Cheapest Car Insurance in Georgia (2025)
Best cheap car insurance in Georgia
Cheapest full-coverage car insurance in Georgia: Farm Bureau
USAA and Auto-Owners are next, with full-coverage insurance Full coverage includes collision and comprehensive. The two combine to cover your car for damage and theft. rates of around $131 and $149 a month, respectively. However, only the military community and their families can get insurance from USAA.
Full-coverage auto insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Farm Bureau | $1,334 |  |
 | Auto-Owners | $1,782 |  |
 | Geico | $2,331 | |
 | State Farm | $2,378 |  |
 | Progressive | $2,927 |  |
 | Allstate | $3,029 |  |
 | USAA* | $1,576 | |
Full-coverage car insurance includes collision Collision pays for car repairs after a collision with an object or other vehicle, usually in an accident you cause. and comprehensive Comprehensive covers damage to your car from things like fire, flood, vandalism and other non-collision causes. It also covers your theft of your car, but not personal possessions inside it. (comp), which combine to cover your car for damage and theft.
To get the cheapest full-coverage policy in Georgia, compare car insurance quotes from several companies before you renew or buy.
Georgia’s cheapest liability auto insurance: Farm Bureau
Although Auto-Owners is more expensive, it also offers a few features that Farm Bureau does not. These include gap insurance Gap insurance is often required if you owe more for your car than it’s worth. If your car is totaled, it covers the shortfall between your insurance check and loan balance. and accident forgiveness Accident forgiveness protects you from a rate increase after your first at-fault accident. .
Minimum-liability auto insurance rates
| Company | Annual rate |
|---|---|
| Farm Bureau | $569 |
| Auto-Owners | $665 |
| Geico | $971 |
| Progressive | $1,012 |
| State Farm | $1,220 |
| Allstate | $1,688 |
| USAA* | $619 |
Cheap auto insurance for young Georgia drivers: Farm Bureau
- Farm Bureau’s liability rates for young drivers average $156 a month. This is 49% less than the state average of $304 a month.
- At $354 a month, Farm Bureau’s full-coverage rate for young drivers is also the cheapest in Georgia. This is 44% less than the state average of $635 a month.
Teens can get an even lower rate from Farm Bureau by maintaining good grades and completing an approved driver training program.
Auto-Owners also gives teens a discount for earning good grades, but not one for driver training. It does offer a discount to teens who drive safely while using an approved in-car tracking device or a smartphone app.
Annual insurance rates for teens
| Company | Liability | Full coverage |
|---|---|---|
| Farm Bureau | $1,876 | $4,249 |
| Auto-Owners | $2,574 | $5,078 |
| Geico | $3,403 | $7,330 |
| State Farm | $4,240 | $7,390 |
| Progressive | $5,369 | $14,144 |
| Allstate | $6,556 | $11,629 |
| USAA* | $1,526 | $3,525 |
Georgia’s cheapest car insurance after a speeding ticket: Farm Bureau
Auto-Owners has the next-cheapest rate after a ticket at $149 a month.
In Georgia, a speeding ticket increases the average cost of car insurance by 17% to $213 a month.
GA auto insurance rates after a ticket
| Company | Annual rate |
|---|---|
| Farm Bureau | $1,460 |
| Auto-Owners | $1,782 |
| State Farm | $2,545 |
| Geico | $2,820 |
| Allstate | $3,450 |
| Progressive | $3,928 |
| USAA* | $1,947 |
Cheapest Georgia insurance quotes after an accident: Farm Bureau
Car insurance rates after an accident go up by an average of 47% to $269 a month in Georgia. Accident forgiveness can protect you from a rate increase like this.
You have to add accident forgiveness to your policy before an accident to avoid a rate increase. Auto-Owners, Allstate and Progressive are among the companies that offer it. It usually costs extra, but Progressive offers paid and free options.
Auto insurance rates after an accident
| Company | Annual rate |
|---|---|
| Farm Bureau | $1,460 |
| State Farm | $2,378 |
| Auto-Owners | $2,564 |
| Geico | $4,165 |
| Allstate | $4,877 |
| Progressive | $4,889 |
| USAA* | $2,256 |
Best insurance rates for Georgia teens with a bad driving record: Farm Bureau
- Farm Bureau charges teens with a prior ticket $172 a month for liability car insurance. This is 51% less than the state average of $350 a month.
- For teens with a prior accident, Farm Bureau’s rates also average $172 a month. This is 57% less than the state average of $398 a month.
Annual rates for teens after a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $2,063 | $2,063 |
| Auto-Owners | $2,574 | $4,119 |
| Geico | $4,019 | $4,713 |
| State Farm | $4,605 | $4,240 |
| Progressive | $5,956 | $6,423 |
| Allstate | $7,703 | $9,147 |
| USAA* | $2,480 | $2,737 |
Best car insurance rates for Georgia drivers with a DUI: Farm Bureau
Farm Bureau’s rate is 42% less than the state average of $368 a month for drivers after a DUI. It’s also 24% less than the next-cheapest rate of $284 a month from Auto-Owners.
