Cheapest Car Insurance in Georgia

When it comes to car insurance, finding the best coverage at an affordable price is a top priority for many Georgia residents. Whether you’re an expert or a teen new to driving, you can save a lot of money if you know where to find the cheapest car insurance in Georgia.

The average cost of auto insurance in Georgia is $1,638 per year for full coverage, ranking the Peach State among the ten most expensive insurance states in the US. You can find the best and most economical auto insurance in the state by comparing quotes. In this article, Beem will help you explore the options for affordable auto insurance in the Peach State.

What is the Cheapest Car Insurance in Georgia?

The cost of car insurance in Georgia can vary widely based on several factors, including your age, driving history, location, and the type of coverage you need. To help you identify the cheapest car insurance companies in the state, we’ve conducted thorough research and analysis, considering various customer reviews, industry ratings, and pricing data.

Here are the top three cheapest car insurance companies in Georgia

• GEICO: GEICO consistently ranks as one of Georgia’s most affordable car insurance options. Their competitive rates and various discount opportunities make it a popular choice among residents looking to save on their premiums.
• Progressive: Progressive offers competitive rates and a variety of coverage options, making it an appealing choice for Georgia drivers on a budget. They also provide discounts for safe driving and bundling policies.
• State Farm: State Farm combines competitive rates with excellent customer service, making it a reliable choice for affordable coverage in Georgia. They offer discounts for good drivers and have a strong presence throughout the state.

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How We Chose the Cheapest Companies in Georgia

To determine the cheapest car insurance companies in Georgia, we considered several key factors:

• Pricing: We examined the average annual premiums various insurance providers offer for different driver profiles and coverage levels.
• Customer Reviews: We considered customer satisfaction ratings and reviews to assess the overall customer experience with each insurer.
• Discounts: We evaluated the available discounts, such as safe driving discounts, multi-policy discounts, and more, to identify opportunities for cost savings.
• Financial Stability: We considered the financial strength and stability of the insurance companies to ensure they can meet their obligations in the event of a claim.
• Coverage Options: We assessed the variety of coverage options each insurer offers, allowing consumers to tailor their policies to their specific needs.
• Accessibility: We looked at the availability of local offices, online resources, and customer support to determine how accessible and convenient each insurer is for Georgia residents.

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Cheap Car Insurance in Georgia

While the three companies mentioned above tend to offer some of the most affordable rates in Georgia, it’s essential to remember that your circumstances will play a significant role in determining your specific premiums. To find the cheapest car insurance for your situation, consider the following tips:

• Shop Around: Get quotes from multiple insurance providers to compare prices and coverage options. What’s cheapest for one person may be different for another. Get up to 40% off on affordable car insurance with Beem.
• Maintain a Clean Driving Record: Safe driving can lead to lower premiums over time. Avoid accidents and traffic violations to qualify for discounts.
• Bundle Your Policies: If you have multiple insurance needs, such as home or renters insurance, bundling them with one provider can often lead to significant discounts.
• Raise Your Deductible: Increasing your deductible can lower your premium, but be sure you can afford the higher out-of-pocket expense if you need to file a claim.
• Ask About Discounts: Inquire about all available discounts, including those for good students, safe drivers, and anti-theft devices.

Georgia Rates for Teen Drivers

Teen drivers often face higher insurance premiums due to their limited experience and increased risk. If you have a teenage driver in your household, here are some strategies to help reduce the cost of their insurance:

• Driver’s Education: Encourage your teen to complete a driver’s education course, as this can qualify them for discounts.
• Good Student Discounts: Many insurers offer discounts to students with good grades. Ensure your teen maintains a high GPA to take advantage of this opportunity.
• Choose a Safe Vehicle: The type of car your teen drives can impact their insurance rates. Opt for a safe and reliable vehicle with good safety features.
• Add Them to Your Policy: Adding your teen to your existing policy is often more cost-effective than purchasing a separate policy.

