10 Best Auto Insurance Companies in Georgia for 2025 (Top GA Providers)
Erie, Farmers, and State Farm are the best auto insurance companies in Georgia, with rates starting at $58 a month. Erie leads for customer satisfaction, Farmers for dependable claims support, and State Farm for its strong agent network, earning them recognition as the top auto insurance companies in GA.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
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UPDATED: Jul 17, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jul 17, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Full Coverage in Georgia
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1,883 reviews
3,072 reviewsCompany Facts
Full Coverage in Georgia
A.M. Best
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Pros & Cons
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18,155 reviewsCompany Facts
Full Coverage in Georgia
A.M. Best
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Pros & Cons
18,155 reviewsThe best auto insurance companies in Georgia are Erie, Farmers, and State Farm. Erie ranks highest overall thanks to its top-tier customer satisfaction score.
Our Top 10 Company Picks: Best Auto Insurance Companies in Georgia| Company | Rank | Claims Satisfaction | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 676 / 1,000 | A+ | Customer Satisfaction | Erie |
 | #2 | 676 / 1,000 | A | Claims Support | Farmers |
 | #3 | 673 / 1,000 | A++ | Strong Network | State Farm |
 | #4 | 669 / 1,000 | A+ | Broad Coverage | Nationwide |
 | #5 | 651 / 1,000 | A++ | Fast Service | Geico |
 | #6 | 650 / 1,000 | A++ | Reliable Policies | Auto-Owners |
 | #7 | 642 / 1,000 | A++ | Low-Mileage Drivers | Travelers |
 | #8 | 637 / 1,000 | A+ | Tech Innovation | Progressive |
 | #9 | 637 / 1,000 | A | Add-On Options | Liberty Mutual |
 | #10 | 634 / 1,000 | A+ | Drivewise Program | Allstate |
Farmers is a strong choice for drivers who prioritize dependable claims support, while State Farm stands out for its extensive agent network and cheap rates across Georgia, starting at $58 per month.
Each of these providers also offers solid financial ratings and competitive discounts, making them ideal for a range of coverage needs (Learn More: Best Car Insurance Discounts You Can’t Miss).
- State Farm has the best auto insurance in GA for $58 per month
- Erie is the top pick for customer satisfaction and strong value
- Georgia requires 25/50/25 in minimum liability coverage
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
Auto Insurance Rates in Georgia
When it comes to the best auto insurance companies in Georgia, Erie, Farmers, and State Farm rank highest for customer satisfaction, claims support, and network strength.
Georgia Auto Insurance Monthly Rates by Coverage| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $90 | $224 |
| $75 | $189 |
| $61 | $142 |
| $82 | $203 |
| $33 | $83 |
| $144 | $359 |
| $83 | $207 |
| $63 | $156 |
| $58 | $146 |
| $60 | $149 |
However, if affordability is your top priority, Geico offers the cheapest rates in the state, with minimum coverage starting at just $33 per month and full coverage at $83.
State Farm and Erie follow closely behind with highly competitive minimum rates of $58 and $61 per month, respectively, while still maintaining strong financial ratings and customer service reputations. To get multiple auto insurance quotes, use an online tool to compare quotes, reach out to agents, or contact companies directly.
Georgia Auto Insurance Costs for Teens
Age plays a major role in determining auto insurance rates in Georgia. Teen drivers face the highest premiums, with 16-year-old males paying over 20% more than their female counterparts.
Rates steadily decline with age as driving experience improves, but costs stay higher than average until GA drivers turn 30. Drivers in their 50s and early 60s see the lowest premiums.
Georgia High-Risk Auto Insurance Rates
Another impact on Georgia auto insurance rates is a driver’s record—and providers like State Farm, Erie, and Geico lead in offering affordable options even after violations.
Georgia Auto Insurance Monthly Rates by Driving Record
| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $90 | $140 | $113 | $94 |
| $75 | $105 | $139 | $92 |
| $61 | $90 | $124 | $78 |
| $82 | $116 | $113 | $102 |
| $33 | $53 | $131 | $35 |
| $144 | $199 | $231 | $195 |
| $83 | $118 | $225 | $121 |
| $63 | $154 | $88 | $88 |
| $58 | $69 | $64 | $62 |
| $60 | $84 | $125 | $82 |
State Farm delivers the lowest rates across the board for drivers with an accident, DUI, or ticket, making it the most forgiving insurer for high-risk drivers (Read more: Cheap Auto Insurance for High-Risk Drivers).
