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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 $1,450. 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
The AARP Auto Insurance Program from The Hartford
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.
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.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Compare up to 4 providers


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

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

Most popular Georgia auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$2,034,29121.6%
Liberty Mutual$341,9713.6%
Auto-Owners Insurance$296,4903.2%
Georgia Farm Bureau$262,5592.8%

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
State Farm$562

Car insurance quotes in Suwanee

CompanyAnnual car insurance rate
State Farm$530

Car insurance quotes in Marietta

CompanyAnnual car insurance rate
State Farm$480

Car insurance quotes in Alpharetta

CompanyAnnual car insurance rate
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

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Sarah George


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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