Jerry Summary

The cheapest car insurance in Georgia comes from Bluefire, which charges $217 per month, according to Jerry’s September 2025 data analysis. The average cost of car insurance in Georgia is $385 per month. Because car insurance rates are highly personalized, it’s smart to get multiple quotes to find your cheapest coverage.

Like football, driving is a way of life in Georgia. Whether your commute includes the odd stop for livestock or you live inside the Interstate 285 perimeter, life’s just a little easier in the Peach State with a car.

Car insurance rates can vary widely across between cities — the rate someone in Augusta pays may be much lower than what they’d pay in Athens. But all Georgians are familiar with the same popcorn showers and ever-present threat of springtime tornadoes.

Car accidents can happen when you’re driving out to the Golden Isles for a weekend trip or just headed to your nearest Publix, and the right car insurance policy can protect your finances and ultimately save you money in those situations. The best way to find a good deal is to get at least a few quotes.

• 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.

Where to get the cheapest car insurance in Georgia

The cheapest full coverage car insurance in Georgia costs $217 per month and is offered by Bluefire, according to Jerry’s analysis of quotes.

A full coverage car insurance policy is recommended by most financial experts because it, unlike liability insurance, pays for damage to your car after an accident, regardless of fault.

Full coverage includes comprehensive insurance, which pays to repair or replace your car if a hailstorm or tornado rolls through. Collision pays for your vehicle’s damage after an accident, even if the other driver wasn’t insured — and almost 20% of Georgia drivers are uninsured, according to the Insurance Information Institute.

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.

Here are the lowest rates for full coverage car insurance in Georgia.

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More: Compare cheap full coverage car insurance

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Cheapest minimum coverage car insurance in Georgia

Electric offers the cheapest minimum coverage car insurance in Georgia at $67 per month, according to Jerry’s analysis.

Minimum coverage is just that: The state-required car insurance, and nothing more. In Georgia, these are liability-only policies, meaning only property damage and injuries you cause to other people on the road are covered, up to your policy’s limits.

Though this is the lowest-cost auto insurance you can get, minimum coverage may not be right for every driver, because liability limits are low — any damage you do beyond your limits are at your expense — and it offers no coverage for your own vehicle or injuries after a wreck.

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More: Get cheap car insurance the smart way, today

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Drivers in Georgia with minimum coverage must carry:

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

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

• 35-45 years old.
• Clean driving record.
• $50,000 in bodily injury liability, per person.
• $100,000 in bodily injury liability, per accident.
• $1,000 deductible for comprehensive and collision insurance.

Cheapest Georgia car insurance by age

Young drivers on their own auto policy usually pay more than experienced drivers. This is the case in Georgia, but it’s true everywhere else, too. When you’re younger, your lack of driving experience causes insurers to charge more. As you age, rates tend to decrease if you practice safe driving habits and other factors affect your policy.

In your 30s, 40s and 50s you may go through many life changes, and your insurance needs change right alongside you. You might get married, move into the city or out toward the suburbs, have kids who grow up and drive, buy a house and someday add an RV, and all these things will become factors in your insurance policy.

And then later on, in your 60s and 70s, insurers start to weigh your age more heavily again.

Because no two providers treat these changes the same — one company may charge more when you move out to a suburb, while another could charge you less — it’s wise to keep a steady habit of comparing quotes at least once a year.

Cheap car insurance for Georgians between 18 and 29 years old

Electric offers the cheapest car insurance for young Georgians seeking full coverage at $121 per month, according to Jerry's quote analysis.

Georgians under age 30 will have to work the hardest to find low-cost car insurance. During this time, not only are you new to driving, but you may also live in a busy college town like Athens or Savannah, which can also contribute to higher rates.

If you can stay on your parents’ policy in your early 20s and pay only your portion, the costs could be a lot lower. If not, though, be sure to get plenty of quotes. Some providers look more favorably upon young drivers than others.

Here are the insurers offering the cheapest full coverage policies to young drivers.

