Cheapest Auto Insurance in Georgia (2025)

Georgia drivers pay an overall average of $207 per month for car insurance, according to Insurify data.

Finding cheap car insurance in Georgia can depend on various factors, including your driving history, your age, and even your credit history.1 The cheapest insurance companies in the Peach State have average prices lower than the state average monthly costs for full-coverage auto insurance and liability-only coverage. Comparing car insurance quotes is the best way to find affordable coverage for your needs.

Here’s what you need to know about finding cheap car insurance in Georgia, no matter your situation.

3 of the cheapest car insurance companies in Georgia

Finding inexpensive car insurance may feel out of your control since insurance companies ultimately determine your rates.

“Insurers use more than a dozen personal rating factors to determine the cost of your auto insurance policy,” says Mark Friedlander, Insurance Information Institute director of corporate communications.

But that doesn’t mean drivers have no control over their premium costs. Friedlander adds that “most [factors] are things a driver can control, such as motor vehicle record, credit-based insurance score, [and] claims history.”

While demographic factors, such as marital status, location, age, and gender, can also affect your rates, maintaining a clean driving record and credit history, as well as limiting your claims, can go a long way to keeping your insurance costs low.

Hugo

Auto-Owners

Mile Auto

How to get the cheapest car insurance in Georgia

The cost of auto insurance in Georgia depends on a number of factors. Some of those factors are under your control. These include your driving record, the type of car you drive, the number of miles you drive, and how much insurance coverage you purchase. But other factors are out of your control — such as your age, gender, and location.

Even though you can’t control all the factors that determine your insurance premiums, here are several strategies you can adopt to find the cheapest car insurance in Georgia:

• Increase your deductible. A higher deductible means lower premiums. Just have a plan for paying the higher deductible if you need to file a claim.

• Bundle insurance. Many insurance companies offer discounts to buyers who get their auto and homeowners insurance from them.

• Drive defensively. Maintaining a clean driving record is one of the best ways to get and keep low insurance rates.

• Shop around. Comparing quotes from multiple insurers is the best way to find the coverage you need at a price you can afford.

Low-cost car insurance in Georgia

Georgia doesn’t have a program to help low-income drivers get affordable car insurance. But if you’re looking for a low-cost policy, you should consider shopping around for car insurance quotes every six months, allowing you to always be on top of which insurance company in your area is offering the cheapest rates at the moment.

Insurance companies continuously update their offered rates. Just because a certain insurer had the cheapest rates for you six months ago doesn’t necessarily mean they still do.

Cheapest liability-only car insurance quotes in Georgia: Progressive

Drivers who want to lower their insurance costs may choose a liability-only insurance policy. This kind of policy will only cover the costs of property damage or bodily injury to a third party. If you cause an accident, your liability coverage will pay for damage and medical expenses for the person you hit. It won’t pay to repair or replace your car or pay for the medical care you or your passengers may need.

Liability insurance in Georgia costs an average of $164 per month. The following insurance companies offer cheap liability-only car insurance in the Peach State.

Cheapest full-coverage car insurance quotes in Georgia: Auto-Owners

Full-coverage car insurance offers drivers more financial protection than liability-only coverage. In addition to liability, a full-coverage policy also provides collision coverage, which pays for damage to your vehicle if you cause an accident, and comprehensive coverage, which pays for the loss or damage of your car because of something other than an accident, such as weather or theft.

Georgia drivers pay an average of $250 per month for full coverage. The following insurers offer cheap full-coverage insurance in Georgia.

Car insurance requirements in Georgia

Georgia is an at-fault state, which means that the person at fault for causing an accident is responsible for paying damages.3 If you cause an accident, your liability insurance pays for the other party’s damages.

But what if there’s an accident and both parties are partially to blame? Under Georgia’s modified comparative negligence law, any party who is less than 50% responsible for an accident is eligible to receive compensation, although the percentage of blame may reduce the compensation amount.4 Here are the state-minimum insurance requirements in Georgia:5

These minimum requirements are just that: the bare minimum necessary to drive legally in Georgia. Peach State drivers may purchase policies with higher liability coverage and may also purchase additional coverages, such as:

Cheapest car insurance companies in Georgia by driving record

An incident on your driving record can increase your insurance premiums. Whether it was an at-fault accident, speeding ticket, or DUI, your insurance company will take notice of any serious moving violation, as it can indicate that you’re at a higher risk of getting into a collision and filing a claim.

Insurance companies increase rates for people with incidents on their driving record to account for this added risk.

Car insurance rates across Georgia cities

Car insurance rates across Georgia vary widely based on the city you live in. This is because car insurance companies heavily factor in your location, down to your ZIP code, when setting your car insurance rates. Check out the table below, which shows the average cost of car insurance in every Georgia city.