Get Cheap Auto Insurance In Georgia: Tips And Tricks

Car insurance in Georgia costs $1,535 per year, which is just over $6 more than the national average rate. The cheapest car insurance companies in Georgia are Central Insurance, Country Financial, Auto-Owners, USAA, and Geico. The average cost of full coverage in Georgia is $2,051 per year, or $171 per month. If you want the cheapest policy possible, opt for minimum coverage, which costs an average of $651 per year, or $54 per month.

The cheapest car insurance companies in Georgia

Georgia's car insurance rates are slightly higher than the national average. The average cost of full coverage car insurance in Georgia is $2,562 per year, while the national average is $2,329. The cheapest car insurance companies in Georgia include:

• Encompass
• Mercury
• Auto-Owners
• Allstate
• Central Insurance
• Country Financial
• USAA
• Geico

The cheapest company for minimum coverage is Encompass, while Mercury is the cheapest for full coverage. Auto-Owners is the cheapest for drivers with prior incidents, and Allstate is the cheapest for young drivers.

Cheapest car insurance companies in Georgia for minimum coverage

The cost of car insurance varies depending on several factors, such as age, location, driving record, and more. Here is a list of some of the cheapest car insurance companies in Georgia for minimum coverage:

• Central Insurance: Offers the cheapest liability-only car insurance in Georgia, with an average rate of $584 per year, or $49 per month.
• Auto-Owners Insurance: Offers the second-cheapest minimum coverage in Georgia, with an average rate of $49 per month.
• Encompass: According to Bankrate, Encompass offers the cheapest minimum coverage in Georgia, with an average rate of $42 per month.
• Georgia Farm Bureau: Offers the cheapest full coverage in Georgia, with an average rate of $1,403 per year, or $117 per month.
• Allstate: Offers the cheapest rates for drivers with a DUI history, with an average rate of $210 per month.
• USAA: Available only to military members, veterans, and their families, USAA is often one of the cheapest options in Georgia for various driver profiles.

Cheapest car insurance in Georgia for full coverage

Full coverage car insurance in Georgia costs an average of $2,051 per year, or $171 per month.

Cheapest car insurance companies in Georgia for full coverage

• Georgia Farm Bureau: $1,403 per year on average, or $117 per month
• Central Insurance: $351 per year on average for minimum coverage
• Auto-Owners Insurance: $1,990 per year on average for full coverage
• Mercury: $2,562 per year on average for full coverage
• Allstate: $2,231 per year on average for full coverage
• Encompass: $861 per year on average for minimum coverage

Factors affecting car insurance rates in Georgia

Car insurance rates in Georgia are determined by factors such as age, gender, marital status, vehicle type, driving record, credit score, and location.

Tips for getting cheaper car insurance in Georgia

• Look for discounts offered by insurance companies.
• Compare quotes from multiple insurance providers.
• Maintain a good driving record.
• Choose a higher deductible.
• Improve your credit score.
• Drive a safe vehicle with safety features.
• Consider usage-based insurance.
• Review and update your coverage periodically.

Cheapest car insurance in Georgia for drivers with prior incidents

Georgia drivers with prior incidents may find lower insurance premiums with a provider that specialises in high-risk drivers. Comparing rates between insurance companies is paramount.

Cheapest car insurance for drivers with a ticket

Mercury offers the cheapest car insurance for drivers with a ticket in Georgia.

Cheapest car insurance for drivers with an at-fault accident

Encompass offers the cheapest car insurance for drivers with an at-fault accident in Georgia.

Cheapest car insurance for high-risk drivers

Mercury offers the cheapest car insurance for high-risk drivers in Georgia.

Cheapest car insurance for drivers with a speeding ticket

Auto-Owners offers the cheapest car insurance for drivers with a speeding ticket in Georgia.

Cheapest car insurance for drivers with a DUI

Allstate offers the cheapest car insurance for drivers with a DUI in Georgia.

Cheapest car insurance for young drivers in Georgia

Young drivers in Georgia can expect to pay more for car insurance than older adults. The cheapest car insurance for young drivers in Georgia depends on their age, gender, driving history, and location. Here are some of the cheapest options for young drivers in Georgia:

For teens and their families:

• Allstate: $1,745 per year for male teens and $1,668 for female teens
• Auto-Owners: $2,554 for male teens; GEICO: $2,315 for female teens

For young adults in their 20s:

• Country Financial: $1,087 per year
• Allstate: $1,389 per year

For seniors:

• Country Financial: $657 per year
• Auto-Owners Insurance Co: $1,137 per year

It's important to note that these rates may vary depending on individual factors, and it's always a good idea to shop around and compare quotes from multiple insurance providers to find the best rate.

Frequently asked questions