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Cheapest for 20-year-old drivers

Car insurance rates can be exceptionally high for 20-year-old drivers due to their limited driving experience. However, some insurance companies offer more affordable options for young drivers. Here are some insights into the cheapest car insurance for 20-year-olds in Georgia based on various scenarios:

Cheapest full coverage car insurance in Georgia for 20-year-olds

For 20-year-olds looking for full car insurance, balancing cost with comprehensive coverage is essential. Companies like GEICO, Progressive, and State Farm may offer competitive rates for full coverage policies. However, individual rates can vary significantly based on factors like location and driving history.

Cheapest minimum coverage car insurance in Georgia for 20-year-olds

If you’re on a tight budget and only need minimum coverage to meet Georgia’s legal requirements, you can explore options with companies like SafeAuto or Dairyland. Remember that minimum coverage typically includes liability insurance, which covers damage you may cause to others in an accident but not damage to your vehicle.

Cheapest auto insurance in Georgia for 20-year-olds with poor credit

Having poor credit can result in higher insurance rates. However, some companies may be more forgiving. It’s worth getting quotes from insurers like GEICO, Progressive, or Allstate, as they may offer more competitive rates for young drivers with less-than-perfect credit.

Cheapest auto insurance in Georgia for 20-year-olds with one speeding ticket

A speeding ticket can impact your insurance premiums, but it doesn’t mean you can’t find affordable coverage. Shop around with insurers like GEICO, Progressive, or Nationwide, as they may offer reasonable rates for 20-year-olds with one speeding ticket on their record.

Cheapest auto insurance in Georgia for 20-year-olds with one at-fault crash

An at-fault crash on your record can significantly increase your insurance rates, but some companies might still offer competitive rates. Consider getting quotes from companies like State Farm, Allstate, or Farmers, as they may be more accommodating for 20-year-olds with one at-fault accident.

Cheapest auto insurance in Georgia for 20-year-olds after a DUI

Getting a DUI can result in some of the highest insurance premiums, especially for young drivers. However, it’s crucial to maintain insurance coverage even with a DUI conviction. SR-22 insurance may be required in Georgia, and you may find relatively better rates with companies like Progressive, GEICO, or The General, which specialize in high-risk drivers.

Cheapest for 30-year-old drivers

At 30, insurance rates generally decrease due to a more established driving history and potentially improved credit scores. However, the cost of auto insurance can still vary significantly based on individual factors and the type of coverage you require.

Cheapest full coverage car insurance in Georgia for 30-year-olds

Several well-known insurance companies offer competitive rates for 30-year-olds seeking full coverage car insurance in Georgia. Companies like GEICO, State Farm, Progressive, and Allstate often provide affordable options for full coverage policies. To get the best rate, comparing quotes from multiple insurers is essential.

Cheapest minimum coverage car insurance in Georgia for 30-year-olds

Suppose you’re looking for minimum coverage insurance in Georgia, which typically includes liability coverage to meet the state’s legal requirements. In that case, you can explore options with companies like SafeAuto, Dairyland, or Georgia Farm Bureau. Remember that while minimum coverage is the cheapest option, it offers limited protection and may not cover damage to your vehicle in an accident.

Cheapest auto insurance in Georgia for 30-year-olds with poor credit

Having poor credit can still affect your insurance rates, even at 30. However, some insurers may offer better rates to 30-year-olds with poor credit than younger drivers. Obtaining quotes from companies like GEICO, Progressive, or Allstate is advisable, as they often have competitive rates for drivers with less-than-perfect credit.

Cheapest auto insurance in Georgia for 30-year-olds with one speeding ticket

A single speeding ticket typically has a smaller impact on insurance rates for 30-year-olds compared to younger drivers. Companies like State Farm, Nationwide, and Farmers may offer reasonable rates for 30-year-olds with one speeding ticket on their record.

Cheapest auto insurance in Georgia for 30-year-olds with one at-fault crash

While an at-fault accident can still raise your rates, 30-year-olds often see less increase than younger drivers. Consider obtaining quotes from insurers like State Farm, Allstate, or Farmers, as they may offer competitive rates for 30-year-olds with one at-fault accident on their record.

