Georgia has approximately 90,000 miles of roads that wind through beautiful landscapes and beautiful coastline. Find out about the cost of car insurance in the Peach State before exploring the area.
Georgia’s cost of living and housing is below average, but car insurance premiums are average compared to the national average.
Key takeaways
- USAA is the best car insurance in Georgia for customer satisfaction, averaging per year for comprehensive coverage.
- In Georgia, drivers with full coverage policies pay an average of per month.
- Young drivers in Georgia pay an average of a year for full coverage.
Best car insurance companies in Georgia
Finding the best car insurance in Georgia depends on factors like your age, what you drive, how you drive, and even where you live. Of the companies surveyed in Georgia, USAA is the most cost-effective and has the highest customer satisfaction scores, followed by State Farm.
USAA: Most affordable coverage
USAA is only available to military personnel, but if you qualify, it has the highest customer satisfaction ratings of any Georgia airline. USAA offers fewer insurance options than its competitors, but it’s a good choice for standard auto insurance.
- USAA is the lowest-cost option in Georgia for those who qualify
- Offers pay-as-you-drive auto insurance and a SafePilot discount
State Farm: Best budget pick
Multiple policies and discount options make State Farm a good choice. This is the annual average for full or minimal coverage. Customer satisfaction ranks him second highest on our list of best auto insurance providers.
- State Farm has multiple coverage options, including rideshare and rental reimbursement
- Their accident-free discount may increase over time the longer you go without an accident
Nationwide: Best for coverage options
Nationwide is moderate, with comprehensive coverage costing about 10,000 yen per year compared to the Georgia average. However, for those looking for multiple insurance options, such as rental car and gap insurance, Nationwide may be a good option. We also have a long list of discounts to help you save money on your insurance premium.
- Offers accident forgiveness and vanishing deductibles, among other programs
- Offers standard coverages and specialty policies like towing and labor coverage
Georgia auto insurance requirements
Georgia, like other states, requires drivers to carry certain insurance policies in case of an accident. State minimum insurance requirements are:
- $25,000 per person bodily injury liability
- $50,000 per accident bodily injury liability
- $25,000 property damage liability
How much does car insurance cost in Georgia?
People who live in densely populated cities tend to pay more for car insurance due to higher crime rates and traffic congestion. The average cost of car insurance in Georgia is comprehensive compared to the national average.
Drivers in Atlanta will likely pay the most for auto insurance in the state, while drivers in Athens will likely pay the lowest premiums.
Methodology
Our analysis was conducted using six different auto insurance markets to determine the best auto insurance in each state. The data we analyzed included premiums from up to 10 different insurance companies. We looked at city-specific rates, driver profiles, credit scores, and took into account the impact of traffic violations. This data is for comparison purposes only. Actual offers may vary.