GA insurance rates after a DUI
| Company | Annual rate |
|---|---|
| Farm Bureau | $2,580 |
| Auto-Owners | $3,411 |
| Progressive | $3,989 |
| Allstate | $4,178 |
| State Farm | $6,563 |
| Geico | $7,054 |
| USAA* | $3,152 |
Cheap car insurance rates in Georgia for bad credit: Geico
Progressive has the state’s next-cheapest rates for bad credit at $372 a month.
Insurance companies check your credit for things like your payment history and the amounts you borrow. Avoiding late payments and paying down debts may help you get a lower insurance rate, or keep it low.
Insurance rates for drivers with bad credit
| Company | Annual rate |
|---|---|
| Geico | $3,338 |
| Progressive | $4,468 |
| Auto-Owners | $4,691 |
| Allstate | $5,116 |
| State Farm | $9,054 |
| USAA* | $2,897 |
Best car insurance companies in Georgia
State Farm has higher car insurance rates than Auto-Owners, but it also has a slightly better customer satisfaction rating from J.D. Power.
Auto-Owners is the better choice if you need gap insurance or want accident forgiveness, which State Farm does not have. But State Farm offers rideshare insurance, which you can’t get from Auto-Owners.
Georgia car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Auto-Owners | 654 | A++ | |
| Farm Bureau | Not rated | B++ | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Farm Bureau has the state’s cheapest rates for most Georgia drivers. However, Farm Bureau only offers basic coverages like liability and collision. You have to choose a different company to get features like accident forgiveness, gap insurance and rideshare coverage.
You have to join the Georgia Farm Bureau to get its insurance. Membership costs $35 a year.
Georgia car insurance rates by city
The Atlanta-area city of Clarkston has the state’s most expensive car insurance at $289 a month. This is 58% higher than the state average.
Drivers in the city of Atlanta pay an average of $238 a month for car insurance, which is 30% higher than the state average. Augusta drivers, on the other hand, only pay $178 a month for car insurance, which is 2% less than the state average.
Car insurance rates near you
| City | Annual rate | % from state average |
|---|---|---|
| Abbeville | $2,026 | -7% |
| Acworth | $2,382 | 9% |
| Adairsville | $2,136 | -2% |
| Adel | $1,807 | -17% |
| Adrian | $2,113 | -3% |
| Ailey | $2,128 | -2% |
| Alamo | $2,094 | -4% |
| Alapaha | $1,934 | -11% |
| Albany | $2,001 | -8% |
| Aldora | $2,196 | 1% |
| Allenhurst | $1,981 | -9% |
| Allentown | $2,170 | 0% |
| Alma | $2,000 | -8% |
| Alpharetta | $2,390 | 10% |
| Alston | $2,190 | 1% |
| Alto | $2,114 | -3% |
| Ambrose | $1,932 | -11% |
| Americus | $2,070 | -5% |
| Andersonville | $2,016 | -7% |
| Appling | $2,096 | -4% |
| Arabi | $2,031 | -7% |
| Aragon | $2,331 | 7% |
| Argyle | $1,925 | -12% |
| Arlington | $2,017 | -7% |
| Armuchee | $2,108 | -3% |
| Arnoldsville | $2,097 | -4% |
| Ashburn | $1,998 | -8% |
| Athens | $2,084 | -4% |
| Atlanta | $2,859 | 31% |
| Attapulgus | $1,862 | -14% |
| Auburn | $2,482 | 14% |
| Augusta | $2,141 | -2% |
| Austell | $2,910 | 34% |
| Avera | $2,002 | -8% |
| Avondale Estates | $2,917 | 34% |
| Axson | $1,928 | -11% |
| Baconton | $1,933 | -11% |
| Bainbridge | $1,883 | -13% |
| Baldwin | $2,041 | -6% |