Cheapest auto insurance in Georgia for 30-year-olds after a DUI

While DUI convictions can severely affect insurance premiums, 30-year-olds may have more options and potentially lower rates than younger drivers with similar convictions. Maintaining insurance coverage is essential, and you may find relatively better rates with companies specializing in high-risk drivers, such as Progressive, GEICO, or The General.

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Cheapest for 40-year-old drivers

Cheapest full coverage car insurance in Georgia for 40-year-olds

Many established insurance companies offer competitive rates for 40-year-olds looking for full coverage car insurance in Georgia. Companies like GEICO, State Farm, Progressive, and Allstate often provide affordable options for full coverage policies. It’s crucial to compare quotes to find the best rate for your specific needs.

Cheapest minimum coverage car insurance in Georgia for 40-year-olds

Suppose you’re seeking minimum coverage insurance in Georgia, which typically includes liability coverage to meet the state’s legal requirements. In that case, you can explore options with companies like SafeAuto, Dairyland, or Georgia Farm Bureau. Remember that minimum coverage is the most affordable option but offers limited protection.

Cheapest auto insurance in Georgia for 40-year-olds with poor credit

Poor credit can still impact your insurance rates at age 40, but you may have more options and lower rates than younger drivers with similar credit issues. Getting quotes from companies like GEICO, Progressive, or Allstate is advisable, as they often have competitive rates for drivers with less-than-perfect credit.

Cheapest auto insurance in Georgia for 40-year-olds with one speeding ticket

A single speeding ticket typically has a smaller impact on insurance rates for 40-year-olds compared to younger drivers. Companies like State Farm, Nationwide, and Farmers may offer reasonable rates for 40-year-olds with one speeding ticket on their record.

Cheapest auto insurance in Georgia for 40-year-olds with one at-fault crash

While an at-fault accident can still raise your rates, 40-year-olds generally see less of an increase compared to younger drivers. Consider obtaining quotes from insurers like State Farm, Allstate, or Farmers, as they may offer competitive rates for 40-year-olds with one at-fault accident on their record.

Cheapest auto insurance in Georgia for 40-year-olds after a DUI

While a DUI conviction can significantly impact insurance premiums, 40-year-olds may have more options and potentially lower rates compared to younger drivers with similar convictions. Maintaining insurance coverage is crucial, and you may find relatively better rates with companies specializing in high-risk drivers, such as Progressive, GEICO, or The General.

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Cheapest for 50-year-old drivers

Cheapest full coverage car insurance in Georgia for 50-year-olds

Many reputable insurance companies offer competitive rates for 50-year-olds seeking full coverage car insurance in Georgia. Companies like GEICO, State Farm, Progressive, and Allstate often provide affordable options for full coverage policies. It’s essential to compare quotes to find the best rate for your specific needs.

Cheapest minimum coverage car insurance in Georgia for 50-year-olds

Suppose you’re looking for minimum coverage insurance in Georgia, which typically includes liability coverage to meet the state’s legal requirements. In that case, you can explore options with companies like SafeAuto, Dairyland, or Georgia Farm Bureau. Minimum coverage is the most affordable option but offers limited protection.

Cheapest auto insurance in Georgia for 50-year-olds with poor credit

Poor credit can still affect your insurance rates at age 50, but you may have more options and potentially lower rates than younger drivers with similar credit issues. Obtaining quotes from companies like GEICO, Progressive, or Allstate is advisable, as they often have competitive rates for drivers with less-than-perfect credit.

Cheapest auto insurance in Georgia for 50-year-olds with one speeding ticket

A single speeding ticket typically has a smaller impact on insurance rates for 50-year-olds compared to younger drivers. Companies like State Farm, Nationwide, and Farmers may offer reasonable rates for 50-year-olds with one speeding ticket on their record.

Cheapest auto insurance in Georgia for 50-year-olds with one at-fault crash

While an at-fault accident can raise your rates, 50-year-olds generally see less of an increase compared to younger drivers. Consider obtaining quotes from insurers like State Farm, Allstate, or Farmers, as they may offer competitive rates for 50-year-olds with one at-fault accident on their record.

