Cheapest Car Insurance Quotes in Georgia (Best Rates in 2026)
Farm Bureau is the cheapest car insurance company in Georgia, at $134 per month for full coverage. That's about $50 per month cheaper than the state average.
Find Cheap Auto Insurance Quotes in Georgia
Best cheap car insurance in Georgia
Best and cheapest car insurance in Georgia
- Cheapest full coverage: Farm Bureau, $134/mo
- Cheapest minimum liability: Farm Bureau, $55/mo
- Cheapest for young drivers: Farm Bureau, $182/mo
- Cheapest after a ticket: Farm Bureau, $147/mo
- Cheapest after an accident: Farm Bureau, $147/mo
- Cheapest for teens after a ticket: Farm Bureau, $200/mo
- Cheapest after a DUI: Progressive, $240/mo
- Cheapest for poor credit: Farm Bureau, $134/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farm Bureau is the best choice for most Georgia drivers because it has great customer service, along with the cheapest rates for most people.
Cheapest car insurance in GA: Farm Bureau
Farm Bureau has the cheapest full coverage insurance in Georgia.
Find Cheap Auto Insurance Quotes in Georgia
- Georgia Farm Bureau's insurance costs $134 per month, on average. That's 27% cheaper than the statewide average of $184 per month.
- USAA also offers very affordable full coverage insurance in Georgia, at $148 per month. But it's only available to military members, veterans and some of their family members.
Cheapest full coverage car insurance in Georgia
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $134 |
| Progressive | $153 |
| Auto-Owners | $190 |
| Geico | $195 |
| State Farm | $285 |
*USAA is only available to current and former military members and their families.
Data-powered research on Georgia car insurance
| Data-powered research on GA car insurance |
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Best cheap liability-only car insurance in Georgia: Farm Bureau
Farm Bureau has the cheapest quotes for liability-only auto insurance in Georgia.
At an average of $55 per month, coverage from Farm Bureau costs $21 per month less than the state average.
Cheap liability quotes in GA
Company | Monthly rate |
|---|---|
| Farm Bureau | $55 |
| Auto-Owners | $63 |
| Geico | $69 |
| Progressive | $72 |
| State Farm | $139 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Georgia
Best cheap car insurance in GA for young drivers: Farm Bureau
Farm Bureau offers the most affordable rates for teen drivers in Georgia.
A liability-only policy from Farm Bureau costs around $182 per month for an 18-year-old driver. That's one-third less than the Georgia average of $276 per month.
Farm Bureau also has the cheapest full coverage rates for teens. At an average of $431 per month, full coverage from Farm Bureau costs $165 per month less than the state average.
Drivers with military ties can get even cheaper rates at USAA. But it's only available if you're a military member or veteran, you have a parent with USAA coverage or you have certain other military connections.
Affordable GA insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $182 | $431 |
| Auto-Owners | $251 | $529 |
| Geico | $266 | $638 |
| Progressive | $323 | $750 |
| State Farm | $484 | $891 |
*USAA is only available to current and former military members and their families.
Auto insurance quotes in Georgia are typically more than three times higher for an 18-year-old driver than for a 30-year-old driver. That's because young drivers have less experience, so on average, they're more likely to cause an accident.
Younger drivers can save hundreds of dollars on car insurance if they share a policy with a parent.
Cheap auto insurance in GA after a ticket: Farm Bureau
Farm Bureau has the cheapest full coverage insurance in Georgia for drivers with a speeding ticket, at $147 per month. That's $64 per month less than the statewide average.
Best cheap insurance in GA after a speeding ticket
Company | Monthly rate |
|---|---|
| Farm Bureau | $147 |
| Auto-Owners | $190 |
| Progressive | $200 |
| Geico | $236 |
| State Farm | $306 |
*USAA is only available to current and former military members and their families.
On average, Georgia drivers with a speeding ticket pay 14% more for full coverage insurance than drivers with a clean record. That's because insurance companies believe drivers with a ticket are more likely to cause an accident in the future.
Cheap Georgia car insurance after an accident: Farm Bureau
Farm Bureau has the cheapest quotes in Georgia after an accident. Full coverage insurance from Farm Bureau costs $147 per month, on average. That's $101 per month less than the average cost of car insurance after an accident in Georgia.
Affordable car insurance in GA after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $147 |
| Progressive | $227 |
| Auto-Owners | $270 |
| State Farm | $285 |
| Geico | $347 |
*USAA is only available to current and former military members and their families.
In Georgia, rates go up by an average of 35% after an at-fault accident. That's because insurance companies think drivers with one accident on their record are more likely to get in another accident.
Cheapest for teens after a ticket or accident: Farm Bureau
Farm Bureau has the cheapest liability-only quotes for young drivers in Georgia with a recent speeding ticket or accident. The average rate for both is $200 per month. That's less than one-third the average cost of insurance for teens with bad driving records in Georgia.
Best car insurance for 18-year-olds after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $200 | $200 |
| Auto-Owners | $251 | $401 |
| Geico | $314 | $369 |
| Progressive | $335 | $360 |
| State Farm | $526 | $484 |
*USAA is only available to current and former military members and their families.
Young drivers in Georgia can expect their car insurance rates to go up by 13% after a speeding ticket or 26% after an at-fault car accident, on average. This is a smaller increase than adults typically see after a ticket or accident because teens are already considered high-risk, even with a clean record.
Best car insurance quotes in GA after a DUI: Progressive
Progressive has the best low-cost auto insurance in Georgia for drivers with a DUI. A full coverage policy from Progressive costs $240 per month after one DUI, which is $183 per month less than the state average.
