8 Best Car Insurance Companies in Georgia of 2022
Georgia has the fourth-largest number of fatal auto accidents in the country.
In addition, Georgia is known for its high car theft.
And the more time you spend driving on its busy roads and congested highways—such as Interstate 285 and I-85—the more likely you’ll get into an accident.
Those are some of the reasons why Georgia residents need car insurance.
If you get into an accident, car insurance in Georgia will pay for any medical expenses that the injured person has.
And if you damage someone’s property while driving, auto coverage will pay to fix or replace it.
But most of all, auto insurance will cover you if you get into an accident.
However, auto insurance is expensive in the Peach State because of the high costs for auto repairs, natural disaster weather events, uninsured drivers, and more.
So, what do you do? There are many insurers out there, and it can be daunting to pick the one that meets your exact needs.
For example, if you want to increase your liability in case your policy limits are exhausted, which company do you think is best to handle the increase?
We’re here to help. Whether you live in Atlanta or Athens, we’ve put together a list of the best car insurance companies in Georgia that may help you find the insurer you want and give you an idea of what’s out there.
In addition, we gathered information about car insurance, including what is and what is not mandatory in Georgia, to give you a complete picture of all the things you need to know when buying a policy.
Best Car Insurance Companies in Georgia
- Liberty Mutual: Best Car Insurance When Your Car is Totaled
- Progressive: Best Car Insurance for Good Drivers
- Farmers: Best Car Insurance with Numerous Discounts
- Amica: Best Car Insurance for Free Benefits
- Geico: Best Car Insurance for Necessary Add-Ons
- Allstate: Best Car Insurance for Roadside Assistance
- State Farm: Best Car Insurance for the Most Affordable Rates
- Travelers: Best Car Insurance for Additional Options
Liberty Mutual: Best Car Insurance When Your Car is Totaled
Liberty Mutual has been offering auto insurance for over 100 years. You can trust the insurer to get a customized quote that fits your needs.
What Liberty does best is cover you when your car is totaled.
For example, here are three of the most popular insurances that you can add to your standard or enhanced policy.
New Car Replacement
If you total your new car during the first year since you bought the car, you’ll be reimbursed for a brand-new car. The best thing about this insurance is that you don’t get the depreciated value of your car and instead get the replacement cost value.
Better Car Replacement
Say your car is again totaled. Liberty Mutual will reimburse you so that you’ll have money to buy a model that is one year newer.
Reimbursement For a Rental
If you are in an accident and your car received extensive damages, Liberty will pay you the cost of a rental car.
In addition, if you repair your car using the insurer’s approved auto repair company, and let the insurer take care of securing you a rental car, Liberty will cover your rental costs for as long as it takes to repair your car.
Liberty Mutual Car Insurance Multi-Policy and Multi-Car Discounts
If you bundle your auto insurance with other policies like home, life, or umbrella coverage, you’ll get a discount.
If you have multiple cars listed on your policy, you’ll get a discount.
Liberty Mutual Car Insurance Pros & Cons
- Accident and roadside support feature on mobile app lets you capture information and photos at the scene of an accident.
- Mobile app also allows you to request a rental car after an accident.
- Lots of discounts.
- Offers gap insurance.
- Coverage calculator on website makes recommendations on what you need best.
- Better car replacement huge plus; many insurers don’t offer this.
- Easy to use website.
- Higher policy rates based on credit and driving record.
- Claims satisfaction lower than average.
|J.D. Power (out of 1,000)||872|
|A.M. Best - Financial Strength Rating||A|
|NAIC Complaint Index||1.80|
Progressive: Best Car Insurance for Good Drivers
At Progressive, the safer you drive, the more you save. That’s because Progressive has a Snapshot program that can personalize your premium based on your good driving habits.
Snapshot is easy to use for many drivers. After you get a quote and enroll in Snapshot, you can choose the way you want to be tracked.
You can use the mobile app or a plug-in device that you stick in your car.
Then you’re ready to drive, and you can check to see how well you drive using the app or the insurer’s website.
