Luis Pazos 
Not long ago, Georgia was one of the cheapest states for car insurance in America. Recently, things have changed. Now, the average yearly cost for full coverage car insurance in Georgia is $1,555, while state-minimum coverage averages $801 annually. Teen drivers face even higher costs, averaging $4,930 a year. This makes it more important than ever to shop around for the best car insurance deals in Georgia.
Luckily, there are plenty of companies to choose from. The key is to find the best balance of comprehensive coverage and reasonable premiums. We’ve narrowed it down to seven companies that stand out for providing great car insurance at lower-than-average costs in Georgia.
To figure out which one is right for you, get quotes from multiple companies. You can use our partner’s quote tool to compare rates easily.
Much like health insurance, car insurance can be tricky to navigate. While it’s natural to look for the lowest premiums, don’t cut corners on coverage. You never know when you might need that coverage, and it’s important to make sure it meets your needs.
Here are some tips for buying car insurance:
- Don’t use price as your only criteria. Make sure the coverage is adequate, especially if you have significant assets.
- Get quotes from several companies to compare.
- Bundle your policies, like home and auto, to get discounts.
Here are the seven companies we recommend for car insurance in Georgia:
- Auto-Owners: They offer a wide range of options and the lowest average premiums. Their customer service and financial strength are top-rated.
- Travelers: Known for a variety of options and discounts, their premiums are competitive, though their customer satisfaction scores could be better.
- Georgia Farm Bureau: They have high customer satisfaction and competitive rates, though their financial strength rating is the lowest on our list.
- Safeco: Offers many discounts and policy options but doesn’t stand out in any specific category.
- MetLife: They have low average premiums and good policy options but rank lower in customer satisfaction.
- State Farm: The largest car insurance company with many discounts and strong customer satisfaction.
- Progressive: Known for numerous discounts and innovative tools but could improve in customer satisfaction.
Special Mention: USAA is great for current and former military members and their families, offering low premiums and excellent customer satisfaction.
When choosing car insurance, consider policy options, discounts, premiums, customer satisfaction, and financial strength of the insurer. It’s crucial to balance cost with coverage to make sure you’re not left vulnerable.
In Georgia, the minimum car insurance requirements are:
- $25,000 for injury or death to one person
- $50,000 for injury or death to multiple people
- $25,000 for property damage
Optional coverages include collision, comprehensive, uninsured/underinsured motorist, and gap coverage. If you finance a vehicle, the lender will often require some of these optional coverages.
Driving without insurance in Georgia can lead to heavy fines, jail time, a suspension of your license, and your vehicle might be impounded. It’s mandatory to have at least the minimum coverage.
Even though basic coverage meets state requirements, it doesn’t cover damage to your own car in an accident where you’re at fault. Collision and comprehensive coverage are recommended, especially if your vehicle is valuable or if you have a loan.
To sum up, while Georgia no longer has the cheapest car insurance, there are still ways to find affordable and reliable coverage by shopping around and considering multiple factors.
