Best Auto Insurance Companies In Georgia: Top Picks

Georgia drivers are legally required to have car insurance, but finding the best car insurance rates in the state doesn't have to be complicated. The best car insurance companies in Georgia are The General, GAINSCO, and Direct Auto, based on user ratings on WalletHub. The cheapest car insurance companies in Georgia are Country Financial, Auto-Owners, and USAA. Auto-Owners Insurance has the lowest average annual rate in Georgia at $99.25 per month. The average cost for car insurance in Georgia is $1,432 per year, according to our study, which is $111 cheaper than the national average rate of $1,543 per year.

Best car insurance for budget considerations

When it comes to budget considerations, Auto-Owners Insurance is a great option for drivers in Georgia. They offer highly competitive rates, with their full-coverage insurance costing an average of $1,571 per year, or $131 per month. This is significantly cheaper than the average cost of car insurance in Georgia, which is $2,562 per year.

Auto-Owners also has a long list of potential discounts, which could further lower their rates. For example, you could save money by having certain safety features on your vehicle, being a good driver, or signing up for telematics.

In addition to their affordable rates, Auto-Owners also stands out for its customizable policies. They offer a wide range of coverage add-ons, including diminished value, gap insurance, and additional expenses. This means that you can tailor your policy to your specific needs without breaking the bank.

Another budget-friendly option in Georgia is Geico. They have a long list of potential discounts, robust digital presence, and competitive average premiums. Their average full-coverage premium in Georgia is $2,423 per year, which is around $140 cheaper than the state average.

Overall, while there are several great options for car insurance in Georgia, Auto-Owners and Geico stand out for their affordable rates and customizable policies. By taking advantage of their discounts and add-ons, you can ensure that you're getting the best value for your money.

Best car insurance for low customer complaints

When it comes to low customer complaints, Auto-Owners Insurance is a great option for car insurance in Georgia. In fact, according to one source, Auto-Owners received far fewer complaints than expected for a company of its size.

Auto-Owners also offers affordable rates, with an average cost of $1,571 per year or $131 per month for Georgia drivers. This makes it the cheapest option on NerdWallet's list of insurance companies rated 4.5 or higher.

In addition to low rates and customer satisfaction, Auto-Owners provides a wide variety of products, including many coverage options and the opportunity to bundle.

Another company with low customer complaints is Acuity. In fact, Acuity had the fewest number of complaints to state regulators for a company of its size, according to NerdWallet. However, Acuity is not mentioned by other sources, and it is unclear whether they offer affordable rates.

When it comes to choosing the best car insurance company in Georgia for low customer complaints, Auto-Owners Insurance is a great option to consider due to their competitive rates and positive track record with customer satisfaction.

Best car insurance for young drivers

Young drivers in Georgia can expect to pay more for car insurance than older age groups. However, there are still some affordable options for car insurance for young drivers in the state. Here are some of the best car insurance companies for young drivers in Georgia:

• Auto-Owners Insurance: Auto-Owners has the cheapest rates in Georgia for motorists with a clean driving record: $1,191 per year. That’s $241 less than the statewide average rate of $1,432. Auto-Owners also has the cheapest average rates in Georgia for single 25-year-old drivers. Female young adults pay an average of $1,449 per year with Auto-Owners, compared to a statewide average of $1,687 in this category. Male young adults pay $1,513, almost $300 less than the statewide average of $1,812.
• Farm Bureau: Farm Bureau offers the most affordable rates for young drivers in Georgia, with an average rate of $156 per month for minimum coverage.
• State Farm: State Farm is the best car insurance company in Georgia when it comes to ease of use. State Farm customers can manage their policy and submit claims online, and the mobile app has excellent user ratings for both iOS and Android devices.
• USAA: USAA is only available to active-duty military members, veterans and their families. However, it offers affordable car insurance rates for qualified drivers, with high performance in J.D. Power customer surveys and an A++ financial strength rating from AM Best.

Best car insurance for accident forgiveness

Accident forgiveness is a feature of some car insurance policies that prevents a policyholder's premium from increasing after an at-fault car accident. This can be a valuable add-on for drivers, as without accident forgiveness, one at-fault accident can raise insurance rates by an average of 48%.

Allstate

Allstate offers accident forgiveness as part of its Gold and Platinum "Your Choice Auto" packages. The Gold package forgives one accident every three years, while the Platinum package forgives an unlimited number of accidents. The Platinum package also includes a diminishing deductible feature, which lowers your deductible by $100 for every year of safe driving, up to a maximum reduction of $500. To qualify for accident forgiveness, you must be a good driver, and the cost of these packages varies by state and driver.

Geico

Geico offers free accident forgiveness for qualifying safe drivers after five years. You can also purchase it as a supplemental coverage option, although the cost varies by state. One accident can be forgiven every three to five years, depending on the state. To qualify, drivers must be accident-free for five years.

Progressive

Progressive offers accident forgiveness to drivers who have been continuously insured by any company for six months. Customers can initially qualify for forgiveness of claims totaling less than $500. Those who remain accident and claim-free for five years may qualify for forgiveness of higher-cost claims.

State Farm

State Farm offers accident forgiveness to customers for free after nine years of safe driving. One accident can be forgiven every nine years, and customers can keep their safe driver discount after a forgiven accident.

Travelers

Travelers include accident forgiveness as part of their Responsible Driver and Premium Responsible Driver plans, which vary in cost by driver and state. To qualify, customers must be safe drivers, with no accidents or major violations in five years. With this plan, one accident and one minor violation can be forgiven every three years.

Auto-Owners

While it is not explicitly mentioned that Auto-Owners offers accident forgiveness, they do provide rare coverages such as diminished value and deductible modification. They also rank highly in claims handling and affordability, with the average annual premium for full coverage being $844.

When considering car insurance in Georgia, it is important to assess your specific needs and compare quotes from different companies.

Best car insurance for military personnel

When it comes to car insurance for military personnel in Georgia, USAA is a highly recommended option. USAA is consistently rated highly for customer satisfaction and is also one of the most affordable options for military members and their families. The company offers tailored coverage options, such as discounts for keeping your car on a military base or storing it while deployed.

Geico is another good choice for military personnel, especially for veterans and those not deployed. Geico offers a military discount of up to 15% and has some of the cheapest rates for military members.

State Farm is also worth considering, as it offers competitive rates and discounts for safe driving records and online driving courses. While State Farm does not have a specific military discount, its rates are low in some states, including Georgia.

Other insurance companies that offer good rates for military personnel in Georgia include Auto-Owners Insurance and Central Insurance. Auto-Owners has affordable rates, especially for young drivers, and Central Insurance offers a large number of discounts, including reduced rates for paperless billing and policy bundling.

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