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These are the lowest-cost insurers for drivers aged 29 and under.

It might be tempting to drop down to a liability-only policy to quickly save some cash, and for young drivers who drive an older family car and live especially close to work or school, that can be a valid strategy. 

But for many, your 20s is not a phase of life when you’re flush with cash to cover costs after a major accident. The risk of carrying minimal coverage may not be worth the premium savings.

Cheap car insurance for 30- to 64-year-old Georgians

Georgia drivers between 30 and 64 years old get the cheapest full coverage car insurance from Anchor General, which charges $131 per month, according to Jerry's data.

As you gain driving experience in your 30s and early 40s, cheap car insurance is easier to come by, especially for those with clean records. A lot of life happens between 30 and 64. You may move cites, move in with a long-term partner or have kids. All these changes contribute to your policy costs.

Insurers offer discounts for insuring multiple vehicles or bundling policies when you insure a home, boat or RV. You might qualify for a good student discount if your teen driver gets good grades. Your credit score, which will almost certainly change over time, is part of the equation, too.

If you spend these years in Georgia, you may see your fair share of hurricanes, which will also affect your premium.

Here are the cheapest full coverage quotes for Georgia drivers between 30 and 64.

Cheap car insurance rates for Georgia drivers aged 65 and older

The cheapest full coverage car insurance for Georgians age 65 and older costs $124 per month and is offered by Infinity, according to Jerry's quote analysis.

A peach gets softer and sweeter with age, but your car insurance might not. Some insurers charge drivers more as they reach their late 60s and beyond, meaning it’s crucial to maintain a habit of shopping for coverage at least every year. Even if you’ve been a faithful policyholder for most of your life, a different insurer may be a better fit if affordability is your priority.

Here are the insurers offering the cheapest coverage to older Georgians.

Your later years are a good time to take a hard look at your liability limits and coverage types. Many drivers choose the $100k/$300k/$100k limits to help safeguard any wealth they’ve accumulated if they cause a severe accident. Another option is to calculate your net worth (total assets, minus debts) and carry that amount or more.

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More: How much car insurance do I need?

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It’s also worth mulling the comprehensive and collision insurances. If you drive an older, low-value car that isn’t worth the cost to insure it, you may not need those coverages anymore.

However, if your car is new or has held onto its value over time, comprehensive and collision may come in handy, especially if you make frequent trips to the coast or live out in the sticks and commute to the city.

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More: Best car insurance for seniors

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Cheap car insurance for bad credit in Georgia

Most states, Georgia among them, allow insurers to consider drivers’ credit histories to price their car insurance policies. Studies suggest that drivers’ financial profiles can be good predictors of their likelihood to file claims, meaning folks with low scores tend to pay high rates.

Georgians’ average a 686 credit score, according to a March 2024 study from Equifax, and if yours is far below that number, your premium could suffer because of it.

Some insurers offer better rates to drivers with poor credit, and if that’s you, it’s worth your time to match yourself with that type of insurer. Get estimates from at least three to five companies to be sure you’ve found the best deal.

The cheapest full coverage car insurance for drivers with poor credit in Georgia comes from Mendota at $315 per month, according to Jerry's quoting data.

See the lowest minimum coverage rates for Georgia drivers with poor credit

Insurance Company	Avg Monthly Quote

Insurance Company	Avg Monthly Quote
Progressive	$198
Assurance America	$202
National General	$219
Gainsco	$239
Trexis	$243
Safeco	$267
Gainsco	$267
Assurance America	$282
The General	$289
Clearcover	$309

Last Updated Sept. 19, 2025

Cheapest car insurance for Georgians with an at-fault accident

An at-fault accident will affect your car insurance rates, whether it’s a fender bender on Interstate 75’s stop-and-go traffic or a flopped last-minute exit attempt on Spaghetti Junction. You can shop for a better deal from another insurer before your policy renews, which is when your current insurer would raise your premium.

The cheapest full coverage car insurance for Georgians with an at-fault accident on their record is from Mendota at $179 per month, according to Jerry’s quoting data.

