Cheap Auto Insurance in Georgia for 2024 (Big Savings With These 10 Providers!)
Geico, State Farm, and Travelers are the top providers of cheap auto insurance in Georgia, with rates starting at $24/month. When comparing rates, evaluate the level of coverage, possible discounts, and each company's claim-handling record. Read on to learn more and compare rates from the best insurance companies.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Sep 11, 2024
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Min. Coverage in Georgia
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Min. Coverage in Georgia
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1,731 reviewsThe top providers of cheap auto insurance in Georgia are Geico, State Farm, and Travelers, with rates at $24 monthly. These companies are known for their competitive pricing, making them popular choices for drivers seeking budget-friendly coverage in the state.
Check out our guide to learn how rates are calculated and how to compare auto insurance quotes for affordable policies.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $24 | A++ | Cheap Rates | Geico |
 | #2 | $43 | B | Customer Service | State Farm |
 | #3 | $44 | A++ | Bundling Policies | Travelers |
 | #4 | $46 | A+ | Qualifying Coverage | Progressive |
 | #5 | $50 | NR | Safe Drivers | Root |
 | #6 | $55 | A+ | Dividend Payments | Amica |
 | #7 | $60 | A | Roadside Assistance | AAA |
 | #8 | $61 | A+ | Widespread Availability | Nationwide |
 | #9 | $66 | A+ | Drivewise Programs | Allstate |
 | #10 | $70 | A+ | Foreign Diplomats | Dairyland |
Before finalizing your decision on cheap auto insurance in Georgia, simply enter your ZIP code into our comparison tool above to explore the best auto insurance rates in the state.
- Geico, State Farm, and Travelers offer rates starting as low as $24/month
- Age, location, and credit history significantly influence insurance costs in Georgia
- Georgia has specific rules on liability insurance and insurance fraud
#1 – Geico: Top Overall Pick
Pros
- Affordable Rates: Geico offers the lowest rates in Georgia starting at just $24/month, making it the top choice for budget-conscious drivers seeking cheap auto insurance in Georgia. Discover more through our Geico auto insurance review.
- Comprehensive Coverage Options: They provide a wide range of coverage types, including liability, collision, and comprehensive, which are essential for a well-rounded policy in Georgia.
- Generous Discounts: Geico offers multiple discounts, such as those for safe driving, military personnel, and multi-vehicle policies, making it easier to obtain affordable coverage.
Cons
- Limited Local Agents: Geico primarily operates online, which can limit personal interaction and support from local agents, potentially impacting the quality of customer service for cheap auto insurance in Georgia.
- Mixed Customer Service: Some customers report dissatisfaction with Geico’s claim handling and overall customer service experience, which can be a concern when dealing with affordable coverage options.
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#2 – State Farm: Best for Customer Service
Pros
- Excellent Customer Service: State Farm is renowned for its top-notch customer service, providing personalized assistance through a vast network of local agents, which is a significant benefit for those seeking reliable cheap auto insurance in Georgia.
- Good Financial Rating: Although it has a B rating from A.M. Best, State Farm’s long-standing reputation and large network offers peace of mind and stability, as mentioned in our State Farm insurance review.
- Strong Local Presence: With a large number of agents across Georgia, State Farm ensures accessible and personalized service for its clients, enhancing the experience for those seeking affordable insurance.
Cons
- Higher Premiums: State Farm’s average monthly rates of $43 are higher compared to some competitors, which might not be ideal for all seeking cheap auto insurance in Georgia.
- Mixed Claims Experience: Some policyholders have reported slower or less satisfactory claims processing times, which could impact the overall value of their cheap auto insurance.
#3 – Travelers: Best for Bundling Policies
Pros
- Bundling Discounts: Travelers offers attractive discounts for bundling multiple policies, which can lead to substantial savings and make it easier to find cheap auto insurance in Georgia.
- Flexible Coverage Options: They offer a variety of coverage options and add-ons, allowing customization to meet individual needs and secure affordable coverage in Georgia.
- Innovative Features: Travelers provide unique features like accident forgiveness and new car replacements, enhancing the value of their cheap auto insurance policies. Gain further insight with our article entitled “Travelers Insurance Review.”
Cons
- Average Customer Service: Travelers have received mixed reviews regarding customer service, with some customers experiencing average support which can be a drawback for those seeking reliable cheap auto insurance.
- Complex Policy Options: The broad range of options can be overwhelming, making it challenging to choose the best coverage for some, potentially complicating the process of finding cheap auto insurance.
#4 – Progressive: Best for Qualifying Coverage
Pros
- Competitive Rates: Progressive is known for its competitive rates, starting at $46/month, which are beneficial for those seeking cheap auto insurance in Georgia.
