional insurance company in Georgia may line up best with your coverage needs and budget. An agent or broker could help you find local insurance companies in your area.

» MORE: How to get car insurance