Georgia Car Insurance With Bad Credit (2025)
Drivers with bad credit in Georgia tend to pay higher car insurance rates.
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Georgia allows insurance companies to use credit-based insurance scores when determining car insurance premiums. This means drivers with fair or poor credit typically pay higher rates than drivers with good or excellent credit.
Although bad credit can lead to higher rates, plenty of insurers work with drivers with bad credit. Plus, shopping around can help drivers uncover savings.
Here’s what you should know about finding car insurance with a bad credit history.
Quick Facts
Travelers, USAA, and Auto-Owners offer some of the best car insurance for Georgia drivers with bad credit.
Georgia requires all drivers to carry a minimum amount of liability coverage.
Insurers primarily look at your credit-based insurance score, not your credit score, when determining rates.
How credit affects car insurance rates in Georgia
Insurance companies in the Peach State can look at your credit history when determining premiums. But companies don’t look at your traditional credit score. Instead, they use your credit history and details from your credit report to determine your credit-based insurance score.
Information that may play into your credit-based insurance score includes your payment history, outstanding debt, credit history length, pursuit of new credit, and credit mix, or the types of credit you have. For example, a history of on-time payments could lead to a better score.1
Insurers use your credit-based insurance score as a factor when determining rates. But it’s important to note that your credit history is just one of many factors an insurance company considers when determining your rates.
Other factors that affect your premiums include your driving record, ZIP code, and more. For example, traffic violations on your driving record might lead to rate increases, whether or not you have bad credit.
Drivers with a higher credit-based insurance score typically pay lower premiums than drivers with a lower credit-based insurance score. That’s because insurers often associate bad credit with higher risk, which they compensate for with higher premiums.
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Best Georgia insurance for drivers with bad credit
The right car insurance company for you will vary based on your unique situation. But some insurers offer better coverage to Georgia drivers than others. Explore some of the best auto insurance companies for drivers with bad credit below.
Travelers: Best for affordable rates
Auto-Owners: Best for discounts
USAA: Best for veterans
Our editorial team analyzed regional and national auto insurance companies that sell policies in Georgia to assess which offer the best rates, coverage options, customer service, and savings to drivers with a low credit score. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Average Georgia car insurance rates by credit tier
Drivers with good or excellent credit in Georgia typically pay less for coverage than people with fair or poor credit. The table below highlights the average rates by credit tier to help you understand what you may pay for coverage.
How to get cheaper Georgia car insurance with bad credit
Although Georgia requires car insurance, that doesn’t mean you have to overpay for this unavoidable expense.
The strategies below can help you find more affordable car insurance in Georgia, even if you have bad credit:2
Georgia minimum car insurance requirements
Drivers in the Peach State must carry an auto insurance policy that meets the following minimum requirements:3
Bodily injury liability coverage: You’ll need a policy with at least $25,000 per person and $50,000 per accident in bodily injury liability coverage.
Property damage liability coverage: You’ll need at least $25,000 in property damage liability coverage per accident.
If your car insurance policy lapses on a registered vehicle, you’ll incur an initial fine of $25, and up to $160 in fines if you don’t reinstate coverage within 30 days. The state can also suspend or revoke your vehicle’s registration if your policy lapse continues.
Although the state only mandates liability coverage, many lenders require drivers to carry full-coverage insurance on financed cars. With that, you may have to carry additional coverage until you pay off your vehicle.
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Optional coverages and discounts worth considering
If you’re seeking more robust protection, you should consider adding other coverages to your insurance policy. Some optional add-ons to consider include the following:4
Collision coverage: After an accident, collision insurance helps pay to repair or replace your vehicle.
Comprehensive coverage: Comprehensive insurance helps pay to repair or replace your vehicle after a covered incident, like natural disasters or theft.
Uninsured/underinsured motorist coverage: If you have an accident with an underinsured or uninsured driver, this insurance helps cover the costs of getting back on the road.
Medical payments coverage: Medical payments coverage can help pay for doctor bills after an accident.
Gap coverage: If you’ve financed your vehicle and owe more than the vehicle is worth, gap insurance covers that difference. After an accident that totals your vehicle, gap insurance pays out the difference between the vehicle’s value and your remaining loan balance.
Car insurance costs can add up for all drivers — especially those with bad credit. As you explore your options, finding the right discounts can make a significant difference to your costs. Ask an insurer if you qualify for any discounts, such as multi-policy, telematics, safety device, or defensive driving course discounts, before signing up for a policy.
Georgia car insurance with bad credit FAQs
If you still have questions about getting car insurance in Georgia with bad credit, the following answers may help.
Can you get insurance with a bad credit history?
Yes. You can get insurance with a bad credit history. But drivers with bad credit tend to pay more for coverage.
Which company offers the cheapest insurance for drivers with bad credit?
Some of the companies offering the cheapest rates to drivers with bad credit include COUNTRY Financial, USAA, and Auto-Owners.
Does credit history affect car insurance in Georgia?
Yes. Insurance companies in Georgia can consider your credit history when determining car insurance premiums.
Does Allstate check your credit history?
Yes. Allstate, like other car insurance companies, will likely check your credit history when determining car insurance rates for Georgia drivers.
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