| Ball Ground | $2,238 | 3% |
| Barnesville | $2,178 | 0% |
| Barney | $1,809 | -17% |
| Bartow | $2,068 | -5% |
| Barwick | $1,961 | -10% |
| Baxley | $1,985 | -9% |
| Bellville | $2,175 | 0% |
| Belvedere Park | $3,138 | 44% |
| Berkeley Lake | $2,596 | 19% |
| Berlin | $1,967 | -10% |
| Bethlehem | $2,489 | 14% |
| Bishop | $2,306 | 6% |
| Blackshear | $1,893 | -13% |
| Blairsville | $1,991 | -9% |
| Blakely | $1,900 | -13% |
| Bloomingdale | $2,171 | 0% |
| Blue Ridge | $2,077 | -5% |
| Bluffton | $1,977 | -9% |
| Blythe | $2,156 | -1% |
| Bogart | $2,130 | -2% |
| Bolingbroke | $2,312 | 6% |
| Bonaire | $2,064 | -5% |
| Bonanza | $2,871 | 32% |
| Boneville | $2,080 | -4% |
| Boston | $1,837 | -16% |
| Bostwick | $2,402 | 10% |
| Bowdon | $2,229 | 2% |
| Bowdon Junction | $2,244 | 3% |
| Bowersville | $1,976 | -9% |
| Bowman | $1,982 | -9% |
| Box Springs | $2,249 | 3% |
| Braselton | $2,305 | 6% |
| Bremen | $2,277 | 5% |
| Brinson | $1,898 | -13% |
| Bristol | $1,911 | -12% |
| Bronwood | $2,062 | -5% |
| Brookfield | $1,987 | -9% |
| Brooklet | $2,113 | -3% |
| Brooks | $2,179 | 0% |
| Broxton | $1,968 | -10% |
| Brunswick | $1,833 | -16% |
| Buchanan | $2,323 | 7% |
| Buckhead | $2,118 | -3% |
| Buena Vista | $2,201 | 1% |
| Buford | $2,458 | 13% |
| Butler | $2,236 | 3% |
| Byromville | $2,131 | -2% |
| Byron | $2,134 | -2% |
| Cadwell | $2,028 | -7% |
| Cairo | $1,875 | -14% |
| Calhoun | $2,092 | -4% |
| Calvary | $1,906 | -12% |
| Camak | $2,055 | -6% |
| Camilla | $1,900 | -13% |
| Candler-McAfee | $3,389 | 56% |
| Canon | $1,953 | -10% |
| Canton | $2,241 | 3% |
| Carlton | $2,039 | -6% |
| Carnesville | $1,988 | -9% |
| Carrollton | $2,257 | 4% |
| Cartersville | $2,271 | 4% |
| Cassville | $2,312 | 6% |
| Cataula | $2,145 | -1% |
| Cave Spring | $2,212 | 2% |
| Cecil | $1,899 | -13% |
| Cedar Springs | $1,978 | -9% |
| Cedartown | $2,230 | 2% |
| Centerville | $2,163 | -1% |
| Centralhatchee | $2,193 | 1% |
| Chamblee | $2,533 | 16% |
| Chatsworth | $1,941 | -11% |
| Chattahoochee Hills | $2,668 | 23% |
| Chattanooga Valley | $1,958 | -10% |
| Chauncey | $2,040 | -6% |
| Cherry Log | $2,106 | -3% |
| Chester | $2,035 | -7% |
| Chestnut Mountain | $2,251 | 3% |
| Chickamauga | $1,948 | -11% |
| Chula | $1,917 | -12% |
| Cisco | $2,064 | -5% |
| Clarkdale | $2,738 | 26% |
| Clarkesville | $1,995 | -8% |
| Clarkston | $3,465 | 59% |
| Claxton | $2,065 | -5% |
| Clayton | $1,999 | -8% |
| Clermont | $2,148 | -1% |
| Cleveland | $2,093 | -4% |
| Climax | $1,899 | -13% |
| Clinchfield | $2,071 | -5% |
| Clyo | $2,154 | -1% |
| Cobb | $2,065 | -5% |
| Cobbtown | $2,114 | -3% |
| Cochran | $2,023 | -7% |
| Cohutta | $1,947 | -11% |
| Colbert | $2,133 | -2% |
| Coleman | $2,041 | -6% |
| College Park | $3,284 | 51% |
| Collins | $2,095 | -4% |
| Colquitt | $1,895 | -13% |
| Columbus | $2,268 | 4% |
| Comer | $2,082 | -4% |
| Commerce | $2,139 | -2% |
| Concord | $2,210 | 2% |
| Conley | $3,141 | 44% |
| Conyers | $2,807 | 29% |
| Coolidge | $1,912 | -12% |
| Coosa | $2,387 | 10% |
| Cordele | $2,062 | -5% |
| Cornelia | $2,028 | -7% |
| Cotton | $1,929 | -11% |
| Country Club Estates | $1,850 | -15% |
| Covington | $2,607 | 20% |
| Crandall | $1,967 | -10% |
| Crawford | $2,114 | -3% |
| Crawfordville | $2,047 | -6% |
