Fact CheckedCheap car insurance in Georgia, at a glance
Coverage type
Full coverage | Donegal, $106 per month
Minimum coverage | Donegal, $33 per month
Driving record
Speeding ticket | Donegal, $133 per month
At-fault accident | Donegal, $127 per month
DUI | Donegal, $150 per month
Driver age
Young drivers | Donegal, $205 per month
Millennial drivers | Donegal, $110 per month
Gen X drivers | Donegal, $104 per month
Senior drivers | Donegal, $123 per month
Credit-based insurance score
Good credit | Donegal, $106 per month
Poor credit | Georgia Farm Bureau, $176 per month
These are median rates from NerdWallet's April 2026 analysis, but your rate will vary based on your personal information, location and insurance provider. Not all companies offer policies in every state.
NerdWallet analyzed rates from 15 car insurance companies in Georgia. We collected rates from every ZIP code in the state for drivers with different coverage levels, ages, driving records and credit histories.
For more detailed information on how we found the cheapest car insurance companies in Georgia, check out our full methodology at the bottom of this page.
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 rates we show you because our team of analysts rigorously eliminates outliers and inaccuracies in pricing data. We gather and analyze rates data from every ZIP code in a state where coverage is offered and such data is available.
When we compare rates across driving profiles, we change only one variable at a time. This way, it’s easy to see how each factor affects the cost of auto insurance.
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Cheapest car insurance in Georgia for full coverage
Donegal has the cheapest car insurance in Georgia for full coverage, with an average rate of $106 per month or $1,267 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, two types of insurance that help cover your own car from most types of damage, including weather, hit-and-runs and theft.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Donegal | $1,267 | $106 |
| Georgia Farm Bureau | $1,605 | $134 |
| Central Insurance | $1,765 | $147 |
| Progressive | $2,254 | $188 |
| Country Financial | $2,442 | $204 |
Rates refreshed April 2026.
Tips for finding cheaper car insurance in Georgia
On average, Georgia is one of the most expensive states for car insurance. Although rates in Georgia can be higher than in other states, there are still a few reliable ways for many drivers to lower their rates.
The easiest way to make sure you’re not paying more than you need to is by comparing car insurance rates from a few companies before buying a policy — and re-shopping before you renew. You may also lower your rates by increasing what you’d pay toward a future claim (your deductible) and by dropping coverage on an older car that is worth less than the amount it would cost to insure.
Andrew Hurst, Licensed Insurance Professional
Cheapest car insurance in Georgia for minimum coverage
Donegal has the cheapest car insurance in Georgia for minimum coverage, with an average rate of $33 per month or $394 per year.
Georgia requires two kinds of liability insurance. After an accident, your liability insurance would help pay for the injuries and property damage that you cause to others. But you’d have to cover your injuries and your car’s damage by yourself if you caused the accident.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Donegal | $394 | $33 |
| Georgia Farm Bureau | $481 | $40 |
| Central Insurance | $488 | $41 |
| GEICO | $551 | $46 |
| Progressive | $822 | $68 |
Rates refreshed April 2026.
Georgia requires bodily injury liability and property damage liability insurance, which help pay for the injuries and property damage you cause . Drivers must carry a car insurance policy that has at least:
$25,000 bodily injury liability coverage per person.
$50,000 bodily injury liability coverage per crash.
$25,000 property damage liability coverage per crash.
But we recommend getting more than the minimum amount of insurance that Georgia requires if you can afford it. While the minimum amounts of coverage that Georgia requires might seem like a lot of money, the injuries and property damage that a serious accident causes could easily leave you responsible for tens of thousands of dollars.
Cheap car insurance in Georgia from top companies
It’s possible to find car insurance from a company in Georgia that’s both relatively affordable and well known for offering reliable service and strong coverage options.
NerdWallet’s editors awarded each of these companies in Georgia a rating of at least 4.5 stars out of 5 for customer service, financial stability, online experience and discount offerings.
GEICO (5.0 NerdWallet Rating out of 5): $5,220 per year, $435 per month.
Nationwide (4.8 NerdWallet Rating): $4,579 per year, $382 per month.
Progressive (4.8 NerdWallet Rating): $2,254 per year, $188 per month.
State Farm (4.8 NerdWallet Rating): $3,580 per year, $298 per month.
