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Compare car insurance in Georgia

Get the cheapest car insurance in Georgia for 2020

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.

Georgia

Car insurance quick facts

25/50/25

Minimum liability requirements

$1,450

Average annual car insurance cost

10

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Georgia auto insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Geico
Optional
26%
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$2,034,29121.6%
Progressive$1,231,73313.1%
Geico$1,222,22113.0%
Allstate$878,6499.3%
USAA$807,7978.6%
Liberty Mutual$341,9713.6%
Travelers$304,6543.2%
Auto-Owners Insurance$296,4903.2%
Georgia Farm Bureau$262,5592.8%
Nationwide$221,1702.4%

Average car insurance costs in Georgia

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.

Which city has the cheapest car insurance in Georgia?

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.

Car insurance quotes in Lawrenceville

CompanyAnnual car insurance rate
Allstate$1470
Metromile$2624
Mercury$2239
Geico$1563
State Farm$562

Car insurance quotes in Suwanee

CompanyAnnual car insurance rate
Allstate$1329
Metromile$2433
Mercury$2311
Geico$1505
State Farm$530

Car insurance quotes in Marietta

CompanyAnnual car insurance rate
Allstate$1329
Metromile$1975
Mercury$1909
Geico$1364
State Farm$480

Car insurance quotes in Alpharetta

CompanyAnnual car insurance rate
Allstate$1329
Metromile$2702
Mercury$1895
Geico$1364
State Farm$584

State minimum requirements in Georgia

In order to legally drive in Georgia, you’ll need minimum liability insurance that includes:

  • $25,000 bodily injury liability coverage per person.
  • $50,000 bodily injury liability coverage per accident.
  • $25,000 property damage liability coverage per accident.

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.

Can I get SR-22 insurance in Georgia?

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

Case study: Sarah’s experience

profile pic

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.

Roadside assistance in Georgia

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.

Bottom line

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.

Get the cheapest quotes

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Frequently asked questions about car insurance in Georgia

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