- Customizable Coverage: They offer extensive customization options, allowing drivers to tailor their policies to fit specific needs and find affordable insurance solutions.
- Snapshot Program: Progressive’s Snapshot program provides discounts based on safe driving behavior tracked via a mobile app, making it easier to reduce costs on cheap auto insurance.
Cons
- Higher Rates for Certain Drivers: Drivers with less-than-perfect records may face higher rates compared to those offered by some competitors, impacting affordability for those seeking cheap auto insurance. Explore more about this in our page, “Progressive Insurance Review.”
- Online Interface Issues: Some users have reported difficulties with Progressive’s online interface and claims processing, which can be a drawback when seeking cost-effective coverage.
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#5 – Root: Best for Safe Drivers
Pros
- Rewards Safe Driving: Root’s insurance rates are heavily influenced by safe driving habits tracked through their app, offering discounts for good drivers and making it easier to obtain cheap auto insurance in Georgia.
- Transparent Pricing Model: The pricing is straightforward, with no hidden fees, which helps in understanding exactly what you’re paying for in cheap auto insurance.
- User-Friendly App: The app is highly rated for its ease of use, making it simple to manage your policy and track driving behavior, which is beneficial for those looking for affordable coverage.
Cons
- Limited Availability: Root’s insurance is not available in all states, which may restrict options for some potential customers looking for cheap auto insurance in Georgia.
- Higher Rates for Non-Safe Drivers: Rates can be considerably higher for drivers with poor driving records, impacting affordability for those who do not qualify for their safe-driving discounts. Learn more about this in our Root auto insurance review.
#6 – Amica: Best for Dividend Payment
Pros
- Dividend Payments: Amica offers dividend payments to policyholders based on the company’s performance, potentially providing additional savings on cheap auto insurance in Georgia, as stated in our Amica insurance review.
- Excellent Customer Service: Amica is known for high levels of customer satisfaction and supportive service, enhancing the overall experience of finding affordable insurance.
- Strong Financial Stability: With an A+ rating from A.M. Best, Amica demonstrates reliable financial health and stability, ensuring dependable coverage for cheap auto insurance.
Cons
- Higher Premiums: Amica’s average monthly rate of $55 might be higher compared to other insurers, potentially affecting the affordability of cheap auto insurance.
- Limited Discounts: Compared to some competitors, Amica offers fewer discount opportunities, which may affect overall savings on cheap auto insurance in Georgia.
#7 – AAA: Best for Roadside Assistance
Pros
- Robust Roadside Assistance: AAA provides extensive roadside assistance services, which can be invaluable in emergencies, adding value to cheap auto insurance in Georgia.
- Member Benefits: AAA members receive additional perks such as travel discounts and various other services, enhancing the overall value of their insurance coverage. Uncover more by reviewing this AAA auto insurance review.
- Comprehensive Coverage: Offers a broad range of coverage options to fit various needs and preferences, ensuring affordable and adequate protection.
Cons
- Membership Fees: AAA’s membership fees can add to the overall cost of insurance, which may impact the affordability of cheap auto insurance in Georgia.
- Higher Rates for Some Drivers: Drivers with poor credit or driving records might face higher rates compared to other insurers, affecting the overall cost of insurance.
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#8 – Nationwide: Best for Widespread Availability
Pros
- Widespread Availability: Nationwide operates in all states, providing consistent service and coverage options across the country, making it accessible for those seeking cheap auto insurance in Georgia.
- Variety of Discounts: Offers multiple discounts, including those for bundling and safe driving, which can help reduce premiums for cheap auto insurance.
- Customizable Policies: Provides flexible policy options and coverage levels to meet diverse insurance needs, making it easier to find affordable coverage. Delve deeper with our Nationwide insurance review.
Cons
- Mixed Customer Service Reviews: Customer service experiences with Nationwide can vary, with some reporting less satisfactory support, which may be a concern for those seeking reliable cheap auto insurance.
- Higher Rates for Younger Drivers: Rates may be higher for younger or less experienced drivers, impacting affordability for this demographic.
#9 – Allstate: Best for Drivewise Programs
Pros
- Drivewise Program: Allstate’s Drivewise program offers discounts based on driving behavior, rewarding safe drivers with lower rates and helping them secure cheap auto insurance in Georgia.
- Comprehensive Coverage Options: Provides a wide range of coverage types and add-ons to suit various needs and preferences, enhancing the value of cheap auto insurance.
- Local Agent Network: An extensive network of local agents ensures personalized service and support, beneficial for managing cheap auto insurance policies.