Technically called usage-based insurance, this means you pay based on how much you drive instead of just traditional factors. In so doing, and according to Progressive’s website, drivers who use Snapshot save an average of $145 a year.
Progressive Car Insurance Multi-Policy and Multi-Car Discounts
Get a multi-policy discount when you pair your auto insurance with your homeowners insurance or condo insurance. You can also combine auto with motorcycle insurance or auto with RV.
You can save if you have additional cars and insure them all with Progressive. The car should belong to a spouse, a family member, or a roommate, but keep in mind that the car needs to be kept primarily at your home address.
Progressive Car Insurance Pros & Cons
- Competitive rates for drivers with a DUI
- Multiple ways to get initial quote.
- High financial strength.
- Pet injury insurance included in most states if you buy collision coverage.
- Uninsured/underinsured motorist coverage.
- Roadside assistance, rental car reimbursement, and other coverages can help you after an accident.
- Most expensive rates among insurers for teen drivers.
- More expensive than similar insurers.
|J.D. Power (out of 1,000)||819|
|A.M. Best - Financial Strength Rating||A+|
|NAIC Complaint Index||2.24|
Farmers: Best Car Insurance with Numerous Discounts
Everyone knows that when you buy auto insurance (or life, homeowners, and renters insurance), you can save on your policy if your insurer offers you copious discounts.
That’s what Farmers is most renowned for. With many discounts, you are bound to save if you qualify for them.
Farmers Car Insurance Discounts
If your car has an anti-theft device in your car that was put in by the manufacturer or authorized dealer, you can get a discount.
Business/Professional Group Discount
If you are employed with or retired from an approved occupation or professional group and meet the eligibility criteria, you can get a discount
If you bundle life insurance with auto, you’re eligible for a discount.
Get a discount on your auto insurance if you also have a Farmers renters policy.
Receive a discount on auto if you also have a Farmers umbrella policy.
Electronic Funds Transfer Discount
Auto paying gets you a discount.
If you enroll in electronic document delivery, such as having all your policy info sent to you by email, you also get a discount.
Good Student Discount
It pays if you are smart or young. If you are between 16 to 24 and are a student at a high school or college and have a GPA that’s above 3.0, you’ll get a discount.
Get a discount on your auto insurance policy if you own your home.
Paid in Full Discount
If you pay your entire premium, you’ll also get a discount.
Safe Driver Discount
If you have a clean driving record, you’ll get a discount but only in select states.
Senior Defensive Driver Discount
If you are 65 years of age or 55 in some states and have passed a driver’s ed course approved by the DMV, you’ll save on your premium.
Discount if two or more cars are insured with Farmers.
Discount if you bundle auto, renters, homeowners, or condo insurance.
Farmers Car Insurance Pros & Cons
- Earn rewards for safe driving with Signal, the mobile app that pays you in discounts.
- Great selection of coverage options and add-ons.
- Available in all 50 U.S. states.
- Many discount opportunities.
- Well-reviewed mobile app.
- High marks for customer service.
- Handles claims promptly, according to customer feedback.
- Allows you to customize your coverage to suit your needs.
- Fewer complaints than expected for a company of its size.
- Customers complain about slow roadside assistance.
- Premiums can be high in some states based on your driving record or credit score, to name a few.
- Based on survey data, policyholders are less likely to renew their policy.
|J.D. Power (out of 1,000)||839|
|A.M. Best - Financial Strength Rating||A|
|NAIC Complaint Index||1.19|
Amica: Best Car Insurance for Free Benefits
Amica has the most competitive rates in the US, whether you purchase full coverage or just the minimum. The insurer also specializes in young adults, giving them good rates even if they have a traffic violation.
What’s appealing about Amica is its free benefits that often come at a cost to comparable insurers.
These benefits include lock replacement, airbag repair, glass repair, wage reimbursement (if you have to appear in court), bail bonds, and depreciation protection.
