Cheap Car Insurance in Georgia for 2022

Georgia is the 24th biggest state in the U.S. and is the 8th largest by population size, with a population of just over 10 million.

Of those people, over 7.9 million are registered drivers. Apart from major cities like Atlanta, Savannah, and Macon, most of the state is rural so if you want to get around, you’ll need a car.

In the state, the average cost of car insurance is $1,638 per year, making it one of the most expensive states in the U.S. for auto insurance.

The reasons for this include:

• A high risk of weather-related damage.
• The high cost of car repairs.
• A high risk of theft in major cities.
• Unlike some states, Georgia doesn’t place a cap on premium increases. This means car insurance companies can raise your auto insurance rates at any point, for any reason.

Although car insurance is expensive, it doesn’t mean that it’s impossible to find affordable coverage in Georgia.

To make sure you’re getting the best rate on car insurance possible, you should compare quotes from various insurers.

This can be time-consuming, so we’ve done the hard work and compared the cost of car insurance from different providers in these five counties:

• Fulton County.
• Gwinnett County.
• Cobb County.
• DeKalb County.
• Chatham County.

How Your Auto Insurance Rates Are Calculated

If you ask your friends and family how much they’re paying for car insurance, you’re likely to get a wide variety of answers—even if you’re all of a similar age, live in the same city, and drive cars that are similarly priced.

So, why do car insurance rates vary so widely?

Car insurance companies perform a variety of complex calculations to determine your individual risk profile, and this is what decides the cost of your auto insurance rates.

Some key aspects insurers will take into account when calculating your auto insurance rates, include:

• Your age.
• Where you live.
• Your driving history.
• Your credit score.
• Where you park your car.
• The risk of weather-related damage.
• The value of your car.
• The age of your car.
• The coverage you select.
• The deductible you select.

With so many factors that go into deciding how high your rates will be, figuring out what your auto insurance rates will be can be tricky.

To give you an accurate idea of how much your car insurance will cost, we’ve compared the rates of car insurance for these types of drivers:

• Drivers with a clean driving record.
• Young drivers.
• High-risk drivers with a history of driving violations.

Is It Legal to Drive Without Car Insurance in Georgia?

“Car insurance” is a catch-all term that is often used to describe different types of car insurance policies.

To understand what insurance is legally required by Georgia law, it’s important to understand the differences between each type of car insurance.

• Comprehensive coverage: This insurance will compensate you in the event that your car is totaled in a nonaccident-related event (e.g. fire, flood) or if it’s stolen.
• Collision coverage: This insurance will compensate you in the event that your car is totaled or damaged in a car accident.
• Liability insurance: This insurance will compensate a third party on your behalf if you cause injury/death to another person or damage their property while driving.
• Uninsured motorist coverage: This insurance will cover you for bodily injury, work compensation, and medical bills if you are in an accident with an uninsured driver.

Georgia law states that it is illegal to drive without a liability insurance policy that meets the state’s minimum requirements.

Although comprehensive coverage, collision coverage, and uninsured motorist coverage are optional, they are highly recommended to protect you and your car in the event of an accident, damage, or theft.

In Georgia, the minimum liability insurance requirements are:

• $25,000 bodily injury liability per person.
• $50,000 bodily injury liability per accident.
• $25,000 property damage liability per accident.

All drivers in Georgia have to meet these minimum liability requirements.

If you’re in a car accident and don’t have minimum liability insurance, you will need to pay the other party’s medical bills, lost wages, and repairs to their property from your own pocket.

If you’re found to be driving without liability coverage, you could be subject to these penalties:

• A misdemeanor charge.
• A fine ranging from $200 to $1,000.
• A maximum of 12 months in jail.
• A license suspension ranging from 60 days to 90 days.
• A requirement to carry SR-22 insurance.

To help you find the cheapest rates for minimum liability insurance, we’ve compared the rates offered by various Georgia car insurance companies and found the following:

• The cheapest minimum liability insurance in Georgia is $91.20 from Mile Auto.
• The most expensive minimum liability insurance in Georgia is $257.40 from Insure Max.
• The average cost of minimum liability insurance in Georgia is $196.77.

Get Cheap Full Coverage Car Insurance in Georgia

You aren’t legally required to carry full coverage insurance in Georgia.

If you don’t have full coverage insurance and your car is damaged in any of the following instances, you will need to pay for the repairs or for a replacement vehicle:

• An at-fault accident.
• Theft or theft of car parts.
• Non-crash damage (e.g. natural disasters, fire, flooding).
• A broken windshield.
• Car damage caused by hitting an animal.

A full coverage insurance policy gives you complete peace of mind that you will be reimbursed by your insurance company if the worst happens.

To help you find the best deals on full coverage insurance, we’ve compared the rates offered by six Georgia insurers. We found that:

• The cheapest full coverage car insurance in Georgia is $108.40 from Mile Auto.
• The most expensive full coverage car insurance in Georgia is $290.60 from State Auto.
• The average cost of full coverage car insurance in Georgia is $215.53.

Cheap Car Insurance in Georgia for Drivers with Clean Driving Records

Many car insurance companies offer lower rates for good drivers. This is because good drivers are less likely to make a claim on their insurance policy.

Good drivers are drivers who:

• Have not been found at-fault in a car accident.
• Do not have speeding tickets.
• Do not have any reckless driving charges.
• Have no DUI or DWI convictions.
• Have a good credit score.

To help good drivers find the best deals on car insurance, we’ve compared the premiums offered by car insurance companies in Georgia. We found that:

• The cheapest car insurance coverage for good drivers in Georgia is $108.40 from Mile Auto.
• The most expensive car insurance coverage for good drivers in Georgia is $373.80 from Infinity.
• The average cost of car insurance for good drivers in Georgia is $223.30.

