Cheapest Car Insurance in Georgia (May 2025)

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Cheapest Car Insurance in Georgia (May 2025)

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Key Takeaways
  • Georgia requires drivers to have a $25,000/$50,000/$25,000 policy at minimum.
  • Uninsured/underinsured motorists coverage is not required in Georgia.

Looking for cheap car insurance in Georgia? Rates have sharply jumped in recent years and finding a good deal is potentially harder to come by than it used to be.

The average full coverage insurance cost in Georgia is now $418 per month. That’s 20.5% higher than the national average of $340.

When you’re shopping for car insurance, you’ll want to look at your state’s minimum liability coverage instead of just opting for full coverage without shopping around. For minimum liability coverage, drivers in Georgia pay an average of $241 per month. 

Let’s take a closer look at how this works.

Minimum liability vs. full coverage coverage in Georgia

Georgia law requires drivers have a minimum liability coverage of:

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

Minimum coverage in Georgia helps cover repair costs and bodily injuries, but with soaring medical and repair costs, policy limits can quickly get maxed out.

Uninsured/underinsured motorists coverage (UIM/UM) is not required to legally drive in the Peach State, but you may want to consider adding this to your policy for added protection. If you fall victim to a hit and run or are involved in a crash caused by an uninsured driver, this coverage will help pay for some of your related expenses.

State mandated minimum liability coverage does not pay for any damage done to your car or property. To better protect your property and financial interests, you’ll need collision coverage and comprehensive coverage. 

While not mandated by the state of Georgia, your lender most likely will require you to have full coverage car insurance if you’re financing or leasing your car.

Here are the cheapest car insurance rates for different demographics and driving records in Georgia, which is generated by real Jerry customers who received a quote with us from a wide range of insurance providers.

Cheapest minimum coverage insurance in Georgia

Check out average quotes for Georgia drivers based on the rates provided from various insurers that Jerry serves, in order from cheapest to more expensive:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Commonwealth Insurance $64 $770
Bluefire $85 $1,017
Mendota $100 $1,204
Safeco $156 $1,871
Dairyland $164 $1,974
Embark General $186 $2,238
Progressive $205 $2,463
Assurance America $225 $2,698
National General $239 $2,866
First Acceptance $271 $3,247
Last Updated May 4, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Georgia

Here are the average quotes for full coverage in Georgia, ordered from cheapest to more expensive.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Mercury $74 $893
Bluefire $192 $2,301
Clearcover $245 $2,941
Commonwealth Insurance $247 $2,966
Mendota $259 $3,109
Safeco $270 $3,241
Dairyland $296 $3,549
First Acceptance $312 $3,748
Progressive $312 $3,750
Assurance America $356 $4,267
Last Updated May 2, 2025

Cheapest car insurance for young drivers in Georgia

Young drivers in Georgia tend to pay the highest rates in the state, as you can see in the table below:

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $631 $7,566
21-24 $491 $5,891
Last Updated May 2, 2025

Cheapest liability-only policy in Georgia for a 20 year old

Based on our data, here are the cheapest rates for a 20-year-old in Georgia for liability-only coverage:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 20 $397 $4,760
Trexis 20 $442 $5,306
First Acceptance 20 $459 $5,506
National General 20 $480 $5,763
Root 20 $512 $6,150
Last Updated Apr 29, 2025

Cheapest full coverage policy in Georgia for a 20 year old

Here are the cheapest rates for a 20-year-old in Georgia for full coverage:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 20 $584 $7,009
Root 20 $641 $7,695
Trexis 20 $671 $8,056
Assurance America 20 $740 $8,880
National General 20 $782 $9,382
Gainsco 20 $881 $10,572
Bristol West 20 $1,025 $12,300
The General 20 $1,038 $12,452
Last Updated Apr 30, 2025

Average car insurance for mature drivers in Georgia (25-54 years old)

Georgia drivers aged between 25-54 start seeing declines in their average quote as they go from their mid-20s to their mid-50s.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $362 $4,347
35-44 $306 $3,670
45-54 $275 $3,298
Last Updated Apr 29, 2025