Country Financial (4.7 NerdWallet Rating): $2,442 per year, $204 per month.
USAA* (4.7 NerdWallet Rating): $2,042 per year, $170 per month.
Central Insurance (4.6 NerdWallet Rating): $1,765 per year, $147 per month.
Farmers (4.6 NerdWallet Rating): $3,410 per year, $284 per month.
Auto-Owners (4.6 NerdWallet Rating): $2,703 per year, $225 per month.
*USAA is available only to military families, veterans and some federal employees.
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.
Below are the cheapest insurers in Atlanta for 35-year-old drivers, according to our analysis. To see the full list, read NerdWallet's analysis of car insurance in Atlanta.
Category Cheapest Company Median annual rate Clean driving history Donegal $1,642 After a DUI Donegal $2,442 After an accident Donegal $2,010 After a speeding ticket Georgia Farm Bureau $2,095 Having poor credit Georgia Farm Bureau $2,801 Category Cheapest Company Median annual rate Clean driving history Donegal $597 After a DUI Donegal $928 After an accident Donegal $746 After a speeding ticket Georgia Farm Bureau $606 Having poor credit Georgia Farm Bureau $715 Rates refreshed April 2026.
These are the cheapest car insurance companies in Augusta for different driving profiles.
Category Cheapest Company Median annual rate Clean driving history Donegal $1,304 After a DUI Donegal $1,890 After an accident Donegal $1,579 After a speeding ticket Donegal $1,664 Having poor credit Georgia Farm Bureau $2,431 Category Cheapest Company Median annual rate Clean driving history Donegal $437 After a DUI Donegal $679 After an accident Donegal $546 After a speeding ticket Georgia Farm Bureau $527 Having poor credit Georgia Farm Bureau $575 These are the cheapest car insurance companies in Columbus for different driving profiles.
Category Cheapest Company Median annual rate Clean driving history Donegal $1,382 After a DUI Donegal $2,043 After an accident Donegal $1,687 After a speeding ticket Georgia Farm Bureau $1,729 Having poor credit Georgia Farm Bureau $2,251 Category Cheapest Company Median annual rate Clean driving history Donegal $471 After a DUI Donegal $733 After an accident Donegal $588 After a speeding ticket Georgia Farm Bureau $603 Having poor credit Georgia Farm Bureau $551 Below are the cheapest insurers in Marietta for 35-year-old drivers, according to our analysis. To see the full list, read NerdWallet's analysis of car insurance in Marietta.
Category Cheapest Company Median annual rate Clean driving history Donegal $1,515 After a DUI Donegal $2,260 After an accident Donegal $1,856 After a speeding ticket Georgia Farm Bureau $1,841 Having poor credit Georgia Farm Bureau $2,477 Category Cheapest Company Median annual rate Clean driving history Donegal $570 After a DUI Donegal $886 After an accident Georgia Farm Bureau $681 After a speeding ticket Georgia Farm Bureau $629 Having poor credit Georgia Farm Bureau $619 Rates refreshed April 2026.
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.
Donegal has the cheapest car insurance for young drivers in Georgia, with an average rate of $205 per month or $2,457 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.
Company Median annual rate Median monthly rate Donegal $2,457 $205 Central Insurance $2,677 $223 Country Financial $4,059 $338 Progressive $4,424 $369 Georgia Farm Bureau $4,490 $374 Company Median annual rate Median monthly rate Central Insurance $869 $72 Donegal $879 $73 Georgia Farm Bureau $1,243 $104 GEICO $1,258 $105 Progressive $1,696 $141 These are median rates for 20-year-old drivers who get their own standalone policy, according to our April 2026 analysis. A driver who’s added to an existing policy may have cheaper rates.
Donegal has the cheapest car insurance for millennials in Georgia, with an average rate of $110 per month or $1,321 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.
Company Median annual rate Median monthly rate Donegal $1,321 $110 Georgia Farm Bureau $1,678 $140 Central Insurance $1,891 $158 Progressive $2,319 $193 Country Financial $2,592 $216 Company Median annual rate Median monthly rate Donegal $416 $35 Georgia Farm Bureau $481 $40 Central Insurance $529 $44 GEICO $556 $46 Progressive $851 $71 These are median rates for 30-year-old drivers, according to our April 2026 analysis.
Donegal has the cheapest car insurance for Gen X drivers in Georgia, with an average rate of $104 per month or $1,251 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.