In addition, Amica auto has supplemental coverage options. Under their Platinum Choice package, you get a lot of useful things such as roadside assistance, full glass coverage, rental reimbursement, identity monitoring, and better rental coverage.
Amica Mutual Auto Insurance Multi-Policy/Multi-Car Discounts
Bundling auto with home or renters insurance and other products gets you a discount
When you insure two or more cars with Amica, you’ll also get a discount.
Amica Mutual Car Insurance Pros & Cons
- Generous discounts.
- Cheap car insurance policies.
- Best in class claims processing.
- High customer satisfaction ratings.
- Low consumer complaints.
- Many policy perks.
- Potential for earning dividends.
- Offers rare coverage like glass deductible and identity theft.
- Excellent range of discounts.
- Live chat.
- Doesn’t offer deductible modification or better car replacement.
- Discounts not available in all states.
- No rideshare insurance.
|J.D. Power (out of 1,000)||891|
|A.M. Best - Financial Strength Rating||A+|
|NAIC Complaint Index||1.32|
Geico: Best Car Insurance for Necessary Add-Ons
GEICO was founded in 1936 and, in recent years, it wrote nearly $37.4 billion in insurance premiums.
It’s known for being as big as Allstate.
In addition to the standard insurance, Geico offers a few add-on coverage options that make your policy more comprehensive but will increase your rates.
GEICO Car Insurance Add-ons
Emergency roadside assistance
This includes towing, jump-starts, tire changes, lockout services, fuel delivery, and winching.
Rental car reimbursement
If your car is in an auto body shop for covered repairs, this add-on will reimburse you for the cost of a rental car.
If you drive for Uber or Lyft, these services in most cases only cover you while you are driving a passenger or are on the road to pick up a passenger. To eliminate this gap, rideshare coverage is available to professional drivers when they turn on Geico’s app and are waiting for a customer.
If your car is less than 15 months old and has a mileage of fewer than 15,000, this coverage will pay for unexpected repairs if certain parts of your car suddenly fail through normal wear and tear.
Geico Auto Insurance Discounts
Bundling auto with home or renters insurance and other products \gets you a discount on your premium.
Save when you add a second vehicle or more to your policy.
GEICO Car Insurance Pros & Cons
- Highest financial strength and highest ranking from AM Best.
- Most drivers can get affordable premiums, even if they don’t have a clean driving record.
- Drivers with poor credit still qualify for low rates.
- Usage-based insurance discount.
- Highly-rated mobile app.
- Unique options.
- Several discounts.
- Easy to get a quote online.
- Fewer local agents than other insurers.
- Doesn’t offer coverage for new car replacement or better car replacement.
- Average complaint scores.
|J.D. Power (out of 1,000)||828|
|A.M. Best - Financial Strength Rating||A++|
Allstate: Best Car Insurance for Roadside Assistance
Allstate was founded in 1931 and has become a household brand name and has the distinction of issuing 113 million policies.
Despite how large the insurer is, Allstate has distinctive coverage options for every driver.
But what if you have a flat tire and you’re stuck in the middle of nowhere? What if you run out of gas due to your negligence?
This is where Allstate stands out.
It has two roadside assistance plans. In addition, no matter which plan you buy, you can also receive additional perks like discounts and resources for travel or buying a new car.
Offers 24/7 protection for local/minimal driving.
You get a maximum of 3 rescues per year.
The plan includes jump starts, fuel delivery, lockout assistance, and tire changing.
- $1,500 trip interruption
- $100 road hazard benefit
- $150 tow service benefit (per tow)
Offers 24/7 coverage for regular travelers, motorcycles, and RVs.
Your maximum rescues are higher, at 5 per year.
All roadside features included in the roadside advantage plan are featured in the elite plan.
- $1,500 trip interruption
- $250 road hazard benefit
- $250 tow service benefit (per tow)
Allstate Auto Insurance Discounts
Bundle auto with home or renters insurance.
Allstate Car Insurance Pros & Cons
- Easy claims filing on website.
- Easy access to customer service.
- Immediate service with no waiting period.
