Jerry found the best car insurance companies in Georgia, including the best overall, best customer service and best cheap option. We also found the best rates for teen, young and senior drivers.
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Best car insurance in Georgia overall: Geico
Best for customization: Auto-Owners
Best customer service: Nationwide
Best for responsible drivers: Allstate
Best cheap car insurance: Progressive
Honorable mention: Alfa Insurance
Best full coverage car insurance in Georgia
Best car insurance for teen drivers in Georgia
Best car insurance for young drivers under 25 in Georgia
Geico is the best car insurance in Georgia, according to Jerry’s August 2025 editorial analysis, thanks to its strong financial strength rating and minimal customer complaints. Auto-Owners, Nationwide, Allstate, Progressive and Alfa Insurance complete our list of the best carriers in the Peach state. To find the best for you, read Jerry’s in-depth insurance reviews and compare quotes from our top picks.
Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in Georgia. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.
These are the best car insurance companies in Georgia:
Geico is the best car insurance company in Georgia overall.
Auto-Owners offers the best customizable options.
Nationwide offers the best customer service.
Allstate is best for responsible drivers.
Progressive offers the best cheap car insurance in Georgia.
Alfa Insurance earns an honorable mention for high customer satisfaction.
Why you can trust Jerry’s editorial content
Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced journalists. Facts are thoroughly researched, independently verified and routinely updated. Our editorial team is independent, meaning our content is free from partner influence. All insights drawn from Jerry’s proprietary customer auto insurance quotes data provide unique, real-world guidance.
Geico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.
Why it’s the best: Geico is the best car insurance company in Georgia overall thanks to its 5 star Jerry rating, superior financial strength and few customer complaints. The company also ranks slightly above average for customer satisfaction in the Southeast region, according to J.D. Power’s 2025 Auto Insurance Study.
Georgia drivers could save on their auto coverage by taking an approved defensive driving course, bundling policies and insuring a vehicle with safety features, like airbags and anti-theft devices. They can also manage their policy through Geico’s highly-rated mobile app, which lets drivers request roadside assistance, file and track claims and estimate vehicle repair costs.
Best for customization: Auto-Owners
4.9
Jerry’s Score
Our Take
Auto-Owners is one of Jerry’s top-rated insurers, with a reputation for affordable coverage and a wide array of customization and discount options.
Why it’s the best: Auto-Owners has one of the highest score — 4.9 stars — out of all insurers we’ve analyzed in Georgia, due to its superior financial strength rating and low number of consumer complaints. The company offers a variety of ways to customize an auto policy with optional coverages for Georgians, including gap insurance, accident forgiveness and diminished value coverage, which pays you if an accident lowers your vehicle’s market value.
Auto-Owners offers discounts for bundling policies, paying your premium in full, going paperless and paying your bill online. Student drivers could save if they have good grades or are away at school, while teens may get a discount for having their driving tracked by a vehicle’s GPS or approved mobile app.
Best customer service: Nationwide
4.7
Jerry’s Score
Our Take
Nationwide auto insurance rewards loyalty and good driving behavior. The insurer offers a mileage-based policy that may help those who don’t frequently travel far save on premium costs.
Why it’s the best: Nationwide’s our pick for best customer service in Georgia due to its minimal customer complaints to state regulators and high ranking in a major regional customer satisfaction study. Nationwide ranked No. 3 out of 18 for overall customer satisfaction in the Southeast region in J.D. Power’s 2025 auto insurance study.
Nationwide offers discounts for bundling policies, insuring a good student, insuring a vehicle with anti-theft devices, being a safe driver, setting up automatic payments and taking a defensive driving course if you’re over the age of 55. You can also save if you enroll in Nationwide’s telematics program, SmartRide, and practice safe driving habits.
If you like to work in-person with an agent, Nationwide has agents in major Georgia cities, including Albany, Alpharetta, Atlanta, Columbus, Jonesboro, Macon, Roswell, Savannah and Warner Robbins.
Best for responsible drivers: Allstate
4.7
Jerry’s Score
Our Take
Allstate car insurance allows drivers to tailor their policies based on their needs and driving habits, however customer service scores are below average.
Why it’s the best: Allstate not only has an excellent financial strength rating and minimal customer complaints, but it offers savings to responsible, safe drivers. Georgians can save if they’ve gone without tickets or accidents for a certain number of years and pay their premium on time. If you sign up for Allstate’s telematics program, Drivewise, you may save even further if you practice safe driving habits and avoid things like hard breaking and speeding.
Other discounts are available for bundling policies and insuring a good student. You can customize a policy by adding roadside assistance, rideshare insurance and rental reimbursement coverage, among others.
Best cheap car insurance: Progressive
4.6
Jerry’s Score
Our Take
Progressive offers customizable car insurance policies with many discount opportunities. Though the insurer is ranked below average in customer satisfaction by J.D. Power, Jerry customers give Progressive high marks.
Why it’s the best: Progressive offers the best cheap car insurance in Georgia, with an average minimum coverage rate of $163 per month, according to Jerry’s data analysis. Progressive also boasts an excellent financial strength rating and few customer complaints.