Cheapest liability-only policy in Georgia for a 36 year old

The average Jerry customer is 36 years old, and here’s what a 36-year-old Georgia driver would pay:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Bluefire 36 $62 $744
Dairyland 36 $115 $1,376
Progressive 36 $192 $2,304
National General 36 $214 $2,567
Assurance America 36 $221 $2,650
Last Updated Apr 29, 2025

Cheapest full coverage policy in Georgia for a 36 year old

Check out the cheapest rates for a 36-year-old Georgia for full coverage, starting from cheapest insurer.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 36 $288 $3,458
Assurance America 36 $346 $4,150
National General 36 $355 $4,255
Safeco 36 $387 $4,644
Root 36 $408 $4,895
The General 36 $480 $5,759
Gainsco 36 $510 $6,121
Trexis 36 $511 $6,131
Bristol West 36 $571 $6,856
Last Updated May 2, 2025

Average car insurance for older drivers (55+ years old)

Prices for auto insurance hits its lowest when a driver is in the 55-64 age group, and then prices start climbing once a Georgia driver enters the 65+ age group.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $265 $3,181
65+ $280 $3,356
Last Updated May 2, 2025

Cheapest liability-only policy in Georgia for a 65 year old

Here are the average premiums for a 65-year-old driver who only needs a liability-only policy:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 65 $153 $1,841
Assurance America 65 $187 $2,249
National General 65 $218 $2,619
Bristol West 65 $244 $2,924
The General 65 $247 $2,968
Last Updated May 3, 2025

Cheapest full coverage policy in Georgia for a 65 year old

Check out the average quotes for a 65-year-old driver in Georgia who needs full coverage:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Safeco 65 $165 $1,982
Root 65 $179 $2,142
Progressive 65 $212 $2,547
National General 65 $320 $3,842
Assurance America 65 $333 $3,995
Bristol West 65 $452 $5,420
The General 65 $462 $5,547
Gainsco 65 $628 $7,533
Trexis 65 $703 $8,438
Last Updated Apr 30, 2025

Average car insurance for drivers with a clean record in Georgia

A clean record in Georgia will generally get you a better insurance premium than one with claims or violations. Check out the average quotes for a driver with a clean record:

Avg Monthly Quote
Avg Annual Quote
$298 $3,576
Last Updated May 1, 2025

Furthermore, here are the average monthly quotes for drivers with a clean record, starting with the cheapest insurer.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Mercury $74 $893
Aspire Advantage $78 $940
Electric $94 $1,124
Bluefire $141 $1,696
Clearcover $179 $2,150
Dairyland $205 $2,457
Progressive $225 $2,700
Safeco $231 $2,777
Commonwealth Insurance $241 $2,892
First Acceptance $249 $2,993
Last Updated May 4, 2025

Average car insurance for drivers with low credit score in Georgia

Drivers in Georgia with a credit score of over 750 tend to pay the lowest average quote:

Credit Score
Avg Monthly Quote
Avg Annual Quote
550-659 $340 $4,079
660-750 $334 $4,009
<550 $348 $4,175
750+ $285 $3,423
Last Updated May 2, 2025

If you have a low credit score of less than 550, check out these companies for potentially better deals:

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
Bluefire <550 $223 $2,678
Clearcover <550 $245 $2,941
Safeco <550 $245 $2,945
Aspen <550 $257 $3,083
Commonwealth Insurance <550 $261 $3,129
Last Updated Apr 29, 2025

Cheapest car insurance for drivers with at-fault accidents in Georgia

Georgia drivers with an accident on their record tend to pay quite a bit more than a driver with no accident history, as you can see below:

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
At Fault With Injury $473 $5,680
At Fault With No Injury $393 $4,722
Not At Fault $351 $4,214
$297 $3,566
Last Updated May 2, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Georgia

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Bluefire At Fault With No Injury $98 $1,182
Aspire Advantage At Fault With No Injury $138 $1,657
Dairyland At Fault With No Injury $263 $3,160
Safeco At Fault With No Injury $265 $3,175
Embark General At Fault With No Injury $291 $3,493
Last Updated May 2, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Georgia

