Auto insurance is an important purchase, but finding cheap car insurance in Georgia isn’t always easy. 

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Nerdy Tip
Did your rates go up? Car insurance rates are on the rise in Georgia. Be sure to get quotes from three or more companies to get the lowest rate you can.

The cheapest car insurance company in Georgia is Central Insurance at $1,075 per year on average, or $90 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Georgia. Meanwhile, the average cost of full coverage car insurance in Georgia is $2,509 per year, or about $209 per month.

Minimum coverage in Georgia is $845 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 $328 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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ZIP Code
94103
If you're looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest Georgia cities, including:

Atlanta.

Marietta.

How we chose the cheapest companies in Georgia
NerdWallet’s editorial team analyzed car insurance rates from 16 auto insurers in Georgia  and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

Why you can trust NerdWallet

Cheap car insurance in Georgia for 20-year-olds
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 Georgia for 20-year-olds
Drivers in Georgia with clean driving records may want to consider the following companies, which had the lowest average rates:

Central Insurance: $1,696 per year, or about $141 per month.

Georgia Farm Bureau: $2,263 per year, or about $189 per month.

Country Financial: $2,714 per year, or about $226 per month.

Auto-Owners: $2,740 per year, or about $228 per month.

Allstate: $2,969 per year, or about $247 per month.

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Cheapest minimum coverage car insurance in Georgia 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:

Central Insurance: $623 per year, or about $52 per month.

Georgia Farm Bureau: $915 per year, or about $76 per month.

Auto-Owners: $966 per year, or about $80 per month.

Country Financial: $1,022 per year, or about $85 per month.

Allstate: $1,160 per year, or about $97 per month.

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Cheapest auto insurance in Georgia 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:

Central Insurance: $1,151 per year, or about $96 per month.

Georgia Farm Bureau: $1,474 per year, or about $123 per month.

Country Financial: $1,586 per year, or about $132 per month.

Allstate: $1,588 per year, or about $132 per month.

ACCC Insurance: $2,157 per year, or about $180 per month.

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Cheapest auto insurance in Georgia for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

Central Insurance: $860 per year, or about $72 per month.

Georgia Farm Bureau: $915 per year, or about $76 per month.

Allstate: $1,312 per year, or about $109 per month.

Auto-Owners: $1,352 per year, or about $113 per month.

Country Financial: $1,405 per year, or about $117 per month.

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Cheapest auto insurance in Georgia 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:

Central Insurance: $1,032 per year, or about $86 per month.

Georgia Farm Bureau: $1,057 per year, or about $88 per month.

Country Financial: $1,318 per year, or about $110 per month.

Auto-Owners: $1,429 per year, or about $119 per month.

Allstate: $1,876 per year, or about $156 per month.

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Cheapest auto insurance in Georgia 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.

Georgia Farm Bureau: $1,497 per year, or about $125 per month.

Central Insurance: $1,528 per year, or about $127 per month.

ACCC Insurance: $1,564 per year, or about $130 per month.

Allstate: $1,582 per year, or about $132 per month.

Country Financial: $1,754 per year, or about $146 per month.

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Cheap car insurance in Georgia for 30-year-olds
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:

Central Insurance: $1,157 per year, or about $96 per month.

Auto-Owners: $1,172 per year, or about $98 per month.

Georgia Farm Bureau: $1,479 per year, or about $123 per month.

Allstate: $1,715 per year, or about $143 per month.

Country Financial: $1,715 per year, or about $143 per month.

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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:

Auto-Owners: $322 per year, or about $27 per month.

Central Insurance: $367 per year, or about $31 per month.

Country Financial: $563 per year, or about $47 per month.

Georgia Farm Bureau: $563 per year, or about $47 per month.

State Farm: $643 per year, or about $54 per month.

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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:

Central Insurance: $2,094 per year, or about $174 per month.

Safeway: $2,417 per year, or about $201 per month.

Country Financial: $2,515 per year, or about $210 per month.

Allstate: $2,607 per year, or about $217 per month.

Georgia Farm Bureau: $2,805 per year, or about $234 per month.

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Cheapest auto insurance in Georgia for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

Auto-Owners: $450 per year, or about $38 per month.

Central Insurance: $504 per year, or about $42 per month.

Georgia Farm Bureau: $563 per year, or about $47 per month.

Country Financial: $775 per year, or about $65 per month.

State Farm: $810 per year, or about $68 per month.

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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:

Auto-Owners: $1,559 per year, or about $130 per month.

Central Insurance: $1,706 per year, or about $142 per month.

Georgia Farm Bureau: $1,805 per year, or about $150 per month.

Country Financial: $2,182 per year, or about $182 per month.

State Farm: $2,555 per year, or about $213 per month.

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Cheapest auto insurance in Georgia for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for full coverage.

