Cheap Car Insurance in Georgia 2019

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Finding cheap Georgia car insurance

If you're looking to find cheap car insurance in Georgia, one of the best ways to save money is to shop around and compare quotes. That's because rates can vary by hundreds of dollars a year among companies for the same coverage.

We've analyzed average premiums reported by EverQuote users so you can see how prices compare for Georgia drivers. (See methodology at the bottom of the page.)

Sections:

  Georgia vs. the U.S. average
  Average Georgia premiums by company
  Insurance increases after a speeding ticket
  Insurance increases after an accident
  Insurance increases after a DUI
  See average premiums for Georgia cities
  Find cheaper Georgia auto insurance

Georgia vs. the U.S. average

Average premiums paid by Georgia drivers with good records are higher the national average:

  • $1,939/year Georgia average.
  • $1,684/year national average.

Average Georgia premiums by company

Company

(click to see company information)

Average annual premium in Georgia

Auto-Owners Insurance

$1,674

Farm Bureau

$1,732

21st Century Insurance

$1,746

The Hartford

$1,778

Allied

$1,788

Travelers Insurance

$1,812

USAA

$1,829

State Farm

$1,889

AAA Insurance/Auto Club

$1,900

Farmers Insurance

$1,909

Liberty Mutual

$1,917

COUNTRY Financial

$1,937

Nationwide Insurance

$1,960

American Family Insurance

$1,962

Amica

$1,966

Safeway Insurance

$1,983

Progressive Insurance

$1,991

Geico

$2,002

Allstate

$2,003

MetLife

$2,004

Esurance

$2,012

The General

$2,017

American National

$2,019

Safeway Insurance

$2,131

Safeco

$2,136

Mercury Insurance

$2,212

Insurance increases in Georgia after a speeding ticket

Georgia drivers who got a speeding ticket see an average premium increase of 25% at renewal time.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
Georgia $1,939 $2,429 25%
Nationwide average 26%

Insurance increases in Georgia after an accident

Georgia drivers who caused an accident got an average premium increase of 37%.

State Annual premium with clean driving record Annual premium with an chargeable accident, no injury % increase
Georgia $1,939 $2,658 37%
Nationwide average 36%

Insurance increases in Georgia after a DUI

If you're convicted of a DUI, the average premium increase in Georgia is 39%

State Clean record DUI % increase
Georgia $1,939 $2,487 28%

Average premiums in Georgia cities

City

Average annual premium

Acworth

$1,846

Albany

$1,819

Alpharetta

$1,855

Athens

$1,751

Atlanta

$2,034

Augusta

$1,893

Austell

$2,054

Brunswick

$1,798

Buford

$1,824

Calhoun

$1,624

Canton

$1,863

Carrollton

$1,896

Cartersville

$1,936

Clarkston

$1,934

Columbus

$1,886

Conyers

$2,100

Covington

$1,984

Cumming

$1,737

Dacula

$1,974

Dallas

$1,863

Dalton

$1,631

Decatur

$2,127

Douglasville

$1,945

Dublin

$2,084

Duluth

$1,964

Ellenwood

$2,162

Fairburn

$2,145

Fayetteville

$1,986

Forest Park

$2,116

Gainesville

$1,813

Griffin

$1,978

Hampton

$1,860

Hephzibah

$1,919

Hinesville

$1,979

Jonesboro

$2,023

Kennesaw

$1,899

Lagrange

$1,900

Lawrenceville

$1,966

Lilburn

$2,050

Lithia Springs

$2,043

Lithonia

$2,210

Loganville

$1,912

Mableton

$1,882

Macon

$1,972

Marietta

$1,972

Mcdonough

$1,958

Milledgeville

$2,045

Monroe

$1,796

Morrow

$2,181

Newnan

$1,835

Norcross

$2,002

Powder Springs

$1,966

Rex

$2,095

Riverdale

$2,114

Rome

$1,758

Rossville

$1,531

Roswell

$1,836

Savannah

$1,913

Smyrna

$1,963

Snellville

$2,077

Statesboro

$1,786

Stockbridge

$2,001

Stone Mountain

$2,122

Suwanee

$2,044

Thomasville

$1,807

Tucker

$2,169

Union City

$2,119

Valdosta

$1,877

Villa Rica

$1,945

Warner Robins

$1,861

Waycross

$1,760

Winder

$1,824

Woodstock

$1,738

How to get cheaper Georgia auto insurance

  • Compare car insurance quotes from multiple insurance companies.
  • Keep a clean driving record with no accidents, tickets or insurance claims.
  • Ask your insurance agent to review the available car insurance discounts.
  • Increase the deductible on comprehensive and collision coverage, if you buy them.
  • Buy renters or homeowners insurance from your car insurance company to get a "bundling" discount.
  • If you're buying a car, ask your agent to run quotes for the cars you're considering so you're not surprised by the insurance bill later.

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Feb. 15, 2019

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