Best Auto Insurance in Georgia (2025)
Compare top-rated auto insurance companies in Georgia. Find affordable coverage that meets GA state requirements and save up to 40% on your premium.
$1,777
Avg. Annual Premium
25/50/25
Minimum Coverage
Atlanta
Largest City
10.8 million
Population
Georgia Auto Insurance Requirements
Georgia requires drivers to carry proof of insurance at all times while operating a vehicle.
Minimum Liability Coverage: 25/50/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Georgia
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Georgia can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Georgia use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Georgia Auto Insurance FAQs
What is the minimum auto insurance required in Georgia?
Georgia requires minimum liability coverage of 25/50/25 (bodily injury per person/per accident/property damage). Georgia requires drivers to carry proof of insurance at all times while operating a vehicle.
How much does car insurance cost in Georgia?
The average annual car insurance premium in Georgia is $1,777. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Georgia?
Key factors affecting Georgia auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Atlanta typically pay more than those in rural areas.
How can I find cheap car insurance in Georgia?
To find affordable car insurance in Georgia: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
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