Cons
- Higher Premiums: Allstate’s average rate of $66/month can be higher compared to some competitors, which might affect the affordability of cheap auto insurance in Georgia. Check out our article, “Allstate Insurance Review,” to gain further knowledge.
- Inconsistent Claim Handling: Some customers report inconsistent experiences with Allstate’s claims processing, which could impact the overall value of their cheap auto insurance.
#10 – Dairyland: Best for Foreign Diplomats
Pros
- Flexible Payment Plans: Dairyland offers a variety of payment plans, allowing customers to choose an option that fits their budget, which is beneficial for those seeking cheap auto insurance in Georgia.
- Strong Financial Stability: With an A+ rating from A.M. Best, Dairyland demonstrates reliable financial health, providing confidence in its ability to handle claims and offer consistent coverage.
- Good for Specialized Coverage: Ideal for individuals with specific needs, such as foreign diplomats, Dairyland offers specialized coverage that may not be available from other providers.
Cons
- Higher Average Rates: With an average monthly rate of $70, Dairyland may be more expensive compared to other providers, which can impact the affordability of cheap auto insurance in Georgia.
- Limited Discounts: Dairyland may offer fewer discounts compared to competitors, potentially affecting overall savings for those seeking the most affordable options. For details on available discounts, check out our article titled “Car Insurance Discounts.”
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Key Factors Affecting Car Insurance Costs in Georgia
Navigating Georgia’s car insurance landscape involves understanding both the cost of coverage and how rates vary based on several factors.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $60 | $180 |
| $66 | $165 |
| $55 | $160 |
| $70 | $200 |
| $24 | $61 |
| $61 | $152 |
| $46 | $115 |
| $50 | $150 |
| $43 | $107 |
| $44 | $110 |
In Georgia, car insurance costs are moderate, with the state ranking 16th for average premiums. This suggests that rates are expected to stay fairly stable over time.
Although Georgia’s minimum liability coverage is adequate, adding uninsured/underinsured motorist (UUM) coverage is wise, given that 11.7% of drivers are uninsured or underinsured. This coverage can help cover expenses beyond basic policy limits.
The loss ratio, which measures how much premiums are paid out in claims, indicates insurer reliability.
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In Georgia, age affects insurance rates more than gender, with younger males typically paying more than females. Rates also vary significantly by location; cities like Atlanta have higher premiums, while areas like Moody Air Force Base have lower rates. Rates can differ even within cities based on zip codes.
Now that you have a general understanding of rates and demographics, let’s take a look at your car insurance options in the great state of Georgia.
Read More: Auto Insurance Guide
Georgia Car Insurance: Financial Stability, Customer Service, and Rates
To help you make an informed choice, we offer an unbiased, comprehensive review of Georgia’s auto insurance options, focusing on key factors such as financial stability, customer service, and pricing.
Financial ratings are essential for assessing an insurer’s stability, with grades ranging from A++ to B+ indicating varying levels of financial strength. Additionally, customer service ratings are crucial, with Farm Bureau Insurance leading the Southeast in satisfaction.
However, a high number of complaints, such as those against State Farm Group and Liberty Mutual, can be a red flag. Rates are influenced by several factors including commute times, coverage levels, credit history, and driving records. Georgia’s average credit score is relatively low, impacting insurance rates.
Comparing the top insurers and understanding these factors can help you find cheap car insurance in Georgia for your needs and budget. Enter your ZIP code now to begin.
Georgia’s Car Culture and Insurance Basics
When it comes to car insurance, the options can feel endless. Luckily, you don’t have to go it alone. Join us as we dive into the types of insurance coverage, rates, and add-ons available in the great state of Georgia.
Our comprehensive guide will break everything down into easy-to-understand sections, helping you find coverage that fits your car, lifestyle, and budget. Ready to explore? Let’s dig in.
- Georgia’s Car Culture: Georgia, the largest state east of the Mississippi, offers diverse roads and plenty of opportunities for road trips. Warm winters make it a haven for classic car enthusiasts.
- Georgia’s Minimum Coverage: The state requires liability insurance: $25,000 for injury or death of one person, $50,000 for total injuries or death of two or more people, and $25,000 for property damage. Higher coverage limits can provide additional protection.
- Forms of Financial Responsibility: Proof of liability insurance is needed for car registration and during traffic stops. An electronic insurance card is acceptable.
- Georgia’s Premiums as a Percentage of Income: The average monthly premium for full coverage is about $82, which is roughly 2.87% of disposable income, aligning with national averages.
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Best Georgia Car Insurance Companies
Choosing a car insurance provider can be overwhelming due to the many options and competing claims. With enticing ads from both local and national insurers, it’s crucial to weigh the benefits and drawbacks of each to make an informed decision.