- 24/7 availability.
- No yearly commitment.
- If car is new and you’re the first owner, you get a discount.
- Discount available for smart students.
- Save-driving bonus every six months.
- Rideshare available in certain states.
- Unique add-ons.
- Higher-than-average rates.
- Below-average policy renewal scores.
|J.D. Power (out of 1,000)||870|
|A.M. Best - Financial Strength Rating||A+|
|NAIC Complaint Index||4.04|
State Farm: Best Car Insurance for the Most Affordable Rates
State Farm, like Allstate, is a trusted brand name with decades of experience and offers great customer service as well as several discounts to offset the price of your premium.
Its large market share allows State Farm to keep its prices competitive.
In Georgia, auto insurance with State Farm costs $640 per year or $53 per month.
Compare that with the state average, which is $715 per month, or $60 a year, and you’ll notice how affordable State Farm auto insurance is.
The exact cost of auto insurance with State Farm depends on factors such as a driver's history on the road, age, state, and coverage limits.
With State Farm, you also have access to discounts that the insurer provides to customers and which can significantly reduce your already affordable rate.
State Farm Car Insurance Discounts
If you bundle auto with home, you can save up to $1,127 according to the State Farm auto insurance website.
If you insure your car and have another one or more to insure, you’ll get a discount.
State Farm Car Insurance Pros & Cons
- Below-average rates for most drivers.
- Pays for rental car while car is being repaired due to covered collision.
- Passive restraint discount for cars that have automatic seat belts or factory-installed vehicle airbags.
- Pays for meals, lodgings, and transportation, if stranded 50 miles or more from home.
- Highest possible financial strength rating: AM Best A++
- Discount opportunities for students and teenagers.
- Usage-based insurance discount.
- Many local agents in Georgia and across the US.
- Offers driver training refresher course.
- Customer satisfaction rating for purchasing auto insurance is better than average.
- Coverage limits apply and vary by state.
- Doesn't offer gap insurance.
- Higher rates for drivers with poor credit.
|J.D. Power (out of 1,000)||818|
|A.M. Best - Financial Strength Rating||A++|
|NAIC Complaint Index||4.29|
Travelers: Best Car Insurance for Additional Options
Travelers offers many discounts to help you save on your premium and has an app to track your driving speed. If you are a good driver, your rate will lower over time.
Beyond the standard coverage, Travelers offers additional auto insurance options, some of which are not covered by comparable companies.
Gap insurance covers what you owe on a loan or lease after your car is totaled.
So if your car is totaled before it’s paid off or the lease is up, the insurer pays the difference between your loan’s balance and the car’s value.
Premier New Car Replacement
If you have a new car or if the car is five years old or lower and you get an accident that totals your car, Travelers will pay to replace the car with a brand new one.
Plus, while you are shopping for a new car, you can get a rental car replacement.
Travelers’ Responsible Driver Plan
If you have one accident and one minor violation (such as a speeding ticket) over a specific time period, Travelers will forgive you and make sure your rates won’t go up.
The Premier Responsible Driver Plan
In addition to the accident and violation forgiveness plan, as well as a decreasing deductible, if your car is totaled, your deductible will be waived.
Travelers Car Insurance Discounts
If you bundle auto with home insurance and three other insurance products, you’ll get a discount.
Travelers Car Insurance Pros & Cons
- Lots of coverage options.
- Plenty of discounts to lower your premium.
- Average premium is below the national average.
- Great price for loan/lease gap insurance.
- Good average auto rates for drivers with a DUI.
- Offers accident forgiveness.
- Offers usage-based insurance program (IntelliDrive), which may get safe drivers a good-sized discount.
- New driver discount.
- Easy car insurance quotes process.
- Below average customer satisfaction ratings.
- Rideshare insurance available only in Illinois and Colorado.
- If you add a teen driver, your rates will skyrocket.
