Cheap Car Insurance in Georgia 2019

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Cheapest auto insurance companies in Georgia

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

Auto insurance premiums in Georgia

Insurance increases after a speeding ticket

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

State Clean driving record Speeding ticket % increase
Georgia $1,939/year $2,429/year 25%
Nationwide average 26%

Insurance increases after an accident

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

State Clean driving record Chargeable accident, no injury % increase
Georgia $1,939/year $2,658/year 37%
Nationwide average 36%

Insurance increase 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/year $2,487/year     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

Auto insurance requirements in Georgia

You must show an insurance ID card (or other proof of financial responsibility) in Georgia when:

  • Law enforcement requests it.
  • You renew vehicle registration.
  • Your vehicle is involved in a car accident.

Penalties for not having auto insurance in Georgia

  • Misdemeanor, subject of a fine of $200 to $1,000 and/or up to 12 months imprisonment; suspension of registration until proof provided and fee are paid.

Source: Property Casualty Insurers Association of America


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 Aug. 21, 2019

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