| Crescent | $1,986 | -9% |
| Culloden | $2,256 | 4% |
| Cumming | $2,304 | 6% |
| Cusseta | $2,164 | -1% |
| Cuthbert | $1,964 | -10% |
| Dacula | $2,496 | 15% |
| Dahlonega | $2,165 | -1% |
| Daisy | $2,172 | 0% |
| Dallas | $2,491 | 14% |
| Dalton | $1,963 | -10% |
| Damascus | $1,899 | -13% |
| Danielsville | $2,073 | -5% |
| Danville | $2,170 | 0% |
| Darien | $1,857 | -15% |
| Dasher | $1,738 | -20% |
| Davisboro | $2,041 | -6% |
| Dawson | $2,000 | -8% |
| Dawsonville | $2,229 | 2% |
| De Soto | $2,045 | -6% |
| Dearing | $1,961 | -10% |
| Decatur | $2,822 | 30% |
| Deenwood | $1,862 | -14% |
| Deepstep | $2,058 | -5% |
| Demorest | $2,026 | -7% |
| Denton | $2,080 | -4% |
| Dewy Rose | $1,987 | -9% |
| Dexter | $2,032 | -7% |
| Dillard | $2,043 | -6% |
| Dixie | $1,855 | -15% |
| Dock Junction | $1,828 | -16% |
| Doerun | $1,997 | -8% |
| Donalsonville | $1,894 | -13% |
| Doraville | $2,674 | 23% |
| Douglas | $1,964 | -10% |
| Douglasville | $2,708 | 24% |
| Dover | $2,216 | 2% |
| Druid Hills | $2,519 | 16% |
| Dry Branch | $2,332 | 7% |
| Du Pont | $1,881 | -14% |
| Dublin | $2,046 | -6% |
| Dudley | $2,086 | -4% |
| Duluth | $2,623 | 20% |
| Dunwoody | $2,527 | 16% |
| Dutch Island | $2,312 | 6% |
| East Dublin | $2,023 | -7% |
| East Ellijay | $2,147 | -1% |
| East Griffin | $2,304 | 6% |
| East Point | $3,227 | 48% |
| Eastanollee | $1,951 | -10% |
| Eastman | $2,030 | -7% |
| Eatonton | $2,125 | -2% |
| Eden | $2,166 | -1% |
| Edison | $2,023 | -7% |
| Elberton | $2,001 | -8% |
| Elko | $2,079 | -4% |
| Ellabell | $2,124 | -2% |
| Ellaville | $2,244 | 3% |
| Ellenton | $1,973 | -9% |
| Ellenwood | $3,189 | 47% |
| Ellerslie | $2,141 | -2% |
| Ellijay | $2,116 | -3% |
| Emerson | $2,264 | 4% |
| Enigma | $1,976 | -9% |
| Epworth | $2,053 | -6% |
| Esom Hill | $2,327 | 7% |
| Eton | $2,064 | -5% |
| Euharlee | $2,304 | 6% |
| Evans | $2,113 | -3% |
| Experiment | $2,293 | 5% |
| Fair Oaks | $2,738 | 26% |
| Fairburn | $2,970 | 36% |
| Fairmount | $2,087 | -4% |
| Fairview | $1,953 | -10% |
| Fargo | $1,863 | -14% |
| Farmington | $2,206 | 1% |
| Fayetteville | $2,523 | 16% |
| Felton | $2,302 | 6% |
| Fitzgerald | $1,895 | -13% |
| Fleming | $1,970 | -10% |
| Flemington | $2,020 | -7% |
| Flintstone | $1,965 | -10% |
| Flovilla | $2,271 | 4% |
| Flowery Branch | $2,264 | 4% |
| Folkston | $1,832 | -16% |
| Forest Park | $3,102 | 43% |
| Forsyth | $2,215 | 2% |
| Fort Gaines | $2,007 | -8% |
| Fort Moore | $2,205 | 1% |
| Fort Oglethorpe | $1,961 | -10% |
| Fort Stewart | $2,058 | -5% |
| Fort Valley | $2,183 | 0% |
| Fortson | $2,208 | 1% |
| Fowlstown | $1,924 | -12% |
| Franklin | $2,206 | 1% |
| Franklin Springs | $2,121 | -3% |
| Funston | $2,006 | -8% |
| Gainesville | $2,229 | 2% |
| Garden City | $2,305 | 6% |
| Garfield | $2,116 | -3% |
| Gay | $2,326 | 7% |
| Geneva | $2,308 | 6% |
| Georgetown | $2,099 | -4% |
| Gibson | $2,004 | -8% |
| Gillsville | $2,193 | 1% |
| Girard | $2,197 | 1% |
| Glenn | $2,310 | 6% |
| Glennville | $2,077 | -5% |
| Glenwood | $2,075 | -5% |
| Good Hope | $2,482 | 14% |
| Gordon | $2,188 | 1% |
| Gough | $2,127 | -2% |
| Gracewood | $2,195 | 1% |
| Grantville | $2,267 | 4% |
| Gray | $2,264 | 4% |
| Grayson | $2,627 | 21% |
| Graysville | $2,027 | -7% |
