Affordable car insurance in Georgia

Instantly compare top car insurance providers in Georgia – without spam

"*" indicates required fields

Average rates at the top car insurance companies in Georgia

	Company	Average Annual Premium
	Progressive	1,506
	Auto-Owners Insurance	1,520
	Allstate	1,583
	Country Financial	1,586
	Central Insurance	1,656
	Mercury Insurance	1,863
	State Farm	1,876
	Farmers	2,173
	Geico	2,463
	Safeway Insurance	2,616
	Donegal Insurance Group	2,870

Based on a premium coverage policy for a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

Georgia auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the coverage you need at a price you can afford.

Read our spam-free promise

Quick

Start comparing after only 5 questions

Spam-free

We don’t require your phone number or email to see your results

Reliable

Personalized rate estimates calculated using the insurance company’s rating plan (plus any applicable discounts)

Average annual cost of car insurance in Georgia

How much does car insurance cost in Georgia? These are the average prices a 35-year-old male driving a 2022 RAV4 would pay annually for state minimum coverage, standard coverage, and premium coverage in Georgia. Your rates will vary based on your unique driver profile.

Coverage Type	Minimum	Standard	Premium
Average Annual Cost	615	1,593	1,675

Carrier	Minimum	Standard	Premium
Allstate	600	1,590	1,583
Allstate P&C	790
Auto-Owners Insurance	455	1,493	1,520
Central Insurance	545	1,486	1,656
Central Mutual	680
Country Financial	415	1,483	1,586
Country Preferred Prf	550
Donegal Insurance Group	2,325	3,663	2,870
Farmers	1,030	2,213	2,173
Farmers Casualty Ins Co	1,670
Geico	966	2,600	2,463
Mercury Indemnity	820
Mercury Insurance	525	1,696	1,863
Owners Ins	610
Progressive	640	1,466	1,506
Progressive Premier	980
Safeway Ins Co of GA	1,570
Safeway Insurance	1,295	2,616	2,616
Southern Ins Co of VA	3,750
State Farm	696	1,710	1,876

Annual rates based on a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

Helping Georgians find affordable insurance

You’re one-of-a-kind. Your insurance should be too. Our quiz is designed to help you find insurance that meets your unique needs at a price you can afford.

Why you can trust Rate Retriever

Everything we do, we do with your best experience in mind. This means delivering the information you want and need to make confident insurance decisions. While we may partner with some of the carriers you see on our site, we maintain editorial independence and commit to a rigorous editorial policy.

Georgia car insurance requirements

Georgia requires two types of car insurance coverage: bodily injury liability and property damage liability. However, many drivers choose to purchase additional coverage types, such as comprehensive and collision policies, to help cover certain costs associated with different types of accidents.

Additionally, if you’re one of the many drivers who lease or finance their vehicle, check with your lender about any additional insurance they may require. Although not mandated by the state, some lenders may require full coverage auto insurance in Georgia.

It’s important for residents to know car insurance requirements in Georgia. The following are the coverage types and limit amounts Georgia requires; however, these minimums are just a starting point. You may want to consider increasing your coverage limits or purchasing additional coverage for further protection.

Minimum car insurance requirements – Georgia

Bodily Injury Liability

To cover injury or death related expenses in an accident when you’re at fault – $25,000 limit per person/$50,000 limit per accident

Property Damage Liability

To cover property damage expenses in an accident when you’re at fault – $25,000 limit

The top insurers in Georgia

How to get cheap Georgia car insurance

Georgia boasts big cities, historic sites, and beautiful natural scenery, including coastal beaches and lush forests. There are countless reasons over 10 million people choose to live in the state.

Whether you’re thinking about moving to Georgia or have called it home for a long time, you need car insurance. All drivers are required to carry certain types of auto insurance in Georgia.

A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Georgia. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

Why is Georgia auto insurance important?

First, Georgia car insurance is required by the state and driving without it can result in hefty fines, car registration suspension, and reinstatement fees. It is important to have the minimum required auto insurance in Georgia and keep it up to date without a lapse in coverage.

Another vital reason to have car insurance in Georgia is that, depending on your policy and coverage limits, your insurance helps cover certain costs should you get into a car accident. This can reduce the burden of paying for accident-related costs out of pocket, and it can help you have peace of mind while on the road.

Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in Georgia.

Start saving in 3 simple steps

Quick start

Answer 5 questions. No phone number or email required

Retrieve your rates

We estimate how much you’ll pay at each top provider in your state

Compare and save

Compare apples to apples pricing to find your next provider

What other factors impact your auto insurance rate?

The state you live in is only one of the factors that may impact your car insurance rate. Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.

Factors that can impact your quoted rates include:

Your demographics including your age, home ownership, marriage status, and more
Your driving history including how long you’ve been driving, traffic violations, and more
Your car including make, model, and year
Your zip code, or where you live within your state
How much coverage you want

The best insurance rates in Georgia

"*" indicates required fields

Sources

State of Georgia

Methodology

The rates on this page are estimated based on the rating plans insurance carriers have submitted to each state’s department of insurance. An insurance carrier’s rating plan details how the company uses certain characteristics to assign different rates to different people. We use the same data sources to power our comparison tools.

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2022 RAV4.

These rates should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results.

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you.

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.