Fast, Free Auto Insurance Quotes

We recently analyzed car insurance rates in the state of Georgia to provide readers information about which companies and cities are the cheapest for GA drivers. The lowest average yearly premium cost we saw in the Peach State was $1,200. However, drivers can pay significantly more for autp insurance depending on where they live and who they decide to insure with. We recommend our readers compare quotes from multiple auto insurance companies so that they can find the cheapest rates for their unique driving profile. If you’re ready to begin your search for the best quotes today, enter your ZIP code above to get started! Georgia is filled with varied terrain, from the coastal beaches to farmland and mountains—regardless of where you live in the state, it’s important to compare rates to find the best option. Read on to learn more about our Georgia findings.

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Cheapest Auto Insurance in Georgia

Looking at the average monthly insurance premium payments reported by EverQuote users in GA, we found the 28 cheapest car insurance carriers, ranked from lowest in price to highest. In order to make sure we had a fair comparison, we looked at the Georgia driver profile of a single male driver with a clean driving record, looking to insure a single full-size or mid-size vehicle.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 21st Century Insurance $1,200 $100
2 AAA / Auto Club $1,218 $102
3 Farm Bureau $1,368 $114
4 Auto Owners $1,380 $115
5 Travelers $1,428 $119
6 USAA $1,524 $127
7 Nationwide $1,560 $130
8 State Farm $1,620 $135
State Average $1,620 $135

Fast, Free Auto Insurance Quotes

Across the vast state of Georgia, we saw that the cheapest average yearly cost of car insurance was $1,200 at 21st Century Insurance. Other low-cost options include AAA and Farm Bureau. Average rates in Georgia can vary by $1,000 depending on which auto insurance provider you are insured by.

Cheapest Car Insurance in Georgia by City}

EverQuote also looked at many locations in Georgia to compare reported rates for the same driver profile (a single male with a good driving record insuring one full-size or mid-size vehicle). Average yearly costs and average monthly payments varied greatly by city. For example, Stone Mountain had an average monthly payment of $159 while Valdosta—a city home to three National Register Historic Districts—has an median monthly payment of just over $100.

Rank CA City Average Yearly Cost Average Monthly Payment
1 Cumming $1,224 $102
2 Rome $1,308 $109
3 Buford $1,320 $110
4 Valdosta $1,320 $110
5 Columbus $1,356 $113
6 Hampton $1,368 $114
7 Griffin $1,404 $117
8 Dallas $1,404 $117
9 Newnan $1,404 $117
10 Warner Robins $1,404 $117
11 Woodstock $1,428 $119
12 Smyrna $1,470 $123
13 Kennesaw $1,488 $124
14 Alpharetta $1,500 $125
15 Mableton $1,500 $125
16 Carrollton $1,506 $126
17 Albany $1,530 $128
18 Gainesville $1,536 $128
19 Athens $1,548 $129
20 Covington $1,554 $130
21 Ellenwood $1,560 $130
22 Douglasville $1,560 $130
23 Duluth $1,590 $133
24 Norcross $1,596 $133
25 Austell $1,596 $133
26 Lilburn $1,602 $134
27 Union City $1,602 $134
28 Lagrange $1,614 $135
29 Acworth $1,620 $135
State Average $1,620 $135
30 Augusta $1,632 $136
31 Roswell $1,644 $137
32 Snellville $1,668 $139
33 Stockbridge $1,680 $140
34 Jonesboro $1,680 $140
35 Atlanta $1,680 $140
36 Decatur $1,680 $140
37 Lawrenceville $1,680 $140
38 Marietta $1,704 $142
39 Savannah $1,704 $142
40 Conyers $1,716 $143
41 Riverdale $1,716 $143
42 Macon $1,740 $145
43 McDonough $1,788 $149
44 Lithonia $1,788 $149
45 Powder Springs $1,812 $151
46 Forest Park $1,824 $152
47 Morrow $1,848 $154
48 Stone Mountain $1,902 $159

Methodology For This Study

To produce the analysis you see above, we collected self-reported monthly premiums from over two million users looking to save on their auto insurance rates. By studying this data, along with users' current auto insurance company and ZIP code at the time of entry, we were able to find the cheapest car insurance carriers in Georgia. Keep in mind that there are many different factors that go into your premium rate, so no two drivers are the same. We did account for this in our comparison, by only comparing reported premiums from users who were similar.