Cheapest auto insurance in Georgia for 50-year-olds after a DUI

A DUI conviction can have severe consequences on insurance premiums, but 50-year-olds may have more options and potentially lower rates compared to younger drivers with similar convictions. Maintaining insurance coverage is crucial, and you may find relatively better rates with companies specializing in high-risk drivers, such as Progressive, GEICO, or The General.

Cheapest for 60-year-old drivers

Cheapest full coverage car insurance in Georgia for 60-year-olds

Many reputable insurance companies offer competitive rates for 60-year-olds seeking full coverage car insurance in Georgia. Companies like GEICO, State Farm, Progressive, and Allstate often provide affordable options for full coverage policies. It’s essential to compare quotes to find the best rate for your specific needs.

Cheapest minimum coverage car insurance in Georgia for 60-year-olds

Suppose you’re looking for minimum coverage insurance in Georgia, which typically includes liability coverage to meet the state’s legal requirements. In that case, you can explore options with companies like SafeAuto, Dairyland, or Georgia Farm Bureau. Minimum coverage is the most affordable option but offers limited protection.

Cheapest auto insurance in Georgia for 60-year-olds with poor credit

At age 60, your extensive driving experience may outweigh any potential impact of poor credit on your insurance rates. However, obtaining quotes from companies like GEICO, Progressive, or Allstate is advisable, as they often have competitive rates for drivers with less-than-perfect credit.

Cheapest auto insurance in Georgia for 60-year-olds with one speeding ticket

A single speeding ticket typically has a minimal impact on insurance rates for 60-year-olds. Companies like State Farm, Nationwide, and Farmers may offer reasonable rates for 60-year-olds with one speeding ticket on their record.

Cheapest auto insurance in Georgia for 60-year-olds with one at-fault crash

While an at-fault accident can raise your rates, 60-year-olds often see a lesser increase compared to younger drivers. Consider obtaining quotes from insurers like State Farm, Allstate, or Farmers, as they may offer competitive rates for 60-year-olds with one at-fault accident on their record.

Cheapest auto insurance in Georgia for 60-year-olds after a DUI

A DUI conviction can have severe consequences on insurance premiums, but 60-year-olds may have more options and potentially lower rates compared to younger drivers with similar convictions. Maintaining insurance coverage is crucial, and you may find relatively better rates with companies specializing in high-risk drivers, such as Progressive, GEICO, or The General.

Cheapest for 70-year-old drivers

Cheapest full coverage car insurance in Georgia for 70-year-olds

Many established insurance companies offer competitive rates for 70-year-olds seeking full coverage car insurance in Georgia. Companies like GEICO, State Farm, Progressive, and Allstate often provide affordable options for full coverage policies. It’s essential to compare quotes to find the best rate for your specific needs.

Cheapest minimum coverage car insurance in Georgia for 70-year-olds

Suppose you’re looking for minimum coverage insurance in Georgia, which typically includes liability coverage to meet the state’s legal requirements. In that case, you can explore options with companies like SafeAuto, Dairyland, or Georgia Farm Bureau. Minimum coverage is the most affordable option but offers limited protection.

Cheapest auto insurance in Georgia for 70-year-olds with poor credit

At age 70, your extensive driving experience and excellent credit score should contribute to more affordable insurance rates. Nevertheless, obtaining quotes from companies like GEICO, Progressive, or Allstate is advisable, as they often have competitive rates for drivers with less-than-perfect credit.

Cheapest auto insurance in Georgia for 70-year-olds with one speeding ticket

A single speeding ticket typically has a minimal impact on insurance rates for 70-year-olds. Companies like State Farm, Nationwide, and Farmers may offer reasonable rates for 70-year-olds with one speeding ticket on their record.

