Cheapest Car Insurance in Georgia

In Georgia, the cheapest insurer depends on how much coverage you buy. GEICO charges the least for the 25/50/25 liability policy state law requires, at $65 a month; Progressive trails it by just $3, at $68. For full coverage, Progressive is the lowest-priced choice at $168 a month, and GEICO follows at $179. Both rankings are among insurers available to all drivers. This guide breaks down prices at three coverage levels, shows which Georgia counties and ZIP codes pay the least and explains the state rules that can cost you money if you ignore them.

Prices come from Quadrant Information Services data on the rates insurers had in effect as of Sept. 30, 2026, worked out for a single benchmark driver. They show what insurers would charge that driver, not a quote for you. Page updated Nov. 2, 2026. See our method

Cheapest Car Insurance in Georgia by Company

Georgia’s statewide averages, across every insurer we priced, are $85 a month for minimum liability and $209 for full coverage. GEICO’s liability-only price is $20 a month under that average, and Progressive’s full-coverage price is $41 a month under it, or $498 a year.

Which Insurer Is Cheapest at Each Coverage Level in Georgia

We priced three packages, from the legal minimum to full coverage. The leader changes between the first and second levels, so match the company to the coverage you plan to buy. Rankings cover the four insurers we compared that sell to any Georgia driver.

Progressive’s lead is widest at the middle level, where it undercuts GEICO by $597 a year. At the two ends, the race is tighter: GEICO’s minimum-liability price is $36 a year below Progressive’s, and Progressive’s full-coverage price is $137 a year below GEICO’s.

Georgia Car Insurance Prices From Each Company We Compared

Five insurers were priced in all 400 Georgia ZIP codes in our data: Progressive, GEICO, Auto-Owners, Allstate and USAA. Each bar is that company’s monthly full-coverage price for the identical driver and car, so a shorter bar means a lower bill.

Monthly price for each insurer in Georgia, sorted by full-coverage price, with the yearly cost in parentheses

Insurer	25/50/25 minimum	50/100/50	Full coverage
Progressive	$68 ($821)	$147 ($1,764)	$168 ($2,014)
GEICO	$65 ($785)	$197 ($2,361)	$179 ($2,151)
Auto-Owners	Sold only with collision	$213 ($2,557)	$213 ($2,560)
Allstate	$148 ($1,772)	$311 ($3,731)	$310 ($3,724)
USAA (military families only)	$58 ($694)	$171 ($2,051)	$176 ($2,110)
Georgia average	$85 ($1,018)	$208 ($2,493)	$209 ($2,512)

Why Auto-Owners has no minimum-liability price: its rules for our driver require at least one vehicle on the policy to carry collision coverage along with liability, so it didn’t return a liability-only price. The Georgia minimum-liability average therefore covers the four insurers that did.

Allstate is the most expensive company in our Georgia data at every level. Its full-coverage price is $142 a month above Progressive’s, which adds up to $1,710 a year for the same driver, car and coverage. For minimum liability, Allstate charges $148 a month, more than twice GEICO’s $65.

Minimum Liability, 50/100/50 or Full Coverage in Georgia?

Across Georgia, moving from minimum liability to full coverage adds $124 a month ($1,494 a year) to our benchmark driver’s bill. Choose the lowest-priced company at each level, GEICO for liability and Progressive for full coverage, and the difference is $103 a month. That money buys repairs to your own car plus much higher limits if you injure someone.

Georgia’s surprise is the middle step. Statewide, full coverage averages only $1 a month more than 50/100/50 ($209 versus $208), even though it doubles or triples the liability limits. The pattern varies by company, as the chart shows.

For our driver, GEICO and Allstate price the 100/300/100 package slightly below their own 50/100/50 package, and Auto-Owners charges the same monthly amount for both. Progressive adds $21 a month. This is how these insurers priced one driver and one car in our data, not a rule that full coverage costs less, so ask for both packages and compare them before you settle on the smaller one.

Cheapest Georgia Counties and ZIP Codes for Car Insurance

Where you garage the car shifts Georgia prices a lot. The three cheapest qualifying counties for full coverage sit in South Georgia and along the coast, while the most expensive county and ZIP code are both in metro Atlanta. To rank a county, we require at least three of its ZIP codes in our data; 48 of the 133 Georgia counties we price clear that bar. A † flags a county ranked on just three or four ZIP codes; because that sample is small, treat its numbers as a rough guide.