Company Median annual rate Median monthly rate Donegal $1,251 $104 Georgia Farm Bureau $1,527 $127 Central Insurance $1,652 $138 Progressive $1,887 $157 Country Financial $2,114 $176 Company Median annual rate Median monthly rate Donegal $388 $32 Georgia Farm Bureau $455 $38 Central Insurance $460 $38 GEICO $737 $61 Progressive $763 $64 These are median rates for 50-year-old drivers, according to our April 2026 analysis.
Donegal has the cheapest car insurance for senior drivers in Georgia, with an average rate of $123 per month or $1,476 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.
Company Median annual rate Median monthly rate Donegal $1,476 $123 Georgia Farm Bureau $1,542 $129 Central Insurance $2,037 $170 Progressive $2,039 $170 Country Financial $2,150 $179 Company Median annual rate Median monthly rate Georgia Farm Bureau $455 $38 Donegal $539 $45 Central Insurance $623 $52 GEICO $695 $58 Progressive $866 $72 These are median rates for 70-year-old drivers, according to our April 2026 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.
Donegal has the cheapest car insurance in Georgia after a speeding ticket, with an average rate of $133 per month or $1,597 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.
Company Median annual rate Median monthly rate Donegal $1,597 $133 Georgia Farm Bureau $1,641 $137 Central Insurance $2,262 $189 Progressive $2,789 $232 Country Financial $3,058 $255 Company Median annual rate Median monthly rate Donegal $525 $44 Georgia Farm Bureau $529 $44 GEICO $633 $53 Central Insurance $677 $56 Progressive $989 $82 Rates refreshed April 2026.
Donegal has the cheapest car insurance in Georgia after an at-fault accident, with an average rate of $127 per month or $1,522 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.
Company Median annual rate Median monthly rate Donegal $1,522 $127 Georgia Farm Bureau $1,970 $164 Central Insurance $2,684 $224 Country Financial $3,407 $284 Progressive $3,704 $309 Company Median annual rate Median monthly rate Donegal $491 $41 Georgia Farm Bureau $529 $44 Central Insurance $842 $70 GEICO $1,032 $86 Auto-Owners $1,364 $114 Rates refreshed April 2026.
Donegal has the cheapest car insurance in Georgia after a DUI, with an average rate of $150 per month or $1,798 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 $3,185 per year, on average, while someone with a DUI on their record could pay $5,075 for the same coverage.
Company Median annual rate Median monthly rate Donegal $1,798 $150 Georgia Farm Bureau $3,272 $273 Progressive $3,447 $287 Country Financial $3,512 $293 Central Insurance $4,449 $371 Company Median annual rate Median monthly rate Donegal $613 $51 Georgia Farm Bureau $951 $79 Progressive $1,235 $103 Central Insurance $1,517 $126 Country Financial $1,683 $140 Rates refreshed April 2026.
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 $2,111 per year for full coverage.
Company Median annual rate Median monthly rate Georgia Farm Bureau $2,111 $176 Central Insurance $3,203 $267 Progressive $3,372 $281 Country Financial $3,445 $287 Allstate $5,282 $440 Company Median annual rate Median monthly rate Georgia Farm Bureau $481 $40 GEICO $683 $57 Central Insurance $854 $71 Progressive $1,197 $100 Safeway $1,408 $117 Rates refreshed April 2026.
Donegal has the cheapest car insurance in Georgia for drivers with good credit, with an average rate of $106 per month or $1,267 per year for full coverage.
Company Median annual rate Median monthly rate Donegal $1,267 $106 Georgia Farm Bureau $1,605 $134 Central Insurance $1,765 $147 Progressive $2,254 $188 Country Financial $2,442 $204 Company Median annual rate Median monthly rate Donegal $394 $33 Georgia Farm Bureau $481 $40 Central Insurance $488 $41 GEICO $551 $46 Progressive $822 $68 Rates refreshed April 2026.
Cheapest car insurance in Georgia for military families
Full coverage
$170 /month
Liability only
$50 /month
USAA offers auto insurance to active military, veterans, certain federal employees and their families only.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
More than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
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 67 of the 70 driver profiles we examined.
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NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Office of the Commissioner of Insurance and Safety Fire. Auto Insurance. Accessed .
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. 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.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. 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 only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