Discounts may be available for bundling policies, being a homeowner, paying your premium in full, enrolling in paperless billing, going at least five years without an accident and insuring a minor or good student.
While not yet rated by Jerry, Alfa Insurance was ranked No. 5 out of 18 insurers for overall customer satisfaction in the Southeast region, according to J.D. Power’s 2025 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
Alfa offers a multitude of discounts to Georgia drivers. You may save if you insure multiple vehicles, bundle home and auto insurance, have a qualifying Alfa life insurance policy, are a homeowner, take a defensive driving or qualifying accident prevention course, or are an active military member or government employee. Young drivers can save if they maintain a 3.0 GPA or higher, take an approved driver education course or pass a youth safety discount test.
Georgians can customize their policy with optional coverages like loss-of-income, which pays up to $750 a month if you can’t work because of a car accident injury, and rental reimbursement.
Best full coverage car insurance in Georgia
Anchor General offers the best full coverage car insurance rates in Georgia, according to Jerry’s data analysis, with an average cost of $131 per month.
Here are more companies that offer some of the best full coverage car insurance rates.
Insurance Company
Avg Monthly Quote
Anchor General
$131
Aspire Advantage
$174
Mercury
$186
Bluefire
$217
First Acceptance
$265
Last Updated Aug. 14, 2025
The right full coverage car insurance should match your unique needs and driving habits. Think about how often you’re on the road, the kind of vehicle you drive and whether you’d benefit from extras like roadside assistance or rental reimbursement if your car is in the shop for covered repairs. By focusing on what fits your lifestyle, you can choose a policy that provides the right amount of financial protection without paying for optional coverages you don’t need.
Best car insurance for teen drivers in Georgia
Root offers the best car insurance rates for teen drivers in Georgia, according to Jerry’s data analysis, with an average cost of $407 per month for full coverage.
Here are more companies that offer some of the best car insurance rates for teens.
Insurance Company
Avg Monthly Quote
ROOT
$407
Geico
$530
Clearcover
$588
National General
$746
The General
$753
Last Updated Aug. 13, 2025
Car insurance companies that recognize and reward positive behaviors are often the best choice for teen drivers. Many insurers provide discounts for students with good grades, finish driver education programs or allow their driving behavior to be tracked through telematics programs. Selecting a policy that promotes responsible habits not only helps protect teens on the road but can also make coverage more affordable in the long run.
Best car insurance for young drivers under 25 in Georgia
Embark General offers the best car insurance rates for young drivers in Georgia, according to Jerry’s data analysis, with an average cost of $265 per month for full coverage.
Here are more companies that offer some of the best car insurance rates for young drivers under 25.
Insurance Company
Avg Monthly Quote
Embark General
$265
ROOT
$350
Geico
$354
Safeco
$404
Clearcover
$415
Last Updated Aug. 13, 2025
For drivers under 25, the best car insurance policies are often those that recognize and reward responsible driving habits, since young drivers are viewed as risky to insure. Insurers frequently offer discounts to young drivers who keep a clean driving record, complete approved driving courses or opt into telematics programs that track driving behavior. Choosing a policy that incentivizes good habits can help young drivers stay safe on the road and may lead to lower premiums over time.
Infinity offers the best car insurance rates for drivers over 65 in Georgia, with an average cost of $124 per month, according to Jerry’s data analysis.
Here are more companies that offer some of the best car insurance rates for drivers over 65.
Insurance Company
Avg Monthly Quote
Infinity
$124
National General
$201
Embark General
$217
Geico
$225
Progressive
$261
Last Updated Aug. 13, 2025
For drivers over 65, the best car insurance is one that matches their lifestyle. Seniors who spend less time on the road may benefit from pay-per-mile insurance, which bases premiums on how much you actually drive and can be more cost-effective for low-mileage drivers. Additionally, completing a defensive driving course can help improve skills behind the wheel and may result in a discount.
Follow these tips to find the best car insurance in Georgia.
Determine your coverage needs. You’ll need at least Georgia’s minimum coverage, but you might want higher liability limits to protect you financially if you cause a bad crash. You might also want to add other coverages. For example, 19% of Georgia drivers are uninsured, according to a 2023 study from the Insurance Information Institute — consider adding uninsured motorist coverage to pay for your own injuries and property damage if you’re hit by one of these drivers.
Research insurance companies. Sites like ours collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy. You can also look for reviews from real Georgia drivers on forums like Reddit, or social media posts on Facebook and Instagram.
Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Geico offers the best car insurance in Georgia, according to Jerry’s editorial analysis.
Who has the best car insurance rates in Georgia?
Commonwealth Insurance has some of the best full coverage car insurance rates in Georgia, according to Jerry’s data analysis.
How do I find the best car insurance in Georgia?
You’ll find the best car insurance in Georgia by looking for companies that have strong customer service and offer the coverage types you need to be financially protected on the road. You can also research customer experiences online and read reviews.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
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.
MEET OUR EXPERTS
Ben Moore
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.
See more
Annie Millerbernd
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
4.9Jerry’s ScoreOur TakeAuto-Owners is one of Jerry’s top-rated insurers, with a reputation for affordable coverage and a wide array of customization and discount options.
