The best car insurance in Georgia comes from Geico, according to Jerry’s editorial analysis. The company has high financial strength ratings and few complaints to state regulators. Here’s the rundown of the best insurers in the state.
If you need cheap car insurance in Georgia, be sure to compare quotes from multiple insurers to find the best rate.
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
These are the best companies for full coverage in Georgia.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Mercury | $74 |
| Bluefire | $194 |
| Infinity | $210 |
| Mendota | $220 |
| Commonwealth Insurance | $247 |
Best car insurance for teen drivers in Georgia
The following companies offer some of the best car insurance rates for teen drivers in Georgia.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 19 | Progressive | $117 | January 27, 2025 |
| 19 | Progressive | $183 | March 16, 2025 |
| 19 | ROOT | $184 | February 19, 2025 |
| 19 | National General | $192 | May 17, 2025 |
| 19 | National General | $198 | April 29, 2025 |
| 19 | Progressive | $201 | April 19, 2025 |
| 19 | Bristol West | $214 | September 26, 2024 |
| 18 | Bristol West | $216 | February 3, 2025 |
| 19 | Gainsco | $216 | July 18, 2024 |
| 19 | Progressive | $217 | March 16, 2025 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Georgia
Here are the best car insurance rates for young drivers in Georgia.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Embark General | $180 |
| Aspen | $257 |
| Commonwealth Insurance | $294 |
| Progressive | $383 |
| First Acceptance | $403 |
Learn more: Car insurance for college students
Best car insurance for seniors in Georgia
Here are the best car insurance rates for drivers aged 65 and older in Georgia.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Infinity | $80 |
| Progressive | $191 |
| Safeco | $224 |
| National General | $267 |
| Assurance America | $292 |
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.
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.
