Good news for Georgia drivers: Jerry’s latest data shows that liability coverage in the Peach State averages about $443 per month. In the last year, we’ve helped 62,969 Georgia drivers find cheaper car insurance, and drivers who buy with Jerry save an average of $523 each year without cutting the coverage they actually need.
Jerry compares quotes from up to 11 trusted insurers in Georgia to build your policy and help you lock in the best rate in just a few minutes.
Save on Georgia insurance with Jerry.
What Georgia drivers are paying right now
Car insurance prices in Georgia are always on the move. Rates shift with medical claim costs, repair prices and crash patterns on busy routes like the Downtown Connector and the Perimeter. Two drivers with clean records and similar cars can still pay very different amounts depending on whether they live in Midtown Atlanta, Macon or a quiet corner of the Blue Ridge.
Jerry tracks live quotes across Georgia to give you a real-world snapshot of what drivers are paying today. Here are a few recent examples of cheap Georgia full coverage policies purchased through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Give your rate a quick pulse check every so often. In Georgia, tropical systems, pop-up summer storms and even small changes to your daily commute can quietly shift what you’ll pay at renewal.
4 easy ways Jerry helps Georgia drivers save on car insurance
If you’re looking to lower your car insurance costs in Georgia, you’re not alone. But grabbing the cheapest quote you see isn’t always the smartest move. The real edge comes from understanding what is actually driving your rate and which levers you can control.
Jerry makes that simple by comparing real offers, surfacing discounts you might not know exist and showing you exactly where you can save without trimming the coverage you rely on.
Here are our best tips to help you spend and stress less.
| How to save | Average Georgia driver savings |
|---|---|
| Compare quotes | 28% to 52%* |
| Stack discounts | 32% to 43%* |
| Pick the right deductible | 16% to 71%* |
| Keep a clean driving record | 27% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer prices Georgia risk a little differently. Metro Atlanta sees heavy traffic, higher theft rates and more injury claims, while drivers in places like Valdosta or Rome may see fewer collisions but more losses from storms or deer. Add in Georgia’s growing population and year-round driving weather and you get wide price swings from one company to the next.
Comparing quotes side by side with Jerry is the fastest way to make sure you’re not leaving money on the table.
Here’s where Georgia drivers who saved most often switched after comparing rates with Jerry:
| Insurance carrier | Georgia drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 28% | 30% |
| Assurance America | 20% | 24% |
| Root | 20% | 25% |
| National General | 8% | 22% |
| Bristol West | 6% | 25% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location matters, and two Georgia drivers with the same car and similar driving history can still see very different premiums. Jerry shows you how those prices stack up and helps you find coverage that fits your life and your budget, often cutting costs by nearly a third.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Georgia drivers qualify for at least a few discounts, but they rarely show up automatically. You might get price breaks for bundling home and auto, taking a defensive driving course, installing anti-theft devices or simply going paperless. Some insurers even reward low annual mileage for drivers who spend more time on side roads than on I-75.
Jerry finds the discounts you’re eligible for so savings don’t slip through the cracks.
Key takeaway: Stacking discounts often delivers more meaningful savings than just cranking your deductible higher.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible can bring your premium down, but only if it’s something you could actually afford to pay after filing a claim. That’s why it’s worth thinking realistically about your out-of-pocket threshold and balancing coverage with affordability.
Here’s what Jerry drivers tend to choose for their deductibles:
To find the sweet spot for your own deductible:
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Check your car’s current value (Jerry tracks this for you every month).
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Pick a deductible you could realistically afford in an unexpected repair situation.
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See how different deductible levels change your rate in real time.
The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, making it easy to choose the balance of cost and coverage that actually works for you.
Jerry Agent Tip 4: Keep a clean driving record
Violations add up fast in Georgia. Even a single ticket can raise your premium by an average of 27%, and more serious offenses drive rates even higher for years. Safe habits — like steady speeds on rural highways, easing through Atlanta’s frequent speed shifts and avoiding high-risk late-night driving — go a long way toward keeping your rate low.
When your record improves, Jerry automatically re-shops your policy so you see those savings as soon as you qualify.
Get personalized car insurance rates now.
How to get better coverage without overpaying
For Georgia drivers, the right mix of coverage can save money over time while protecting you when it matters most. Here are the coverage types Georgians can choose from when shopping for the best policy and rate:
Minimum
$138 – $265/mo
Meets Georgia’s 25/50/25 liability requirements to keep costs down, but doesn’t cover damage to your own vehicle.
