In a state such as Georgia, where rates can be high, finding cheap coverage can make all the difference. According to Bankrate’s 2021 study on annual quoted premiums, State Farm is the lowest-priced minimum coverage policy for state drivers at $486 per year. Nationwide offers full coverage with a premium that is nearly $800 lower than Georgia’s.
Peach State drivers spend a substantial portion of their annual income on premiums, which average at 3.5%. The average car insurance rate is $1,982 for full coverage and $756 per year for minimum coverage. Our insurance editorial team compared rates from various Georgia insurers to help drivers remain properly insured and not strain their budget. These companies offer some of the most affordable auto insurance in Georgia. They are often trusted in the market, and provide high-quality coverage options.
Georgia’s cheapest car insurance
By partnering with Quadrant Information Services, we gathered up-to-date quoted premiums from multiple carriers in our assessment of cheap coverage in Georgia. Five national insurance companies were voted the best for car insurance in Georgia. It may surprise you to learn that big names such as State Farm are not required to sacrifice trust in order to get cheap coverage.
Because each state has its own average premiums and car insurance requirements, even the nation’s largest providers can offer lower-than-average rates, including in Georgia. These companies may be the best place to begin your search for affordable coverage.
State Farm
State Farm is the most popular insurance company in America. It has a large network of agents throughout the country and has made a name for themselves as the nation’s largest. You can find and speak with an agent about a State Farm policy in more than 200 towns and cities in Georgia. Drive Safe and Save is one of the most popular savings programs. It allows you to save significant amounts on your premiums if you practice safe driving habits like slow braking and adhering to the speed limit. State Farm offers additional insurance options beyond standard coverage. You can also add rental car insurance or rideshare insurance to your policy and get emergency road service.
Geico
Consistently one of the cheapest car insurance providers across several states, Geico offers an average rate for full coverage policies at $271 less than the average cost of coverage in Georgia. Although its policies are simple, there are very few add-ons such as rental reimbursement. However, Geico offers a wide range of discounts. You can save money for almost every type of driver, from federal employees to students to seniors. You can also use the highly-rated mobile app to manage your policy and save money. This makes digital policy management as easy as traditional methods.
Auto-Owners
Auto-Owners, unlike State Farm and Geico, is a regional insurer that services only 26 states through local agents. Even though there is limited availability in Georgia, policies can still be tailored to provide comprehensive coverage. The Personal Automobile Plus Package, for example, makes it easy to choose a solid policy with more than 10 additional coverages like lock rekeying.
USAA
USAA Insurance remains the top-rated provider for military personnel, veterans, and their immediate families who are looking for cheap car insurance. It consistently receives high customer satisfaction scores in the annual J.D. surveys from its members. It is not officially ranked because of its eligibility restrictions. You can save up to 60% on premiums for parking a vehicle at base. However, policyholders who are looking for standard discounts also have options. Young adults can save money by purchasing their own policy after they have left the parent’s. USAA’s Claims Center shines as well. It provides easy access to file and receive help for many types of claims.
All over the country
For drivers who are looking for a variety of perks and add-ons, Nationwide could be a good option. There are many options, including accident forgiveness, gap insurance, and Smart Miles, which is a very affordable pay-per mile program. Nationwide’s average policy rate is nearly $800 lower than Georgia’s. It also offers a variety of discounts, just like other major insurance providers. One less common perk is the option to have your premium reconsidered due to an extraordinary life circumstance. It allows you to reduce your premium if you can provide evidence that your income has been negatively affected by events such as death, illness, or job loss.
Minimum coverage for Georgia drivers
Car insurance rates vary significantly based on state and ZIP code, meaning finding the best car insurance in Georgia depends heavily on where you live. The state of Georgia requires drivers to maintain minimum liability insurance coverage in order to legally operate a vehicle:
- $25,000 bodily injury liability per individual
- $50k bodily injury liability per accident
- $25,000 per accident property damage liability
You also have the option of rejecting the state-recommended uninsured/underinsured motorist coverage (UIM) up to the same amounts of the state-required liability coverage.
It may be worth purchasing more liability insurance than the minimum required. You could be responsible for all expenses that are not covered by your insurance if you are involved in an accident. Without collision or comprehensive coverages, your vehicle would not be covered financially for any damages. For this reason, lenders typically require full coverage for financed or leased vehicles.
How to Get Georgia Car Insurance at a Cheap Price
Although there are many auto insurance policies, not all of them will provide you with the best car insurance in Georgia. It doesn’t mean that you can’t get affordable car insurance. Whether you have a clean driving record or are a high-risk driver, there are additional ways to get adequate coverage within your budget.
- Compare rates: Because every insurance company has a different approach to setting premiums, it is important that you shop around and compare quotes from multiple providers. This will help ensure that you get the best rate possible for your coverage.
- Discounts: Many insurers offer discounts that can help you lower your premiums. Low mileage, claims-free history, and paperless billing are some of the most common discounts. You can also get loyalty discounts such as bundle policies and options to be a military member, teacher, or student.
- Improve your credit score. Insurance companies often use a credit score to determine how much they will charge for your premium. Your payment history is a measure of how risky you are. The higher your credit score, generally speaking, the more premiums you will pay. It takes time to improve your credit score. However, paying down your debts and making timely payments can help you make progress. Not all states allow credit to determine your insurance rates if you move.
- Increase your deductible: Another way to lower the cost of your monthly premium is to increase your car insurance deductible. You will have to pay more for a claim but it will reduce your premium. This option is worth considering. Choose a deductible that you can afford in the event of an accident. If you have full coverage insurance, you will need to pay a separate deductible for collision and comprehensive coverage.
Questions frequently asked
What is the best Georgia car insurance?
Georgia has many insurance companies, some of which are well-known and highly regarded for their services. Your criteria will be important when narrowing down the options. You can do this by comparing the reviews of current policyholders or checking the financial strength of an insurer. To get the best rates, it is a good idea for car insurance companies to offer you multiple quotes on the same type of coverage.
What is the average cost for car insurance in the United States?
The average cost of car insurance in the U.S. is $565 for minimum coverage and $1,674 for full coverage. Rates will vary depending upon the provider and many personal factors such as type of car and location.
Georgian car insurance is cheap
According to Bankrate’s 2021 study, Georgia is the 10th-most expensive state for car insuring. Full coverage policies cost $1,982 annually, which is several hundred dollars more than $1,674 per annum, the national average cost for full coverage auto insurance.
How can I get the best coverage for a reasonable price?
Car insurance is a vital financial tool. First, compare the coverages offered by various insurers. Next, compare the cost of the policies and look for discounts. It is a good idea, in general, to consult an insurance agent before you purchase a policy. This will ensure that you get the best value and provide the right coverage.
