The best cheap car insurance in Georgia

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  • Georgia drivers pay $966 per year, on average, for car insurance premiums.
  • Shopping around for your auto insurance is the best way to save and get the best coverage for your money.
  • GEICO and Georgia Farm Bureau generally offer the best cheap auto insurance in Georgia for all credit levels.
  • See Business Insider's picks for the best affordable car insurance companies.

Car insurance in Georgia is still fairly affordable, as the Insurance Information Institute reports that the average Georgia resident paid about $966 for car insurance. That's just slightly more than the national average of $935 per year.

There are a lot of factors that can change auto insurance premiums, or the amount you'll pay to maintain coverage. Things like your age, gender, the type of car you drive, and even where you live in the state can have a big impact. Every company will look at these factors, and several more, very differently, and will make everyone's quote just a little bit different.

As it is in every state, the best way to get a good deal on car insurance is always to shop around. It's important to make sure that you're getting the best deal for you, so you'll want to get several quotes from different companies and compare them. 

The most popular car insurance companies in Georgia 

The following are the most popular car insurance companies in Georgia, based on the percentage of insured Georgia drivers who use them:

CompanyMarket share (%)
State Farm20.79
Progressive14.12
GEICO13.16
Allstate9.56
USAA*9.25
Liberty Mutual3.77
Auto-Owners Insurance3.47
Travelers3.18
Georgia Farm Bureau2.54
Farmers Insurance2.40
Nationwide1.79
American Family Insurance1.74
COUNTRY Financial1.62
Alfa Mutual Group0.94
AssuranceAmerica0.74
Kemper0.63
MetLife0.59
The Cincinnati Insurance Cos.0.58
Auto Club Insurance Association0.58
First Acceptance0.57
Mercury Insurance0.51
Safeway Insurance0.46
Tiptree Inc.0.45
National General Holdings0.45
Root Insurance Co.0.44

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

The best car insurance in Georgia based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southeast region (which includes Georgia):

  1. Farm Bureau Insurance TN
  2. Erie Insurance
  3. Alfa Insurance
  4. GEICO
  5. Auto-Owners Insurance
  6. North Carolina Farm Bureau
  7. Kentucky Farm Bureau
  8. Region Average
  9. Progressive
  10. Allstate 
  11. Safeco
  12. State Farm
  13. Farmers
  14. National General
  15. Nationwide
  16. Travelers
  17. Liberty Mutual
  18. MetLife

The best cheap car insurance in Georgia  based on credit score

Consumer Reports compiled data from all auto insurance companies in every state, and looked at how their algorithms price premiums. It worked out the average premium for a single driver with three different credit types in Georgia, and found that these three companies had the best rates for each credit category. 

Here are the companies that offer the best cheap car insurance for drivers with excellent credit, FICO scores 800-850, and the average premium for a single adult driver, based on Consumer Reports' data.

  • USAA car insurance: $738 per year
  • GEICO car insurance: $955 per year
  • Georgia Farm Bureau Mutual car insurance: $1,422 per year

For those with good credit, FICO scores 670-739, along with the average premium for a single adult driver:

  • USAA car insurance: $845 per year
  • GEICO car insurance: $1,010 per year
  • Georgia Farm Bureau Mutual car insurance: $1,422 per year

Drivers with poor credit scores, FICO scores 300-579, are likely to pay the most for car insurance. In Georgia, Consumer Reports suggests that these are the three most affordable companies for low-credit drivers, listed with the average premium for a single adult driver.

  • Georgia Farm Bureau Mutual car insurance: $1,422 per year
  • USAA car insurance: $1,495 per year
  • GEICO car insurance: $1,550 per year

The best car insurance for drivers with a clean record

For a driver in Georgia age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
Root$158
State Farm$168
Progressive$178
GEICO$183
Allstate$197
Farmers$203
Travelers$208
Safeco$211
USAA*$212
Esurance$214
Nationwide$218
American Family$219
Bristol West$222
Liberty Mutual$228

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 4,678 policyholders in the state of Georgia 

Best car insurance for one or more accidents on record

For a driver in Georgia  age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
State Farm$151
GEICO$211
Farmers$213
Progressive$217
Esurance$234
Allstate$246
Bristol West$331

Above data obtained from Savvy, based on 4,678 policyholders in the state of Georgia 

Georgia car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Georgia's most populous cities:

CityAverage annual insurance premium 
Atlanta$1,376.00
Augusta-Richmond County$1,279.00
Columbus$1,307.00
Savannah$1,285.00
Athens-Clarke County$1,277.00
Sandy Springs$1,508.00
Roswell$1,576.00
Johns Creek$1,700.00
Macon, GA$1,161.00
Warner Robins$1,390.00
Albany$1,260.00
Alpharetta$1,624.00
Marietta$1,386.00
Smyrna$1,466.00
Valdosta$1,252.00
Dunwoody$1,564.00
North Atlanta$1,512.00
Mableton$1,492.00
Milton$1,696.00
Martinez$1,457.00
Gainesville$1,321.00
Newnan$1,432.00
Rome$1,312.00
East Point$1,274.00
Kennesaw$1,501.00
Evans$1,582.00
Peachtree City$1,601.00
Douglasville$1,394.00
Dalton$1,313.00
Redan$1,362.00
Lawrenceville$1,388.00
Woodstock$1,536.00
Hinesville$1,327.00
LaGrange$1,238.00
Duluth$1,474.00
Statesboro$1,202.00
Canton$1,457.00
Tucker CDP$1,494.00
Union City$1,332.00
Stockbridge$1,440.00

Data from S&P Global Intelligence

Who gets the best car insurance rates in Georgia? 

The person who gets the best car insurance rate in Georgia is going to be someone who has a great credit score, according to Consumer Reports' calculations above. 

While it might be worth working to raise your credit score before getting your car insurance, it's also a good idea to shop around to see who offers the best rate for you. 

You'll want to get several quotes, and compare them to see which offers the best premiums and more. You'll also have to look past the premium to find the best coverage — consider the different coverage types and each of their respective limits, and what the deductible will be that you'll have to pay out of pocket if you get into an accident. 

Shopping around can help you to find the best rate for your specific situation, and might help you save a few dollars in the process, too.

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