Cheapest Car Insurance in Georgia for July 2025

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Cheapest Car Insurance in Georgia for July 2025

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Key Takeaways
  • National General and Progressive offer cheap car insurance in Georgia, according to Jerry’s data analysis.
  • Georgia requires drivers to have a $25,000/$50,000/$25,000 policy at minimum.
  • Uninsured/underinsured motorists coverage is not required in Georgia.

The cheapest car insurance in Georgia comes from companies like National General and Progressive, according to Jerry’s data analysis.

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.

To find the best car insurance in Georgia, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Georgia.

Minimum liability vs. full coverage coverage in Georgia

Georgia’s minimum car insurance requirements are:

  • Bodily injury liability of $25,000 per person and $50,000 per incident.
  • Property damage liability of $25,000 per incident.

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
Mendota $84 $1,013
Bluefire $85 $1,016
Commonwealth Insurance $90 $1,078
Dairyland $151 $1,809
Safeco $165 $1,984
Progressive $208 $2,497
Embark General $218 $2,619
Assurance America $234 $2,805
National General $241 $2,897
First Acceptance $280 $3,364
Last Updated Jul 2, 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 $189 $2,267
Commonwealth Insurance $247 $2,966
Mendota $259 $3,109
Safeco $275 $3,303
Dairyland $303 $3,635
First Acceptance $306 $3,675
Progressive $319 $3,828
Assurance America $355 $4,266
National General $385 $4,624
Last Updated Jun 30, 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 $626 $7,511
21-24 $490 $5,885
Last Updated Jul 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 $409 $4,905
National General 20 $433 $5,192
First Acceptance 20 $460 $5,521
ROOT 20 $470 $5,643
Trexis 20 $480 $5,754
Last Updated Jul 2, 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 $647 $7,769
ROOT 20 $660 $7,924
National General 20 $734 $8,812
Trexis 20 $752 $9,029
Assurance America 20 $843 $10,117
Gainsco 20 $927 $11,121
The General 20 $1,022 $12,267
Bristol West 20 $1,071 $12,852
Last Updated Jul 2, 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 $368 $4,413
35-44 $313 $3,756
45-54 $278 $3,335
Last Updated Jul 2, 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
Dairyland 36 $115 $1,376
Progressive 36 $190 $2,282
Safeco 36 $202 $2,425
National General 36 $215 $2,581
Assurance America 36 $220 $2,645
Last Updated Jul 2, 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 $284 $3,409
Assurance America 36 $329 $3,952
National General 36 $348 $4,178
Safeco 36 $377 $4,524
Root 36 $419 $5,024
Trexis 36 $467 $5,606
The General 36 $477 $5,725
Gainsco 36 $494 $5,932
Bristol West 36 $530 $6,363
Last Updated Jun 30, 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 $270 $3,237
65+ $280 $3,360
Last Updated Jun, 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 $149 $1,784
Assurance America 65 $193 $2,313
National General 65 $219 $2,631
Bristol West 65 $244 $2,931
The General 65 $260 $3,114
Last Updated Jul 2, 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 $182 $2,189
ROOT 65 $199 $2,385
Progressive 65 $205 $2,457
National General 65 $311 $3,735
Assurance America 65 $332 $3,986
Bristol West 65 $452 $5,429
The General 65 $513 $6,162
Gainsco 65 $659 $7,909
Trexis 65 $703 $8,438
Last Updated Jul 2, 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
$302 $3,625
Last Updated Jul 4, 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 $122 $1,459
Bluefire $151 $1,811
Dairyland $204 $2,446
Safeco $231 $2,769
Progressive $233 $2,798
Commonwealth Insurance $241 $2,892
Assurance America $256 $3,069
First Acceptance $258 $3,097
Last Updated Jul 2, 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 $346 $4,157
660-750 $344 $4,131
<550 $354 $4,247
750+ $302 $3,628
Last Updated Jul 4, 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
Embark General <550 $239 $2,870
Safeco <550 $245 $2,945
Aspen <550 $257 $3,083
Commonwealth Insurance <550 $261 $3,129
Progressive <550 $273 $3,275
Last Updated Jul 2, 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 $470 $5,639
At Fault With No Injury $398 $4,780
Not At Fault $359 $4,311
$301 $3,608
Last Updated Jul 4, 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
Aspire Advantage At Fault With No Injury $66 $791
Commonwealth Insurance At Fault With No Injury $116 $1,386
Bluefire At Fault With No Injury $131 $1,576
Mendota At Fault With No Injury $153 $1,835
Infinity At Fault With No Injury $214 $2,566
Last Updated Jul 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 $105 $1,260
Safeco At Fault With Injury $169 $2,031
Progressive At Fault With Injury $348 $4,182
First Acceptance At Fault With Injury $350 $4,197
National General At Fault With Injury $406 $4,871
Last Updated Jul 2, 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
Dairyland $145 $1,743
Bluefire $150 $1,801
Mendota $161 $1,937
Progressive $250 $3,005
Safeco $275 $3,301
First Acceptance $275 $3,304
Assurance America $313 $3,757
National General $314 $3,770
Trexis $400 $4,800
Root $420 $5,037
Last Updated Jun, 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 $260 $3,123
National General $265 $3,185
Progressive $268 $3,217
Assurance America $271 $3,248
The General $355 $4,266
Trexis $356 $4,276
Gainsco $369 $4,423
Bristol West $379 $4,550
ROOT $421 $5,054
Last Updated Jul 2, 2025

Average Car Insurance for Drivers with Other Violations in Georgia

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $341 $4,096
Cell Phone $283 $3,401
Defective Equipment $1,370 $16,444
Driving on Sus. License $318 $3,812
Eluding Police $276 $3,316
Failure to Obey Traffic Sign $355 $4,261
Illegal Turn $383 $4,592
Improper Passing $412 $4,949
Leaving scene of an Accident/Hit and Run $415 $4,976
Open Container $311 $3,732
Other $363 $4,354
Passing School Bus $264 $3,166
Reckless Driving $404 $4,844
Seat Belt $280 $3,364
Suspension $385 $4,617
Wrong Way/Wrong Lane $368 $4,415
Last Updated Jun 30, 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 new car insurance quotes. 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.