| Greensboro | $2,079 | -4% |
| Greenville | $2,227 | 2% |
| Gresham Park | $3,162 | 45% |
| Griffin | $2,258 | 4% |
| Grovetown | $2,069 | -5% |
| Gumlog | $1,971 | -9% |
| Guyton | $2,112 | -3% |
| Haddock | $2,221 | 2% |
| Hagan | $2,175 | 0% |
| Hahira | $1,745 | -20% |
| Hamilton | $2,267 | 4% |
| Hampton | $2,770 | 27% |
| Hannahs Mill | $2,169 | 0% |
| Hapeville | $3,286 | 51% |
| Haralson | $2,229 | 2% |
| Hardwick | $2,273 | 4% |
| Harlem | $2,006 | -8% |
| Harrison | $2,101 | -3% |
| Hartsfield | $1,956 | -10% |
| Hartwell | $1,934 | -11% |
| Hawkinsville | $2,006 | -8% |
| Hazlehurst | $2,063 | -5% |
| Helen | $2,079 | -4% |
| Helena | $2,061 | -5% |
| Hephzibah | $2,152 | -1% |
| Hiawassee | $1,940 | -11% |
| High Shoals | $2,408 | 11% |
| Hillsboro | $2,250 | 3% |
| Hinesville | $2,043 | -6% |
| Hiram | $2,638 | 21% |
| Hoboken | $1,849 | -15% |
| Hogansville | $2,208 | 1% |
| Holly Springs | $2,273 | 4% |
| Homer | $2,068 | -5% |
| Homerville | $1,882 | -14% |
| Hortense | $1,896 | -13% |
| Hoschton | $2,301 | 6% |
| Howard | $2,295 | 5% |
| Hull | $2,141 | -2% |
| Ideal | $2,219 | 2% |
| Ila | $2,141 | -2% |
| Indian Springs | $1,947 | -11% |
| Iron City | $1,882 | -14% |
| Irondale | $3,086 | 42% |
| Irwinton | $2,121 | -3% |
| Isle of Hope | $2,326 | 7% |
| Ivey | $2,203 | 1% |
| Jackson | $2,268 | 4% |
| Jacksonville | $2,107 | -3% |
| Jakin | $1,901 | -13% |
| Jasper | $2,179 | 0% |
| Jefferson | $2,243 | 3% |
| Jeffersonville | $2,214 | 2% |
| Jekyll Island | $1,817 | -17% |
| Jenkinsburg | $2,335 | 7% |
| Jersey | $2,680 | 23% |
| Jesup | $1,941 | -11% |
| Jewell | $2,104 | -3% |
| Johns Creek | $2,490 | 14% |
| Jonesboro | $2,997 | 38% |
| Juliette | $2,237 | 3% |
| Junction City | $2,353 | 8% |
| Kathleen | $2,071 | -5% |
| Kennesaw | $2,423 | 11% |
| Keysville | $2,051 | -6% |
| Kings Bay | $1,776 | -18% |
| Kings Bay Base | $1,771 | -19% |
| Kingsland | $1,811 | -17% |
| Kingston | $2,247 | 3% |
| Kite | $2,110 | -3% |
| Knoxville | $2,260 | 4% |
| LaFayette | $1,926 | -12% |
| Lagrange | $2,198 | 1% |
| Lake City | $3,008 | 38% |
| Lake Park | $1,765 | -19% |
| Lakeland | $1,829 | -16% |
| Lakemont | $1,969 | -10% |
| Lakeview | $1,925 | -12% |
| Lakeview Estates | $2,824 | 30% |
| Lavonia | $1,956 | -10% |
| Lawrenceville | $2,682 | 23% |
| Leary | $2,071 | -5% |
| Lebanon | $2,285 | 5% |
| Leesburg | $1,946 | -11% |
| Lenox | $1,874 | -14% |
| Leslie | $2,083 | -4% |
| Lexington | $2,056 | -6% |
| Lilburn | $2,736 | 26% |
| Lilly | $2,287 | 5% |
| Lincoln Park | $2,166 | 0% |
| Lincolnton | $2,017 | -7% |
| Lindale | $2,223 | 2% |
| Lithia Springs | $2,881 | 32% |
| Lithonia | $3,390 | 56% |
| Lizella | $2,241 | 3% |
| Locust Grove | $2,631 | 21% |
| Loganville | $2,682 | 23% |
| Lookout Mountain | $1,970 | -9% |
| Louisville | $2,055 | -6% |
| Louvale | $2,001 | -8% |
| Lovejoy | $2,829 | 30% |
| Ludowici | $2,028 | -7% |
| Lula | $2,164 | -1% |
| Lumber City | $2,107 | -3% |
| Lumpkin | $2,024 | -7% |
| Luthersville | $2,255 | 4% |
| Lyerly | $2,093 | -4% |
| Lyons | $2,116 | -3% |
| Mableton | $2,905 | 33% |
| Macon | $2,375 | 9% |
| Madison | $2,121 | -3% |
| Manassas | $2,102 | -3% |
| Manchester | $2,207 | 1% |
| Manor | $1,841 | -15% |
| Mansfield | $2,450 | 13% |
| Marble Hill | $2,211 | 2% |
