Shopping for auto insurance in Georgia may seem overwhelming, with dozens of national and local providers with abundant coverage and discount options. While finding affordable rates may be a priority for some Georgia drivers, getting customization options for better financial protection may be the top concern for others.
To help you find the best car insurance in Georgia for your situation, Reviews compared some of the largest Georgia car insurance companies on the basis of factors like coverage options, discounts, average rates, and third-party agency ratings for customer satisfaction and financial strength. Based on our study of available data, we determined that the best Georgia car insurance companies may include USAA, State Farm, Geico, and Allstate, depending on your situation and preferences.
4 Best Auto Insurance Companies in Georgia
- USAA: Best for Military-Focused Coverage
- State Farm: Best for Young Drivers
- Geico: Best for Discounts
- Allstate: Best for Optional Coverage
Compare the Best Georgia Auto Insurance Companies
| Average Annual Full Coverage Premium* | Average Annual Minimum Coverage Premium* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | 2021 J.D. Power Claim Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin USAA** | $1,506 | $581 | A++ (Superior) | 909/1,000 | |
| Pin State Farm | $1,375 | $486 | A++ (Superior) | 892/1,000 | |
| Pin Geico | $1,711 | $508 | A++ (Superior) | 881/1,000 | |
| Pin Allstate | $1,718 | $706 | A+ (Superior) | 870/1,000 |
Information accurate as of December 2021
*Data provided by Bankrate.com
**USAA not officially ranked by J.D. Power due to eligibility restrictions
USAA
USAA is widely considered to be one of the top insurance companies based on its standings in J.D. Power auto insurance studies and ratings for financial strength, among other factors. However, you must be current or formerly active-duty military or an immediate family member to qualify for coverage. Georgia drivers who meet these eligibility requirements may benefit from USAA’s competitive rates, excellent customer service, and policies geared towards the military lifestyle. However, USAA does not have as many add-on coverages as some other providers we reviewed, which is something to keep in mind if you are looking to customize coverage.
Best for Military-Focused Coverage
Why we chose it
Why we chose it
Pros
- Highest J.D. Power score for auto claims satisfaction
- Affordable policies, based on average annual rates
- Coverage geared towards the military lifestyle
Cons
- Eligibility restrictions limit availability
- Limited local agents
DISCOUNTS AVAILABLE
- Family discount
- New vehicle
- Low annual mileage
- Safe driver
- Vehicle storage
- Length of membership
- Military installation
- Claim-free
ADD-ON COVERAGES
- Personal injury protection (where allowed)
- Extended benefits coverage
- Roadside assistance
- Rental car reimbursement
- Accident forgiveness
USAA INSURANCE REVIEW
*USAA not officially ranked by J.D. Power due to eligibility restrictions
State Farm
State Farm is the largest car insurance company on the market, according to the latest available data from the Insurance Information Institute. It may be considered a popular option for car insurance throughout the U.S., likely due to its high customer satisfaction ratings, extensive agent network, discounts, and reputability for financial strength. State Farm has limited add-on coverage options, but it may be a particularly good choice for teen drivers, given the company’s focus on young driver discounts.
Best for Young Drivers
Why we chose it
Why we chose it
Pros
- Exceptional third-party ratings for financial strength and customer satisfaction
- Large network of 19,000 agents
- Many discounts, including those for young drivers
Cons
- Limited available add-on coverage options
DISCOUNTS AVAILABLE
- Drive Safe and Save program
- Steer Clear program
- Accident-free
- Good student
- Student away at school
- Driver training course
ADD-ON COVERAGES
- Rental car and travel expenses coverage
- Roadside assistance coverage
- Rideshare driver coverage
STATE FARM INSURANCE REVIEW
Geico
Geico is a household name in car insurance and sells coverage in all 50 states and Washington, D.C. The company has the most affordable average annual rates among providers we reviewed for Georgia, and drivers may be able to take advantage of abundant, generous discounts to get an even lower premium. The biggest downside of Geico is that the coverage options are more limited than other national insurers, so it may be a better option for drivers who just need a basic policy.
