Cheapest Car Insurance in Georgia: Your 2025 Guide

Find cheap car insurance in Georgia (GA) with our 2025 guide. We've done all the research and analysis so you can easily compare rates for various car insurance providers in GA and save hundreds of dollars every year.

We provide details on the cheapest Georgia car insurance based on driver profile and records, including teen drivers, seniors, high-risk drivers, and more.

Auto insurance in Georgia slightly exceeds the national average. This is why Georgia drivers are often on the lookout for the best deals on car insurance.

In this guide, we give you the cheapest auto insurance options in Georgia for various driver profiles, coverage levels, and specific circumstances. We use data from multiple sources to provide a comprehensive overview and help you find the best rates.

Average Cost of Car Insurance in Georgia

According to our research, the average annual cost for full coverage car insurance in Georgia is around $2,895, while the minimum coverage averages at $1,029 per year. These costs can vary based on several factors, including driving history, credit score, and age.

Cheapest Car Insurance Companies in Georgia

Based on a comprehensive analysis, we've found that USAA offers the cheapest full coverage auto insurance in Georgia, averaging at $1,990 per year.

Note: USAA is available only to military members, veterans, and their families.

That means Geico is the cheapest car insurance company in Georgia for general drivers with full coverage at an average rate of $2,147 per year, and the lowest minimum coverage at $587.

Other companies that stand out with affordable car insurance rates in GA include:

Cheapest Auto Insurance Rates in Georgia: Minimum Coverage

For drivers looking for minimum auto insurance coverage, which includes liability insurance for bodily injury and property damage, several insurers offer competitive rates:

Minimum Auto Insurance Requirements in Georgia

Based on information from the Office of Insurance and Safety Fire Commissioner, the minimum required car insurance coverage in Georgia is as follows:

1. Liability Coverage

A type of auto insurance that pays for the costs of injuries and property damage you cause to others in an accident. It includes:

Bodily Injury Liability: This covers medical expenses, lost wages, legal fees if you're sued, and other costs for people injured in an accident that you caused.

• $25,000 for injury or death to one person in an accident.
• $50,000 for injury or death to two or more people in a single accident.

Property Damage Liability: This covers the cost to repair or replace property (such as vehicles, buildings, or fences) that you damage in an accident you caused. Property damage liability doesn't cover damage to your own vehicle.

• $25,000 for damage to another person's property in an accident.

This is often referred to as 25/50/25 coverage. Note that these are the mandatory minimums you'll need to legally drive a vehicle in Georgia, the Peach State. Failure to adhere to these minimum requirements can result in suspension of your driver's license for months.

2. Uninsured Motorists/Underinsured Motorist Coverage (UM/UIM)

This is an optional additional coverage that protects you if you're involved in an accident with an uninsured driver who either doesn't have insurance or doesn’t have enough coverage to fully pay for your damages (underinsured).

This coverage pays for medical bills associated with your own injuries, vehicle repairs, and other expenses that the at-fault driver’s insurance can’t cover. There are key legal requirements regarding UM/UIM coverage in Georgia:

• Required Offer: Georgia law requires all insurance companies to offer underinsured and uninsured motorist coverage to policyholders.
• Written Rejection: A driver must actively reject this coverage in writing. If they don't, it's usually included by default in the same amounts (25/50/25) as the liability insurance. i.e. $25,000/$50,000 for bodily injury liability coverage and $25,000 for property damage.

UM/UIM coverage is highly recommended because it protects you and your passengers in case you're involved in an accident caused by a driver who has no insurance or not enough insurance to cover the damages.

Cheapest Car Insurance In Georgia: Full Coverage

Full coverage, which includes both collision and comprehensive insurance along with liability, provides more extensive protection. Here are some of the most affordable car insurance options in GA for full coverage:

*Note: USAA is available only to military members, veterans, and their families.

We often recommend full auto coverage for newer vehicles or those with outstanding loans, as it protects you in more scenarios.

Georgia auto insurance (full coverage) includes the following three components:

1. Liability Coverage (The Legal Minimum): This is the mandatory 25/50/25 coverage noted above.
2. Collision Coverage: It pays for repairs or replacement of your own vehicle if damaged in a collision, regardless of who is at fault. This applies to accidents where you hit another vehicle or a single-vehicle accident, such as hitting a tree or pole.
3. Comprehensive Coverage: This is another optional component. Comprehensive coverage protects your vehicle from non-collision-related damage. This coverage includes insurance from theft and vandalism, damage from natural disasters (hail, floods, fires, etc.), collisions with animals, damage from falling objects (e.g., tree branches), and broken glass.

Note: Different insurance companies provide an assortment of additional optional coverages, like UI/UIM, Medical Payments (MedPay) Coverage, Rental Car Reimbursement, Roadside Assistance, and GAP Insurance. Always shop around to find the best deals that suit your needs.

Cheapest Auto Insurance in Georgia Based on Driver Profile

1. Cheap Car Insurance, GA: Teen Drivers

Young drivers pay the highest insurance premiums when compared to other age groups. Male teens also tend to pay higher premiums than females. As such, teen drivers often need to compare multiple quotes to find the cheapest auto insurance in GA.