The cheapest car insurance for Georgians with a speeding ticket

Georgia uses a points system to record certain traffic violations. Each moving violation gets you between two and six points, depending on severity. Here’s how that works out for speeding:

Speed over the limit	Points
15 to 18 mph	2
19 to 23 mph	3
24 to 33 mph	4
34 or more mph	5

Speeding by less than 15 mph does not add points to your record.

Insurance companies don’t explicitly use a state’s point system to determine rates — they review the actual citations on your motor vehicle report — but if you accumulate points, you can expect a higher premium.

Georgians with a speeding ticket on their record can find the cheapest full coverage with Geico, which charges $265 on average, according to Jerry’s quote data.

Root offers the cheapest full coverage car insurance for Georgia drivers with a speeding ticket for driving more than 15 mph over the limit at$272 per month.

Cheap car insurance for Georgia drivers with other violations

Georgia’s point system doesn’t directly translate to your insurance rates. So, if you have six points on your license for illegally passing a school bus, your insurer cares more that you passed a school bus illegally than it does that you got six points.

Insurers treat moving violations differently: One insurer might significantly jack up your premium after an open container citation, but another may not give it much weight. 

No company’s pricing model is “right,” they’re all just different and mysterious. The only way to know if you could save money elsewhere is to get quotes.

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Cheapest auto insurance for Georgia drivers with DUI citations

In 2022, 28% of fatal wrecks in Georgia involved an alcohol-impaired driver, so it makes sense that insurers take the offense seriously. By getting a DUI, an insurer sees you as putting their money at risk, because you’re more likely to cause a severe accident while impaired.

A DUI arrest in Georgia could result in your license being suspended for a year, and a DUI conviction in any state makes it much more difficult to find affordable coverage. You may also require a SR-22, a proof-of-insurance form insurers provide to the Georgia Department of Revenue. Not all insurers offer them. 

Some insurers don’t offer coverage to drivers who have been convicted of a DUI, also called “high-risk” drivers, but others specialize in such coverage. It’s crucial if you need car insurance after a DUI to get as many quotes as you can in search of the best deal.

National General offers the cheapest full coverage auto insurance for Georgia drivers with a DUI, at $227 per month, according to Jerry’s analysis.

It may be tempting after a DUI to drop comprehensive and collision insurance and carry only the mandated minimum insurance.

Though less coverage will lower your premium, in order to avoid a lawsuit after an accident, you need enough cash at the ready to cover your injuries and damage, as well as any amount you may owe the other driver if you’re at fault and exceed your liability limits.

The cheapest car insurance for Georgians with a DUI seeking a minimum coverage policy is Geico with an average monthly premium of $109.

3 steps to get cheap car insurance in Georgia

Now that you have a sense of which factors carry weight with Georgia insurers, you can drill down and find the insurer that gives you the best rate. 

You want two things when you’re shopping: The right coverage and a good deal. Try not to sacrifice too much on one in service of the other.

Here are three steps to find the cheapest car insurance in Georgia.

1. Check state requirements and decide if you want more. Georgia’s liability limits are pretty typical — $25,000 of bodily injury per person, $50,000 of bodily injury per accident and $25,000 of property damage per accident. The state also requires insurers to offer uninsured/underinsured motorist coverage (UM/UIM), but allows policyholders to reject the coverage in writing. These limits may not be enough to cover a potential at-fault accident, which is worth keeping in mind as you shop.
2. Compare quotes. Whether you call your insurance agent or shop online, aim for at least three to five car insurance quotes, and be sure they all include the same coverages and liability limits. Your best gauge is what you’re currently paying, if you have insurance. Try not to think too much about what your neighbors or family members out in Peachtree are paying. Car insurance rates are personal to you.
3. Look for discounts. Once you have your quotes, be sure any applicable discounts are included. Insurers offer many of the same discounts, but some include affiliation discounts for being an employee or member of a certain organization.

Cheapest car insurance data methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

On this page

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes