Cheapest Car Insurance in Georgia for 2025
Quick Answer
The cheapest car insurance in Georgia is Safeco’s, costing on average $1,943 annually or $162 per month for minimum coverage. The cheapest full coverage car insurance in Georgia is sold by Root and costs an average of $2,837 annually or $236 per month. However, your driving record, age, credit and other factors can all affect the cost of auto insurance in Georgia, so your rates may differ.
The cheapest car insurance in Georgia is Safeco's minimum coverage policy, at an average of $1,943 annually or $162 per month, according to Experian data from January 2025 and based on policies quoted through our automotive insurance marketplace. On average, minimum coverage auto insurance in Georgia costs $2,054 annually or $171 per month.
The cheapest full coverage car insurance in Georgia is offered by Root and costs an average of $2,837 annually or $236 per month. On average, full coverage car insurance in Georgia costs $3,245 annually or $270 per month.
Purchasing minimum coverage auto insurance gives you enough coverage to meet Georgia's basic liability insurance requirements. You can buy full coverage car insurance if you want more protection. Full coverage insurance includes comprehensive and collision coverage. If your vehicle is leased or financed, you are usually required to carry full coverage on your vehicle until your lease term ends or the vehicle is paid off.
Whether you're purchasing minimum coverage or full coverage auto insurance, your premiums can vary depending on factors such as:
- Your age (younger drivers generally pay higher rates for car insurance)
- Your driving record (incidents and violations typically raise your rates)
- Your annual mileage (driving more may mean higher premiums)
- The amount of coverage you buy
As a result, although our data on the cheapest car insurance in Georgia can provide a good general guidepost, your rates may be different. Before purchasing an auto insurance policy, take some time to compare insurance quotes from several different carriers.
Cheapest Minimum Coverage Car Insurance in Georgia
Like most states, Georgia requires drivers to carry a minimum amount of liability coverage. Liability coverage includes bodily injury liability, which helps pay for injuries you cause to someone else in an accident, and property damage liability, which covers damages you cause to someone's car or property.
You can save money by buying only the minimum liability insurance that Georgia law requires, but this might not provide enough financial protection if you're involved in an accident. Georgia requires minimum liability coverage of:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
However, an accident could cost much more, especially if it involves injuries or if someone decides to sue you. That's why insurance professionals generally recommend buying coverage of at least $100,000 per person and $300,000 per accident for bodily injuries and $100,000 for property damage.
Learn more: How Much Car Insurance Do I Need?
The table below shows the insurance companies offering the cheapest minimum coverage auto insurance policies in Georgia.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Safeco | $1,943 | $162 |
| Liberty Mutual | $2,010 | $167 |
| Clearcover | $2,182 | $182 |
| GEICO | $2,197 | $183 |
| Root | $2,204 | $184 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
Cheapest Full Coverage Car Insurance in Georgia
Full coverage auto insurance adds comprehensive and collision insurance to your liability coverage. State laws don't require full coverage insurance; however, if your car is leased or financed, your lender or lessor will generally require it to protect the vehicle.
- Comprehensive coverage pays to repair or replace your vehicle if it's damaged when you aren't driving it, such as by hail, a falling tree, vandalism or theft.
- Collision coverage pays to repair or replace your car if it's damaged due to a collision with another car, object or animal.
Learn more: What Is Full Coverage Car Insurance?
The table below shows the carriers offering the cheapest full coverage auto insurance policies in Georgia.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Root | $2,837 | $236 |
| GEICO | $3,129 | $261 |
| Liberty Mutual | $3,443 | $287 |
| Progressive | $3,487 | $291 |
| Safeco | $3,538 | $295 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Young Drivers in Georgia
Young drivers can be costly to insure—and in general, the younger the driver, the more you'll pay for car insurance. On average, teenage drivers pay $3,512 annually for auto insurance, according to 2025 Experian data. Younger drivers are statistically more likely to be involved in car accidents, Insurance Institute for Highway Safety (IIHS) data shows.
