Cheapest Car Insurance in Georgia for 2024

If you drive a car, buying auto insurance is the law. However, a good insurance policy is about more than that. It's also about protecting your assets and even your health. Car insurance can be expensive, so we've compiled this list of the cheapest policies available in Georgia, picked strictly based on policy prices.

• Cheapest overall: Country Preferred
• Cheapest with a clean driving record: Country Preferred
• Cheapest for teens: Country Preferred
• Cheapest for seniors: Progressive Mountain
• Cheapest for military members: Progressive Mountain
• Cheapest for minimum coverage: Progressive Mountain
• Cheapest with DUI: State Farm
• Cheapest with excellent credit: Auto-Owners
• Cheapest with poor credit: Country Preferred
• Cheapest for commuting: Country Preferred
• Cheapest with a prior accident: Country Preferred
• Cheapest with a speeding ticket: Geico

How we chose the cheapest car insurance in Georgia

The data found on this page is insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.

Cheapest car insurance in Georgia overall: Country Preferred

Most of us shop for the best car insurance policy we can find without putting the hurt on our bank accounts. These five car insurance companies offer the lowest overall rates in the state.

Check out our full list of best car insurance companies in Georgia.

Cheapest car insurance in Georgia with a clean driving record: Country Preferred

If you're a careful driver and have a clean driving record to show for it, insurance companies want to reward you. Insurers know that safe drivers don't tend to make many claims. If you're a safe driver in Georgia, you'll want to check out these five insurance companies.

Cheapest car insurance in Georgia for teens: Country Preferred

Anyone who's ever added a teen driver to their insurance policy knows how expensive it can be. If you have a teen driver, take advantage of all available discounts to keep the rate down. A good place to start would be with these five insurers.

Cheapest car insurance in Georgia for seniors: Progressive Mountain

One of the rewards of getting older is scoring cheaper car insurance than younger, less experienced drivers. Here are five insurance companies that appreciate your years on the road.

Cheapest car insurance in Georgia for military members: Progressive Mountain

Although USAA -- insurance created for members of the military -- is among the cheapest, it's not as cheap as two others. Here are the five companies offering the biggest price break to military members.

Cheapest car insurance in Georgia for minimum coverage: Progressive Mountain

You're legally covered if you have minimum coverage (sometimes called "liability insurance"). However, if you cause an accident, your policy may pay to repair the vehicle you hit, but it won't pay to make repairs to your car.

Cheapest car insurance in Georgia with a DUI: State Farm

Drunk driving will cost you more than potential jail time, a fine, and a revoked driver's license. It will also cause your auto insurance rates to jump. If you have a DUI, you'll want to begin with these five companies as you look for the lowest rates.

Cheapest car insurance in Georgia with excellent credit: Auto-Owners

Statistical analysis shows that drivers with high credit scores are less likely to make claims than drivers with low credit scores. For that reason, they pass the savings along to you.

Cheapest car insurance in Georgia with poor credit: Country Preferred

Paying for car insurance when your credit score is poor can be a kick in the pants. The good news is that these five insurers offer the lowest rates around as you work on boosting your score.

Cheapest car insurance in Georgia for commuting: Country Preferred

The more time you spend on the road, the more chances you have to be involved in a fender bender. For that reason, insurers charge commuters a slightly higher premium. Here are five companies that work to keep their commuter rates down.

Cheapest car insurance in Georgia with a prior accident: Country Preferred

If you have ever caused an accident, the event may still be on your driving record. And if it is, insurers will want to protect themselves by charging you a higher rate. These five companies won't hit you quite as hard with higher premiums.

Cheapest car insurance in Georgia with a speeding ticket: Geico

Insurers see speeding tickets as a sign that you're not a careful driver, and if you're not a careful driver, you're more likely to make a claim. They try to mitigate the risk through higher premiums.

Georgia costs versus the national average

The national average rate for car insurance is $3,017. In Georgia, it's just slightly lower at $3,009.

Car insurance discounts available in Georgia

Policy discounts are one of the easiest ways to pay less for coverage. However, each insurance company has its own set of car insurance discounts. Before purchasing a policy from any company, know which discounts are offered and take advantage of as many as possible. Although this list is not comprehensive, it will give you an idea of the types of common discounts.

• Loyalty discount
• Autopay discount
• Federal employee discount
• Organizational discount
• Paperless discount
• Claims-free discount
• Safe driver discount
• Multiple vehicle discount
• Driver training discount
• New car discount
• Bundling discount
• Paying in full discount

Minimum auto insurance requirements in Georgia

At the very least, you must have a policy providing minimum coverage in Georgia. Here is the minimum coverage amounts required by the state:

• Bodily injury liability of $25,000 per person and $50,000 per incident.
• Property damage liability of $25,000 per incident.

Our auto insurance methodology

Our insurance products are then rated on a scale of one to five stars, primarily focusing on:

Pricing

With so many options for insurance across the board these days, it's easiest, and quite effective, to first look at the bottom line. Do single out competitive prices across insurance categories it's important to focus on:

• Deductibles
• Terms
• Coverage
• The fine print

Discounts

Insurance provides coverage for unexpected financial burdens and piece of mind. But it's important to check your policies and see how you can lower your premium. Insurance companies offer discounts for all sorts of things now from safe driving to good grades to automatic bill pay. Pay attention to:

• Discounts offered
• Variety of discounts
• Discount qualifications

Perks/Benefits

The benefits of insurance these days have gone far beyond just what your policy covers. Most companies and policies come with perks -- some of which may be completely unrelated to your insurance policy. Take a look at:

• Non-pricing related perks offered
• Benefits unrelated to your coverage
• Perks that stand out in the industry
• Will you actually use the benefit?

Customer Service/Claims Process

Policy research and coverage options are great, but how is the process when you have to actually use your insurance policy? The best coverage doesn't hold much value if it's a hassle to get paid out. Pay special attention to:

• How hard it is to file a claim
• If your provider has a history of resisting payouts
• The customer satisfaction scores for your provider