Lowest full-coverage prices by county

Full-coverage averages for Georgia counties with at least three priced ZIP codes

County	ZIPs priced	Monthly	Yearly
Lowndes County	5	$153	$1,840
Camden County†	3	$161	$1,934
Glynn County†	4	$165	$1,978
Whitfield County	5	$173	$2,073
Walker County	5	$175	$2,095
Coffee County†	3	$175	$2,101
Colquitt County†	3	$179	$2,146
Franklin County†	3	$179	$2,149
Columbia County	5	$182	$2,187
Habersham County	5	$182	$2,188
Priciest: Clayton County	7	$282	$3,378

Lowest minimum-liability prices by county

Minimum-liability (25/50/25) averages; a county is ranked only with 3+ priced ZIP codes

County	ZIPs priced	Monthly	Yearly
Lowndes County	5	$59	$706
Franklin County†	3	$60	$721
Coffee County†	3	$62	$739
Walker County	5	$63	$752
Whitfield County	5	$64	$771
Colquitt County†	3	$64	$773
Glynn County†	4	$65	$783
Camden County†	3	$65	$785
Habersham County	5	$66	$789
Bulloch County†	3	$69	$824
Priciest: Clayton County	7	$129	$1,550

Lowndes County, which includes Valdosta, leads both lists with five ZIP codes behind its figures: $153 a month for full coverage and $59 for minimum liability. Clayton County, south of Atlanta, is the most expensive qualifying county at both levels. A Clayton County driver pays $129 a month ($1,538 a year) more than a Lowndes County driver for full coverage, 84% more, and $70 a month ($844 a year) more for minimum liability, a 120% markup. Coastal Camden and Glynn counties rank second and third for full coverage, but each rests on three or four ZIP codes.

Some counties with only one or two ZIP codes in our data also post low prices. Brooks County’s single ZIP averages $158 a month for full coverage, and Hart County’s single ZIP, in Hartwell, averages $56 for minimum liability, lower than Lowndes County. Those small counties stay out of the county rankings, but their ZIP codes appear in the lists below.

Lowest prices by ZIP code

Georgia’s 10 lowest-priced ZIP codes for full coverage

ZIP	Town	Monthly	Yearly
31602	Valdosta	$152	$1,818
31605	Valdosta	$152	$1,819
31636	Lake Park	$154	$1,847
31601	Valdosta	$154	$1,850
31632	Hahira	$155	$1,865
31643	Quitman	$158	$1,894
31558	St. Marys	$159	$1,909
31635	Lakeland	$161	$1,934
31520	Brunswick	$162	$1,938
31569	Woodbine	$162	$1,939
Priciest: 30035	Decatur	$310	$3,722

Georgia’s 10 lowest-priced ZIP codes for 25/50/25 minimum liability

ZIP	Town	Monthly	Yearly
30643	Hartwell	$56	$676
31635	Lakeland	$57	$685
39823	Blakely	$57	$685
30635	Elberton	$57	$686
31643	Quitman	$57	$687
31632	Hahira	$58	$690
39837	Colquitt	$58	$695
31605	Valdosta	$58	$700
31639	Nashville	$58	$700
31774	Ocilla	$59	$703
Priciest: 30035	Decatur	$147	$1,763

Lowndes County ZIP codes take the top five spots for full coverage. Across Georgia’s 400 priced ZIP codes, the full-coverage range starts at $152 a month in Valdosta (31602) and tops out at $310 in a Decatur ZIP code in DeKalb County (30035), a gap of $158 a month or $1,904 a year. For minimum liability, the range is $56 in Hartwell (30643) to $147 in that same Decatur ZIP code, a $91 monthly difference.

Ways to Keep Georgia Car Insurance Cheap

1. Match the company to the coverage level. In our data, GEICO is the low-price leader for 25/50/25 liability ($65 a month), while Progressive leads for 50/100/50 ($147) and full coverage ($168).
2. Compare more than two companies. Full-coverage prices for the same driver span $168 a month at Progressive to $310 at Allstate, a $142 monthly gap. Auto-Owners, at $213, sits $45 a month above Progressive.
3. Ask for 50/100/50 and full coverage side by side. Statewide the two packages differ by $1 a month for our driver, and at GEICO full coverage came in $18 a month lower. The bigger package may cost less than you expect.
4. Never let your coverage lapse. The Georgia Department of Revenue counts 10 or more days with no liability insurance on record as a lapse. Each lapse brings a $25 fee, and an unpaid fee can lead to a suspended registration with a $60 reinstatement fee for a first or second time in five years.
5. Weigh a higher deductible. Georgia’s insurance commissioner lists a higher deductible as one way to cut your premium. Our prices use $500 deductibles; ask for a second price at $1,000 and decide whether the savings justify the bigger out-of-pocket cost after a claim.
6. Claim the discounts you qualify for. The commissioner’s consumer guide says insurers must offer a premium reduction to students who meet certain criteria, such as a 3.0 average or a top-20% class rank. Some companies also discount car and home policies bought together.
7. Know your one-claim protection. According to the commissioner’s guide, once you’ve been with an insurer for three years, it can’t drop you at renewal for just one claim, even an at-fault one.
8. Confirm the company is licensed. A bargain policy is worthless if the seller isn’t authorized in Georgia. Use the commissioner’s agent and company search before you pay.

