Cheap Car Insurance in Georgia 2019
Average Georgia premiums by company
| Company
(click to see company information) | Average annual premium in Georgia |
|---|---|
| Auto-Owners Insurance | $1,674 |
| Farm Bureau | $1,732 |
| 21st Century Insurance | $1,746 |
| The Hartford | $1,778 |
| Allied | $1,788 |
| Travelers Insurance | $1,812 |
| USAA | $1,829 |
| State Farm | $1,889 |
| AAA Insurance/Auto Club | $1,900 |
| Farmers Insurance | $1,909 |
| Liberty Mutual | $1,917 |
| COUNTRY Financial | $1,937 |
| Nationwide Insurance | $1,960 |
| American Family Insurance | $1,962 |
| Amica | $1,966 |
| Safeway Insurance | $1,983 |
| Progressive Insurance | $1,991 |
| Allstate | $2,003 |
| MetLife | $2,004 |
| Esurance | $2,012 |
| The General | $2,017 |
| American National | $2,019 |
| Safeway Insurance | $2,131 |
| Safeco | $2,136 |
| Mercury Insurance | $2,212 |
Insurance increases after a speeding ticket
Georgia drivers who got a speeding ticket see an average premium increase of 25% at renewal time.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Georgia | $1,939/year | $2,429/year | 25% |
| Nationwide average | 26% | ||
Insurance increases after an accident
Georgia drivers who caused an accident got an average premium increase of 37%.
| State | Clean driving record | Chargeable accident, no injury | % increase |
|---|---|---|---|
| Georgia | $1,939/year | $2,658/year | 37% |
| Nationwide average | 36% | ||
Insurance increase after a DUI
If you're convicted of a DUI, the average premium increase in Georgia is 39%
| State | Clean record | DUI | % increase |
|---|---|---|---|
| Georgia | $1,939/year | $2,487/year | 28% |
Average premiums in Georgia cities
| City | Average annual premium |
|---|---|
| Acworth | $1,846 |
| Albany | $1,819 |
| Alpharetta | $1,855 |
| Athens | $1,751 |
| Atlanta | $2,034 |
| Augusta | $1,893 |
| Austell | $2,054 |
| Brunswick | $1,798 |
| Buford | $1,824 |
| Calhoun | $1,624 |
| Canton | $1,863 |
| Carrollton | $1,896 |
| Cartersville | $1,936 |
| Clarkston | $1,934 |
| Columbus | $1,886 |
| Conyers | $2,100 |
| Covington | $1,984 |
| Cumming | $1,737 |
| Dacula | $1,974 |
| Dallas | $1,863 |
| Dalton | $1,631 |
| Decatur | $2,127 |
| Douglasville | $1,945 |
| Dublin | $2,084 |
| Duluth | $1,964 |
| Ellenwood | $2,162 |
| Fairburn | $2,145 |
| Fayetteville | $1,986 |
| Forest Park | $2,116 |
| Gainesville | $1,813 |
| Griffin | $1,978 |
| Hampton | $1,860 |
| Hephzibah | $1,919 |
| Hinesville | $1,979 |
| Jonesboro | $2,023 |
| Kennesaw | $1,899 |
| Lagrange | $1,900 |
| Lawrenceville | $1,966 |
| Lilburn | $2,050 |
| Lithia Springs | $2,043 |
| Lithonia | $2,210 |
| Loganville | $1,912 |
| Mableton | $1,882 |
| Macon | $1,972 |
| Marietta | $1,972 |
| Mcdonough | $1,958 |
| Milledgeville | $2,045 |
| Monroe | $1,796 |
| Morrow | $2,181 |
| Newnan | $1,835 |
| Norcross | $2,002 |
| Powder Springs | $1,966 |
| Rex | $2,095 |
| Riverdale | $2,114 |
| Rome | $1,758 |
| Rossville | $1,531 |
| Roswell | $1,836 |
| Savannah | $1,913 |
| Smyrna | $1,963 |
| Snellville | $2,077 |
| Statesboro | $1,786 |
| Stockbridge | $2,001 |
| Stone Mountain | $2,122 |
| Suwanee | $2,044 |
| Thomasville | $1,807 |
| Tucker | $2,169 |
| Union City | $2,119 |
| Valdosta | $1,877 |
| Villa Rica | $1,945 |
| Warner Robins | $1,861 |
| Waycross | $1,760 |
| Winder | $1,824 |
| Woodstock | $1,738 |
You must show an insurance ID card (or other proof of financial responsibility) in Georgia when:
- Law enforcement requests it.
- You renew vehicle registration.
- Your vehicle is involved in a car accident.
Penalties for not having auto insurance in Georgia
- Misdemeanor, subject of a fine of $200 to $1,000 and/or up to 12 months imprisonment; suspension of registration until proof provided and fee are paid.
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 21, 2019