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Cheapest Georgia Auto Insurance Quotes

Enter your Georgia zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 21, 2019

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The words “cheap” and “insurance” really should not be used together, especially when looking for the best price on coverage in Georgia. Because it’s not cheap, let’s take a look at a few of the factors that impact auto insurance rates, and see if you can cut the cost of the next policy you buy.

The make and model of vehicle requiring insurance is probably the most important factor when comparing quotes for the lowest-priced insurance in Georgia. Vehicles with reasonable performance levels, an excellent safety record, or low incidents of liability claims will cost quite a bit less to insure than high performance models.

The tables below outlines insurance costs for a selection of the most cost-effective vehicles to insure in Georgia.

Car Insurance Rates for Popular Cars in Georgia
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $1,190 $595 $99
Ford Focus SES 4-Dr Sedan $1,230 $615 $103
Honda Accord LX 4-Dr Sedan $1,004 $502 $84
Honda Civic Hybrid 4-Dr Sedan $1,292 $646 $108
Hyundai Elantra SE 4-Dr Sedan $1,262 $631 $105
Hyundai Sonata SE 4-Dr Sedan $1,332 $666 $111
Kia Optima SX $1,362 $681 $114
Toyota Corolla S $1,262 $631 $105
Volkswagen Jetta 2.0T Station Wagon $1,210 $605 $101
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in specific Georgia garaging location which can decrease or increase auto insurance rates greatly.

Auto Insurance Rates for Popular SUVs and Crossovers in Georgia
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Cadillac Escalade Hybrid 4WD $1,674 $837 $140
Chevrolet Traverse LT 2WD $1,066 $533 $89
Ford Escape XLT 2WD $1,004 $502 $84
Ford Explorer Eddie Bauer 2WD $1,118 $559 $93
GMC Acadia SLT 2WD $1,190 $595 $99
Honda CR-V LX 2WD $1,004 $502 $84
Honda Pilot LX 2WD $1,118 $559 $93
Jeep Grand Cherokee Laredo 2WD $1,190 $595 $99
Jeep Patriot Sport 2WD $1,086 $543 $91
Kia Sportage EX 4WD 4-Dr $1,190 $595 $99
Nissan Pathfinder S 2WD $1,086 $543 $91
Toyota Highlander Sport 4WD $1,220 $610 $102
Toyota RAV4 Sport 2WD $1,190 $595 $99
Volvo XC90 3.2 AWD $1,398 $699 $117
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific zip code location which can lower or raise price quotes noticeably.

Insurance Rates for Popular Pickup Trucks in Georgia
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $1,158 $579 $97
Chevrolet Silverado LT Extended Cab 2WD $1,260 $630 $105
Dodge Ram 3500 Crew Cab SLT 2WD $1,428 $714 $119
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,394 $697 $116
Ford F-150 Lariat Super Cab 2WD $1,220 $610 $102
GMC Canyon SLE Ext Cab 2WD $1,158 $579 $97
GMC Sierra 2500HD SLE Extended Cab 2WD $1,436 $718 $120
GMC Sierra SLE Regular Cab 2WD $1,190 $595 $99
Toyota Tacoma 2WD $1,158 $579 $97
Toyota Tundra Limited Double Cab 2WD $1,362 $681 $114
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in specific location which can impact coverage rates noticeably.

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Comparing rates for reasonably-priced car insurance is confusing at best, and deciding which company has the most affordable insurance rates in Georgia calls for even more perseverance. Every car insurance company uses their own method to establish rates, so first let’s look at the rankings for the lowest cost insurance companies in Georgia.

It’s a good idea to be aware that Georgia insurance rates are calculated based on many things that will increase or decrease the price of your policy. This price variability is why it is crucial to do a thorough rate comparison when trying to find cheap auto insurance quotes in Georgia. Car insurance prices are made up of many things and can change without notice, so the best company three years ago may now be priced much higher than other options.

Enter your zip code below to view companies that have cheap auto insurance rates.

Georgia auto insurance company rankings
Rank Company Cost Per Year
1 Auto-Owners $830
2 The Hartford $895
3 USAA $1,008
4 Central Mutual $1,157
5 MetLife $1,276
6 Travelers $1,292
7 Georgia Farm Bureau $1,312
8 Safeco $1,397
9 Mercury $1,411
10 Country $1,419
11 State Farm $1,446
12 Allied $1,467
13 California Casualty $1,531
14 Encompass $1,639
15 Progressive $1,721
16 Nationwide $1,901
17 Liberty Mutual $1,984
18 Allstate $2,202
19 GEICO $2,209
20 Victoria $2,509
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Auto-Owners quotes some of the most affordable car insurance rates in Georgia at around $830 a year. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the cheapest Georgia insurance companies.

As depicted above, if you are a policyholder with Central Mutual and switched to Auto-Owners, you could realize savings of upwards of $327. Georgia drivers with MetLife could save as much as $446 a year, and Travelers customers might lower prices by up to $462 a year.

Understand that those prices are averaged for all drivers and vehicles and and are not figured with a rate discount in Georgia. So the insurer that fits your situation best may not even be in the above list. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

Enter your zip code below to view companies that have cheap auto insurance rates.

Full coverage versus liability only rates

Finding the cheapest Georgia auto insurance quotes is probably important to the majority of drivers, and one good way to find cheaper insurance is to not pay for full coverage. The diagram below shows the difference between annual premium costs with full coverage compared to only the Georgia minimum liability coverage. The costs are based on no violations or claims, $100 deductibles, drivers are single, and no other discounts are factored in.

Averaged for all age groups, physical damage coverage costs $3,016 per year over and above liability only. A very common question is if paying for full coverage is a waste of money. There is no definitive formula for phasing out physical damage insurance, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s say your vehicle’s book value is $11,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $10,500 after paying your deductible. If it’s costing in excess of $1,050 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some conditions where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should maintain full coverage.

Discounts on the cheapest Georgia auto insurance quotes

Cheaper Georgia insurance for drivers in GeorgiaCar insurance companies that sell policies in Georgia may also offer price discounts that could reduce prices by 35% or more if you qualify for them. Large insurance companies and a selection of discounts are outlined below.

  • State Farm includes discounts for passive restraint, defensive driving training, student away at school, accident-free, and multiple autos.
  • American Family may have discounts that include early bird, air bags, Steer into Savings, TimeAway discount, and defensive driver.
  • AAA has discounts for multi-car, AAA membership discount, good driver, multi-policy, education and occupation, anti-theft, and pay-in-full.
  • GEICO offers discounts for anti-theft, multi-vehicle, good student, seat belt use, federal employee, and daytime running lights.
  • Mercury Insurance policyholders can earn discounts including age of vehicle, anti-theft, accident-free, low natural disaster claims, multi-car, annual mileage, and type of vehicle.
  • Farmers Insurance offers premium reductions for bundle discounts, alternative fuel, business and professional, pay in full, distant student, good student, and homeowner.
  • Progressive may include discounts for good student, multi-policy, online quote discount, multi-vehicle, continuous coverage, and homeowner.

The chart below illustrates the difference between car insurance costs with and without some available policy discounts. The premiums assume a male driver, no driving violations, no at-fault accidents, Georgia state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with marriage, claim-free, safe-driver, accident-free, multiple policy, and multiple vehicle discounts applied. When drivers qualify for the discounts, the average savings per year on insurance in Georgia is 28% or $513.

The information below shows how different deductible levels can change annual premium costs when researching cheap insurance in Georgia. The rates are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

As shown above, a 50-year-old driver could reduce rates by $274 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $414 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, can save as much as $912 or even more just by using higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

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