Erie remains competitive with clean driving rates at $61 per month and manageable increases after infractions. These companies stand out for balancing low rates with flexibility for drivers facing different risk levels.
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How Georgia Auto Insurance Claims Impact Rates
Georgia’s auto insurance rates are influenced by a blend of risk factors that vary by location. Although the state earns an A- for low vehicle theft rates, other factors, including above-average claim sizes, dense traffic in metro areas, and seasonal weather hazards, push monthly premiums higher.
Georgia Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Vehicle Theft Rate | A- | Below-average thefts per capita |
| Average Claim Size | B+ | Costs slightly above national average |
| Traffic Density | B | Congested in urban metro areas |
| Weather-Related Risks | B | Moderate storms and hail risk |
This mixed risk profile means drivers in cities like Atlanta, Savannah, and Augusta often pay more than those in rural parts of the state. Atlanta leads the state with over 55,000 reported accidents annually, but it’s not the only hotspot.
Georgia drivers should consider how often they drive, where they live, and how much coverage they’d need in a worst-case scenario.
Tim Bain Licensed Insurance Agent
Cities like Augusta, Columbus, and Savannah also see thousands of claims every year, proving that accident frequency isn’t just an Atlanta problem.
Georgia Annual Traffic Accidents & Claims by Major City
| City | Annual Accidents | Annual Claims |
|---|---|---|
| Albany | 4,100 | 3,200 |
| Athens | 6,500 | 5,000 |
| Atlanta | 55,000 | 42,000 |
| Augusta | 9,200 | 7,000 |
| Columbus | 8,700 | 6,800 |
| Johns Creek | 3,900 | 3,000 |
| Macon | 7,600 | 6,000 |
| Roswell | 4,400 | 3,300 |
| Sandy Springs | 5,200 | 4,100 |
| Savannah | 8,900 | 6,900 |
Collision and comprehensive auto insurance claims make up the majority of insurance activity in Georgia, with collision claims accounting for nearly one-third of all filed claims. Understanding these claim trends helps explain why full coverage policies in Georgia vary widely depending on driver history and risk exposure.
5 Most Common Auto Insurance Claims in Georgia
| Rank | Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|---|
| #1 | Collision | 32% | $4,100 |
| #2 | Comprehensive (e.g., hail, theft) | 24% | $2,000 |
| #3 | Property Damage Liability | 18% | $3,800 |
| #4 | Bodily Injury Liability | 15% | $18,500 |
| #5 | Personal Injury Protection (PIP)/MedPay | 11% | $2,200 |
The best insurance companies in Georgia, including Erie, State Farm, and Farmers, consider local risks when setting their prices. This is why your car insurance rate can be very different from someone else’s, even if they live nearby. Checking quotes from a few car insurance companies in Georgia is one of the best ways to find the right fit for your location and budget.
Georgia Auto Insurance Coverage Requirements
To legally drive in Georgia, all motorists must carry minimum liability insurance. These required limits help drivers cover basic damages in an at-fault accident, including medical bills and property repairs.
Georgia Minimum Auto Insurance Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability (per person) | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
While these limits meet Georgia’s legal minimums, they may not offer full protection in a serious accident. Many drivers choose to increase their liability limits or add optional coverages for better financial security.
Read More: Liability vs. Full Coverage Auto Insurance
Additional Auto Insurance Coverage Options in Georgia
Beyond the state-required liability auto insurance coverage, Georgia drivers can customize their policies with a range of optional coverages. These add-ons provide valuable protection against medical costs, weather-related damage, uninsured drivers, and more.
Georgia Auto Insurance Coverage Options
| Coverage Option | Factors |
|---|---|
| Collision | Vehicle age, past accidents |
| Comprehensive | Theft risk, weather, location |
| Gap Insurance | Loan amount, depreciation speed |
| Liability | Required limits, driving record |
| Medical Payments (MedPay) | Injury risk, health coverage |
| Personal Injury Protection | Medical costs, accident frequency |
| Rental Reimbursement | Rental needs, accident chance |
| Roadside Assistance | Vehicle age, driving distance |
| Uninsured/Underinsured Motorist | State rate, accident history |
Choosing the right combination of optional coverages can help Georgia drivers reduce costs after an accident or unexpected event. Comparing plans based on personal risk factors ensures the most effective and affordable protection.