Cheapest auto insurance in Georgia for 70-year-olds with one at-fault crash

While an at-fault accident can raise your rates, 70-year-olds often see a lesser increase than younger drivers. Consider obtaining quotes from insurers like State Farm, Allstate, or Farmers, as they may offer competitive rates for 70-year-olds with one at-fault accident on their record.

Cheapest auto insurance in Georgia for 70-year-olds after a DUI

A DUI conviction can significantly impact insurance premiums, but 70-year-olds may have more options and potentially lower rates compared to younger drivers with similar convictions. Maintaining insurance coverage is crucial, and you may find relatively better rates with companies specializing in high-risk drivers, such as Progressive, GEICO, or The General.

How Much Is Full Coverage Car Insurance in Georgia?

If you’re a driver in Georgia, understanding the cost of car insurance is crucial for financial planning. Car insurance rates vary based on factors like your age, driving history, location, and the type of coverage you choose. Now let’s explore how much full coverage car insurance and liability-only coverage cost in Georgia, along with some essential information about car insurance requirements and tips for finding affordable coverage.

Average Annual Car Insurance Rates in Georgia by Company

Car insurance rates can differ significantly from one insurance provider to another. Here are the average annual car insurance rates in Georgia for 2023. Keep in mind that these rates can change, and your circumstances may lead to higher or lower premiums:

How Much Is Liability-Only Coverage Car Insurance in Georgia?

If you’re looking for the minimum required car insurance in Georgia, which typically includes liability coverage, the cost can be significantly lower than full coverage. Liability insurance covers the costs of injuries and property damage you cause to others in an accident but does not cover damage to your vehicle.

The average annual cost of car insurance in Georgia is $2,085 for full coverage and $639 for minimal coverage. Again, these rates are averages, and the actual cost will depend on factors like your driving record and location.

Minimum Car Insurance Requirements in Georgia

Georgia law mandates that all drivers carry a minimum level of auto insurance. The minimum requirements include:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident
• Property Damage Liability: $25,000 per accident

While these are the minimum requirements, many drivers opt for higher coverage limits to provide better protection in the event of a severe accident.

Tips for How to Get Cheap Car Insurance in Georgia

Getting affordable car insurance in Georgia is possible with some strategic choices. Here are some tips to help you lower your premiums:

• Shop Around: Compare quotes from multiple insurance companies to find the best rate for your needs.
• Bundle Policies: Consider bundling your auto insurance with other policies like home or renters insurance for potential discounts.
• Maintain a Clean Driving Record: Safe driving and avoiding accidents or traffic violations can help keep your rates low.
• Ask About Discounts: Inquire about discounts for safe driving, good grades (if applicable), anti-theft devices, and more.
• Increase Deductibles: Raising your deductible can lower your premium, but be sure you can afford the higher out-of-pocket expense if you need to make a claim.
• Drive a Safe Vehicle: Safety features and a vehicle’s crash test rating can influence your insurance rates.
• Improve Your Credit Score: A better credit score can lead to lower insurance rates.

No-Fault Insurance in Georgia

Georgia did not have a traditional no-fault insurance system. Georgia operated under a fault-based or tort system for auto insurance. In a fault-based system, the at-fault driver’s insurance company covers the damages and injuries resulting from an accident.

However, it’s important to note that insurance laws and regulations can change, and states may update their insurance systems. To get the most accurate and up-to-date information on Georgia’s insurance laws and whether any changes have been made to their system, it’s recommended that you consult the Georgia Department of Insurance or a licensed insurance agent in the state.

Remember that even in states with traditional fault-based systems, insurance policies often include personal injury protection (PIP) or medical payments (MedPay) coverage options that can provide some no-fault coverage for medical expenses regardless of who was at fault in an accident. Check your insurance policy for details on these coverages.

Conclusion

Understanding the cost of car insurance in Georgia is essential for responsible vehicle ownership. The price of your coverage will depend on various factors, including the type of coverage you choose, your driving history, and your location. By shopping around and considering the abovementioned tips, you can find affordable car insurance that meets your needs. Till then, stay on top of the best car insurance rates with personalized quotes and the best deals up to 40% off with Beem. 

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