| Marietta | $2,605 | 20% |
| Marshallville | $2,120 | -3% |
| Martin | $1,991 | -9% |
| Martinez | $2,114 | -3% |
| Matthews | $2,021 | -7% |
| Mauk | $2,302 | 6% |
| Maxeys | $2,157 | -1% |
| Maysville | $2,160 | -1% |
| Mc Intyre | $2,229 | 2% |
| McCaysville | $2,012 | -8% |
| McRae | $2,045 | -6% |
| Mcdonough | $2,707 | 24% |
| Meansville | $2,185 | 0% |
| Meigs | $1,967 | -10% |
| Meldrim | $2,180 | 0% |
| Menlo | $2,100 | -4% |
| Meridian | $1,994 | -8% |
| Mershon | $1,918 | -12% |
| Mesena | $2,104 | -3% |
| Metter | $2,104 | -3% |
| Midland | $2,263 | 4% |
| Midville | $2,104 | -3% |
| Midway | $2,080 | -4% |
| Milan | $2,098 | -4% |
| Milledgeville | $2,340 | 8% |
| Millen | $2,162 | -1% |
| Millwood | $1,889 | -13% |
| Milner | $2,206 | 1% |
| Milton | $2,323 | 7% |
| Mineral Bluff | $1,995 | -8% |
| Mitchell | $2,094 | -4% |
| Molena | $2,193 | 1% |
| Monroe | $2,510 | 15% |
| Montezuma | $2,153 | -1% |
| Montgomery | $2,331 | 7% |
| Monticello | $2,258 | 4% |
| Montrose | $2,031 | -7% |
| Moody AFB | $1,715 | -21% |
| Moreland | $2,198 | 1% |
| Morgan | $2,035 | -7% |
| Morganton | $2,027 | -7% |
| Morris | $1,992 | -8% |
| Morrow | $3,073 | 41% |
| Morven | $1,809 | -17% |
| Moultrie | $1,992 | -8% |
| Mount Airy | $1,979 | -9% |
| Mount Berry | $2,156 | -1% |
| Mount Vernon | $2,111 | -3% |
| Mount Zion | $2,208 | 1% |
| Mountain City | $2,121 | -3% |
| Mountain Park | $2,699 | 24% |
| Murrayville | $2,172 | 0% |
| Musella | $2,292 | 5% |
| Mystic | $1,975 | -9% |
| Nahunta | $1,898 | -13% |
| Nashville | $1,888 | -13% |
| Naylor | $1,776 | -18% |
| Nelson | $2,276 | 5% |
| Newborn | $2,300 | 6% |
| Newington | $2,280 | 5% |
| Newnan | $2,243 | 3% |
| Newton | $1,991 | -9% |
| Nicholls | $2,022 | -7% |
| Nicholson | $2,111 | -3% |
| Norcross | $2,710 | 25% |
| Norman Park | $1,939 | -11% |
| Norristown | $2,225 | 2% |
| North Atlanta | $2,514 | 15% |
| North Decatur | $2,652 | 22% |
| North Druid Hills | $2,587 | 19% |
| North Metro | $2,557 | 17% |
| Norwood | $2,045 | -6% |
| Nunez | $2,223 | 2% |
| Oakfield | $2,111 | -3% |
| Oakman | $2,146 | -1% |
| Oakwood | $2,243 | 3% |
| Ochlocknee | $1,929 | -11% |
| Ocilla | $1,870 | -14% |
| Oconee | $2,280 | 5% |
| Odum | $1,969 | -10% |
| Offerman | $1,947 | -11% |
| Oglethorpe | $2,236 | 3% |
| Oliver | $2,291 | 5% |
| Omaha | $2,000 | -8% |
| Omega | $1,917 | -12% |
| Orchard Hill | $2,243 | 3% |
| Oxford | $2,582 | 19% |
| Palmetto | $2,582 | 19% |
| Panthersville | $3,442 | 58% |
| Parrott | $2,094 | -4% |
| Patterson | $1,904 | -13% |
| Pavo | $1,911 | -12% |
| Peachtree City | $2,166 | 0% |
| Peachtree Corners | $2,581 | 19% |
| Pearson | $1,934 | -11% |
| Pelham | $1,887 | -13% |
| Pembroke | $2,043 | -6% |
| Pendergrass | $2,185 | 0% |
| Perkins | $2,176 | 0% |
| Perry | $2,048 | -6% |
| Phillipsburg | $1,901 | -13% |
| Pine Lake | $3,072 | 41% |
| Pine Mountain | $2,180 | 0% |
| Pine Mountain Valley | $2,238 | 3% |
| Pinehurst | $2,117 | -3% |
| Pineview | $2,033 | -7% |
| Pitts | $2,016 | -7% |
| Plains | $2,114 | -3% |
| Plainville | $2,113 | -3% |
| Pooler | $2,203 | 1% |
| Port Wentworth | $2,230 | 2% |
| Portal | $2,067 | -5% |
| Porterdale | $2,562 | 18% |
| Poulan | $1,979 | -9% |
| Powder Springs | $2,760 | 27% |
| Pulaski | $2,205 | 1% |