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Dairyland At Fault With Injury $113 $1,358
Safeco At Fault With Injury $169 $2,031
First Acceptance At Fault With Injury $333 $4,001
Progressive At Fault With Injury $352 $4,229
National General At Fault With Injury $400 $4,803
Last Updated Apr 29, 2025

Cheapest car insurance for drivers with a speeding ticket in Georgia

Here are the most affordable insurance companies for drivers with a speeding ticket in Georgia:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bluefire $121 $1,449
Dairyland $154 $1,853
Mendota $161 $1,937
Safeco $234 $2,809
Progressive $244 $2,929
First Acceptance $271 $3,253
National General $313 $3,755
Assurance America $317 $3,804
Trexis $414 $4,972
Bristol West $434 $5,208
Last Updated May 2, 2025

Cheapest car insurance for drivers with a DUI in Georgia

Georgia drivers with a DUI can expect a wide variation in quotes based on insurers. Here are the quotes that Jerry has provided, starting from the cheapest insurer:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
First Acceptance $252 $3,026
National General $254 $3,052
Progressive $258 $3,098
Assurance America $262 $3,149
Trexis $335 $4,024
The General $336 $4,026
Gainsco $345 $4,145
Bristol West $365 $4,383
Root $394 $4,726
Last Updated Apr 29, 2025

Average Car Insurance for Drivers with Other Violations in Georgia

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $343 $4,118
Cell Phone $289 $3,468
Driving on Sus. License $308 $3,698
Eluding Police $276 $3,314
Failure to Obey Traffic Sign $347 $4,159
Illegal Turn $375 $4,501
Improper Passing $410 $4,920
Leaving scene of an Accident/Hit and Run $395 $4,745
Open Container $316 $3,787
Other $366 $4,397
Passing School Bus $280 $3,358
Reckless Driving $368 $4,418
Seat Belt $285 $3,426
Suspension $383 $4,594
Wrong Way/Wrong Lane $346 $4,156
Last Updated May 2, 2025

What are collision coverage and comprehensive coverage?

In short, these types of coverage help pay for the harm done to your vehicle and property. A deductible may apply for both.

  • Collision coverage helps pay for the damage caused by another vehicle in a collision by covering the costs to repair your car.
  • Comprehensive coverage helps pay for damages from theft, weather, vandalism and other damage not cause by another vehicle. 

Other coverage add-ons to a policy include car rental coverage for after an accident, windshield glass coverage and 24-hour roadside assistance. 

Do you need more than minimum coverage in Georgia?

Full coverage isn’t required by law in Georgia. But it still may be wise to have more than just the minimum liability coverage to help protect you from costly repairs, medical bills and legal defense in the event another driver files a claim against you. 

Factors that determine your car insurance premium

Rates vary from driver to driver in Georgia. The cost of your premium will depend on a number of factors like:

  • Driving record and history.
  • Number of claims you’ve put in.
  • Age and gender.
  • Marital status.
  • Where you live. 
  • The vehicle you drive.
  • Vehicle usage.
  • Deductibles.
  • Credit score.

Tips for lowering your car insurance in Georgia

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

The best way to save money on your plan is to shop around for a new policy. Here are other ways that may help lower your costs:

  • Pay your premiums in full.
  • Take a safety driving course.
  • Install a tracking device in your car or smartphone for good driver discounts.
  • Work towards raising your credit score.
  • Look for policies that have higher deductibles to save on your premiums.

If this sounds like a lot of work, keep in mind that you can save time — and potentially money — by using Jerry, America’s first AllCar™ app. 

Jerry compares car insurance policies from top insurance companies within minutes, taking the hard lift of doing the research on your own. As a licensed broker, Jerry has all your insurance needs handled from start to finish, in one place. In addition, we will automatically alert you when better rates are available even before your policy lapses.

FAQ

  • What is the cheapest car insurance in Georgia?
  • What is the cheapest full coverage car insurance in Georgia
Still have questions? Contact us

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.

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