Auto insurance rates are typically highest for 16-year-olds; once your child is 25, their car insurance premiums should start to decline. Until then, you can lower your car insurance premiums by adding your child to your auto insurance instead of buying them a separate policy. Your teen's premiums will benefit from the lower insurance rates you're likely to qualify for due to years of driving experience, being married or owning a home.
In addition, many insurance carriers offer discounts on auto insurance for young drivers who maintain good grade point averages, attend college away from home without a car or successfully complete a driver safety course.
It may make sense for your young driver to have their own car insurance policy if they have a lot of accidents or moving violations on their record. In this situation, their poor driving record could cause your premiums to rise. You might save money by purchasing coverage for your child from an insurance provider catering to high-risk drivers.
The table below shows the insurance companies offering the cheapest full coverage car insurance in Georgia for drivers ages 16 to 25.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Root | $3,378 | $281 |
| Liberty Mutual | $4,131 | $344 |
| SAFECO | $4,295 | $358 |
| GEICO | $4,638 | $386 |
| Clearcover | $4,809 | $401 |
Source: Experian data as of January 2025
Note: Young drivers include those ages 16 to 25; costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Seniors in Georgia
As you get older and have more driving experience under your belt, your auto insurance rates typically drop. However, rates tend to go up again around age 70. Drivers ages 70 and up are more likely to be involved in serious car accidents, which can mean higher premiums. However, it's still possible to find cheap car insurance for seniors; some carriers even offer mature driver discounts once you reach a certain age.
The table below shows the car insurance carriers offering the cheapest full coverage car insurance for seniors (age 65 and up) in Georgia.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| GEICO | $2,314 | $193 |
| Root | $2,653 | $221 |
| Progressive | $2,938 | $245 |
| Liberty Mutual | $3,128 | $261 |
| Clearcover | $3,178 | $265 |
Source: Experian data as of January 2025
Note: Senior drivers include those ages 65 and up; costs above represent insurance quotes, not policy premiums
It makes sense to re-evaluate your auto insurance needs as you get older and your driving habits change. For example, retirees often drive less than people who commute to work. Cutting back on driving could qualify you for a low-mileage car insurance policy, which could reduce your premiums. You might also qualify for an auto insurance discount if you're a retired military servicemember or have been accident-free for a certain number of years.
Learn more: How to Buy Car Insurance as a Senior
Cheapest Car Insurance With Prior Incidents in Georgia
You can typically reduce your car insurance costs by driving safely, which can reduce your chances of having an accident or getting a traffic citation. On average, Georgia drivers with a clean driving history (no incidents or violations on their motor vehicle record) pay an average of $2,697 annually for auto insurance.
Conversely, car insurance providers may consider you a high-risk driver if your motor vehicle history includes moving violations or accidents (even those where you weren't at fault). To counteract their increased risk, insurance companies may raise your car insurance premiums. A record that includes several car accidents or serious infractions such as DUIs is likely to have a bigger impact on your auto insurance costs and could even lead your provider to cancel your policy.
Learn more: How to Get Affordable Car Insurance as a High-Risk Driver
Even without a clean driving record, however, it's possible to find affordable auto insurance. The table below shows the average cost of auto insurance in Georgia for drivers with negative marks on their driving records. (Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.)
| Driving Record | Annual Cost |
|---|---|
| Clean Record | $2,697 |
| 1 Incident | $3,021 |
| 1 Violation | $3,162 |
| 2 Incident | $3,087 |
| 2 Violations | $3,285 |
| 3+ Incidents | $3,464 |
| 3+ Violations | $3,825 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies sold through Experian's marketplace
Minimum Required Coverage in Georgia
Georgia requires drivers to maintain the following minimum required liability coverage:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Driving without insurance in Georgia can result in fines ranging from $25 to $185. Unless you reinstate your insurance coverage and pay a $25 fine for letting it lapse, your registration will be suspended.
How to Save Money on Car Insurance
The less you pay for auto insurance, the more money you'll have to put toward financial goals like buying a home or saving for a vacation. Try these ideas to save on car insurance.