Best for Discounts
Why we chose it
Why we chose it
Pros
- Competitive average annual rates
- Numerous discounts
- Highly-rated mobile app
Cons
- Limited coverage options
DISCOUNTS AVAILABLE
- Good student
- Federal employee
- Military
- Emergency deployment
- Claim-free
- Good driver
- Vehicle safety features
ADD-ON COVERAGES
- Roadside assistance
- Rental car reimbursement
- Mechanical breakdown coverage
GEICO INSURANCE REVIEW
Allstate
Overall, Allstate has several positive aspects about its auto insurance offerings. The average rates are slightly higher compared to our other top picks for Georgia, but discounts and coverage customizations may result in affordable, complete financial protection for drivers in the Peach State. Allstate offers a variety of optional coverages for drivers who want to build a tailored policy. Allstate has a solid financial strength rating from AM Best, but its claim satisfaction rating from J.D. Power is below average for 2021.
Best for Optional Coverage
Why we chose it
Why we chose it
Pros
- Multiple add-on coverages
- Variety of discounts and savings programs available
- Superior financial strength rating from AM Best
Cons
- Higher-than-average annual full coverage premiums
- Below-average J.D. Power claim satisfaction rating
DISCOUNTS AVAILABLE
- Drivewise program
- Deductible rewards program
- Smart student
- New car
- Responsible payer
- Early signing
ADD-ON COVERAGES
- Custom equipment coverage
- Roadside assistance
- Rental reimbursement coverage
- Personal umbrella coverage
- New car replacement coverage
- Accident forgiveness
ALLSTATE INSURANCE REVIEW
Average Cost of Auto Insurance in Georgia
The average car insurance premium in Georgia is $1,982 per year for a full coverage policy, according to 2021 data from Bankrate.com. In comparison, car insurance in Georgia is much more expensive than the United States national average. Nationally, drivers pay an average of $1,674 per year for full coverage auto insurance.
However, these rates reflect average premiums based on rate data from Bankrate.com. In Georgia, every driver pays a different rate for car insurance based on their personal profile and vehicle, including age, ZIP code, motor vehicle record, insurance-based credit score, and claim history. Additionally, coverage limits and deductibles will impact the cost of car insurance.
Top 3 Cheapest Companies for Georgia
| Company | Average Annual Full Coverage Premium |
| Nationwide | $1,202 |
| State Farm | $1,375 |
| Auto-Owners | $1,494 |
Top 3 Most Expensive Companies for Georgia
| Company | Average Annual Full Coverage Premium |
| Southern General | $6,717 |
| Alfa | $2,450 |
| Safeway | $2,372 |
Top 3 Cheapest Cities for Car Insurance in Georgia
| City | Average Annual Full Coverage Premium |
| Lake Park | $1,674 |
| Dasher | $1,682 |
| Valdosta | $1,683 |
Top 3 Most Expensive Cities for Car Insurance in Georgia
| City | Average Annual Full Coverage Premium |
| Panthersville | $2,672 |
| Candler-McAfee | $2,667 |
| Redan | $2,623 |
Key Things to Know About Car Insurance in Georgia
Car insurance in Georgia is generally more expensive than it is in the country as a whole, so shopping around and getting quotes from a few different carriers could help you find a cheaper policy. Georgia also has a moderate estimated population of uninsured drivers. 12.4% of drivers are estimated to be driving without car insurance coverage. You may want to consider adding uninsured motorist and underinsured motorist coverage to your policy for additional financial protection. Additionally, because of Georgia’s geographic position, it may be vulnerable to severe weather. Having comprehensive coverage could help protect your finances from weather-related vehicle damage.
Georgia Car Insurance Requirements
Georgia requires that all drivers carry at least the following minimum liability coverage limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Most insurance agents recommend that you buy higher amounts of liability coverage for greater financial protection.
Car Insurance Coverage Options
Having at least a minimum coverage policy is a legal requirement in Georgia, but drivers might also consider purchasing additional coverages for robust financial protection. Here are some of the common optional coverages that many Georgia car insurance companies offer, and why licensed agents might recommend each:
- Comprehensive coverage: Comprehensive could pay for your vehicle’s repairs after an other-than-collision incident, such as a tree falling on your car, hail damage, fire, animal damage, theft, and vandalism. This is commonly considered part of a full coverage policy.
- Collision coverage: Collision covers damage to your vehicle if you collide with another vehicle or object, regardless of fault, and is also considered part of a full coverage policy.
- Gap insurance: Gap insurance can be beneficial if you lease or finance your vehicle and it is a year old or newer. If your car is totaled in a covered loss, gap insurance will pay off your remaining loan balance not covered by the policy payout.
Frequently Asked Questions
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Georgia, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
About the Authors
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.
