Cheapest Car Insurance For College Students in Georgia 2025

Finding the right insurance at affordable rates for college students in Georgia can be difficult, especially when college students already have a record. 18% of speeding drivers who are involved in car accidents in Georgia have a previously recorded speeding conviction within the last 5 years.

These correlations mean that car insurance providers are more likely to increase rates significantly for college students who are inexperienced and have a record. Thankfully, there are things that can be done to help save money on insurance premiums.

Best Car Insurance Companies For College Students In Georgia

When selecting car insurance for college students in Georgia, you need to consider your priorities and pick a policy that matches your needs, whether that is low rates or comprehensive coverage.

Use the table below to see our picks for the best auto insurers for students in Georgia.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Liability-Only Car Insurance For College Students In Georgia

Minimum coverage policies are often an effective way to decrease overall costs, but can leave you vulnerable in an accident. These low-cost plans will only cover the state minimum insurance needed to operate a vehicle, which means paying expenses out of pocket.

Minimum coverage policies are great options for college students as they provide the insurance needed to drive legally while keeping costs low.

As you can see from the table below, Country Financial is the cheapest average option at $432 per year.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Full Coverage Car Insurance For College Students In Georgia

College students who commute to campus or routinely drive for work should consider a full coverage policy over minimum coverage. These plans offer additional protection, often including liability, comprehensive, and collision coverage.

While the full coverage policies offer more protection, they come at a higher cost. It’s essential to weigh the benefits of the additional insurance against the extra monthly cost.

Georgia Farm Bureau is the cheapest full coverage car insurance policy for students in Georgia, at an average annual rate of $1,884.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Car Insurance For College Students With Low-Mileage In Georgia

If you’re a college student who doesn’t plan on driving much throughout the school year, there’s no reason to pay for insurance you don’t need. While you’ll still need to maintain the state minimum auto insurance, most low-mileage policies offer discounted rates if you stay below a certain number of miles yearly.

The limit will vary between insurance companies but is usually around 7,500 to 10,000 miles annually.

Use the table below to view the cheapest low-mileage rates for college drivers in Georgia.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Car Insurance For College Students With Driving Violations In Georgia

Driving violations can significantly increase the amount a driver pays for monthly coverage, regardless of age. College students will likely experience an even more significant rate increase after an accident or ticket due to their already high-risk rating.

One way to mitigate the damage of a driving violation is to work with a company like Georgia Farm Bureau that specializes in insuring motorists with a history of tickets or accidents.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For College Students In Georgia – By City

Where you live in Georgia can have a significant impact on your car insurance premiums.

Use the table below to view average rates for different cities in Georgia.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 18-Year-Old College Students In Georgia

Auto-Owners offers the cheapest rates for 18-year-old college drivers in Georgia, at an average monthly cost of $190.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 19-Year-Old College Students In Georgia

Allstate provides the cheapest policy for 19-year-old college students in Georgia, averaging $160 per month.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 20-Year-Old College Students In Georgia

The cheapest auto insurance rates for a 20-year-old college driver can be found with Allstate, averaging $139 per month.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 21-Year-Old College Students In Georgia

The most affordable college student car insurance policy for a 21-year-old can be found at Allstate, with an average monthly cost of $126.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 22-Year-Old College Students In Georgia

22-year-old student car insurance can be found from $119 per month, with an Allstate auto policy.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 23-Year-Old College Students In Georgia

23-year-old college drivers can find affordable insurance from Allstate at an average monthly cost of $116.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 24-Year-Old College Students In Georgia

The cheapest car insurance policy for a 24-year-old college student is $99 per month, which can be found with Allstate.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 25-Year-Old College Students In Georgia

Allstate offers the cheapest auto policies for 25-year-old college students in Georgia at $97 per month.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance On Family Policy Vs. Individual Policy

* These figures are estimates based on general market trends, and they may differ from your actual rate.

How Can College Students Save Money On Car Insurance In Georgia

Students in Georgia can save money on their car insurance by applying several types of discounts and investing in features or memberships that give even more.

Security And Safety Features

In 2021, Georgia experienced the largest number of traffic fatalities since 2006. 49% of those involved a driver who was engaged in risky driving behavior.

Risky behavior, as well as drowsy driving, is behind a startlingly high percentage of car accidents in Georgia, with 54% of all drivers in traffic accidents confirmed of distracted driving and 64% of drowsy driving accidents occurring before 8:00 a.m.

Risky behavior, distracted driving, and drowsy driving all result in things like following too closely and having to slam on the brakes unexpectedly. Georgia college students can help reduce the risk of these accidents and subsequent injuries or fatalities by investing in vehicle safety and security improvements, particularly anti-lock brakes and airbags.

