Cheap Car Insurance in Georgia

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Finding cheap car insurance in Georgia

If you're looking for cheap car insurance in Georgia, check out these average premiums by company and city so you can see how prices compare. 

Because rates can vary considerably by company, it's important to compare prices if you're looking for cheap car insurance in Georgia. You can possibly save hundreds of dollars a year by comparison shopping. We looked at premiums reported by EverQuote users in Georgia for larger insurance companies. The prices below reflect rates for one driver with a clean record insuring one vehicle.

Company
(Click to see reviews)
Average monthly premium
Auto-Owners $120
Farm Bureau $124
21st Century                  $131
AAA Insurance $134
Travelers $135
USAA $136
Farmers $143
State Farm $146
Allied $149
Progressive $153
Geico $153
Nationwide $154
Liberty Mutual $154
COUNTRY Financial $154
Esurance $154.50
American Family $155
Allstate $156
MetLife $160
The General $165
Safeco $167
Mercury $190.50
Source: EverQuote. See full methodology below.


The best way to find a good deal is to get quotes from multiple companies. Also keep in mind that the cheapest car insurance company in Georgia for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims.

Recent auto insurance rate changes approved by Georgia

Even if you have a good driving record, you could find out you're getting a rate increase at renewal time.

Auto insurance companies must file proposed rate increases and decreases with the state. Below are rate changes recently approved by the Georgia department of insurance.

These rate changes may not affect all customers in the state. Companies may be listed more than once of they have rate changes for different groups of customers. If you are affected by a rate change, you'll receive a notice before renewal time. The effective dates below indicate when the rate change will begin.

Company Effective date Rate change %

(    ) = decrease

Nationwide Mutual Insurance Co. - rate change for policies with minimum limits 8/16/18 24.900
Nationwide Mutual Insurance Co. 8/16/18 10.300
Allied Property and Casualty Insurance Co. 8/16/18 10.000
Allied Property and Casualty Insurance Co. 8/16/18 9.600
Depositors Insurance Co. 8/16/18 5.000
Depositors Insurance Co. 8/16/18 4.800
Nationwide Affinity Insurance Co. of America 8/16/18 10.400
Nationwide Property and Casualty Insurance Co. 8/16/18 3.500
MGA Insurance Co. 6/30/18 8.800
MGA Insurance Co. 6/30/18 5.500
Safeco Insurance Co. of Illinois,

Safeco Insurance Co. of Indiana

6/16/18 (0.010)
ACCC Insurance Co. 6/15/18 2.300
ACCC Insurance Co. 6/15/18 1.800
IDS Property Casualty Insurance Co. 5/27/18 9.200
Chubb National Insurance Co.,

Federal Insurance Co.,

Great Northern Insurance Co.,

Pacific Indemnity Co.,

Vigilant Insurance Co.

5/21/18 14.900
Hartford Insurance Co. of the Midwest 5/19/18 2.000
Economy Fire and Casualty Co.,

Economy Preferred Insurance Co.

5/18/18 17.400
Economy Fire and Casualty Co.,

Economy Preferred Insurance Co.

5/18/18 13.300
Bankers Standard Insurance Co. 5/8/18 9.900
Direct General Insurance Co. 5/6/18 10.500
Direct General Insurance Co. 5/6/18 10.200
ACCC Insurance Co. 5/1/18 12.000
Source: S&P Global Market Intelligence

Georgia car insurance rates after accidents & speeding tickets

Accidents, claims and tickets can all lead to a rate increase and make it harder to get cheap car insurance. We analyzed premiums reported by EverQuote users in Georgia who had an accident or speeding ticket on their records compared to those with clean records. Here are the average rate differences.

On driving record Average monthly premium difference vs. clean record in Georgia
Speeding ticket 33%
Accident 41%
Source: EverQuote. See full methodology below.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Georgia drivers are speeding and using their phones while driving.


Georgia car insurance rates by city

We also compiled Georgia car insurance rates reported by EverQuote users in various cities. Drivers in Cumming reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Cumming $123
Athens $129
Dallas $135
Gainesville $135.50
Warner Robins $136
Roswell $140
Alpharetta $141
Columbus $141.31
Augusta $143.50
Duluth $145
Savannah $146
Stockbridge $147
Kennesaw $147
Powder Springs $148
Acworth $149
Marietta $150
Smyrna $150
Macon $150
Newnan $150.50
McDonough $151
Albany $151
Austell $151.50
Covington $152
Lawrenceville $153
Norcross $155
Jonesboro $155.50
Conyers $158
Douglasville $158.50
Atlanta $159
Decatur $166.50
Snellville $166.50
Riverdale $167
Stone Mountain $168
Lithonia $175
Union City $175
Ellenwood $175.50
Morrow $178
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Georgia

You'll typically get the best rates by comparing prices and your driving record clean.

Also:

  • Ask your agent to review the possible car insurance discounts.
  • If you're buying a new car, consider these cheapest cars to insure.
  • Find out how much you can save by increasing the deductible on collision and comprehensive coverage, if you buy them.
  • Improve your credit. Insurers often use a credit-based insurance score when determining rates. 

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 30, 2018

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