Top Auto Insurance Discounts in Georgia
When it comes to maximizing savings on car insurance, be sure to check the full list of auto insurance companies in Georgia to compare discounts, coverage options, and rates that fit your budget.
Top Auto Insurance Discounts in Georgia| Company | Anti- Theft | Bundling | Claim- Free | Good Driver | New Car |
|---|---|---|---|---|---|
| 10% | 25% | 10% | 25% | 10% |
| 12% | 16% | 10% | 25% | 8% |
| 15% | 25% | 10% | 23% | 12% |
| 10% | 20% | 9% | 30% | 12% |
| 25% | 25% | 12% | 26% | 10% |
| 35% | 25% | 8% | 20% | 8% |
| 5% | 20% | 14% | 40% | 15% |
| 25% | 10% | 10% | 30% | 10% |
| 15% | 17% | 11% | 25% | 15% |
| 15% | 13% | 13% | 10% | 8% |
Farmers and Nationwide offer competitive discounts of 30%-40% for good drivers, while State Farm and Auto-Owners offer a solid 25% off rates for safe driving.
Farmers offers more discounts than other Georgia auto insurance companies, including a 20% bundling discount, but some savings are smaller.
However, these discount programs can significantly reduce monthly premiums, especially when combined with other discounts and combined smart rate-reduction strategies.
Enter your zip code below to view companies that have cheap insurance rates.
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Other Ways to Lower Auto Insurance Rates in Georgia
Beyond stacking up discounts from top providers, Georgia drivers can take several proactive steps to reduce their premiums. Whether you live in a high-traffic area or have a clean driving record, applying these strategies can lead to meaningful long-term savings.
- Compare Rates by ZIP Code: Rates in Georgia vary significantly by area, so comparing quotes from providers in both urban centers like Atlanta and smaller cities can uncover cheaper options.
- Take Advantage of Low-Mileage & Usage-Based Programs: Drivers who log fewer miles can save with programs like Travelers’ IntelliDrive and Progressive’s Snapshot, especially in rural or suburban parts of Georgia.
- Boost Your Credit & Maintain Coverage: Since Georgia insurers factor in credit history, improving your score and keeping continuous coverage with no lapses can both help lower premiums.
- Raise Your Deductible Strategically: Choosing a higher deductible—especially if you rarely file claims—can reduce your monthly cost without sacrificing essential protection.
- Complete a Defensive Driving Course: Georgia drivers who finish a state-approved defensive driving class may qualify for discounts from several providers, particularly if they’ve had a ticket or accident.
Even small changes in coverage habits, location awareness, or safe driving efforts can go a long way toward lowering auto insurance rates in Georgia. Look at our tips to pay less for car insurance for more ways to save.
Reviewing your policy and comparing quotes annually is the best way to stay on top of potential savings. Get fast and cheap auto insurance coverage today with our quote comparison tool.
10 Best Auto Insurance Companies in Georgia
Erie, Farmers, and State Farm are the top three companies offering the best auto insurance in Georgia. However, all ten providers bring unique strengths. Compare them below to find the right Georgia auto insurance company for your needs.
#1 – Erie: Top Overall Pick
Pros
- Top Satisfaction: Erie leads Georgia in customer satisfaction, earning a 676/1,000 claims score, the highest among all listed providers.
- Affordable Coverage: Erie offers competitive minimum coverage at $61 per month in Georgia, making it a strong value for quality service.
- Generous Discounts: Georgia drivers can qualify for up to 25% bundling and 23% good driver discounts with Erie. Check out more ways to save in our Erie insurance review.
Cons
- Limited Availability: Erie isn’t available in every part of Georgia, which may limit access for some drivers.
- Fewer Digital Tools: Compared to national carriers, Erie’s tech features, like mobile app capabilities, are more limited in Georgia.