Data from our research reveals that USAA has the lowest coverage rates for teens in Georgia, as well as Country Financial. For instance, Country Financial charges 17-year-old female drivers an average minimum amount of $4,146 per year. (See Cheapest Auto Insurance, Georgia by Age table below).

2. Cheap Car Insurance, GA: Young Adults

Young drivers below the age of 25 often face higher insurance premiums due to their lack of experience. However, certain insurers offer more affordable rates as follows:

Most drivers who complete a driving education course can look for good student discounts to help lower car insurance costs in GA.

3. Cheapest Car Insurance, GA: Adults

For adults in Georgia, the average annual car insurance costs in 2025 are approximately $2,895 per year, for full coverage. The minimum coverage average rate is about $1,029 per year. The cheapest insurance companies for adult drivers include USAA and Geico. (See Cheapest Auto Insurance, Georgia by Age table below for comparison).

4. Cheapest Car Insurance, GA: Seniors

Older drivers have lower premiums compared to any other age group. However, rates can increase for those over 70 due to more safety and financial risk factors. Here are some of the cheapest auto insurance options for senior drivers:

Note: USAA is available only to military members, veterans, and their families.

Discounts for low annual mileage and defensive driving courses are often available for seniors.

Cheapest Auto Insurance, Georgia by Age

Source: US News (Cheapest Car Insurance in Georgia for 2025)

Cheapest Car Insurance Rates by Driver’s Record

High-Risk Drivers

Insurers use your driving record to predict your likelihood of getting a traffic violation. High-risk drivers, including those with moving violations like a DUI, at-fault accidents, or poor credit, have higher auto coverage premiums.

However, those with a clean driving record pay a lower sample rate of about $2,462. Traffic violations, like speeding tickets, can skyrocket your auto insurance premiums by the hundreds.

Insurers cover other incidents as follows:

High-risk drivers should consider shopping around and exploring options such as non-standard insurance companies that cater to this demographic.

Cheapest Car Insurance in Georgia Based on Credit History

Some insurers use your credit history to determine your auto coverage costs. Georgia drivers with poor credit often pay more than those with good credit.

Source: USNews (Cheapest Car Insurance in Georgia for 2025)

Factors Affecting Car Insurance Rates in Georgia

Auto insurance in Georgia is influenced by a variety of factors, including:

1. Location: Cities like Atlanta tend to have higher average rates, while rural areas like the Blue Ridge Mountains have lower premiums. This is due to the higher incident rate of traffic violations and car accidents in cities.
2. Driving History: A clean driving history often results in lower premiums, while violations and accidents can significantly increase rates.
3. Credit Score: Insurers often use credit scores to assess risk, with higher scores typically resulting in lower premiums.
4. Vehicle Type: The make and model of your vehicle, as well as its age and safety features, can impact the costs of your auto insurance.

Tips for Saving on Car Insurance in Georgia

• Compare Quotes: Shopping around and comparing quotes from multiple insurers can help you find the right prices and the best deals.
• Take Advantage of Discounts: Look for discounts such as multi-policy, good driver, low mileage, safety feature discounts, and good student discounts.
• Adjust Coverage Levels: Consider your needs and adjust coverage levels accordingly, but avoid being underinsured.
• Improve Credit: Simple steps like paying off outstanding debts and reducing credit card balances will improve your credit score, which could lead to lower car insurance premiums.
• Consider a Higher Deductible: Increasing the amount you pay out of pocket before your insurance kicks in is another way to lower your monthly premium. Keep in mind that while this lowers your premium, it also means you'll pay more in the event of a claim.
• Drive Safely and Maintain a Clean Driving Record: Maintain a clean record by practicing good driving behavior and avoiding accidents, speeding tickets, or other violations.
• Review Your Policy Regularly: Your insurance needs may change over time. It's good to review and customize policies annually to ensure you're getting the best rates.

Frequently Asked Questions

Who Has the Lowest Car Insurance Rates in Georgia?

Car insurance rates in Georgia, the Peach State, vary. USAA, State Farm, GEICO, and Progressive are often the most affordable solutions for Georgia drivers.

How Can I Lower My Car Insurance Costs in Georgia?

You can lower costs in GA by comparing quotes to find cheap car insurance, increasing deductibles, bundling policies, and maintaining a good credit score.

What is the Minimum Car Insurance in GA?

The minimum auto insurance requirements in Georgia are 25/50/25 liability coverage. That is, $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage liability coverage.

Why is Georgia Car Insurance So Expensive?

Georgia car insurance premiums are high due to heavy traffic, high accident rates, and costly repairs and medical claims in the state.

Why Does Poor Credit Affect My Auto Insurance Rates?

Insurance companies often use credit scores as a factor in determining premiums because they believe that individuals with poor credit are more likely to file claims. As shown in the table, the full coverage cost for those with poor credit is notably higher, with some companies charging over $3,000 annually.

Can I Lower My Insurance Premiums After An At-Fault Accident or DUI?

Yes, there are several ways to potentially lower your insurance premiums after an at-fault accident or DUI and save hundreds of bucks. You can look for discounts, consider increasing your deductible, or take a defensive driving course. Shopping around and comparing quotes from different insurers can also help you find more affordable rates.