Cheapest Car Insurance In Georgia For 2024

Looking to secure the cheapest car insurance in Georgia? Auto-Owners is one of the best providers and is recognized for offering competitive rates.

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Updated: 16 May 2024
Written by Bob Phillips
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Navigating the insurance market can be overwhelming, but finding affordable coverage is essential for peace of mind on the road. With various factors influencing insurance rates, understanding your options and comparing quotes is crucial to finding the best deal without compromising on coverage. With 10 years of experience studying the car insurance market, I’ve curated essential information to aid your decision-making process.

Remember, opting for the cheapest car insurance may come at a higher cost, particularly in states like Georgia with unique driving dynamics. My aim is to empower you to make informed choices that safeguard your finances and offer peace of mind on the road. Let’s delve into the intricacies of finding affordable car insurance in Georgia to help you drive confidently without breaking the bank.

Cheapest Car Insurance In Georgia, 2024

Cheapest Car Insurance, Georgia, 2024

Our Methodology

By considering factors such as customer service ratings, insurance offerings, pricing, and user feedback, I've crafted a comprehensive overview of the various car insurance providers in Georgia. This perspective is formed after 15 years of direct involvement in the insurance industry as a licensed agent in Georgia. It stems from interactions with representatives from different companies and firsthand experiences procuring car insurance in the state.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

Cheapest Car Insurance In Georgia For Minimum Coverage: Auto-Owners

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $38 $454
Georgia Farm Bureau $42 $502
Encompass $43 $521
Allstate $54 $648
Mercury $55 $661

Minimum coverage car insurance in Georgia includes two essential components: Personal Injury Protection (PIP) and Property Damage Liability (PDL).

PIP coverage is designed to provide medical expenses and lost wages coverage for you and your passengers, regardless of who is at fault in the accident. This type of auto coverage ensures that you receive prompt medical treatment and compensation for income loss resulting from injuries sustained in a car accident.

Property Damage Liability (PDL) coverage, on the other hand, covers the costs associated with damaging someone else’s property in an accident. This can include repairing or replacing vehicles, buildings, or other structures that are damaged in a collision where you are at fault.

Both PIP and PDL are mandatory components of minimum coverage car insurance in Georgia, ensuring that drivers have financial protection in case of accidents.

It’s important to recognize that opting for minimum coverage comes with its constraints, particularly in complex or severe accident scenarios. For instance, it lacks coverage for collision or comprehensive incidents, leaving drivers responsible for damages to their own vehicles in accidents, as well as events like theft or natural disasters.

Hence, it’s essential to review your policy carefully and consider additional coverage options to ensure you have adequate protection based on your individual needs and circumstances.

Cheapest Car Insurance In Georgia For Full Coverage: Auto-Owners

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $133 $1,601
Mercury $150 $1,795
Progressive $187 $2,249
Encompass $189 $2,274
Georgia Farm Bureau $201 $2,415

Full coverage car insurance in Georgia typically refers to a policy that includes several types of coverage beyond the state’s minimum requirements. While specific components can vary between insurance providers, full coverage typically includes liability coverage, collision coverage, and comprehensive coverage.

Liability coverage helps pay for damages and injuries to others if you’re at fault in an accident. Collision coverage helps cover the cost of repairing or replacing your vehicle if it’s damaged in a collision with another vehicle or object. Comprehensive coverage helps pay for damages to your vehicle caused by events other than collisions, such as theft, vandalism, or natural disasters.

Additionally, full coverage policies may offer other optional coverages, such as uninsured/underinsured motorist coverage, medical payments coverage, or roadside assistance.

Full coverage car insurance provides more extensive protection than minimum coverage policies, offering peace of mind and financial security in a wider range of situations. However, it’s essential to review your policy carefully and consider your individual needs and budget when selecting coverage options.

Most Affordable Car Insurance In Georgia For Seniors: Country Financial

Provider Average Monthly Cost Average Annual Cost
Country Financial $66 $795
Auto-Owners Insurance $75 $901
Allstate $93 $1,121
GEICO $101 $1,217
Mercury $107 $1,283
The search for the most affordable car insurance in Georgia is a common concern for seniors. While rates may vary based on individual circumstances, seniors often benefit from several factors that can lead to lower insurance premiums.

One advantage is the typically lower mileage driven by seniors, as they may not commute to work daily or engage in frequent long-distance travel. Reduced mileage translates to lower risk for insurers, which can result in lower premiums.

Additionally, many seniors have years of driving experience and a clean driving record. Insurance companies often offer discounts for safe driving habits and a history of few or no accidents or traffic violations. These discounts can significantly reduce insurance costs for seniors.

Moreover, some insurers offer specialized programs or discounts tailored specifically for seniors. These programs may include perks such as defensive driving courses, vehicle safety features, or bundled insurance packages that cater to the unique needs of older drivers.

Overall, seniors can benefit from their driving experience, lower mileage, and available discounts to secure affordable car insurance in Georgia. By exploring options and comparing quotes from different insurers, seniors can find coverage that meets their needs and fits within their budget.

