According to Bankrate’s 2021 study of quoted annual premiums, the average cost of full coverage car insurance in Georgia is $1,982 per year. There are many options for car insurance if you’re one of the more than 7.2 million Georgia drivers. Georgia car insurance is determined by a variety of factors including your credit score, age, gender, marital status, and zip code. Auto insurance rates can vary from one company to the next, so it is worth getting quotes from multiple companies. It might be possible to save money or find the right fit for you.
Bankrate’s editorial team for insurance has reviewed all major Georgia insurance companies to find the best. These companies may be worth looking at if you are searching for car insurance in Georgia.
Georgia’s best car insurance companies
Cost is only one factor that you should consider when shopping for car insurance. J.D. The company’s average customer satisfaction is shown by the Power score. We also considered AM Best financial stability scores, as well as each company’s coverage options, discounts and availability.
Based on our research, these companies offer the best car insurance in Georgia:
Auto-Owners
You may not be as familiar as some of our other list carriers with Auto-Owners because it is not a nationwide insurer. This regional carrier offers coverage in Georgia, so you might want to get a quote. The company has the second lowest premium on our list. Auto-Owners has a low premium for Georgia drivers. However, they offer a wide range of discounts that could help you to get a lower premium. There are ways to save money: pay in full, on time, get paperless statements, have safety features installed on your car, and get a quote before you expire on your current policy.
Geico
Geico offers Georgians competitive premiums. Geico offers auto insurance as well as renters insurance, homeowners insurance business insurance, pet insurance and other options. AM Best also gives Geico an A++ rating for financial strength.
Although Geico’s average full coverage premium is already lower than Georgia’s average, the company is known for offering a multitude of discounts. Being a federal employee or a military member, you can save money on certain safety features for your car.
State Farm
State Farm offers the cheapest rates of all the providers on our list, and the customer service and policy offerings are highly rated. With the mobile app, its customers can do everything from file a claim to request roadside assistance. State Farm offers several discounts that may help you save even more on your auto insurance. Savings may be possible by not having an accident, driving safely, purchasing multiple State Farm products, and installing safety features in your vehicle.
Allstate
Allstate is a well-known brand in insurance and offers Georgia drivers affordable auto insurance. There are many digital tools that make it easy such as a mobile application and a company website. Allstate offers discounts that can help lower your rates. You can get discounts for new cars, safe drivers, and smart students. Allstate offers insurance through a network that includes local agents. This may appeal to you if you prefer to deal with a real agent for your insurance needs.
Georgia’s average car insurance costs
Car insurance in Georgia is relatively expensive, with average full coverage premiums that are over $300 more than the average annual cost of car insurance in the country. While the national average cost of full coverage car insurance is $1,674 per year, Georgia residents pay $1,982 per year for the same coverage. The minimum coverage in Georgia is $756 per year, while the average cost for Americans is $565.
Georgia’s minimum state insurance requirements
Georgia, as with most other states, requires you to have minimum car insurance in order to legally drive. The minimum required levels are:
- $25,000 per person for bodily injury
- $50k bodily injury per accident
- $25,000 for property damage
Purchasing the minimum coverage required for your state will often mean that you pay less for auto insurance. You may not have enough coverage to cover the cost of an at-fault collision. You will be responsible for any injuries or damages beyond your coverage limits. Insurance professionals recommend that you buy higher liability limits if possible.
Also, minimum coverage doesn’t provide coverage for damage to your vehicle. Full coverage is required to protect your vehicle. This includes collision and comprehensive. Your lender may require that you have full coverage if you have a loan or lease on your vehicle.
How to get the best car coverage
The best and cheapest auto insurance in Georgia will not be the same for everyone. You can customize your car insurance to suit you. These tips may help you find the best Georgia car insurance.
- Assess your needsMany factors influence the price of auto insurance.Individual factorsInformation about the driver, including their age, gender and driving record. You can get quotes from several insurance companies to help you compare policies and determine which policy offers the best value.
- Take into account state factorsGeorgia drivers must have liability insurance. This covers property damage and injury to others in the event of a car accident. To be able to drive legally, you must have at least the minimum state coverage. Georgia is also susceptible totornadoesYou might want to add comprehensive coverage to protect your vehicle against weather damage.
Georgia offers car insurance discounts
Although Georgia’s auto insurance prices are higher than the national average, there are ways you could lower your premium to benefit from the cheapest car insurance in Georgia. Many companies offer discounts to help customers save money. These discounts are common in Georgia:
- Safety features Discount:You may be eligible for a discount on car insurance if you have certain safety features installed in your car such as anti-lock brakes, side curtain airbags or forward collision warning.
- Full payment discount:Many companies offer policy discounts if you can pay your premium in full and not in monthly or quarterly installments.
- Multi-policy Discount:You may be eligible for a discount if your property is insuring with the same company that your auto insurance. This discount is usually available for both policies.
- Good student discount:You may be eligible to receive a discount for having a teen driver as part of your policy. This is possible if your teen is full-time student who maintains good grades. These qualifications can vary from company to company, but they are generally a B-letter-grade average or 3.0 GPA.
You can often save money on your auto insurance by taking advantage of discounts. You can save money by researching discounts online and speaking with a representative of your company to learn more.
Questions frequently asked
What is Georgia’s cheapest auto insurance?
Because each person is unique, the cheapest auto insurance you can get will vary. You may be able to lower your premium by getting quotes from multiple companies and taking advantage discount offers.
What happens if I cause an accident in Georgia that results in greater damages than my coverage?
The rest would fall on your shoulders. Insurance agents will recommend you buy higher limits of liability, if possible. While state minimum coverage may be less expensive, you might end up with large out-of-pocket costs if an accident occurs. You might get quotes from several different levels of liability to help you decide the right level for your budget and risk tolerance.
What happens if I don’t have insurance in Georgia?
Because Georgia requires that all drivers carry at least the state minimum limits of auto insurance coverage, driving without insurance is illegal. You could face jail time if you are caught driving without insurance. You may face stiffer penalties if you are found responsible for an accident and will be required to pay the costs of any damages.