- Multi-Policy discount is on the low end.
|J.D. Power (out of 1,000)||824|
|A.M. Best - Financial Strength Rating||A++|
|NAIC Complaint Index||3.88|
How We Picked and Ranked the Best Car Insurance Companies in Georgia
We researched auto insurers to find the best companies by category, using such factors as discounts, coverage, technology, and price.
Discounts help to make auto insurance affordable.
We looked at insurers that had the most discounts to lower your rate.
That included policies with high premiums. They may seem expensive, but we found that many can come down on costs if you apply your insurer’s discounts.
Every driver has different insurance coverage needs. So, when we evaluated insurers, we looked for companies that had a wide range of useful coverage options, such as protection from uninsured/underinsured motorists, roadside assistance, and gap coverage to name a few.
If a company had a website and mobile app, and both could simplify your life by allowing you to do several things related to your policy online, then that’s an insurer that we put on our list.
The factors we considered were ease of use, the ability to purchase a policy or get a quote online, file and track a claim, pay bills, and simplicity so that any policyholder, including those who don’t use the internet that much, can navigate the electronic tools without difficulty or hardship.
An insurer with a low premium and the ability to lower it more by using discounts ranked higher on our list than others.
How Does Car Insurance Work?
Auto insurance covers the costs if you hurt someone or damage that person’s property with your car.
It also covers damage to your own car, such as if you back into a telephone pole.
And, depending on your policy’s coverage, car insurance can also pay for medical expenses if you are injured in an accident.
What Makes Up Car Insurance?
There are two main parts that make up an auto insurance policy: bodily injury liability and property damage liability.
Bodily injury liability covers a person’s medical expenses after being injured in an accident that is caused by you.
Property damage liability covers damage to other people’s cars, like a smashed bumper.
Liability Insurance Coverage in Georgia
The only state requirement that Georgia drivers are required to have is liability auto insurance (both bodily injury and property damage).
This is simply the bare minimum of coverage you are required to have as a driver.
What Coverages Come with a Standard Auto Insurance Policy?
Bodily injury liability
Pays for medical bills if you’ve injured someone in an accident for which you are legally responsible.
Property damage liability
Pays for property damage you caused in an accident or damage you inflict on the property of another.
If you and your passengers get injured after an accident, this protection will pay for medical expenses regardless of fault.
What Is the Minimum Car Insurance Requirement in Georgia?
How much car insurance you need in Georgia should follow the minimum liability coverage that the state requires.
Georgia’s state law only requires the minimum coverage, which is:
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
- $25,000 in property damage per accident
Can I Increase My Limits?
The above minimum limits aren’t enough to cover expensive medical treatments or extensive damages to another car.
Say you have injuries from a car accident and you need medical attention. Now also say there was extensive damage to your car.
If your policy limits are exhausted or you have reached your accident limits, you will be held responsible for the remaining out-of-pocket costs.
As such, it is strongly suggested to increase your liability limits beyond the required amount.
Should I Get Additional Coverage in Georgia?
To drive legally, Georgia law only requires you to carry liability insurance, which again may not be enough.
As such, it’s also worth looking into additional coverages that can add more protection to your policy.
Here are the most important:
Comprehensive and Collision
For the right terminology, when you pair comprehensive with collision coverage, this means you have “full coverage.”
Comprehensive coverage helps to pay for things that happen to your car, such as vandalism, theft, damage from a natural disaster such as fire, hail, windstorm, floods, and falling objects like rocks or stones that hit or shatter your windshield. It also covers collisions with animals like deer.
Collision pays to repair your own car or replace it when it’s damaged in a car accident. This covers collision with a fixed object or if you collide with something that is moving, such as another car, another person, a deer, or a dog.
In the state of Georgia, full coverage is not mandatory.
However, the company that finances your vehicle may require it.
Gap insurance helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value. This is ideal for someone who is leasing or financing a car.
If you have a flat tire and you are stranded, roadside assistance may be your best option to cover you when things go wrong in your car while driving.
This add-on includes towing, jump-starts, tire changes, lockout services, and fuel delivery. The plan can also arrange for a rental vehicle if you need one.
