Georgia Car Insurance

Find the Best Car Insurance Quotes & Options in Georgia

The average cost of car insurance in Georgia is a bit higher than the current national average. Annual car insurance costs in Georgia average $1,519, while the overall US average is $1,311. In fact, Georgia's car insurance rates are the fourteenth highest in the nation. Still, drivers still likely want to build a car insurance policy that includes more than just Georgia's minimum required coverages in order to get reimbursement for accidents and more.

A Georgia independent insurance agent can help you create the right kind of car insurance policy for you. They'll make sure you get set up with the best blend of coverage and cost. But first up, here's an extensive breakdown of Georgia car insurance.

Best Car Insurance Companies in Georgia

Car insurance is available from many different car insurance companies in Georgia, but not all policies are the same in terms of quality. In fact, some Georgia car insurance companies greatly outshine others. That's why we put together a list of the best car insurance companies in Georgia by category and type, including the best car insurance companies in Georgia for minimum liability coverage, full coverage, young drivers, drivers with accident histories, and the best overall. Here are some of our top picks for car insurance carriers in Georgia to start off with.

• Best Georgia car insurance company overall: Nationwide
• Best Georgia car insurance company for minimum liability: Auto-Owners
• Best Georgia car insurance company for full coverage: Auto-Owners
• Best Georgia car insurance company for young drivers: Auto-Owners
• Best Georgia car insurance company for accident history: Progressive

A Georgia independent insurance agent can provide you with quotes, policy options, and more from these top-rated carriers.

Best Georgia Car Insurance Company Overall: Nationwide

Our top choice for the overall best Georgia car insurance company is Nationwide. Nationwide provides several policy options for all kinds of drivers and offers many different discount options. Combined with the carrier's history of quality service and products alike, their spot in this category was easily earned.

Nationwide was founded in 1925 and has been around for nearly a century. The insurance company has grown considerably from a small car insurer to one of the largest insurance and financial services companies across the globe. The carrier now has more than 10,000 employees.

AM Best ranks Nationwide in the $2 billion or greater category financial size category. AM Best also rates Nationwide an "A+" or superior rating overall for financial strength. Nationwide has even earned an impressive 876 out of 1,000 points on a recent J.D. Power Customer Satisfaction Survey.

Best Georgia Car Insurance Company for Minimum Liability: Auto-Owners

Our top choice for the best Georgia car insurance company for minimum liability coverage is Auto-Owners. Auto-Owners makes buying only the state's minimum required coverages a breeze. A minimum liability car insurance policy from Auto-Owners starts at just $30 per month in Georgia.

First founded in 1916, Auto-Owners has more than a century's worth of experience in the industry. The insurance company is also a Fortune 500 company. The carrier offers coverage in 26 states across the US. In regards to financial size, AM Best places the carrier in the $2 billion or greater category. AM Best also gives Auto-Owners an “A++” rating, which is the highest available for financial strength.

Best Georgia Car Insurance Company for Full Coverage: Auto-Owners

Our top choice for the best Georgia full-coverage car insurance company also goes to Auto-Owners. When referring to a "full coverage" car insurance policy, it typically means one that includes liability as well as additional coverages like collision, comprehensive, personal injury protection, and possibly others. A full coverage auto insurance policy from Auto-Owners starts at about $97 per month in Georgia.

Best Georgia Car Insurance Company for Young Drivers: Auto-Owners

Our top choice for the best Georgia car insurance company for young drivers like teens and students once again goes to Auto-Owners. For many families, adding a student driver or teen driver to their auto insurance policy can cause a nightmarish price increase. Auto-Owners helps keep policies for young drivers affordable, however, with rates starting at just $113 per month for minimum coverage in Georgia.

Best Georgia Car Insurance Company for Accident History: Progressive

Our top choice for the best Georgia car insurance company for drivers with accident histories is Progressive. Though just one accident on record can cause exponential price increases for many car insurance customers, Progressive offers three different accident forgiveness options. A full coverage policy for drivers with accident histories from Progressive averages $1,787 annually in Georgia.

Founded in 1937, Progressive has more than 80 years of experience in the insurance industry. Fifty years ago, Progressive became the first carrier to allow consumers to pay their premiums in installments, which was groundbreaking for the industry. Coverage is available in 40 states.

Progressive's original mission included becoming the number-one choice for auto insurance with both consumers and agents. Progressive holds an "A+" rating for financial strength from AM Best and was rated 842 out of 1,000 on a recent J.D. Power Survey.