One of the most crucial factors to consider is the cost of coverage. Finding a provider that offers competitive rates for cheap car insurance in Georgia without compromising on financial stability and customer service is key. The table below highlights car insurance companies in Georgia and their average rates:
| Insurance Company | Monthly Rates |
|---|---|
 | $351 |
 | $248 |
 | $838 |
 | $540 |
| $375 |
 | $282 |
 | $263 |
Moreover, different coverage levels affect costs—higher coverage usually means higher premiums, while lower coverage results in lower rates. Knowing how coverage affects your insurance rate helps you balance protection and affordability.
By comparing rates and coverage options, you can confidently select a car insurance provider in Georgia that meets your needs and fits your budget.
Understanding Cheap Auto Insurance in Georgia: State Laws and Regulations
Understanding and complying with state-specific automotive laws is crucial for finding cheap auto insurance in Georgia. Each state, including Georgia, has its own set of regulations governing car insurance, driving practices, and vehicle licensing.
Georgia mandates liability insurance with minimum auto insurance requirements and has specific rules for windshield repairs, high-risk insurance, and low-cost insurance options. While the state does not offer subsidized insurance for low-income families, discounts and comparison shopping can help reduce costs.
Georgia enforces strict laws on insurance fraud, requiring honesty in claims and applications, with severe penalties for violations. Vehicle licensing rules are straightforward, and new residents must transfer their out-of-state licenses within 30 days.
Moreover, teen and older drivers have specific requirements, and driving without insurance incurs significant penalties. The state also addresses distracted driving, impaired driving, and seatbelt laws, aiming to enhance road safety.
With evolving regulations on ridesharing and autonomous vehicles, staying informed about these laws ensures compliance and helps you secure cheap auto insurance in Georgia. Enter your ZIP code below and begin comparing rates.
Frequently Asked Questions
Which companies are highlighted as top providers for cheap auto insurance in Georgia?
The top providers for cheap auto insurance in Georgia are Geico, State Farm, and Travelers. They offer competitive rates starting at $24 per month.
What is the starting rate for auto insurance mentioned in the article?
The starting rate for auto insurance mentioned in the article is $24 per month, which is considered quite competitive in the industry. This rate is available from leading providers such as Geico, State Farm, and Travelers, known for their affordability.
These companies offer this low rate by leveraging their extensive market presence and efficient claim-processing systems, making them popular choices for budget-conscious drivers in Georgia. To see if you qualify for this rate and to compare other options, enter your ZIP code into the comparison tool.
What should you compare when evaluating auto insurance rates?
When evaluating auto insurance rates, the article suggests comparing the level of coverage options, possible discounts, and each company’s claim-handling record. These factors help in choosing the best policy for your needs.
Which provider is noted for its excellent customer service?
State Farm is highly praised for its exceptional customer service, standing out among top auto insurance providers. Known for its responsive support team and efficient claims handling, State Farm consistently receives high satisfaction ratings, making it a top choice for those valuing excellent service.
What type of coverage is recommended beyond the minimum liability insurance in Georgia?
The article recommends adding uninsured/underinsured motorist (UUM) coverage beyond the minimum liability insurance. This additional coverage is crucial as it helps protect you against drivers who are uninsured or underinsured, covering expenses that exceed basic policy limits.
To find the best options and rates for this coverage, enter your ZIP code and compare available policies from different providers.
What does the article suggest about comparing financial stability and customer service?
The article suggests that comparing financial stability and customer service is crucial when selecting an auto insurance provider. Financial ratings indicate insurer reliability, while customer service ratings reflect the quality of service.
How does age affect auto insurance rates in Georgia?
In Georgia, age affects auto insurance rates significantly, with younger drivers typically paying more than older drivers. This is due to the higher risk associated with younger drivers, who are statistically more likely to be involved in accidents. As a result, insurance premiums for these higher risk drivers are generally higher.
What is the role of ZIP code entry in comparing auto insurance rates?
Entering your ZIP code is crucial for comparing auto insurance rates as it helps tailor the quotes based on your specific location. Rates can vary significantly by ZIP code due to regional differences in insurance costs.
What kind of laws does Georgia enforce related to auto insurance?
Georgia enforces laws that include minimum liability insurance requirements, regulations against insurance fraud, and penalties for driving without insurance. The state also has specific rules for windshield repairs and high-risk insurance.
Read more: Minimum Car Insurance Requirements
What factors are suggested to consider when selecting a car insurance provider in Georgia?
When selecting a car insurance provider in Georgia, consider factors such as the cost of coverage, financial stability, customer service, and available discounts. These factors help ensure you choose a provider that meets your needs and budget.
