
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated
If you live or are moving to Georgia, and are trying to figure out how to save some money on car insurance, you can save a bundle by learning the minimum requirements.
Compare the state’s minimum coverage requirements, car insurance coverage options and how to get cheap rates in Georgia.
Car insurance quick facts
In at fault states, the driver who caused the accident pays for damages.
Company | Direct premiums written (billions) | Market share |
---|---|---|
State Farm | $2,034,291 | 21.6% |
Progressive | $1,231,733 | 13.1% |
Geico | $1,222,221 | 13.0% |
Allstate | $878,649 | 9.3% |
USAA | $807,797 | 8.6% |
Liberty Mutual | $341,971 | 3.6% |
Travelers | $304,654 | 3.2% |
Auto-Owners Insurance | $296,490 | 3.2% |
Georgia Farm Bureau | $262,559 | 2.8% |
Nationwide | $221,170 | 2.4% |
Georgia sits above the national average with an approximate annual car insurance cost of $1,250-1,450. If you’re above the age of 25 and looking to buy car insurance in Georgia, you could probably expect to pay something within this range.
Of Georgia’s largest cities, Marietta has the cheapest rates and Alpharetta has the most expensive car insurance rates. Alpharetta drivers could face rates six times more than Marietta drivers.
Company | Annual car insurance rate |
---|---|
Allstate | $1470 |
Metromile | $2624 |
Mercury | $2239 |
Geico | $1563 |
State Farm | $562 |
Company | Annual car insurance rate |
---|---|
Allstate | $1329 |
Metromile | $2433 |
Mercury | $2311 |
Geico | $1505 |
State Farm | $530 |
Company | Annual car insurance rate |
---|---|
Allstate | $1329 |
Metromile | $1975 |
Mercury | $1909 |
Geico | $1364 |
State Farm | $480 |
Company | Annual car insurance rate |
---|---|
Allstate | $1329 |
Metromile | $2702 |
Mercury | $1895 |
Geico | $1364 |
State Farm | $584 |
In order to legally drive in Georgia, you’ll need minimum liability insurance that includes:
When shopping for car insurance, you’ll sometimes see this written as 25/50/25.
Some states require that drivers purchase uninsured or underinsured motorists coverage (UM/UIM coverage), which protects them in case they get into an accident with someone without proper insurance coverage. Georgia does not require you to carry this type of insurance, although most drivers do.
Yes, you can. You might need an SR-22 in Georgia if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. The state DMV might require you to file for SR-22 to prove you have the minimum coverage required to get back behind the wheel.
How to file an SR-22 in Florida
Sarah George
Writer
I’ve found Georgia insurance inexpensive, especially for standard coverage. My family drives primarily used cars, have average mileage with no recent accidents, and have good credit. The insurance company sees us a low-risk, so we see rates a few hundred dollars per year below average.
That’s good news for anyone driving in a metropolitan area like mine. I imagine the rate fluctuates based on regions, since the state has both rural and city areas.
Many insurers in Georgia offer roadside assistance as an optional extra, and a few offer it free, typically when you buy collision and comprehensive coverage. The good new for drivers is that Georgia’s roads are among the best maintained across the country, due to its mild climate and terrain. The bad news is traffic conditions in Georgia don’t fare as well, especially when you’re driving near major cities like Atlanta. Collision risks increase with more traffic, and even a small fender bender could put your car out of commission temporarily. Call on roadside assistance to get the help you need to get back on the road fast, from quick fixes to towing to the nearest repair shop.
Compare car insurance companies near you.
Your information is secure.
Car insurance is both legally required and oftentimes a good decision for your own safety. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.
You can pay for car insurance in Bitcoin, even if your insurer doesn’t accept it yet.
CIT Savings Connect combines aspects of a checking and savings account in one product.
See how much interest you could earn with a savings account from Capital One.
This fintech just branched out into low-cost life insurance — but its lineup is limited.
Find unusually low face values for a whole life policy, ideal for supplemental insurance.
A health savings account (HSA) can help you get prepared for your retirement. Learn more.
Get pet insurance that reimburses 100% of your vet bills or a separate wellness plan.
Compare the costs, coverage and eligibility of these two popular plans.
The rush of turning $19,500 into $1 million can be enticing, but it’s not always the best idea.
A poor driving record may result in higher rates on your life insurance, with some insurers turning you away altogether.