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Georgia auto insurance rates hang pretty close to the national average, but a lot depends on the driver themselves and the insurer they choose to work with. We did some digging into the most popular providers in the state to determine which offers the best car insurance in Georgia for several common driver profiles.
Read on to learn more about our top picks, as well as some key factors all Georgia drivers should know before getting behind the wheel.
Country Financial was our pick for the best Georgia car insurance overall because it offers comprehensive coverage with affordable rates for drivers of many backgrounds. It also has one of the highest claims satisfaction ratings of any insurer nationwide in J.D. Power's most recent U.S. Auto Claims Satisfaction Study.
Country Financial also emerged as the insurer with the cheapest average premiums in Georgia according to our data. Drivers pay about $1,763 per year on average for Country Financial auto insurance, which is well below the state's $3,009 average.
The typical female driver in Georgia with a clean record pays $2,306 for auto insurance while her male counterpart pays $2,346. Here again, Country Financial came in well under the average at $1,584 for drivers with clean records, and this insurer backs it up with flexible policies and strong claims handling.
Though Country Financial has strong claims satisfaction ratings, it was State Farm that ranked among the top providers in the Southeast region of J.D. Power's U.S. Auto Insurance Study. It also scored just behind Country Financial in claims handling and has an A rating with the Better Business Bureau.
Minimum coverage costs the average Georgia driver around $900 per year, but Progressive offers the same coverage for $447 per year. While its customer satisfaction ratings aren't as high as State Farm or Country Financial, Progressive is pretty close to the regional average, according to J.D. Power.
USAA offers competitive car insurance to military veterans in Georgia, with the average annual premium falling around $1,810. The company also offers impeccable customer service, as well as a host of other insurance and banking products. But it's only available to active-duty military members, veterans, and their family members.
Drivers with a single prior accident see average annual premiums of about $3,242 for Georgia auto insurance. But once again, Auto-Owners offers these drivers a much lower rate, charging about $1,835 per year on average.
Drivers with a less-than-perfect driving record should also get car insurance quotes in Georgia from these companies:
A single speeding ticket bumps the average Georgia auto insurance premium up to $2,767 per year. In our quote analysis, Nationwide offered these drivers the cheapest rate, coming in at $1,581 per year on average.
But the following two companies also offer low-cost car insurance in Georgia for drivers with one speeding ticket:
Young drivers face average annual premiums of $6,280, so shopping around for the cheapest car insurance in Georgia is especially important for them. Geico offers these drivers an average annual premium of $3,506 per year. This is based on the profile of an 18-year-old male driver with a clean record.
The following two companies also offered some of the best car insurance in Georgia for teens and young drivers:
Senior drivers typically pay less than the state average for Georgia auto insurance. The average 65-year-old driver with a clean record in Georgia has an annual premium of $2,066. But drivers who go with Nationwide could pay about half that. Its average premium for senior drivers was just $1,163 per year.
The following two companies also offered affordable car insurance in Georgia for seniors:
Drivers with poor credit pay about $3,375 on average for Georgia auto insurance. But if these drivers go with Geico, they could pay much less -- about $2,106 on average.
Other insurers that offer cheap Georgia auto insurance for drivers with poor credit include:
How much is car insurance in Georgia? The answer to that depends on several factors, including driving record, vehicle type, address, and more. The average Georgia auto insurance premium is $2,736 per year. That's just slightly above the national average of $2,646 per year.
|Average Rate Category
|1 accident on driving record
|1 speeding ticket on driving record
Here are a few Georgia car insurance laws all drivers should be aware of:
In Georgia, the driver who is found to be at fault in the accident is responsible for paying the medical bills and vehicle repairs for themselves and the other driver, if necessary. Expenses can easily exceed the state minimum coverage in severe accidents, so drivers should consider purchasing more than this to ensure they're fully protected.
Georgia drivers who don't have auto insurance could face the following consequences:
All drivers must carry at least the following Georgia minimum car insurance coverage:
Georgia drivers must have at least:
In addition, drivers must have at least $25,000 in property damage liability coverage to pay for another person's property they damage in an accident.
If you want the cheapest car insurance in Georgia, here are a few things you can try:
Here are a few other things drivers should bear in mind when looking for Georgia auto insurance:
Nearly 24,000 vehicles were stolen in Georgia in 2019, according to the Insurance Information Institute. This is the fifth-most in the country. State minimum coverage won't help you in this situation. If you want your vehicle protected against theft, you must purchase comprehensive car insurance coverage as well. This also insures your vehicle against animal-vehicle collisions, storm damage, and more.
The state minimum auto insurance coverage is designed to protect other drivers from you. It doesn't offer you any protection if you cause an accident. Drivers need to add collision coverage if they don't want to pay out of pocket for their vehicle's repairs. It's also a good idea to add uninsured and underinsured motorist coverage. This protects drivers if they're hit by someone else who doesn't have insurance or who doesn't have enough to cover all the damages.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
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