Doing so can reduce the cost of insurance premiums.

Affiliation Discounts

Members of certain affinity groups like sororities and fraternities, as well as alumni associations, can get a 3% discount on Georgia car insurance policies from GEICO. Liberty Mutual provides special policy features to educators, while other companies provide discounts to members of sororities and fraternities.

Used vs. New

When insurance companies see a new vehicle, especially those with a higher powered engine, they see a risk of speeding. This is particularly dangerous in Georgia where 78% of all speeding related crashes involved serious injuries and fatalities and 18% of all drivers received a speeding conviction annually.

To help avoid the higher costs associated with these risks of speeding and speed-related accidents, college students in Georgia should consider used vehicles.

Student Discounts

Students in Georgia can also utilize discounts for high academic performance, living at a distance and leaving the car at home, and maintaining a clean driving record.

Do College Students Need Their Own Insurance, or Can They Stay On A Parent’s?

College students in Georgia are likely to pay more for their car insurance with limited experience. There are several discounts available to students, but the insurance requirements can typically be high, including collision and comprehensive coverage if the vehicle is being financed or leased.

That said, whether or not a college student needs to take out their own policy is contingent upon car registration and residence.

Registration

If you are a college student and you have a vehicle that is registered under your name or a vehicle that you are leasing or financing, you will need to take out your own policy. By comparison, if you register your car under the name of your parents, you can typically stay under their policy.

Residence

If you keep the same address as your parents, you can usually stay on their insurance policy. This remains true for students who go to college out of state or far from home and temporarily live in an apartment or a dormitory as long as they maintain their parents’ home address as their permanent living address. As soon as you move out and you maintain your own residence and you keep your car at that residence, you may have to switch to your own policy.

Common Auto Insurance Claims In Georgia

There are four primary types of auto insurance claims in Georgia, which include the following:

• Comprehensive Claims (2.81 incidents per 100 vehicle years)
• Collision Claims (5.8 incidents per 100 vehicle years)
• Property Damage Claims (3.36 incidents per 100 vehicle years)
• Bodily Injury Claims (0.95 incidents per 100 vehicle years)

In Georgia, some of the most common claims are for collision damage, followed by comprehensive coverage from damage caused by severe weather, vandalism, or theft. Other common auto insurance claims in Georgia are damage to a parked vehicle, theft, and personal injuries sustained in a car accident.

How To Get Discounts in Georgia

As a college student facing high insurance costs, you can get discounts in several ways.

1. First, compare new policies and see if new policies might offer access to new insurance-based discounts.
2. Second, ask your current insurance provider about any discounts they might be able to apply that you may not have on your policy at present.
3. Third, ask other affiliations or organizations that you are a part of whether they give discounts, like military discounts or alumni program discounts.

Each company provides different options, and some of the best options come from carrier-provided discounts for having multiple vehicles or Insurance products under the same policy, keeping good grades, and utilizing things like paying for your policy annually instead of monthly.

Georgia Car Insurance Laws To Know

Georgia requires that all drivers maintain liability insurance at $25,000 per person and $50,000 per incident, as well as $25,000 for property damage. Georgia state law does not require that physical damage coverage be purchased; however, if you lease or finance a vehicle, the lender or leasing company may require it.

Drivers in Georgia can purchase uninsured motorist coverage in addition to minimum coverage amounts, which can protect them in the event that another driver with whom they have an accident is uninsured, but this is not a legal requirement.

Georgia has a comparative negligence rule, and that means that if you are less than 50% at fault in a car accident in Georgia, you can get compensation from the other party. However, compensation amounts from the insurance provider of the other party are reduced based on the percentage at fault that you are found.

How To Buy Car Insurance As A College Student In Georgia

For college students, purchasing your initial auto insurance policy is much the same as for anyone else. You can use websites like Insuranceopedia to streamline the experience and make it more enjoyable.

With sites like these, you can look at rates from different providers and find those that are most affordable in your area.

Before you get started buying insurance, be sure to follow these steps:

1. Have all necessary details on hand, like vehicle info, driver’s license numbers, personal data, and driving history.
2. Figure out the required coverage for Georgia law compliance and what else you want to add to your policy
3. Choose between purchasing your policy online or through a local agent.
4. Compare quotes from a minimum of three different car insurance companies.
5. Purchase the policy and notify your previous insurance company if you are switching to a new provider.

Compare College Student Rates To Other U.S. States

* These figures are estimates based on general market trends, and they may differ from your actual rate.