Georgia’s Minimum Car Insurance Law

The least coverage you can legally carry in Georgia is a 25/50/25 liability policy. Here is what the state requires and what happens when coverage stops.

• Bodily injury liability: at least $25,000 for each injured person and $50,000 for all injuries in one accident you cause.
• Property damage liability: at least $25,000 per accident.
• Collision and comprehensive: state law doesn’t require them, but a lender or leasing company usually will.
• Uninsured motorist coverage: pays when a driver with no insurance injures you or your passengers or damages your car. Ask each insurer what uninsured motorist limits its quote includes.
• Continuous coverage: every registered vehicle must stay insured. Your insurer reports your policy to the Department of Revenue electronically, and you still need to keep your insurance card in the car.
• Lapses: 10 or more days without coverage on record counts as a lapse and triggers a $25 fee. An unpaid fee leads to a suspended registration; reinstating costs $60 for a first or second occurrence within five years and $160 for a third.
• Driving on a suspended registration: a misdemeanor, according to the Department of Revenue.

Sources: Georgia Office of Insurance and Safety Fire Commissioner, Auto Insurance and Consumer Guide for Automobile Insurance; Georgia Department of Revenue, Proof of Insurance, Lapse or Loss of Insurance Coverage, Registration Suspension and Penalties and Fines for Lapse of Insurance Coverage.

Compare Car Insurance Quotes in Georgia

Our figures describe one driver. Your quotes will reflect your own vehicle, record, household drivers and address. A few habits keep a Georgia comparison fair:

• Request the identical liability limits from every company, whether that’s 100/300/100, 50/100/50 or the 25/50/25 minimum.
• Keep collision and comprehensive deductibles the same across quotes.
• Check the uninsured motorist limits on each quote, since they change the price.
• Price both 50/100/50 and full coverage, because in Georgia the gap can be tiny or even negative.
• Include the same drivers and cars every time.

How We Found Georgia’s Cheapest Prices

Insurers that sell car coverage in Georgia submit their rates and rating rules to state regulators. Using those filings, Quadrant Information Services calculates what each company would charge a specific driver, and CheapCarInsurance.net analyzes the output. The Georgia figures here use rates as of Sept. 30, 2026.

• Driver: a 40-year-old single man with good credit, licensed for 24 years with no accidents or violations, driving his own 2024 Toyota Camry LE for personal use.
• Coverage: three packages. Minimum liability matches Georgia’s 25/50/25 limits. The middle package pairs 50/100/50 limits with $500 deductibles. Full coverage combines 100/300/100 limits, 100/300 uninsured and underinsured motorist coverage and $500 deductibles.
• Sample: 400 Georgia ZIP codes in 133 counties. All five insurers are priced in every ZIP code, giving 2,000 prices each for full coverage and 50/100/50 and 1,600 for minimum liability, since Auto-Owners has no liability-only price.
• Averages: we use each insurer’s lowest price in each ZIP code, then average across ZIP codes. Every average on the page, whether statewide, county or ZIP, includes all priced insurers, USAA and Allstate among them. We convert yearly prices to monthly ones by dividing by 12 and rounding to whole dollars.
• Naming the cheapest: to be named, an insurer needs prices in 50% or more of Georgia ZIP codes and must sell to anyone. When the No. 1 and No. 2 insurers are less than 3% apart on yearly price, both get named; no Georgia coverage level has such a tie. USAA’s prices appear without a rank, since its policies are limited to military members and their families.
• Counties: we rank a county only when it has a minimum of three priced ZIP codes. That leaves out 85 counties with one or two ZIP codes, though their prices still count in the statewide average and the ZIP lists.

Treat these numbers as prices for one sample driver. They aren’t quotes or offers of coverage, and your own price will depend on your ZIP code, vehicle, driving history, coverage and discounts.

Georgia Cheap Car Insurance FAQ

What’s the cheapest car insurance company in Georgia?

It depends on coverage. Among insurers available to all drivers, GEICO charges the least for 25/50/25 minimum liability, at $65 a month, with Progressive at $68. Progressive is cheapest for full coverage, at $168 a month, with GEICO at $179. USAA is lower for minimum liability, but only military families can buy it.

Is $200 a month a lot for car insurance in Georgia?

Not for full coverage on Georgia’s numbers. $200 a month is $9 under the $209 average, $32 above Progressive’s $168 and $21 above GEICO’s $179; Auto-Owners charges $213 and Allstate $310. Place matters: ZIP-code averages run from $152 in Valdosta (31602) to $310 in Decatur (30035), so $200 is above one end of that range and below the other.