Raise Your Deductible
When you file an auto insurance claim, you generally have to pay a deductible before your insurance coverage kicks in. Most insurers let you choose a deductible of $250 to $2,000. Increasing your deductible usually lowers your premiums.
Before raising your car insurance deductible, however, make sure you'll be able to pay the new, higher amount if you have to file an insurance claim. Evaluate the state of your emergency fund as well as your other financial resources. Your insurance provider can tell you how different deductible amounts will change your premiums.
Search Out Discounts
See if your current car insurance provider offers any discounts you aren't currently taking advantage of. Then check out other insurance companies' websites to find out what discounts they have available.
Popular ways to save on car insurance include bundling home and auto insurance, paying your premium upfront, setting up automatic payments or giving up paper statements. Many insurance companies also offer discounts if you get your insurance quotes online or sign documents digitally. Check with your employer and any membership organizations you belong to—they may offer discounts on car insurance, too.
Cancel Unnecessary Coverage
You may be paying for auto insurance extras that you don't really need, such as windshield replacement, roadside assistance or rental car reimbursement coverage. Doing without these add-ons could help lower your car insurance costs. For instance, if you already have roadside assistance from an automobile club or your car's manufacturer, you don't need to buy it from your car insurance company.
If you own your car outright and it's not worth very much, you can also consider canceling your collision and comprehensive coverage. The most collision and comprehensive coverage will pay out is the vehicle's value. For a car worth a few thousand dollars, it may not be worth maintaining this coverage. However, be sure you could afford to replace or repair your vehicle yourself if it were totaled.
Learn more: Top Car Insurance Discounts
Reduce Your Annual Mileage
The more miles you drive each year, the more risk you face of being involved in an auto accident. If you drive fewer than 12,000 miles per year, your risk is lessened, and many car insurance companies will discount your rates. Consider whether you can walk, carpool, bike or take public transportation more often, or if you could work remotely to avoid a commute altogether.
Typically, a low-mileage car insurance plan will monitor your mileage using self-reported or third-party odometer readings; some companies use devices installed in your car. You may also want to look into pay-per-mile car insurance. Pay-per-mile car insurance policies charge a monthly base rate plus a per-mile charge for each additional mile you drive.
Be a Safe Driver
Driving safely helps reduce your risk of accidents or traffic citations, which can also mean lower insurance premiums. Make it a goal to keep your motor vehicle record clean with no accidents or moving violations. If you're in need of a refresher on traffic rules, many insurance companies give discounts to drivers who complete an approved defensive driving or safe driving course.
Improve Your Credit
Insurance companies in most states (including Georgia) can check your credit-based insurance score when they're determining your car insurance rates. A poor score could mean paying more for auto insurance. Although credit-based insurance scores differ from consumer credit scores, they are based on much of the same data. Taking action to improve your consumer credit score could also benefit your credit-based insurance score, possibly saving you money on auto insurance.
Shop Around
Each insurance carrier uses unique criteria when setting your policy rates, which means the price you're quoted can vary widely from one insurance provider to another. Comparing quotes from several different insurance companies could help you determine which company has the lowest prices for you. Make it a habit to compare quotes from several providers at least once a year or shortly before your current car insurance policy is about to come up for renewal.
To get auto insurance quotes, you can visit insurance company websites or contact insurers directly. This can be time-consuming; for a faster way to explore your options, try Experian's free car insurance comparison tool. It collects car insurance quotes from multiple top insurance companies in Georgia, making it easy to see which provider offers the lowest rates.
Methodology
This analysis is based on a review of auto insurance policies and quotes provided through Experian's insurance marketplace. Policy premium and quote averages are based on driver data across all genders and ages unless otherwise noted.
Experian's insurance marketplace matches users with auto insurance coverage from more than 30 carriers across 50 states and Washington, D.C.
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About the author
Karen Axelton
Karen Axelton specializes in writing about business and entrepreneurship. She has created content for companies including American Express, Bank of America, MetLife, Amazon, Cox Media, Intel, Intuit, Microsoft and Xerox.
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