Affordable auto insurance in Georgia after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $240 |
| Farm Bureau | $261 |
| Auto-Owners | $358 |
| Geico | $581 |
| State Farm | $799 |
*USAA is only available to current and former military members and their families.
Driving under the influence raises your insurance rates more than almost any other ticket. Car insurance prices more than double in Georgia after a DUI.
In addition, Georgia drivers with a DUI may need SR-22 insurance. An SR-22 filing typically costs between $15 and $50, on top of the increase in your insurance rates.
Cheap insurance in GA for drivers with poor credit: Farm Bureau
Farm Bureau offers the cheapest Georgia car insurance quotes for drivers with low credit scores. At an average of $134 per month for a full coverage policy, Farm Bureau's rate is two-thirds less than the state average of $421 per month.
Cheapest GA car insurance quotes for poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $134 |
| Progressive | $254 |
| Geico | $280 |
| Auto-Owners | $494 |
| State Farm | $1,090 |
*USAA is only available to current and former military members and their families.
Georgia drivers with poor credit pay more than double what people with good credit scores pay for full coverage insurance.
Having a poor credit score doesn't necessarily mean you're a bad driver. But, it does impact your car insurance rates in Georgia. That's because car insurance companies believe that people with low credit scores make more claims than drivers with high credit scores.
Best car insurance in Georgia
USAA is the best car insurance company in Georgia because of its excellent customer service and affordable rates.
However, USAA is only available to military members, veterans and some of their family members.
Farm Bureau is the best choice for Georgia drivers who can't get USAA insurance. Farm Bureau offers a great mix of dependable customer service and affordable rates.
Top car insurance companies in Georgia
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Auto-Owners | 638 | A+ | |
| Geico | 645 | A++ |
Drivers in Georgia can also find reliable customer service from State Farm. However, State Farm is typically much more expensive than Farm Bureau and USAA.
Average car insurance cost in Georgia by city
Kings Bay Base, a Naval Submarine Base near Cumberland Island, has the cheapest auto insurance in GA.
A full coverage policy at Kings Bay Base costs an average of $159 per month.
Pine Lake, a small city in the Atlanta metro area, has the most expensive rates in the state. At $318 per month, a full coverage policy in Pine Lake costs twice what drivers at Kings Bay Base pay for insurance. This is in part because Pine Lake has more property crime than other parts of Georgia.
Monthly car insurance rates in Georgia by city
City | Monthly rate | % from average |
|---|---|---|
| Abbeville | $185 | 0% |
| Acworth | $212 | 15% |
| Adairsville | $199 | 8% |
| Adel | $168 | -9% |
| Adrian | $192 | 4% |
Cheap car insurance in GA by driver type
Farm Bureau is the cheapest car insurance company for most drivers in Georgia.
Driver type | Cheapest company |
Monthly cost in GA
|
|---|---|---|
| Cheapest minimum coverage | Farm Bureau | $55 (28% savings) |
| Cheapest for a safe driver | Farm Bureau | $134 (27% savings) |
| Cheapest for poor credit | Farm Bureau | $134 (68% savings) |
| Cheapest after a ticket | Farm Bureau | $147 (30% savings) |
| Cheapest after an accident | Farm Bureau | $147 (41% savings) |
| Cheapest for teens | Farm Bureau | $182 (34% savings) |
| Cheapest after a DUI | Progressive | $240 (43% savings) |
Georgia liability insurance requirements
Georgia drivers need to have a minimum amount of liability insurance to avoid penalties. This is sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000
What's the best car insurance to get in Georgia?
Full coverage is the best insurance for most people, despite the extra cost.
That's because full coverage insurance includes comprehensive and collision coverage, which pay for damage to your car in nearly any kind of accident.
Most lenders require you to have full coverage insurance if you have a car loan or lease. Plus, it's a good idea to get full coverage car insurance if your car is worth more than $5,000 or is newer than 8 years old.
Most drivers should also get more liability insurance than the state of Georgia requires. That's because the minimum required limits may not be enough to cover the cost of a serious accident.
For example, if you crash into and total a new Audi, $25,000 probably won't be enough money to replace it.
Frequently asked questions
What is the cheapest car insurance in GA?
Farm Bureau has the cheapest car insurance in Georgia in 2026, at $55 per month for minimum coverage and $134 per month for full coverage. Some people can save as much as 28% by choosing Farm Bureau, compared to the state average. But shopping around can help you find the best deal for your situation.
How much is car insurance in Georgia?
The average cost of car insurance in Georgia is $184 per month for a full coverage policy. The average cost for a minimum liability policy is $77 per month.
Why is car insurance so expensive in Georgia?
Full coverage car insurance in Georgia is only 4% more expensive than the national average. But its minimum liability rates are 16% more expensive than average. This is partially because Georgia has more car accidents than many other states.
How can I lower my car insurance in Georgia?
The best way to lower your car insurance rates is by comparing quotes from multiple companies. In Georgia, there's a difference of $151 per month between the most and least expensive full coverage car insurance. That could add up to a savings of over $1,800 per year.
You can also save money by asking about discounts and adjusting your car insurance coverage and deductible.
What is the minimum car insurance required in Georgia?
Georgia drivers need at least $25,000 of bodily injury liability coverage per person and $50,000 per accident. You also need at least $25,000 of property damage liability coverage. Georgia does not require personal injury protection or uninsured motorist coverage.
Methodology
To find the best cheap auto insurance in GA, ValuePenguin collected thousands of quotes from ZIP codes across Georgia from some of the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit and a clean driving record who owns a 2018 Honda Civic EX.
Full coverage quotes include:
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $50,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- Collision and comprehensive coverage with a $500 deductible
Rate data for this study was collected from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
