Cheap Car Insurance In GA For 2022

Cheap Car Insurance In GA For 2022

Cheap Car Insurance In GA – Auto insurance is an important purchase, but finding cheap car insurance in Georgia isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Georgia is $1,715 per year, or about $143 per month, according to NerdWallet’s analysis. Minimum coverage in Georgia is $719 per year on average, but we found you can likely get a cheaper policy. For example, Auto-Owners offers the cheapest rates in Georgia at $301 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Georgia

We analyzed car insurance rates from 15 auto insurers in Georgia and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Georgia. For full coverage, we used the below coverage limits:

  • $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 coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

Cheapest car insurance for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.

Cheapest full coverage car insurance in GA for 20-year-olds

Drivers in Georgia with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Auto-Owners: $2,369 per year, or about $197 per month.
  2. Geico: $2,775 per year, or about $231 per month.
  3. ACCC Insurance: $2,826 per year, or about $236 per month.
  4. Allstate: $2,907 per year, or about $242 per month.
  5. Nationwide: $3,239 per year, or about $270 per month.

Cheapest minimum coverage car insurance in GA for 20-year-olds

Drivers in Georgia who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Auto-Owners: $861 per year, or about $72 per month.
  2. Geico: $925 per year, or about $77 per month.
  3. Allstate: $995 per year, or about $83 per month.
  4. ACCC Insurance: $1,063 per year, or about $89 per month.
  5. Country Financial: $1,213 per year, or about $101 per month.

Cheap car insurance in GA for 20-year-olds with poor credit

Drivers with poor credit in Georgia should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $1,204 per year, or about $100 per month.
  2. Allstate: $1,391 per year, or about $116 per month.
  3. ACCC Insurance: $1,776 per year, or about $148 per month.
  4. Country Financial: $1,920 per year, or about $160 per month.
  5. Progressive: $2,117 per year, or about $176 per month.

Cheap car insurance in GA for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Georgia, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $1,153 per year, or about $96 per month.
  2. Auto-Owners: $1,274 per year, or about $106 per month.
  3. Country Financial: $1,568 per year, or about $131 per month.
  4. ACCC Insurance: $1,626 per year, or about $136 per month.
  5. Allstate: $1,630 per year, or about $136 per month.

Cheapest auto insurance in GA for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage:

  1. ACCC Insurance: $1,289 per year, or about $107 per month.
  2. Allstate: $1,372 per year, or about $114 per month.
  3. Geico: $1,549 per year, or about $129 per month.
  4. Auto-Owners: $1,938 per year, or about $162 per month.
  5. Progressive: $2,004 per year, or about $167 per month.

Cheapest car insurance for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Georgia for 30-year-olds

Drivers in Georgia with clean driving records may get the lowest rates from these companies:

  1. Auto-Owners: $1,071 per year, or about $89 per month.
  2. Nationwide: $1,327 per year, or about $111 per month.
  3. Geico: $1,628 per year, or about $136 per month.
  4. Esurance: $1,646 per year, or about $137 per month.
  5. Allstate: $1,736 per year, or about $145 per month.

Cheapest minimum coverage car insurance in Georgia for 30-year-olds

Drivers in Georgia who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

  1. Auto-Owners: $309 per year, or about $26 per month.
  2. Geico: $478 per year, or about $40 per month.
  3. State Farm: $598 per year, or about $50 per month.
  4. Encompass: $600 per year, or about $50 per month.
  5. Allstate: $675 per year, or about $56 per month.

Cheapest auto insurance in Georgia for 30-year-olds with poor credit

Drivers with poor credit in Georgia should consider the following companies with the lowest average rates for full coverage:

  1. Nationwide: $1,790 per year, or about $149 per month.
  2. Geico: $2,127 per year, or about $177 per month.
  3. Safeway: $2,362 per year, or about $197 per month.
  4. Progressive: $2,438 per year, or about $203 per month.
  5. Allstate: $2,643 per year, or about $220 per month.

Cheapest auto insurance in Georgia for 30-year-old drivers with one at-fault crash

For drivers in Georgia with a recent accident, here are the lowest average rate options for full coverage:

  1. Auto-Owners: $1,425 per year, or about $119 per month.
  2. Nationwide: $2,142 per year, or about $178 per month.
  3. Geico: $2,225 per year, or about $185 per month.
  4. State Farm: $2,443 per year, or about $204 per month.
  5. Allstate: $2,652 per year, or about $221 per month.

Cheap car insurance in GA for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage:

  1. Auto-Owners: $1,993 per year, or about $166 per month.
  2. ACCC Insurance: $2,182 per year, or about $182 per month.
  3. Esurance: $2,329 per year, or about $194 per month.
  4. Allstate: $2,348 per year, or about $196 per month.
  5. Nationwide: $2,611 per year, or about $218 per month.

Cheapest car insurance for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Georgia for 40-year-olds

Drivers in Georgia with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Auto-Owners: $1,083 per year, or about $90 per month.
  2. Nationwide: $1,236 per year, or about $103 per month.
  3. Geico: $1,562 per year, or about $130 per month.
  4. Esurance: $1,582 per year, or about $132 per month.
  5. ACCC Insurance: $1,602 per year, or about $134 per month.

Cheapest minimum coverage car insurance in Georgia for 40-year-olds

Drivers in Georgia who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Auto-Owners: $314 per year, or about $26 per month.
  2. Geico: $461 per year, or about $38 per month.
  3. Country Financial: $585 per year, or about $49 per month.
  4. Encompass: $600 per year, or about $50 per month.
  5. State Farm: $606 per year, or about $50 per month.

Cheap car insurance in GA for 40-year-olds with poor credit

Drivers with poor credit in Georgia can check out the following insurers with the lowest average rates for full coverage:

  1. Nationwide: $1,670 per year, or about $139 per month.
  2. Safeway: $2,071 per year, or about $173 per month.
  3. Geico: $2,138 per year, or about $178 per month.
  4. Progressive: $2,314 per year, or about $193 per month.
  5. Mercury: $2,447 per year, or about $204 per month.

Cheapest auto insurance in Georgia for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Georgia, here are the companies with the lowest average rates for full coverage:

  1. Auto-Owners: $1,443 per year, or about $120 per month.
  2. Nationwide: $2,012 per year, or about $168 per month.
  3. Geico: $2,318 per year, or about $193 per month.
  4. ACCC Insurance: $2,349 per year, or about $196 per month.
  5. State Farm: $2,404 per year, or about $200 per month.

Cheapest car insurance for military families

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest five auto insurance options for 32 of the 48 driver profiles we examined.

Minimum car insurance requirements in Georgia

Georgia car insurance policies must include liability insurance, which pays for others’ property damage and injuries if you cause a crash.

Here are the minimum liability coverage amounts you must select:

  • $25,000 bodily injury liability coverage per person.
  • $50,000 bodily injury liability coverage per crash.
  • $25,000 property damage liability coverage per crash.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

While this will be enough to drive legally, it’s usually wise to get more than the minimum. An at-fault crash could easily result in injury or repair bills higher than the amounts listed above, and the remaining balance would have to come out of your pocket. You may also want to consider common add-ons such as collision, comprehensive and uninsured motorist protection.

Visit NerdWallet’s guide to car insurance requirements by state to learn more about buying your Georgia car insurance policy.

Alternative car insurance in Georgia

Drivers who are unable to buy Georgia car insurance on the open market — due to DUIs, poor credit or other reasons — can shop for coverage through the Georgia Automobile Insurance Plan.

If you’re searching for cheap car insurance in Georgia, you can also use NerdWallet’s car insurance comparison tool.

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