Georgia Car Insurance Requirements

Georgia requires fewer types of car insurance than many other states, but drivers still must be equipped with liability coverage before they hit the road. Failure to obtain car insurance before driving can result in state fines, jail time, or even harsher penalties. All drivers in Georgia must have at least:

• Bodily injury liability: In Georgia, this coverage is required in the amounts of $25,000 per person and $50,000 per accident. Coverage pays the costs of medical treatment for another driver and their passengers after an accident you're at fault for.
• Property damage liability: In Georgia, this coverage is required in the amount of $25,000 per accident. Coverage pays the costs of repairs to a third party's personal property, like a vehicle, fences, etc., if you damage it with your car.

Some optional car insurance coverages in Georgia:

• Rental car reimbursement: Covers costs of a rental car after a covered accident.
• Uninsured motorist coverage: Covers damage to your vehicle or medical treatments if another driver causes a collision and doesn't have any or enough insurance of their own.
• Personal injury protection: Covers your own medical expenses after an accident that you're at fault for.
• Roadside assistance: Covers towing services if you break down on the side of the road.
• Gap coverage: Covers the difference between what your vehicle is worth and what you owe on your remaining vehicle loan after a collision.
• Comprehensive: Covers costs after incidents other than collision, including incidents with large animals, windshield breaks, and more. 
• Collision: Pays for damage to your car from a collision with another driver, regardless of fault.

A Georgia independent insurance agent will help you create a car insurance policy that includes everything you need it to.

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Average Cost of Car Insurance in Georgia

The average annual car insurance cost in Georgia is $1,519. The current US average for car insurance is $1,311 per year. Resident drivers in Georgia pay a bit more for their coverage, on average, compared to much of the country. The state overall ranks number 14 for the most expensive car insurance. But many different factors can influence your car insurance costs, including the carrier you go through, which coverages you choose, your credit history, and more. Full coverage in Georgia starts at about $97 per month from affordable carriers like Auto-Owners.

Average Georgia Car Insurance Costs by City

It's helpful to know that you can expect different car insurance rates not just from state to state, but in each city. Your town's crime and traffic rates, car values, risk of inclement weather, and other local factors all influence the cost of car insurance in the area. In Georgia, residents in Douglasville and Duluth tend to pay the most for car insurance in the entire state, at about $3,660 per year. However, residents in Woodstock pay only about $2,064 per year for car insurance, which is the lowest in the state. 

Finding Car Insurance Discounts in Georgia

Even though car insurance average costs are higher in Georgia than in many other states, you can still save money on your premiums through car insurance discounts. The availability of discounts varies by carrier, but many car insurance companies offer several different discount options. You might be able to score one or more of these common Georgia car insurance discounts:

• Paperless billing: Given to customers who sign up for paperless billing statements.
• Safe driver: Given to drivers with a clean track record with no accidents or traffic violations over the past few years.
• Student driver: Given to customers with households that have a student driver.
• Military: Given to active or even retired military members.
• Anti-theft devices: Given to customers whose vehicles are equipped with anti-theft devices that add to their security, such as an alarm.
• Other: Given when a customer belongs to a certain organization such as a union, group, or the government, or is a teacher, they may earn an additional discount on car insurance premiums.

Your Georgia independent insurance agent will ensure that your car insurance policy has all the discounts you qualify for included.

How to Find the Best Car Insurance Quote in Georgia

A Georgia independent insurance agent can easily help you find the best car insurance quote in the entire state. These agents shop and compare policies from multiple different insurance companies for you. Then they present you with only the best possible options. Work together with a Georgia independent insurance agent to find the best car insurance quote in your city today.

How to File a Car Insurance Claim in Georgia

Filing a car insurance claim in Georgia can be handled entirely by your independent insurance agent. But you can also file a car insurance claim yourself in just a few simple steps. Follow this easy guide if you ever need to file a car insurance claim in Georgia.

1. Contact local police: Make sure to contact the police right away after an accident occurs.
2. Get injuries treated: The next priority is to ensure that any injured parties get the medical attention they need.
3. Call your agent: Call up your Georgia independent insurance agent, who can handle the claims process for you.
4. Arrange for a rental: If your vehicle needs repairs, you can arrange to get a rental vehicle through your carrier.
5. Schedule an evaluation: You'll probably need to schedule a visit from an adjuster from your insurance company to evaluate your vehicle's damage.

Though a Georgia independent insurance agent can file claims for you directly through your carrier, you can also do it yourself in just a few easy steps. Keep this guide handy in case you ever need to file a car insurance claim. 

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

City	Commute time (min)	Annual insurance cost
Albany	17.8	$2,112
Alpharetta	29.0	$2,574
Atlanta	27.2	$2,208
Augusta	21.1	$2,172
Columbus	20.6	$2,574
Decatur	27.3	$2,916
Douglasville	31.2	$3,660
Duluth	31.3	$3,660
Gainesville	22.9	$2,160
Roswell	30.6	$2,496
Savannah	20.5	$2,532
Woodstock	35.9	$2,064

Popular Questions about Georgia Car Insurance