Cheapest Auto Insurance In Georgia For Drivers With Poor Credit: Country Financial

Provider Average Monthly Cost Average Annual Cost
Country Financial $184 $2,212
Geico $228 $2,740
USAA $251 $3,010
Progressive $270 $3,239
Auto-Owners Insurance $328 $3,933

The calculation of car insurance rates heavily relies on your credit score, a pivotal indicator that insurers use to gauge your risk level. Generally, individuals with lower credit scores are perceived as higher-risk customers, statistically more likely to file insurance claims. Consequently, they often face elevated insurance premiums compared to those with stronger credit standings.

However, amidst this trend, there’s a glimmer of hope in the insurance landscape. Some insurers have tailored their policies to be more accommodating for individuals with less-than-ideal credit histories. These companies offer competitive rates that don’t disproportionately penalize poor credit, adopting a holistic approach to risk assessment.

In addition to credit scores, factors like driving history, location, and vehicle type are considered in this broader risk evaluation. For those grappling with lower credit scores, exploring options and obtaining quotes from these specialized insurers is paramount. They may find that these companies offer more flexible pricing structures, making car insurance more attainable and affordable, even in the face of credit challenges.

Cheapest Auto Insurance In Georgia For Young Drivers

In Georgia, young adult drivers typically benefit from lower car insurance rates in comparison to teenagers. This variation in pricing arises from the evolution of driving behaviors and a corresponding decline in risk-taking tendencies as drivers progress in age.

Statistical data indicates that young adults have a higher likelihood of getting into accidents. This increased risk translated into higher premiums.

Cheapest Georgia Car Insurance For 16-Year-Olds: Auto-Owners Insurance

Auto-Owners Insurance has the cheapest rates for 16 year olds, with an average monthly premium of $349.

Provider Average Annual Cost Average Monthly Cost
Auto-Owners Insurance $4,186 $349
Country Financial $4,221 $352
Georgia Farm Bureau $5,402 $450
USAA $5,681 $473
State Farm $6,857 $571

 Cheap Georgia Car Insurance For 17-Year-Olds: USAA

USAA has the cheapest rates for 17 year olds, with an average premium of $237.

Provider Average Monthly Cost Average Annual Cost
USAA $237 $2,849
Auto-Owners Insurance $287 $3,438
Country Financial $305 $3,664
Geico $314 $3,772
State Farm $388 $4,659

Cheapest Georgia Car Insurance For 18-Year-Olds: USAA

USAA has the cheapest rates for 18 year olds, with an average monthly premium of $290.

Provider Average Monthly Cost Average Annual Cost
USAA $212 $2,543
Geico $250 $3,005
Auto-Owners Insurance $263 $3,154
Country Financial $277 $3,321
Georgia Farm Bureau $291 $3,492

Cheapest Georgia Car Insurance For 21-Year-Olds: USAA

USAA has the cheapest rates for 21 year olds, with an average monthly premium of $.

Provider Average Monthly Cost Average Annual Cost
USAA $137 $1,643
Geico $157 $1,875
Auto-Owners Insurance $189 $2,267
Georgia Farm Bureau $202 $2,420
Country Financial $219 $2,628

Cheapest Car Insurance In Georgia For Drivers With Prior Incidents

Car insurance for drivers with prior incidents in Georgia can be more challenging to obtain and may come with higher premiums compared to drivers with clean records. Prior incidents can include accidents, speeding tickets, or DUIs, which signal a higher risk to insurance companies.

Drivers with prior incidents in Georgia may face higher insurance rates due to the increased likelihood of filing future claims. Insurance providers often consider past incidents as indicators of future risk and adjust premiums accordingly.

However, despite the challenges, drivers with prior incidents still have options for obtaining car insurance in Georgia. Some insurance companies specialize in providing coverage to high-risk drivers and may offer policies tailored to individuals with past incidents.

Affordable Car Insurance For Drivers With A Speeding Ticket: Georgia Farm Bureau

Georgia Farm Bureau has average premiums of $145, making it the cheapest option for drivers with a speeding ticket.

Provider Avg. Annual Min Coverage Premium Avg. Annual Full Coverage Premium
Georgia Farm Bureau $145 $1,738
Auto-Owners $163 $1,956
USAA $172 $2,058
Geico $189 $2,270
Allstate $216 $2,596

 Cheapest For Drivers With An At-Fault Accident: Country Financial

Country Financial has average premiums of $167, making it the cheapest option for drivers with an at-fault accident.

Provider Avg. Annual Min Coverage Premium Avg. Annual Full Coverage Premium
Country Financial $167 $2,006
Georgia Farm Bureau $177 $2,127
Auto-owners $180 $2,161
State Farm $186 $2,232
USAA $204 $2,450

Cheapest Auto Insurance In Georgia For Drivers After A DUI: State Farm

State Farm has average premiums of $, making it the cheapest option for drivers with a DUI on their record.

Provider Average Monthly Cost Average Annual Cost
State Farm $173 $2,070
Auto-Owners $236 $2,830
Progressive $237 $2,847
Mercury $239 $2,870
USAA $285 $3,419

Cheapest Car Insurance For Good Drivers: Auto-Owners Insurance

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $129 $1,544
Country Financial $129 $1,553
USAA $138 $1,655
Georgia Farm Bureau $145 $1,738
State Farm $162 $1,942

Car insurance for good drivers in Georgia offers competitive rates and various benefits for those with a clean driving record. Good drivers, typically defined as individuals with few or no accidents, traffic violations, or claims, are considered lower risk by insurance companies.

Good drivers in Georgia can benefit from lower premiums compared to drivers with a history of accidents or violations. Insurance providers often offer discounts and rewards for maintaining a safe driving record, which can lead to significant savings on insurance premiums.

Additionally, good drivers may qualify for additional perks or benefits from their insurance providers. These benefits may include accident forgiveness programs, where the first at-fault accident doesn’t result in a premium increase, or deductible rewards for each year without an accident.

Average Cost Of Car Insurance In Georgia – By Age

Age Average Monthly Cost Average Annual Cost
16 $523 $6276
17 $437 $5250
18 $355 $4265
19 $286 $3443
21 $158 $1902
25 $158 $1900
35 $112 $1348
45 $106 $1283
55 $98 $1184
65 $102 $1226
75 $127 $1531

Average Cost In Georgia – By Gender & Marital Status

Gender Marital Status Average Annual Cost
Female Single $1,450
Male Single $1,600
Female Married $1,250
Male Married $1,350

Average Cost In Georgia – By Credit Tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $102 $1,225
Good $141 $1,702
Fair $169 $2,029
Poor $204 $2,457

 Cheapest Car Insurance In Georgia By City

City Average Monthly Cost Average Annual Cost
Albany $92 $1,105
Peachtree City $117 $1,403
Milton $126 $1,512
Marietta $140 $1,836
Atlanta $153 $1,684

Minimum Car Insurance Requirement In Georgia

The minimum Georgia car insurance coverage requirements under state law are as follows:

  • Property damage liability: $25,000 per accident

In Georgia, the minimum car insurance requirements include liability coverage for property damage and bodily injury. Personal Injury Protection (PIP) is not mandatory in Georgia. However, drivers must carry the following minimum coverage:

Property Damage Liability (PDL): Drivers must have a minimum of $25,000 in coverage for property damage liability. This coverage helps pay for damages to another person’s property, such as their vehicle or other structures, if you are at fault in an accident.

Bodily Injury Liability (BIL): Drivers must also have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage. This coverage helps pay for medical expenses, lost wages, and other costs associated with injuries to other people if you are at fault in an accident.

While PIP is not required in Georgia, drivers have the option to purchase Medical Payments (MedPay) coverage as an alternative. MedPay provides coverage for medical expenses for you and your passengers, regardless of who is at fault in an accident. The minimum coverage amounts for MedPay in Georgia vary by insurance provider but typically start at around $1,000 to $5,000.

It’s essential for Georgia drivers to review their insurance policies carefully and consider their individual needs to ensure they have adequate coverage in case of an accident.

Car Insurance Discounts In Georgia

When searching for car insurance, it’s wise to explore insurers that offer discounts tailored to your circumstances. Additionally, engaging in dialogue with your insurance agent can reveal potential discounts that you may not currently be utilizing.

Here’s further insight into the common types of discounts provided by top car insurance companies:

  • Safe Driver Discount: Drivers with a clean driving record, free of accidents or violations, may be eligible for a safe driver discount.
  • Multi-Vehicle Discount: Insuring multiple vehicles under the same policy can often lead to discounted rates.
  • Good Student Discount: Students who maintain good grades, typically a “B” average or higher, may qualify for a discount on their car insurance premiums.
  • Defensive Driving Course Discount: Completing a state-approved defensive driving course can sometimes result in a discount on car insurance premiums.
  • Bundling Discount: Purchasing multiple insurance policies, such as auto and homeowners insurance, from the same provider can often lead to discounted rates on both policies.
  • Anti-Theft Device Discount: Installing anti-theft devices in your vehicle, such as alarms or tracking systems, may qualify you for a discount on your car insurance premiums.
  • Low Mileage Discount: Drivers who drive fewer miles than the average may be eligible for a discount on their car insurance premiums.

FAQs

How much is car insurance a month in Georgia?

The average cost of car insurance per month in Georgia varies depending on factors such as age, driving history, vehicle type, and coverage levels. On average, drivers in Georgia can expect to pay anywhere from $100 to $300 per month for car insurance.

What is the minimum car insurance one must have in Georgia?

The minimum car insurance requirements in Georgia include liability coverage for property damage and bodily injury. Specifically, drivers must have at least $25,000 in property damage liability coverage and $25,000 per person and $50,000 per accident in bodily injury liability coverage.

Which insurance is better in Georgia?

The best car insurance provider in Georgia depends on individual factors such as driving record, coverage needs, and budget. It’s essential for drivers to compare quotes from multiple insurance companies, consider factors like customer service, financial strength, and available discounts, and choose the provider that offers the best combination of coverage and affordability for their specific situation.

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