Car insurance quotes in Georgia
Car insurance in Georgia costs $1,421 for a 6-month policy — 22% more expensive than the national average rate.[1] Georgia Farm Bureau offers full coverage insurance for around $123/month, which is the cheapest we found in our research.
According to our data, 49% of drivers in Georgia believe they are overpaying for car insurance.[2] While not always recommended, Georgia drivers looking for the cheapest coverage can drop to liability coverage for $584 for a 6-month policy.
Our agents and insurance experts analyzed Georgia car insurance quotes across different coverage levels, driving histories, and companies to find the best policy for you. Continue reading to find out how much auto insurance costs in Georgia so you know what’s fair for your situation.
Best customer service in GA
- Erie Insurance scored 718 (7.6% above average) in J.D. Power’s latest auto study — the highest in Georgia.[3]
See more of the best companies in GA ↓
Cheapest full coverage in GA
- Georgia Farm Bureau offers the cheapest full coverage in Georgia at $123/mo.
See more full coverage companies in GA ↓
Cheapest liability coverage in GA
- Georgia Farm Bureau offers the cheapest liability coverage in Georgia at $49/mo.
See more minimum coverage companies in GA ↓
What are the best car insurance companies in Georgia?
We’ve named Erie Insurance as Georgia’s top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
Cheap full coverage insurance in Georgia
In 2026, the average cost of full coverage insurance in Georgia is $1,421 for a six-month policy. Full coverage is a popular choice here, with 49% of The Zebra’s Georgia customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Georgia Farm Bureau — they’re known for offering some of the most competitive rates in the state.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Georgia Farm Bureau | $738 | $123 |
| USAA | $1,279 | $213 |
| Progressive | $1,371 | $229 |
| Encompass | $1,418 | $236 |
| Country | $1,499 | $250 |
| Safeway | $1,561 | $260 |
| Allstate | $1,700 | $283 |
| State Farm | $1,772 | $295 |
| GEICO | $1,913 | $319 |
Local insights
Drivers near you in Georgia weigh in
“I dropped USAA after 25 years because the price tag got utterly insane. I’m with GEICO now. 3 cars, 3 drivers, full coverage only $277/month”
-Reddit user on r/Georgia
“I pay every 6 months, combined with homeowners through State Farm. $715, no accidents or tickets, only one ($0) glass claim. 2021 Chevy Blazer, I’m 28. ”
-Reddit user on r/Georgia
Cheap liability insurance in Georgia
The average cost for liability insurance in Georgia is $584 for a 6-month policy.[1] For our user profile, Georgia Farm Bureau offers the most affordable liability insurance options in the state.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Georgia, a full coverage insurance policy with a $500 deductible costs $1,421, considerably more than liability-only car insurance.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Georgia Farm Bureau | $297 | $49 |
| GEICO | $433 | $72 |
| Auto-Owners | $478 | $80 |
| USAA | $499 | $83 |
| Progressive | $525 | $87 |
| Encompass | $570 | $95 |
| Country | $684 | $114 |
| State Farm | $782 | $130 |
| Safeway | $841 | $140 |
| Allstate | $924 | $154 |
Source: The Zebra
According to our data, 51% of Georgia drivers carry only the state-required liability coverage.[2] In Georgia, the law mandates minimum liability limits of . Learn more about car insurance requirements in the state of Georgia with our helpful guide.
If you’re in Georgia, there’s a behind-the-scenes system working to make sure drivers stay insured. The state uses the Georgia Electronic Insurance Compliance System (GEICS), which allows law enforcement and the DMV to verify your coverage in real time. Instead of relying only on a paper insurance card, insurers regularly report policy data directly to the state — so even a short lapse in coverage can be flagged quickly.[4]
This system helps reduce the number of uninsured drivers on the road, but it also means you’ll want to be careful about gaps in your policy. If your coverage lapses, you could face fines, reinstatement fees, or even a suspension of your vehicle registration
Car insurance in popular Georgia cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one. The cheapest car insurance is found in Dalton, Georgia, and the most expensive in Atlanta, Georgia.
Have a look at the table below to see average car insurance costs in some of Georgia biggest cities.
Georgia auto insurance quotes after an accident or ticket
Finding affordable car insurance in Georgia following an accident can be challenging. Insurers evaluate past accidents and tickets to determine the risk you present as a policyholder.
Here’s what leading insurance providers in Georgia might charge you after being at fault in an accident.
| Company | No violations | With at-fault accident |
|---|---|---|
| Encompass | $1,430 | $2,106 |
| Country | $1,512 | $2,045 |
| Mercury | $1,882 | $3,580 |
| Progressive | $1,164 | $1,821 |
| Auto-Owners | $1,182 | $1,717 |
| GEICO | $1,923 | $2,544 |
| Georgia Farm Bureau | $731 | $895 |
| State Farm | $1,757 | $2,403 |
| MetLife | $1,172 | $1,922 |
| Allstate | $1,659 | $2,653 |
| Safeway | $1,420 | $1,939 |
| USAA | $1,120 | $1,621 |
The Zebra’s guide to Georgia car insurance laws for high-risk drivers
For high-risk drivers in Georgia with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Georgia’s insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How have car insurance costs in Georgia changed?
Georgia’s auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around — insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium |
|---|---|
| 2026 | $2,843 |
| 2025 | $2,847 |
| 2024 | $2,039 |
| 2023 | $1,874 |
| 2022 | $1,982 |
| 2021 | $1,535 |
| 2020 | $1,539 |
| 2019 | $1,604 |
| 2018 | $1,594 |
| 2017 | $1,442 |
| 2016 | $1,302 |
| 2015 | $1,161 |