| Putney | $2,005 | -8% |
| Quitman | $1,784 | -18% |
| Rabun Gap | $1,990 | -9% |
| Ranger | $2,085 | -4% |
| Raoul | $2,116 | -3% |
| Ray City | $1,800 | -17% |
| Rayle | $2,052 | -6% |
| Rebecca | $2,010 | -8% |
| Red Oak | $2,940 | 35% |
| Redan | $3,407 | 57% |
| Reed Creek | $1,938 | -11% |
| Register | $2,059 | -5% |
| Reidsville | $2,071 | -5% |
| Remerton | $1,733 | -20% |
| Rentz | $2,029 | -7% |
| Resaca | $2,039 | -6% |
| Rex | $2,930 | 35% |
| Reynolds | $2,235 | 3% |
| Rhine | $2,030 | -7% |
| Riceboro | $2,021 | -7% |
| Richland | $2,042 | -6% |
| Richmond Hill | $2,113 | -3% |
| Rincon | $2,130 | -2% |
| Ringgold | $1,943 | -11% |
| Rising Fawn | $1,994 | -8% |
| Riverdale | $3,149 | 45% |
| Roberta | $2,244 | 3% |
| Robins AFB | $2,190 | 1% |
| Rochelle | $2,030 | -7% |
| Rock Spring | $1,943 | -11% |
| Rockledge | $2,050 | -6% |
| Rockmart | $2,359 | 8% |
| Rocky Face | $1,959 | -10% |
| Rocky Ford | $2,189 | 1% |
| Rome | $2,179 | 0% |
| Roopville | $2,228 | 2% |
| Rossville | $1,950 | -10% |
| Roswell | $2,408 | 11% |
| Royston | $1,996 | -8% |
| Rupert | $2,251 | 3% |
| Russell | $2,435 | 12% |
| Rutledge | $2,230 | 2% |
| Rydal | $2,199 | 1% |
| Sale City | $1,942 | -11% |
| Sandersville | $2,044 | -6% |
| Sandy Springs | $2,509 | 15% |
| Sapelo Island | $1,990 | -9% |
| Sardis | $2,181 | 0% |
| Sargent | $2,383 | 9% |
| Sasser | $2,040 | -6% |
| Satilla | $2,072 | -5% |
| Sautee Nacoochee | $2,040 | -6% |
| Savannah | $2,360 | 8% |
| Scotland | $2,128 | -2% |
| Scottdale | $3,114 | 43% |
| Screven | $1,976 | -9% |
| Sea Island | $1,821 | -16% |
| Senoia | $2,134 | -2% |
| Seville | $2,109 | -3% |
| Shady Dale | $2,253 | 3% |
| Shannon | $2,165 | -1% |
| Sharon | $2,241 | 3% |
| Sharpsburg | $2,260 | 4% |
| Shellman | $2,037 | -6% |
| Shiloh | $2,267 | 4% |
| Siloam | $2,145 | -1% |
| Silver Creek | $2,265 | 4% |
| Skidaway Island | $2,179 | 0% |
| Sky Valley | $1,998 | -8% |
| Smarr | $2,268 | 4% |
| Smithville | $2,026 | -7% |
| Smyrna | $2,593 | 19% |
| Snellville | $2,806 | 29% |
| Social Circle | $2,487 | 14% |
| Soperton | $2,101 | -3% |
| Sparks | $1,838 | -16% |
| Sparta | $2,191 | 1% |
| Springfield | $2,121 | -3% |
| St. George | $1,911 | -12% |
| St. Marys | $1,777 | -18% |
| St. Simons | $1,831 | -16% |
| St. Simons Island | $1,866 | -14% |
| Stapleton | $1,973 | -9% |
| Statenville | $1,909 | -12% |
| Statesboro | $2,103 | -3% |
| Statham | $2,285 | 5% |
| Stephens | $2,037 | -6% |
| Stillmore | $2,142 | -2% |
| Stockbridge | $2,803 | 29% |
| Stockton | $1,831 | -16% |
| Stone Mountain | $3,255 | 50% |
| Suches | $2,010 | -8% |
| Sugar Hill | $2,487 | 14% |
| Sugar Valley | $2,031 | -7% |
| Summerville | $2,043 | -6% |
| Sumner | $2,016 | -7% |
| Sunny Side | $2,291 | 5% |
| Sunnyside | $1,841 | -15% |
| Surrency | $2,004 | -8% |
| Suwanee | $2,545 | 17% |
| Swainsboro | $2,101 | -3% |
| Sycamore | $2,034 | -7% |
| Sylvania | $2,238 | 3% |
| Sylvester | $2,012 | -8% |
| Talahi Island | $2,204 | 1% |
| Talbotton | $2,260 | 4% |
| Talking Rock | $2,088 | -4% |
| Tallapoosa | $2,196 | 1% |
| Tallulah Falls | $2,114 | -3% |
| Talmo | $2,250 | 3% |
| Tarrytown | $2,112 | -3% |
| Tate | $2,237 | 3% |
| Taylorsville | $2,302 | 6% |
| Temple | $2,371 | 9% |
| Tennga | $2,005 | -8% |
