The Cheapest Car Insurance in Georgia for February 2025

Georgia Farm Bureau has the cheapest full coverage car insurance rates in Georgia, with an average annual rate of $1,596 according to NerdWallet’s February 2025 analysis. If you’re looking for the absolute cheapest policy, get liability insurance. Central Insurance offers the cheapest rates at $460 a year.

Cheap full coverage insurance in GA

Here are the companies with the cheapest median monthly rates for full coverage in Georgia for 35-year-old drivers with a good driving record.

How NerdWallet’s editorial team determined these rates: Once a month, NerdWallet’s car insurance data team analyzes more than 500 million sample car insurance rates provided by Quadrant Information Services to find the auto insurers offering the cheapest rates. Our data analysis combines hundreds of hours of rigorous data vetting, thorough optimizing and extensive engineering work to provide you with the cheapest car insurance companies in Georgia on a monthly basis.

The quotes you get when you shop around may be different because insurers will use your personal characteristics — like age, driving record, the car you drive and where you live — to determine how much you’ll pay for a policy. But you can use the rates in our analysis to get a sense of cheap companies in the Peach State, and which insurers you may want to get a quote from.

Cheap liability car insurance in Georgia

If you’re hoping to spend even less on your auto insurance policy, consider a liability-only policy, with limits that satisfy the minimum coverage required in Georgia.

Central Insurance has the cheapest liability insurance rates, starting at $38 a month, or $460 a year. Below are the insurers with the lowest median monthly rates in Georgia for 35-year-old drivers with good driving records and good credit.

The best cheap car insurance in Georgia

Out of NerdWallet’s top-rated insurers in Georgia, Auto-Owners is the cheapest, according to our January 2025 analysis. Budget-conscious drivers prioritizing customer service and coverage options may find the policy they’re looking for with this insurer.

Looking for the full list of best insurance companies in your state? Read our roundup of the best car insurance in Georgia.

Cheapest car insurance in the Atlanta area

Rates in and around Atlanta will likely be very different from what drivers pay in more rural parts of Georgia. Even Atlanta proper and neighboring cities like Marietta have different median rates. Check them out below.

• Atlanta

  Below are the cheapest insurers in Atlanta for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Atlanta.

  Category	Cheapest company	Median annual rate
  Clean driving history	Georgia Farm Bureau	$1,917
  After a DUI	Georgia Farm Bureau	$3,721
  After an accident	Georgia Farm Bureau	$2,097
  After a speeding ticket	Georgia Farm Bureau	$2,097
  Having poor credit	Georgia Farm Bureau	$2,801

• Marietta

  Below are the cheapest insurers in Marietta for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Marietta.

  Category	Cheapest company	Median annual rate
  Clean driving history	Georgia Farm Bureau	$1,687
  After a DUI	Georgia Farm Bureau	$3,271
  After an accident	Georgia Farm Bureau	$1,932
  After a speeding ticket	Georgia Farm Bureau	$1,845
  Having poor credit	Georgia Farm Bureau	$2,481

Cheapest auto insurance in GA by age

Your age is one of the factors that will most impact how much you pay for car insurance. Find rates for young drivers, millennials and seniors in Georgia below.

Cheapest car insurance for young 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.

Young drivers in Georgia with clean driving records may want to consider the following companies, which had the lowest average rates for minimum coverage among 20-year-olds:

Cheapest full coverage car insurance in GA for millennials

Georgia millennials with clean driving records may want to consider the following companies, which had the lowest average rates for minimum coverage among 40-year-olds:

Cheapest car insurance in GA for seniors

After age 60, drivers may see a slight increase in their car insurance costs. The best way to keep your prices down is to compare rates and quotes from different insurers. Make sure to take notice of companies that offer discounts for senior drivers, such as a discount for seniors who take a defensive driving course.

Here are the companies that had the lowest average minimum coverage rates for 70-year-old drivers with good credit and no speeding tickets, DUIs or accidents on their record:

Cheapest car insurance in GA by driving record

Having a ding on your driving record will typically raise your auto insurance costs. Fortunately, some companies' rates aren’t as high as others’. Below are the cheapest companies in the Peach State for drivers with different histories. Make sure to compare different quotes to get the most affordable policy.

Cheapest car insurance in Georgia after speeding

For 35-year old drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Georgia for drivers with one at-fault crash

For 35-year-old drivers in Georgia with a recent accident, here are the lowest average rate options for minimum coverage:

Cheapest car insurance in Georgia after a DUI

For 35-year-old drivers with a DUI, here are the cheapest auto insurance companies in Georgia for minimum coverage:

Cheapest car insurance in GA for drivers with poor credit

Believe it or not, your credit can dramatically impact what you pay for coverage. Insurers sometimes use a “credit-based insurance score” to price their policies, which means that drivers with poor credit often get higher premiums.

Below are the companies with the cheapest liability car insurance in Georgia for 35-year-old drivers with poor credit:

Perks of choosing a regional insurer in Georgia

When shopping for affordable car insurance, it’s a good idea to go local. While big companies State Farm, Progressive and Allstate are the most popular auto insurers in Georgia,

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the cheapest rates often come from smaller, local insurers. Companies like Georgia Farm Bureau and even Central Insurance, which is available in fewer than half of the states in the country, consistently have some of the cheapest rates in Georgia for different driver profiles.

Beyond having low rates, local insurers sometimes offer extra perks, such as special discounts and memberships, that might make a policy more appealing.

For example, Georgia Farm Bureau members get travel, entertainment and wellness discounts that may be attractive to you. These include discounted access to Zoo Atlanta and the Georgia Aquarium, cheaper hotel stays with Wyndham, Choice Hotels and others, as well as rental car discounts.

You can purchase Georgia Farm Bureau auto insurance through a Farm Bureau agent. The bureau has the relevant contact information by Georgia county on its website. To get a policy from a regional insurer like Central Insurance or Auto-Owners, you can contact an independent car insurance agent, who can provide quotes from multiple companies. Regional insurers often have “find an agent” search tools on their websites to connect you with independent agents who sell their policies.

Cheapest car insurance for military families in Georgia

If you're an active member of the military or a veteran — or you have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company whose policies aren'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 64 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum auto insurance required 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:

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.

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

Risks of buying cheap car insurance

While liability insurance will be enough to drive legally in Georgia, it’s usually wise to get more than the minimum required coverage. An at-fault crash could easily result in injury or repair bills higher than the state’s minimum liability limits, and the remaining balance would have to come out of your pocket.

With more than 18% of drivers lacking auto insurance coverage, Georgia has the seventh highest rate of uninsured motorists in the nation.

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You may want to mitigate the financial risk of getting into an accident with an uninsured driver by purchasing common policy add-ons such as collision, comprehensive and uninsured motorist protection.

» MORE: The best home insurance in Georgia

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.