Jerry SummaryGeico offers the best car insurance in Georgia, according to Jerry’s editorial analysis, thanks to its strong financial standing, minimal complaints and discounts available. Auto-Owners comes in second place, while Alfa Insurance earns an honorable mention due to its high customer satisfaction. You can get the best car insurance in Georgia by comparing quotes from multiple insurance companies.
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: Best car insurance overall.
- Auto-Owners: Runner-up.
- Alfa Insurance: Honorable mention.
If you need cheap car insurance in Georgia, be sure to compare quotes from multiple insurers to find the best rate.
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Why you can trust Jerry’s editorial content
Best car insurance in Georgia overall: Geico
Why it’s the best: Geico has a perfect 5 star Jerry rating, making it the best insurer in Georgia out of the companies we analyzed. Its superior financial strength rating and few number of complaints helped push it to the top of the list.
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, estimate vehicle repair costs and file and track claims.
Runner-up: Auto-Owners
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.
Why it’s great: 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 optional coverages for Georgians, including gap insurance, at-fault 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. Young 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.
More of the best Georgia insurers
The following companies are also among the best car insurance providers in Georgia.
Honorable mention: Alfa Insurance
While not yet rated by Jerry, Alfa Insurance was ranked No. 1 out of 17 insurers for overall customer satisfaction in the Southeast region, according to J.D. Power’s 2024 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
|
|---|---|
| Bluefire | $183 |
| Infinity | $210 |
| Commonwealth Insurance | $213 |
| Dairyland | $263 |
| Safeco | $272 |
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
Dairyland offers the best car insurance rates for teen drivers in Georgia, according to Jerry’s data analysis, with an average cost of $355 per month.
Here are more companies that offer some of the best car insurance rates for teens.
|
Age
|
Insurance Company
|
Monthly Quote
|
|---|---|---|
| 19 | Dairyland | $155 |
| 18 | Bristol West | $216 |
| 19 | Progressive | $232 |
| 19 | National General | $242 |
| 18 | Progressive | $245 |
| 19 | National General | $247 |
| 18 | Bristol West | $258 |
| 19 | Progressive | $271 |
| 19 | Bristol West | $275 |
| 19 | Progressive | $275 |
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.
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Georgia
Safeco offers the best car insurance rates for young drivers in Georgia, according to Jerry’s data analysis, with an average cost of $308 per month.
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 | $180 |
| Dairyland | $238 |
| First Acceptance | $395 |
| Progressive | $411 |
| Clearcover | $432 |
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.
Learn more: Car insurance for college students
Best car insurance for seniors in Georgia
Bluefire offers the best car insurance rates for drivers over 65 in Georgia, with an average cost of $89 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 | $80 |
| Bluefire | $94 |
| Progressive | $198 |
| Safeco | $213 |
| National General | $266 |
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.
Learn more: Car insurance for seniors
How to get the best car insurance in Georgia
Follow these tips to find the best car insurance in Georgia.
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance 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.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- 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.
FAQs
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What is the best car insurance in Georgia?
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Who has the best car insurance rates in Georgia?
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How do I find the best car insurance in Georgia?
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.
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.
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.