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#2 – Farmers: Best for Claims Support
Pros
- Reliable Claims: Farmers earns a 676/1,000 for claims satisfaction, making it a top choice for stress-free claims in Georgia.
- Minimum Coverage Rate: Farmers offers minimum coverage in Georgia starting at $82 per month, with added value through customer service.
- Strong Discounts: Georgia drivers benefit from up to 30% good driver discounts and 20% bundling deals. See the full list in our Farmers Insurance review.
Cons
- Higher Entry Price: Minimum coverage in Georgia costs more than many competitors on this list.
- Limited Bundling Value: While bundling is available, the 20% discount lags behind other GA providers like Liberty Mutual or Erie.
#3 – State Farm: Best for Strong Agent Network
Pros
- Widest Agent Access: State Farm’s strong local agent network ensures personal support for policyholders across Georgia.
- Low Rates: State Farm’s minimum coverage starts at just $58 per month in Georgia, one of the most affordable rates available.
- Solid Discounts: Georgia drivers can earn up to 25% good driver discounts and 17% off for bundling.
Cons
- Average Claims Score: State Farm scores 673/1,000 in Georgia for claims satisfaction, which is slightly lower than Erie and Farmers.
- Basic Add-Ons: Some specialized coverages and digital tools are more limited in Georgia compared to tech-forward providers. Browse options in our State Farm review.
#4 – Nationwide: Best for Broad Coverage
Pros
- Wide Coverage Options: Nationwide offers multiple coverage types in Georgia, including accident forgiveness and vanishing deductibles.
- Competitive Minimum Rate: While not the cheapest, Nationwide offers broad value for its $83 a month minimum coverage in Georgia.
- Top Discounts: With up to 40% good driver and 20% bundling discounts, Georgia drivers can unlock serious savings.
Cons
- Mid-Tier Claims Score: Nationwide’s GA claims satisfaction is 669/1,000, slightly trailing Erie and Farmers. Gather more information in our Nationwide auto insurance review.
- Higher Base Rate: With minimum coverage starting at $83 per month, it may not suit budget-focused Georgia drivers.
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#5 – Geico: Best for Fast Service
Pros
- Fast Digital Service: Georgia drivers benefit from Geico’s 24/7 digital claims handling and mobile tools.
- Top Discounts: Geico provides up to 26% off for good drivers and 25% bundling discounts in Georgia.
- Lowest Rate: Geico offers the most affordable minimum coverage in Georgia at just $33 per month.
Cons
- Lower Claims Score: Geico’s GA claims satisfaction is 651/1,000, below top competitors like Erie and Farmers. Learn everything you need to know about Geico.
- Limited Local Agents: Geico’s service is mostly digital, which may not suit drivers in Georgia who prefer in-person support.
#6 – Auto-Owners: Best for Reliable Policies
Pros
- Dependable Coverage: Auto-Owners maintains a strong A++ financial rating and reputation for stability in Georgia. Get full ratings in our Auto-Owners review.
- Affordable GA Rate: Georgia minimum coverage starts at $75 per month, offering a balance between cost and service quality.
- Reliable Discounts: Offers up to 25% for good drivers and 16% bundling savings for Georgia policyholders.
Cons
- Smaller Presence: Fewer physical offices across Georgia may limit personalized service options.
- Average Claims Score: With a GA satisfaction score of 650/1,000, it’s slightly behind other leading companies.
#7 – Travelers: Best for Low-Mileage Drivers
Pros
- Mileage-Based Savings: Travelers is ideal for low-mileage drivers in Georgia, with usage-based pricing starting at $60 per month.
- Strong Financials: With an A++ rating, Travelers offers long-term policy stability in Georgia. Explore more ratings in our Travelers auto insurance review.
- Good Driver Discount: Georgia drivers can access up to 13% discounts for safe driving habits.
Cons
- Lower Claims Score: At 642/1,000, Travelers’ GA claims satisfaction is lower than most competitors.
- Limited Tech Features: Mobile app and online services are more basic than those of Progressive or Geico in Georgia.
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#8 – Progressive: Best for Tech Innovation
Pros
- Tech-Friendly: Progressive offers Snapshot, a telematics program that rewards safe Georgia drivers with discounts. Learn how to qualify in our Progressive auto insurance review.
