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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.
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Georgia auto insurance providers
Most popular Georgia auto insurance companies list
| 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% |
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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1470 |
| Metromile | $2624 |
| Mercury | $2239 |
| Geico | $1563 |
| State Farm | $562 |
Car insurance quotes in Suwanee
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1329 |
| Metromile | $2433 |
| Mercury | $2311 |
| Geico | $1505 |
| State Farm | $530 |
Car insurance quotes in Marietta
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1329 |
| Metromile | $1975 |
| Mercury | $1909 |
| Geico | $1364 |
| State Farm | $480 |
Car insurance quotes in Alpharetta
| Company | Annual 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
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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