Auto-Owners: $2,179 per year, or about $182 per month.

Allstate: $2,260 per year, or about $188 per month.

Central Insurance: $2,385 per year, or about $199 per month.

Country Financial: $2,627 per year, or about $219 per month.

Georgia Farm Bureau: $2,957 per year, or about $246 per month.

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Cheap car insurance in Georgia for 40-year-olds
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:

Central Insurance: $1,036 per year, or about $86 per month.

Auto-Owners: $1,231 per year, or about $103 per month.

Georgia Farm Bureau: $1,411 per year, or about $118 per month.

Country Financial: $1,517 per year, or about $126 per month.

Allstate: $1,715 per year, or about $143 per month.

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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:

Central Insurance: $323 per year, or about $27 per month.

Auto-Owners: $350 per year, or about $29 per month.

Country Financial: $491 per year, or about $41 per month.

Georgia Farm Bureau: $531 per year, or about $44 per month.

State Farm: $658 per year, or about $55 per month.

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Cheapest auto insurance in Georgia 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:

Central Insurance: $1,860 per year, or about $155 per month.

Safeway: $2,118 per year, or about $176 per month.

Country Financial: $2,206 per year, or about $184 per month.

Allstate: $2,607 per year, or about $217 per month.

Georgia Farm Bureau: $2,655 per year, or about $221 per month.

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Cheapest auto insurance in Georgia for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

Central Insurance: $442 per year, or about $37 per month.

Auto-Owners: $490 per year, or about $41 per month.

Georgia Farm Bureau: $531 per year, or about $44 per month.

Country Financial: $675 per year, or about $56 per month.

State Farm: $829 per year, or about $69 per month.

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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:

Central Insurance: $1,514 per year, or about $126 per month.

Auto-Owners: $1,646 per year, or about $137 per month.

Georgia Farm Bureau: $1,735 per year, or about $145 per month.

Country Financial: $1,988 per year, or about $166 per month.

State Farm: $2,521 per year, or about $210 per month.

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Cheapest auto insurance in Georgia for 40-year-old drivers after a DUI
The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

Central Insurance: $2,105 per year, or about $175 per month.

Allstate: $2,260 per year, or about $188 per month.

Country Financial: $2,299 per year, or about $192 per month.

Auto-Owners: $2,313 per year, or about $193 per month.

ACCC Insurance: $2,607 per year, or about $217 per month.

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Cheap car insurance in Georgia for 50-year-olds
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Georgia for 50-year-olds
Drivers in Georgia with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

Central Insurance: $1,011 per year, or about $84 per month.

Auto-Owners: $1,176 per year, or about $98 per month.

Georgia Farm Bureau: $1,350 per year, or about $112 per month.

Country Financial: $1,400 per year, or about $117 per month.

Allstate: $1,665 per year, or about $139 per month.

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Cheapest minimum coverage car insurance in Georgia for 50-year-olds
Drivers in Georgia who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

Central Insurance: $317 per year, or about $26 per month.

Auto-Owners: $340 per year, or about $28 per month.

Country Financial: $447 per year, or about $37 per month.

Georgia Farm Bureau: $514 per year, or about $43 per month.

State Farm: $654 per year, or about $54 per month.

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Cheapest auto insurance in Georgia for 50-year-olds with poor credit
Drivers with poor credit in Georgia can check with the following companies, which showed the lowest average rates for full coverage:

Central Insurance: $1,813 per year, or about $151 per month.

Country Financial: $2,026 per year, or about $169 per month.

Safeway: $2,033 per year, or about $169 per month.

Allstate: $2,525 per year, or about $210 per month.

Georgia Farm Bureau: $2,537 per year, or about $211 per month.

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Cheapest auto insurance in Georgia for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

Central Insurance: $434 per year, or about $36 per month.

Auto-Owners: $476 per year, or about $40 per month.

Georgia Farm Bureau: $514 per year, or about $43 per month.

Country Financial: $615 per year, or about $51 per month.

State Farm: $822 per year, or about $68 per month.

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Cheapest auto insurance in Georgia for 50-year-old drivers with one at-fault crash
For drivers living in Georgia with a recent accident, here are the insurers with the lowest average full coverage rates:

Central Insurance: $1,478 per year, or about $123 per month.

Auto-Owners: $1,574 per year, or about $131 per month.

Georgia Farm Bureau: $1,670 per year, or about $139 per month.

Country Financial: $1,871 per year, or about $156 per month.

Allstate: $2,477 per year, or about $206 per month.

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Cheapest auto insurance in Georgia for 50-year-old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

Central Insurance: $2,057 per year, or about $171 per month.

Country Financial: $2,108 per year, or about $176 per month.

Allstate: $2,190 per year, or about $182 per month.

Auto-Owners: $2,211 per year, or about $184 per month.

ACCC Insurance: $2,403 per year, or about $200 per month.

