Shopping for auto insurance in Georgia doesn’t have to be stressful.
Georgia’s Auto Insurance Requirements
Before comparing quotes, you need to understand Georgia’s minimum insurance requirements:
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Bodily Injury Liability – $25,000 per person / $50,000 per accident
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Property Damage Liability – $25,000 per accident
These are the legal minimums. However, many drivers choose higher limits for better financial protection. This is because a serious accident can cost far more than the state’s minimum coverage
Where to Get Auto Insurance Quotes Online in Georgia
You can easily compare rates from multiple providers without leaving your home. Popular options include:
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the zebra – Compares quotes from national and local insurers in Georgia.
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Insurify – Personalized results based on your driving profile.
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Progressive – See their rates and compare with other companies.
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State Farm, Allstate, GEICO – Direct company quotes for Georgia drivers. By using several comparison tools, you increase your chances of finding the lowest price.
Factors That Affect Your Georgia Auto Insurance Rate
Insurance companies in Georgia consider multiple factors when setting your premium. For example:
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Driving Record – Tickets and accidents can raise your premiums.
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Credit Score – Georgia allows insurers to use credit history when calculating rates.
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Coverage Type – Full coverage costs more but offers greater protection.
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Location – Urban areas like Atlanta usually have higher rates than rural towns.
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Vehicle Type – Newer or high-performance cars typically cost more to insure.
Because of these factors, two drivers in the same city may receive very different quotes.
Tips for Getting the Best Quote in Georgia
To lower your costs, consider the following strategies:
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Bundle Policies – Combine auto and home insurance for a discount.
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Adjust Deductibles – Higher deductibles can reduce your monthly premium.
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Ask About Discounts – Safe driver, multi-vehicle, and safety feature discounts are common.
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Compare Annually – Rates change over time, so review your options every year.
By applying these tips, you can often save more than you expect.
Average Cost of Auto Insurance in Georgia
As of 2025, Georgia drivers pay an average of $1,940 per year for full coverage and $650 per year for minimum coverage. However, drivers who regularly compare auto insurance quotes online in Georgia can often find rates far below these averages.
Whether you’re in Atlanta, Savannah, Augusta, or a small Georgia town, the best way to save is to compare multiple auto insurance quotes online in Georgia. A few minutes of research could save you hundreds of dollars annually.