Uninsured/Underinsured motorist (UM/UIM)
Georgia requires that all car insurance companies in the state provide uninsured/underinsured motorist insurance,
The coverage will take care of injuries you sustained or property you damaged if you are in an accident with a driver who does not have any liability insurance or is an uninsured or underinsured driver who is at fault.
For example, if a driver hits you and doesn’t have enough coverage or no coverage at all, your own coverage pays for car repairs and your personal medical bills.
What Does Car Insurance Exclude?
Any contents or personal effects inside your car are not covered if your car was robbed.
Any damage you cause to your car intentionally.
Normal wear and tear.
Mechanical failure unrelated to a covered event.
What Factors Determine the Cost of Car insurance in Georgia?
Many factors affect your premium rate.
An auto insurer will look at where you live, the type of car you drive, and more to give you a quote.
High Risk of Vehicle Theft
Georgia is in the top five states for car theft. This makes rates in Georgia more expensive than in other states. In Georgia, the most expensive locations to get coverage are Decatur, Lithonia, and Stone Mountain.
If you have a poor credit score, your premium will be high. Insurers believe you are more likely to skip payments or not pay at all and you are also more likely to file claims if your score is under 650 or lower. Learn how to check your credit score.
If you have a bad driving record, insurers will likely charge you more because they believe your current driving history will be reflected in the future.
Young people and teenagers are more at risk because they are presumed to drive more recklessly and get into many accidents.
In addition, if you are 65 or older, insurers will assume you are more likely to get into a car accident too.
The more time you spend on the road, the more likely you’ll get into an accident. So, for example, if you have a long commute to your job, auto insurers will increase your policy rates.
How Much Does Car Insurance Cost in Georgia?
The cost of your auto policy varies depending on different factors, such as the above.
That said, the average cost of car insurance in Georgia is $1,640 per year, which is high.
Why is Car Insurance So Expensive in Georgia?
Georgia car insurance is higher than other states, putting the state in the top ten most expensive places to take out a policy.
Auto insurance is expensive in Georgia due to many things, such as the high costs for auto repairs and health care, dangerous and busy highways, natural disasters, and the high rate of uninsured drivers.
This means more claims are paid out.
As such, an auto insurance company will compensate for the large number of claims by increasing its rates for all drivers, even if you haven’t filed a claim yourself.
And that means every driver pays more for their premiums.
In addition, Georgia has one of the largest number of fatal auto accidents in the country and has risky highways.
You may be wondering what the high cost of healthcare has to do with auto insurance.
But just think about it. Many Georgia drivers experience injuries and even loss of life. As such, they land in the hospital, whereby healthcare costs increase and whereby the insurer must pay more for claims. That, in turn, increases your premium, again even if you have not made a claim.
Another reason why rates are high is that auto repairs in Georgia are known to be the most expensive in the country. And that’s due to the many accidents that the state has in any given year. Repairs are also high due to the features and technologies in your car, especially smart or brand new cars.
To compensate for the high cost, once again insurers will raise your premium.
Finally, in Georgia, there are many uninsured drivers. To save on costs, drivers risk it all while driving and while not having insurance. The cost of an uninsured driver is passed on to existing policyholders through higher premiums.
How to Save on Car Insurance in Georgia
Get Multiple Quotes
A quote is an estimate of your premium cost. If you compare multiple quotes for the same coverage from different companies, you may likely find the best insurer for you.
If you take advantage of the multi-policy (bundling auto with home, for example) or the multi-car (multiple cars with the same insurer) discount, your premium will be lowered.
Most insurers offer discounts for certain things that relate to your policy or which you may qualify for. If you are a good driver, make no claims, or have a safe car, for example, you’ll feel that discount.
Some insurers have a comparison tool on their websites to compare rates. You can find a cheap policy using that tool, and it also saves you time when you go out on your own by comparing quotes.
Raise Your Deductible
If you raise your deductible, this means you’ll have a lower premium.
But know that when you lower your deductible, this will increase the amount you pay if you file a claim.