Compare car insurance in Georgia

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.

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

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• Top auto insurance companies in Georgia
• List of insurance companies in Georgia

Georgia auto insurance providers

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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.	Get quotes More Info	Compare	loading Fetching your data...
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.	Get quotes More Info	Compare	loading Fetching your data...
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.	Get quotes More Info	Compare	loading Fetching your data...
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.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
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.	More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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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.

• Lawrenceville
• Suwanee
• Marietta
• Alpharetta

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

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

• Is my out-of-state insurance policy acceptable in Georgia?

  Your out-of-state insurance policy will usually be accepted in Georgia so long as it fulfills the state requirements, however there are always exceptions. If you’re unsure whether or not your coverage will transfer, you can call your local Georgian DMV and your insurance company.

• Will my rates go up if I file a claim through my car insurance?

  While each car insurance policy varies, it’s possible that your car insurance rates will go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.

• Can my insurance company cancel my policy if I file a claim?

  It could: Your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs. You will typically receive notice from your car insurance company before it plans to cancel your policy.

• How do I register my car in Georgia?

  Before you register your car in Georgia, you’ll need to transfer your license. Using your temporary driver’s license, you can visit the County Tax Commissioner’s Office and register your car.