Searching for the cheapest car insurance in Georgia?
Some key aspects insurers will take into account when calculating your auto insurance rates, include:
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:
All About Georgia
Check out CheapInsurance.com’s comparison of auto insurance coverage rates to find a great deal. 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.
- Fulton County.
- Gwinnett County.
- Cobb County.
- DeKalb County.
- Chatham County.
| Key Point: Auto Insurance Rates When you sign a contract with a car insurance company, you agree to pay a certain amount monthly in exchange for coverage. This is called your “auto insurance rate” or “auto insurance premium”. |
- 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.
- 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.
- $25,000 bodily injury liability per person.
- $50,000 bodily injury liability per accident.
- $25,000 property damage liability per accident.
- 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.
- 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.
| Provider | Fulton County | Gwinnett County | Cobb County | DeKalb County | Chatham County | Average |
| Mile Auto | $104.00 | $89.00 | $85.00 | $106.00 | $72.00 | $91.20 |
| Mercury | $147.00 | $122.00 | $123.00 | $158.00 | $96.00 | $129.20 |
| State Auto | $261.00 | $218.00 | $200.00 | $262.00 | $179.00 | $224.00 |
| AssuranceAmerica | $252.00 | $213.00 | $201.00 | $352.00 | $245.00 | $252.60 |
| InsureMax | $235.00 | $223.00 | $209.00 | $365.00 | $255.00 | $257.40 |
| Midvale | $243.00 | $228.00 | $226.00 | $232.00 | $202.00 | $226.20 |
- 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.
- 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.
| Provider | Fulton County | Gwinnett County | Cobb County | DeKalb County | Chatham County | Average |
| Mercury | $199.00 | $166.00 | $167.00 | $224.00 | $127.00 | $176.60 |
| Travelers | $267.00 | $265.00 | $235.00 | $279.00 | $215.00 | $252.20 |
| State Auto | $340.00 | $282.00 | $257.00 | $345.00 | $229.00 | $290.60 |
| Nationwide | – | $207.00 | – | – | – | $207.00 |
| Mile Auto | $125.00 | $104.00 | $101.00 | $127.00 | $85.00 | $108.40 |
| Midvale | $292.00 | $259.00 | $256.00 | $258.00 | $227.00 | $258.40 |
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.
- 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.
| Provider | Fulton County | Gwinnett County | Cobb County | DeKalb County | Chatham County | Average |
| Mercury | $164.00 | $137.00 | $138.00 | $179.00 | $108.00 | $145.20 |
| Travelers | $228.00 | $223.00 | $202.00 | $238.00 | $187.00 | $215.60 |
| State Auto | $297.00 | $248.00 | $227.00 | $300.00 | $202.00 | $254.80 |
| Mile Auto | $125.00 | $104.00 | $101.00 | $127.00 | $85.00 | $108.40 |
| Midvale | $268.00 | $238.00 | $235.00 | $242.00 | $227.00 | $242.00 |
| Infinity | $403.00 | $279.00 | $307.00 | $536.00 | $344.00 | $373.80 |
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.
- 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.
| Provider | Fulton County | Gwinnett County | Cobb County | DeKalb County | Chatham County | Average |
| Mercury | $267.00 | $226.00 | $228.00 | $296.00 | $173.00 | $238.00 |
| AssuranceAmerica | – | $279.00 | $263.00 | $463.00 | $305.00 | $327.50 |
| InsureMax | – | $315.00 | $295.00 | $520.00 | $344.00 | $368.50 |
| Elephant | – | $387.00 | $409.00 | $558.00 | $357.00 | $427.75 |
| The General | $577.00 | $384.00 | $358.00 | $548.00 | $424.00 | $458.20 |
| Bristol West | $620.00 | $440.00 | $418.00 | $620.00 | $352.00 | $490.00 |
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.
| Provider | Fulton County | Gwinnett County | Cobb County | DeKalb County | Chatham County | Average |
| Mile Auto | $277.00 | $237.00 | $227.00 | $282.00 | $188.00 | $242.20 |
| State Auto | $574.00 | $487.00 | $449.00 | $582.00 | $394.00 | $497.20 |
| AssuranceAmerica | – | $443.00 | $420.00 | $744.00 | $518.00 | $531.25 |
| InsureMax | – | $530.00 | $502.00 | $886.00 | $617.00 | $633.75 |
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.
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.
- 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.
- 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.
Quick Georgia Car Insurance Facts
Ready to hit the road in Georgia? Before you get behind the wheel, check out these important facts about car insurance coverage in your state:
- About 660,000 drivers use cell phones and other electronic devices while driving during daylight hours in Georgia.
- There are more than 3,500,000 registered automobiles on the road in Georgia.
- Insurance cards must be carried in vehicles at all times.
- About 12.4 percent of drivers in Georgia are uninsured.
- There are 7,261,266 licensed drivers on the road in Georgia.
Minimum Georgia Car Insurance Coverage
The State of Georgia requires all drivers to have liability insurance that meets minimum limits to drive on public roads and highways. Auto insurance coverage minimums are as follows:
Bodily injury amount: $25,000 per person and $50,000 per accident
Property damage amount : $25,000 per incident
Getting Cheap Car Insurance In Georgia
Finding affordable, reliable car insurance coverage doesn’t have to be difficult. Follow these tips to find cheap car insurance in Georgia:
- Start with the minimum: Opting for minimum insurance limits will save you money when you’re on a budget.
- Compare lots of insurance firms: Insurance rates vary drastically from one car insurance provider to another, so be sure to shop around.
- Be a defensive driver: Drivers with a good record will get a better coverage rate. So stay on the defense to save money.
- Georgia insurance programs: Some drivers may be eligible for discounted state car insurance programs.
Georgia Car Insurance Discounts
Get a quote to find out if you qualify for car insurance discounts, such as:
Good Driver: Is your driving record free of tickets, citations, and accidents? If so, you may be eligible for a discount on your car insurance premiums.
Good Student: Teen or young adult drivers in Georgia may be able to receive a discount for good grades at high school and college.
FAQ
What is the penalty for driving without insurance in Georgia?
Driving without a license or without insurance are misdemeanors in Georgia. Those caught driving without insurance could be required to pay fines of up to $1,000, spend a year in jail, and/or lose their driver’s license and vehicle registration.
What is driving like in Georgia?
Roughly 12.4 percent of Georgia’s 7,261,266 licensed drivers are uninsured. Car accidents are the leading cause of injury deaths in Georgia, with an average of 1,540 fatalities per year.
How can I save money on my car insurance policy in Georgia?
Save money on your car insurance policy with these strategies:
- Request multi-car discounts when insuring several cars.
- Ask about mature driver and good driver discounts.
- Look for discounted rates when driving a vehicle with airbags, anti-theft devices, or other features.
- Request a payment installment plan.
- Consider a higher deductible for comprehensive and collision coverage.
Other Types of Coverage
Many drivers in Georgia should consider going beyond the minimum state requirements in order to get comprehensive driving coverage. Here are some other popular types of coverage:
Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)
Medical Payments Coverage
Physical Damage Coverage
Additional Kinds of Coverage
Endorsements and Riders
- Towing and road service
- Rental car reimbursement
- Gap insurance
Cities We Cover In Georgia
Cheap car insurance in Georgia isn’t far away. We cover the following cities near you:
- Albany
- Athens- Clarke County
- Atlanta
- Augusta
- Columbus
- Johns Creek
- Macon
- Roswell
- Sandy Springs
- Savannah