| Tennille | $2,055 | -6% |
| The Rock | $2,184 | 0% |
| Thomaston | $2,168 | 0% |
| Thomasville | $1,892 | -13% |
| Thomson | $1,961 | -10% |
| Thunderbolt | $2,438 | 12% |
| Tifton | $1,906 | -12% |
| Tiger | $1,972 | -9% |
| Tignall | $1,991 | -9% |
| Toccoa | $1,957 | -10% |
| Toccoa Falls | $2,111 | -3% |
| Toomsboro | $2,082 | -4% |
| Townsend | $1,919 | -12% |
| Trenton | $1,995 | -8% |
| Trion | $2,040 | -6% |
| Tucker | $2,744 | 26% |
| Tunnel Hill | $1,959 | -10% |
| Turin | $2,281 | 5% |
| Turnerville | $2,111 | -3% |
| Twin City | $2,098 | -4% |
| Ty Ty | $1,960 | -10% |
| Tybee Island | $2,154 | -1% |
| Tyrone | $2,318 | 6% |
| Unadilla | $2,115 | -3% |
| Union City | $3,204 | 47% |
| Union Point | $2,056 | -6% |
| Unionville | $1,898 | -13% |
| Upatoi | $2,213 | 2% |
| Uvalda | $2,102 | -3% |
| Valdosta | $1,733 | -20% |
| Varnell | $2,035 | -7% |
| Vidalia | $2,123 | -2% |
| Vienna | $2,113 | -3% |
| Villa Rica | $2,422 | 11% |
| Vinings | $2,491 | 14% |
| Waco | $2,232 | 3% |
| Wadley | $2,080 | -4% |
| Waleska | $2,232 | 3% |
| Walnut Grove | $2,676 | 23% |
| Walthourville | $2,054 | -6% |
| Waresboro | $1,977 | -9% |
| Warm Springs | $2,123 | -2% |
| Warner Robins | $2,164 | -1% |
| Warrenton | $2,027 | -7% |
| Warthen | $2,074 | -5% |
| Warwick | $2,115 | -3% |
| Washington | $2,007 | -8% |
| Watkinsville | $2,078 | -5% |
| Waverly | $1,849 | -15% |
| Waverly Hall | $2,218 | 2% |
| Waycross | $1,852 | -15% |
| Waynesboro | $2,115 | -3% |
| Waynesville | $1,943 | -11% |
| Webster County | $2,126 | -2% |
| West Green | $1,977 | -9% |
| West Point | $2,188 | 1% |
| Weston | $2,054 | -6% |
| Whigham | $1,905 | -12% |
| White | $2,275 | 5% |
| White Oak | $1,868 | -14% |
| White Plains | $2,113 | -3% |
| Whitemarsh Island | $2,205 | 1% |
| Whitesburg | $2,413 | 11% |
| Wildwood | $1,960 | -10% |
| Wiley | $2,112 | -3% |
| Willacoochee | $1,908 | -12% |
| Williamson | $2,223 | 2% |
| Wilmington Island | $2,193 | 1% |
| Winder | $2,431 | 12% |
| Winston | $2,557 | 17% |
| Winterville | $2,118 | -3% |
| Woodbine | $1,802 | -17% |
| Woodbury | $2,151 | -1% |
| Woodland | $2,234 | 3% |
| Woodstock | $2,349 | 8% |
| Wray | $1,892 | -13% |
| Wrens | $1,992 | -8% |
| Wrightsville | $2,115 | -3% |
| Yatesville | $2,231 | 3% |
| Young Harris | $1,971 | -9% |
| Zebulon | $2,215 | 2% |
Georgia car insurance laws
Insurance companies report new policies and cancellations to the Department of Revenue. The department’s automated system sends you a letter if it detects a lapse in your insurance coverage. If this happens to you, you have to get your insurance documents in order to avoid a penalty.
The penalty for driving without insurance in Georgia includes a fine and a possible suspension of your vehicle’s registration.
Minimum coverage for car insurance in Georgia
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000
Collision and comp are not required by law. However, if you need a car loan, your lender will make you get both to protect its financial interest in your car. Leasing companies also usually make you get collision and comp.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
—
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
—
*USAA is only available to current and former members of the military and their families.