- Mid-Level Rates: Progressive offers minimum coverage in Georgia from $63 per month, competitive for tech-enhanced policies.
- Usage-Based Discounts: Georgia drivers can save up to 30% with Snapshot’s real-time tracking.
Cons
- Mixed Claims Reviews: With a 637/1,000 satisfaction score, Progressive lags behind GA leaders like Erie.
- Fewer Local Agents: A digital-first experience may not suit Georgia drivers who prefer local support.
#9 – Liberty Mutual: Best for Add-On Options
Pros
- Custom Add-Ons: Liberty Mutual offers accident forgiveness, new car replacement, and more for Georgia policyholders.
- Bundling Value: Drivers in Georgia can unlock 25% bundling discounts, plus 35% for anti-theft features. Explore full discount offerings in our Liberty Mutual review.
- Strong Optional Features: Roadside assistance and rental reimbursement are easily added to GA policies.
Cons
- Highest Rate: Liberty Mutual’s minimum coverage in Georgia starts at $144 per month, which is well above competitors’ rates.
- Claims Satisfaction Concerns: With a score of 637/1,000, Liberty’s claims satisfaction in GA is on the lower end.
#10 – Allstate: Best for Drivewise Program
Pros
- Telematics Rewards: Allstate’s Drivewise® rewards safe Georgia drivers with discounts and real-time feedback.
- Good Discounts: Georgia drivers may save up to 25% for safe driving and 25% for bundling. Learn more about these savings in our Allstate auto insurance review.
- Broad Coverage: Allstate offers rental reimbursement, MedPay, and accident forgiveness options for Georgia policies.
Cons
- Above-Average Rates: Minimum coverage in Georgia costs $90 per month, which is higher than the state average.
- Mid-Tier Claims Score: Allstate’s GA claims satisfaction score is 634/1,000, trailing Erie, State Farm, and Farmers.
Frequently Asked Questions
What is the best car insurance company in Georgia?
Erie is considered the best car insurance company in Georgia for its top-rated customer satisfaction, competitive pricing, and strong financial stability. Farmers and State Farm also rank highly for claims support and local agent accessibility.
Read More: What to Do If You Can’t Afford Your Auto Insurance
What is the cheapest high-risk auto insurance in Georgia?
State Farm provides the most affordable high-risk coverage in Georgia, with rates as low as $62–$69, depending on the violation, followed by Erie and Progressive. You can find affordable auto insurance, no matter your driving record, by entering your ZIP code into our free quote comparison tool.
What is the recommended car insurance coverage in Georgia?
While Georgia requires 25/50/25 liability coverage, it’s recommended to carry higher limits along with comprehensive, collision auto insurance, and uninsured motorist coverage for broader protection.
What is the cheapest full coverage car insurance in Georgia?
Geico offers the cheapest full coverage in Georgia at around $83 per month, followed by Erie and State Farm, which offer strong value with full coverage options starting near $142–$146.
Why is car insurance in Georgia so high?
Rates in Georgia are elevated due to heavy traffic in cities, frequent weather claims, and higher-than-average accident and claim costs, which drive up premiums statewide.
Learn More: 10 Worst States for Filing Auto Insurance Claims
How can I lower my car insurance in Georgia?
You can lower your premium by comparing quotes, driving fewer miles, improving your credit, raising your deductible, and completing a Georgia-approved defensive driving course.
Does Geico cover Georgia?
Yes, Geico provides coverage and is one of the cheapest car insurance companies in Georgia for minimum and full coverage, especially for drivers with clean records.
What insurance is required in Georgia?
Georgia requires minimum liability coverage of 25/50/25, which includes bodily injury and property damage liability, to legally operate a vehicle in the state.
Is Georgia expensive for car insurance?
Yes, Georgia is more expensive than average due to high accident rates, dense urban traffic, and costly claims, particularly in cities like Atlanta and Savannah. Avoid expensive auto insurance premiums by entering your ZIP code to see the cheapest rates for you.
Which car insurance company has the highest customer satisfaction?
Erie has the highest customer satisfaction score in Georgia, earning a 676/1,000 rating thanks to its reliable claims process and strong policyholder support.
Read More: How to Buy Auto Insurance
Enter your zip code below to view companies that have cheap insurance rates.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