Full
$205 – $416/mo
Adds collision and comprehensive coverage for your car, which is often required if your vehicle is financed or leased.
Standard
$255 – $526/mo
Includes uninsured/underinsured motorist coverage and medical payments, especially valuable in Georgia where many drivers are underinsured.
Preferred
$301 – $639/mo
Offers higher liability limits, lower deductibles and extras like towing or rental reimbursement for broader protection.
Key takeaway: Start with your comfort level around risk and the value of your car, then let Jerry show you what each option costs in real time.
The cheapest policy in Georgia is liability-only, but a few affordable add-ons can make a big difference when you actually need to file a claim.
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Coverage definitions
Georgia insurance factors at a glance
What you pay for car insurance in Georgia is tied to the way people actually drive here, from stop-and-go traffic on the Downtown Connector to foggy mountain mornings in North Georgia and stormy afternoons along the coast.
Severe weather
Georgia sees tropical remnants, hail, flooding and the occasional tornado. Comprehensive coverage is often worthwhile, even on older cars, to protect against damage.
Heavy traffic
Atlanta’s interstates rank among the most congested in the country, which drives up crash and injury claim rates.
Uninsured drivers
Roughly one-fifth of Georgia drivers is uninsured, so it’s wise to match your uninsured and underinsured motorist limits to your own liability coverage.
Comparative negligence law
Georgia uses a modified comparative negligence rule, so you can recover damages as long as you’re less than 50% at fault. This makes collision coverage valuable.
Georgia Insurance After a Ticket, Accident or SR-22
One rough moment behind the wheel shouldn’t dictate what you pay forever. Jerry helps make sure it doesn’t.
You can still lock in a competitive price even if your driving record isn’t perfect. Jerry works with top insurers that are more flexible about past tickets or claims and automatically re-shops your policy as your record improves.
If you got a ticket
A speeding ticket in Georgia typically adds points to your driving record, and too many points can lead to surcharges or even a license suspension. Other citations like running a red light, failing to yield or getting tagged under Georgia’s “super speeder” law on rural stretches of highway can amplify those penalties.
Beyond the points, even a single ticket can raise your insurance rate by 15% to 30%, and the impact can stick around for years. Avoiding citations is the best way to keep costs down, but if you do get one, taking a state-approved defensive driving course can sometimes reduce points and may help lower your premium.
Once you’re signed up in the Jerry app, we monitor your driving record and automatically shop for lower rates as soon as your violation clears so you’re not paying more than you should.
Here are the average rate increases we’ve seen for Georgia drivers after a ticket:
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Speeding under 15: 4%
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Speeding over 15: 6%
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Failure to obey traffic sign: 15%
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Reckless driving: 8%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
An at-fault crash raises premiums for Georgia drivers by anaverage of 24%, and those higher rates can linger for three to five years. Jerry helps you find the best rates right away so you’re not overpaying, then automatically re-shops your coverage once the accident drops off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $502 |
| At Fault With Injury | $553 |
| At Fault With No Injury | $574 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
There’s no getting around it: Your rates will almost certainly rise after a DUI in Georgia and stay elevated for about three to five years. On average, Georgia drivers see their premiums jump by around 15% after a DUI conviction.
But that doesn’t mean you have to overpay. Jerry connects you with top insurers that offer fair rates and dependable coverage even after a DUI. We automatically re-shop your policy as your record improves so you can save as soon as you’re eligible.
Here are the five cheapest insurance companies in Georgia after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $341 | Yes | |
| $379 | Yes | |
| $397 | Yes | |
| $417 | Yes | |
| $417 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Georgia
In Georgia, an SR-22 certificate may be required if you’re convicted of certain violations, drive uninsured or have your license suspended. If you need one, just check the SR-22 box in the Jerry app and we’ll show you only insurers that handle the filing. Some carriers charge a small fee to file the SR-22 on your behalf, typically around $25 per year.
Car Insurance with Bad Credit
Credit scores can affect insurance rates in Georgia, but that doesn’t mean you’re locked into higher prices. Keeping continuous coverage, avoiding lapses and checking quotes regularly can help offset the impact, and Jerry makes that process feel effortless.
Average rates in Georgia by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Georgia’s mix of extreme weather, long highway stretches, mountain roads and fast-growing cities means there’s no one-size-fits-all insurance plan. The key is finding coverage that fits your life on the road, not just your budget.
Jerry makes that easy, matching you with strong, affordable policies tailored to how and where you actually drive.
Get Georgia coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