What is the minimum car insurance in Georgia, and what is the cheapest legal policy?

Georgia requires 25/50/25 liability: $25,000 for each injured person, $50,000 for all injuries in one accident and $25,000 for property damage (Georgia Office of Insurance and Safety Fire Commissioner). GEICO has the lowest price for that policy among insurers open to everyone, $65 a month ($785 a year), with Progressive at $68 and a statewide average of $85.

How much does car insurance cost in Georgia each month?

For our benchmark driver, Georgia averages $85 a month for 25/50/25 minimum liability, $208 for 50/100/50 and $209 for full coverage. The lowest-priced companies come in well under those averages: GEICO at $65 for minimum liability and Progressive at $168 for full coverage. Your ZIP code, car and record will change your price.

Is full coverage much more expensive than 50/100/50 in Georgia?

Not in our data. Statewide, full coverage averages $209 a month versus $208 for 50/100/50. GEICO charges $18 a month less for full coverage than for 50/100/50, and Auto-Owners charges the same monthly price, while Progressive adds $21. Results apply to one driver and car, so price both packages yourself.

Is GEICO or Progressive cheaper in Georgia?

It depends on coverage. GEICO is cheaper for 25/50/25 liability, $65 a month against Progressive’s $68, which is $36 a year. Progressive wins the two higher levels: $147 against $197 for 50/100/50, and $168 against $179 for full coverage, $137 a year cheaper at the top.

Which part of Georgia has the cheapest car insurance?

South Georgia. Lowndes County, home to Valdosta, has the lowest full-coverage average among counties with at least three ZIP codes we price, $153 a month, and the lowest minimum-liability average, $59. Valdosta ZIP code 31602 is the cheapest single ZIP for full coverage, at $152. Clayton County costs the most.

Why is car insurance so expensive in Georgia?

Prices can’t explain themselves, so we claim no cause for Georgia’s; the pattern is below. Full coverage averages $209 a month across the insurers we priced, and Allstate’s $310 sits $142 above Progressive’s $168. Place matters too: Clayton County averages $282 a month against $153 in Lowndes County, and ZIP-code averages run from $152 to $310.

Is USAA cheaper than Progressive and GEICO in Georgia?

Only for minimum liability. USAA averages $58 a month for 25/50/25 coverage, below GEICO’s $65. For full coverage, Progressive’s $168 beats USAA’s $176, and for 50/100/50, Progressive’s $147 beats USAA’s $171. Because USAA is limited to military members and their families, most Georgia drivers can’t choose it.

Is 50/100/50 enough car insurance in Georgia?

Enough depends on your own finances and risk, so we give facts rather than a verdict. The 50/100/50 package is double Georgia’s 25/50/25 on every line, at $50,000 a person, $100,000 an accident and $50,000 for property, and our price includes $500 deductibles on your car. It averages $208 a month, just $1 below full coverage’s $209; Progressive charges $147.

How much is full coverage car insurance in Georgia?

Our full-coverage package pairs 100/300/100 liability with 100/300 uninsured and underinsured motorist protection and $500 deductibles. Georgia averages $209 a month ($2,512 a year) across the insurers we priced. Progressive is lowest at $168, then GEICO at $179, Auto-Owners at $213 and Allstate at $310; USAA, open only to military families, is $176.

Is liability coverage full coverage in Georgia?

No. Liability is for damage you do to others; repairs to your own car need collision and comprehensive. According to Triple-I, “full coverage” is an informal label, not a type of policy, that generally bundles the three. In Georgia, 25/50/25 liability costs $65 a month at GEICO and $85 on average, while full coverage is $168 at Progressive and $209 on average.

Does credit score affect car insurance in Georgia?

Yes, within limits. Georgia insurers may use credit, but rates can’t be based solely on a credit score, the absence of a credit history can’t be held against you, and insurers must give reasons for adverse actions (O.C.G.A. 33-24-90 to 98; NAIC chart of state credit-scoring laws).

What happens if you drive without insurance or let it lapse in Georgia?

Georgia treats 10 or more days without liability coverage on record as a lapse and charges a $25 fee. An unpaid fee can lead to a suspended registration, and reinstating costs $60 for a first or second lapse within five years and $160 for a third (Georgia Department of Revenue). Driving on a suspended registration is a misdemeanor.

How can I find cheap car insurance quotes in Georgia?

Compare several companies using the same limits and deductibles, and include both 50/100/50 and full coverage. For our driver, the full-coverage spread runs from Progressive’s $168 to Allstate’s $310 a month. Where you live matters as well: Clayton County averages $129 a month more than Lowndes County for full coverage.