Cheap Car Insurance in Georgia for High-Risk Drivers

If you’re considered to be a high-risk driver, finding affordable car insurance can be difficult.

Many insurers refuse to provide coverage for high-risk drivers, and insurance companies that do offer coverage usually do so at a more expensive premium.

High-risk drivers are those who:

• Are required to carry SR-22 insurance.
• Have a DUI conviction.
• Have a reckless driving charge.
• Have multiple speeding tickets.
• Have a high number of points on their driving record.
• Have been caught driving without insurance.
• Have a poor credit score.

Although finding cheap insurance for high-risk drivers can be difficult, it’s not impossible. We’ve compared quotes from six insurance companies in Georgia to help you find the best deals:

• The cheapest car insurance coverage for high-risk drivers is $238 from Mercury.
• The most expensive car insurance coverage for high-risk drivers is $427.75 from Elephant.
• The average car insurance rate for high-risk drivers is $384.99.

Cheapest Car Insurance in Georgia for Young Drivers

Any 15, 16, or 17 year-old who wants to get their driver’s license in Georgia is required to pass an approved Driver Education Class.

These classes are a legal requirement, but they could also help young drivers get cheaper insurance rates.

Young drivers usually pay higher rates for auto insurance because they’re less experienced on the roads.

We’ve looked at the average rates offered by four Georgia car insurance companies to help young drivers find the cheapest insurance available.

We found that:

• The cheapest car insurance coverage for young drivers is $242.20 from Mile Auto.
• The most expensive car insurance coverage for young drivers is $633.75 from InsureMax.
• The average car insurance rate for young drivers in Georgia is $476.10.

Looking for Cheap Car Insurance in Another State?

Most states in the U.S. require you to register your car and insurance in the same state you live in.

If your car is registered in Georgia and you move to another state, you will need to find a new car insurance company to cover you.

There are a few specific scenarios where your car can be registered in one state while you live in another. This provision only applies to:

• Out-of-state college students.
• Active-duty military service members.
• Those who split their time evenly between two states.

Once you move, your car insurance company will usually give you a 90-day grace period to cancel your car insurance and find new car insurance.

If you’re looking for car insurance in other states, read these articles below:

Top Auto Insurance Companies in Georgia

1. Mile Auto

Mile Auto offers per-mile insurance, so the less you drive, the lower your auto insurance rates will be.

This benefits drivers who travel short distances each month with insurance savings of up to 40%, but it may become expensive for drivers who drive 10,000 miles or more annually.

Mile Auto is available to motorists in Arizona, California, Georgia, Illinois, Ohio, Oregon, Pennsylvania, and Texas.

Some of the car insurance add-ons Mile Auto offers, include:

• Bodily injury liability.
• Property damage liability.
• Personal injury protection (PIP) or medical payments coverage.
• Comprehensive and collision coverage.
• Rental car reimbursement.
• Roadside assistance.

2. Mercury

Founded in 1961, Mercury offers various insurance products to customers in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

Mercury has a network of almost 10,000 agents and a 24/7 app that enables you to virtually manage your insurance policies.

This flexible offering is ideal for both drivers who want to talk to a live insurance agent and those who want to manage their policies completely online.

Mercury offers the following benefits and add-ons to customize your car insurance policy:

• Coverage for rideshare drivers.
• 24/7 roadside assistance.
• Rental car benefit.
• Multi-car discount.
• Multi-policy discount.
• Pay-in-full premium discount.
• Good driver discount.
• Discounts for anti-theft and safety devices.
• Discounts for tracking your driving via the MercuryGo app.

3. AssuranceAmerica

AssuranceAmerica was founded in 1998 to offer basic, low limits property and casualty insurance coverage to drivers in ten states: Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia.

With a network of over 4,000 agents, AssuranceAmerica prides itself on building long-lasting client relationships and providing coverage at affordable prices.

AssuranceAmerica is an ideal budget-friendly option for drivers who:

• Have been convicted of a DUI.
• Carry SR-22 insurance.
• Are classified as high-risk to insure.

Georgia Car Insurance FAQs

Do I need to have car insurance in the state of Georgia?

In Georgia, full coverage car insurance is not a legal requirement. However, it is illegal to drive without a liability insurance policy that meets the state’s minimum requirements.

In Georgia, the minimum liability insurance requirements are:

• $25,000 bodily injury liability per person.
• $50,000 bodily injury liability per accident.
• $25,000 property damage liability per accident.

All drivers in Georgia have to meet these minimum liability requirements. If you’re found to be driving without liability coverage, you could be subject to these penalties:

• A misdemeanor charge.
• A fine ranging from $200 to $1,000.
• A maximum of 12 months in jail.
• A license suspension ranging from 60 days to 90 days.
• A requirement to carry SR-22 insurance.

Is car insurance expensive in Georgia?

In the state, the average cost of car insurance is $1,638 per year, making it one of the most expensive states in the U.S. for auto insurance. The reasons for this include:

• A high risk of weather-related damage.
• The high cost of car repairs.
• A high risk of theft in major cities.
• Unlike some states, Georgia doesn’t place a cap on premium increases. This means car insurance companies can raise your auto insurance rates at any point, for any reason.

Although car insurance is expensive, it doesn’t mean that it’s impossible to find affordable coverage in Georgia.

Which auto insurance company offers the cheapest car insurance in Georgia?

To help you find the best deals on full coverage car insurance, we’ve compared the rates offered by Georgia insurance companies. Our research shows the following:

• The cheapest full coverage car insurance in Georgia is $108.40 from Mile Auto.
• The most expensive full coverage car insurance in Georgia is $290.60 from State Auto.
• The average cost of full coverage car insurance in Georgia is $215.53.