Best Auto Insurance Discounts In Georgia: How To Save

Georgia drivers pay an average of $2,562 per year for full coverage and $861 per year for minimum coverage, whereas the national average annual rates are $2,348 and $639, respectively. If you’re shopping for cheap car insurance in Georgia, Bankrate’s insurance editorial team has done the work for you.

The cheapest company for minimum coverage: Encompass

The cheapest company for full coverage: Mercury

The cheapest company for drivers with prior incidents: Auto-Owners

The cheapest company for young drivers: Allstate

Cheapest car insurance companies in Georgia

Georgia drivers are legally required to have bodily injury liability and property damage liability insurance. The minimum coverage includes:

• Bodily injury liability: $25,000 per person and $50,000 per accident
• Property damage liability: $25,000 per accident

The average cost of car insurance in Georgia is $1,256 per year for minimum coverage and $2,907 per year for full coverage.

Central Insurance

Central Insurance offers the cheapest car insurance in Georgia with average rates of $584 per year for liability coverage and $1,823 per year for a full-coverage policy.

Country Financial

Country Financial is the cheapest car insurance company in Georgia for drivers with poor credit. It also has the cheapest rates for seniors.

Auto-Owners Insurance

Auto-Owners Insurance has the lowest average annual rate in Georgia at $99.25 per month. It is also the cheapest car insurance company in Georgia for young adults.

USAA

USAA is the cheapest auto insurance company in Georgia, with average rates of $1,562 annually. However, it is only available to military families.

Cheapest car insurance for minimum coverage

In Georgia, the average cost of car insurance is $1,432 per year, according to a 2024 study. The cheapest car insurance company in Georgia is Auto-Owners Insurance, with an average annual rate of $1,191.

The cost of car insurance varies depending on factors such as age, driving history, vehicle type, and location. To find the cheapest car insurance in Georgia, it is recommended to shop around and compare quotes from multiple providers.

• Auto-Owners Insurance
• Central Insurance
• Country Financial
• USAA
• Geico
• Travelers
• State Farm
• Progressive
• Allstate

Cheapest car insurance for full coverage

Georgia

According to MarketWatch, Central Insurance offers the cheapest full-coverage car insurance in Georgia, with an average rate of $1,823 per year. However, according to US News, Auto-Owners Insurance has the lowest average annual rate in Georgia at $99.25 per month.

Colorado

According to NerdWallet, American National offers the cheapest full-coverage car insurance in Colorado, with an average rate of $1,123 per year.

Cheapest car insurance for drivers with prior incidents

• Central Insurance -- offers the cheapest car insurance in Georgia with average rates of $584 per year for liability coverage and $1,823 per year for a full-coverage policy.
• Country Financial -- offers the cheapest rates on average for minimum-liability policies and drivers with poor credit.
• Auto-Owners Insurance -- has the lowest average rates in Georgia for motorists with a clean driving record.
• State Farm -- has the cheapest average rate in Georgia for drivers with a DUI on their record.
• Geico -- has the lowest average car rates for drivers with poor credit.

Cheapest car insurance for young drivers

When it comes to car insurance for young drivers in Georgia, there are a few options that can provide affordable coverage. Here are some of the cheapest providers and the average costs for their policies:

• Central Insurance: Offers the cheapest rates for minimum liability and full coverage. Minimum liability insurance costs around $49 per month or $584 per year, while full coverage costs approximately $152 per month or $1,823 annually.
• Country Financial: Known for its affordable rates, especially for high-risk drivers. Minimum liability insurance averages $52 per month, and full coverage is about $178 per month.
• Auto-Owners Insurance: Provides competitive rates for young drivers, with minimum liability coverage at roughly $56 per month and full coverage at $166 per month.
• USAA: Available exclusively to military members, veterans, and their families, USAA offers affordable coverage. Minimum liability insurance is approximately $67 per month, while full coverage is around $170 per month.
• Geico: While not the cheapest overall, Geico is known for having competitive rates for seniors. Minimum liability insurance costs about $78 per month, and full coverage is approximately $202 per month.

It's important to note that these rates may vary based on individual factors such as age, driving history, vehicle type, and location. Additionally, insurance companies offer various discounts that can further reduce premiums. It's recommended to shop around and compare quotes from multiple providers to find the best rates for your specific situation.

Frequently asked questions