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Compare car insurance in Georgia

Get the cheapest car insurance in Georgia for 2021

The average annual cost of car insurance in Georgia is $1,382.52. Narrow down car insurers offering coverage in Georgia by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Georgia’s average annual cost for car insurance is $1,382.52 annually or about $115 monthly, according to the National Association of Insurance Commissioners (NAIC). The state’s average sits 16% above the national average of $1,190 per year.

However, because your car insurance rate depends on many factors like your driving record and exact car, you may or may not pay close to this amount. Plus, the NAIC’s cost includes policies both with state minimum coverage as well as higher coverage like comprehensive and collision. The coverage you choose will affect whether your rates cost more or less than Georgia’s average.

Georgia car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$1,382.52

At-fault state

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

State minimum car insurance requirements in Georgia

To legally drive in Georgia, you need a minimum amount of liability insurance. You may see the amount of coverage required written as 25/50/25, called the coverage limits. These limits tell you how much your insurance company will pay after an accident — in this case, an accident you cause.

Let’s look in detail at what’s covered by Georgia’s state minimum requirements.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for bodily injuries to one person
  • $50,000 for injuries to two or more people

For bodily injuries, Georgia requires you to carry 25/50 in coverage, which pays up to $25,000 for injuries to one person and $50,000 total if you injure several people in the same accident.

This coverage is important because it keeps you from paying out of pocket for someone else’s medical bills or pain and suffering. However, since these costs can get expensive, think about raising your limits higher than Georgia requires.

Property damage liability

Property damage liability

  • $25,000 in property damage liability

Georgians also need $25,000 for property damage liability, which kicks in for damage to the other driver’s car or personal property like a phone, car seats or cargo. This coverage limit is a common requirement across states, but it offers little protection except for minor car accidents.

Finder tip: Georgia’s state minimum coverage isn’t enough

Georgia keeps in line with what other states require for their drivers, but that doesn’t mean you’re well protected for every car accident scenario. For example, if you total someone else’s car that’s worth $40,000, your property damage liability would pay up to $25,000 to replace their car.

To avoid being responsible for the rest on your own, think about raising your liability limits and adding optional coverage that fits with your budget and driving needs.

Most popular Georgia auto insurance companies list

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%

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

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.

Frequently asked questions about car insurance in Georgia

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