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Cheap car insurance in Georgia for 60-year-olds
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Georgia for 60-year-olds
Drivers in Georgia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

Central Insurance: $1,072 per year, or about $89 per month.

Auto-Owners: $1,196 per year, or about $100 per month.

Georgia Farm Bureau: $1,294 per year, or about $108 per month.

Country Financial: $1,357 per year, or about $113 per month.

Allstate: $1,647 per year, or about $137 per month.

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Cheapest minimum coverage car insurance in Georgia for 60-year-olds
Drivers in Georgia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

Central Insurance: $343 per year, or about $29 per month.

Auto-Owners: $376 per year, or about $31 per month.

Country Financial: $437 per year, or about $36 per month.

Georgia Farm Bureau: $502 per year, or about $42 per month.

Mercury: $603 per year, or about $50 per month.

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Cheapest auto insurance in Georgia for 60-year-olds with poor credit
Drivers with poor credit in Georgia can look at the following companies with the lowest average rates for full coverage:

Central Insurance: $1,930 per year, or about $161 per month.

Country Financial: $1,962 per year, or about $164 per month.

Safeway: $2,180 per year, or about $182 per month.

Georgia Farm Bureau: $2,427 per year, or about $202 per month.

Mercury: $2,490 per year, or about $208 per month.

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Cheapest auto insurance in Georgia for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

Central Insurance: $469 per year, or about $39 per month.

Georgia Farm Bureau: $502 per year, or about $42 per month.

Auto-Owners: $527 per year, or about $44 per month.

Country Financial: $601 per year, or about $50 per month.

State Farm: $782 per year, or about $65 per month.

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Cheapest auto insurance in Georgia for 60-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:

Central Insurance: $1,566 per year, or about $130 per month.

Auto-Owners: $1,597 per year, or about $133 per month.

Georgia Farm Bureau: $1,599 per year, or about $133 per month.

Country Financial: $1,830 per year, or about $152 per month.

State Farm: $2,341 per year, or about $195 per month.

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Cheapest auto insurance in Georgia for 60-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

Country Financial: $2,044 per year, or about $170 per month.

ACCC Insurance: $2,130 per year, or about $178 per month.

Allstate: $2,172 per year, or about $181 per month.

Central Insurance: $2,209 per year, or about $184 per month.

Auto-Owners: $2,271 per year, or about $189 per month.

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Cheap car insurance in Georgia for 70-year-olds
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Georgia for 70-year-olds
Drivers in Georgia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

Central Insurance: $1,264 per year, or about $105 per month.

Georgia Farm Bureau: $1,370 per year, or about $114 per month.

Auto-Owners: $1,386 per year, or about $116 per month.

Country Financial: $1,446 per year, or about $120 per month.

Allstate: $1,741 per year, or about $145 per month.

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Cheapest minimum coverage car insurance in Georgia for 70-year-olds
Drivers in Georgia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

Central Insurance: $430 per year, or about $36 per month.

Auto-Owners: $472 per year, or about $39 per month.

Country Financial: $500 per year, or about $42 per month.

Georgia Farm Bureau: $539 per year, or about $45 per month.

Encompass: $625 per year, or about $52 per month.

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Cheapest auto insurance in Georgia for 70-year-olds with poor credit
Drivers with poor credit in Georgia can look at the following companies with the lowest average rates for full coverage:

Country Financial: $2,109 per year, or about $176 per month.

Safeway: $2,180 per year, or about $182 per month.

Central Insurance: $2,295 per year, or about $191 per month.

Georgia Farm Bureau: $2,587 per year, or about $216 per month.

Allstate: $2,636 per year, or about $220 per month.

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Cheapest auto insurance in Georgia for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Georgia, here are the companies with the lowest average rates for minimum coverage:

Georgia Farm Bureau: $539 per year, or about $45 per month.

Central Insurance: $590 per year, or about $49 per month.

Auto-Owners: $660 per year, or about $55 per month.

Country Financial: $686 per year, or about $57 per month.

Encompass: $828 per year, or about $69 per month.

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Cheapest auto insurance in Georgia for 70-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:

Georgia Farm Bureau: $1,687 per year, or about $141 per month.

Central Insurance: $1,896 per year, or about $158 per month.

Auto-Owners: $1,906 per year, or about $159 per month.

Country Financial: $2,033 per year, or about $169 per month.

State Farm: $2,466 per year, or about $206 per month.

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Cheapest auto insurance in Georgia for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

Country Financial: $2,210 per year, or about $184 per month.

ACCC Insurance: $2,263 per year, or about $189 per month.

Allstate: $2,321 per year, or about $193 per month.

Central Insurance: $2,679 per year, or about $223 per month.

Auto-Owners: $2,741 per year, or about $228 per month.

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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 29 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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.

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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.