Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Georgia
| City | Premium | Percent Increase |
| Valdosta | $1,216 | 0.0% |
| Albany | $1,303 | 7.2% |
| Athens | $1,319 | 8.5% |
| Augusta | $1,434 | 17.9% |
| Gainesville | $1,510 | 24.1% |
| Canton | $1,510 | 24.2% |
| Columbus | $1,517 | 24.7% |
| Savannah | $1,549 | 27.4% |
| Newnan | $1,555 | 27.9% |
| Cumming | $1,594 | 31.1% |
| Woodstock | $1,621 | 33.3% |
| Acworth | $1,737 | 42.8% |
| Kennesaw | $1,741 | 43.2% |
| Covington | $1,746 | 43.6% |
| Roswell | $1,754 | 44.2% |
| Macon | $1,760 | 44.7% |
| Alpharetta | $1,769 | 45.5% |
| Douglasville | $1,769 | 45.5% |
| Mcdonough | $1,791 | 47.3% |
| Marietta | $1,801 | 48.2% |
| Buford | $1,819 | 49.6% |
| Lawrenceville | $1,848 | 52.0% |
| Conyers | $1,849 | 52.1% |
| Duluth | $1,882 | 54.7% |
| Norcross | $1,887 | 55.2% |
| Jonesboro | $1,950 | 60.4% |
| Atlanta | $2,037 | 67.6% |
| Stone Mountain | $2,318 | 90.6% |
| Lithonia | $2,354 | 93.6% |
| Decatur | $2,397 | 97.1% |
Factors That Affect Car Insurance Premiums in Georgia
Although ripen drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in Georgia
6 Tips for How to Get Cheap Car Insurance in Georgia
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Georgia, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance might have lower rates than national companies like State Farm, Geico, and Nationwide, plus comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Georgia
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose coverage that is right for you
You need
Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
5. Search for discounts
Top car insurance companies in Georgia have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
6. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Georgia. On average, drivers in the most
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability, as required by Georgia’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Georgia insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of bum car indemnity companies in Georgia is based on data from the Georgia DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 unlike driver profiles designed to identify the cheapest car indemnity companies for Georgia drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Georgia car indemnity companies by averaging premiums from 34 zip code codes that represent at least 20 % of Georgia ‘s population. Military-specific companies like USAA were alone considered for the military-specific category, ascribable to their eligibility restrictions. In some cases, they may inactive be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ mho analysis, in addition to the specific subset of characteristics that make up our dear Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above postpone : Where driver profiles are not specified, WalletHub averaged Georgia insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. individual rates will be different.
Don ’ deoxythymidine monophosphate forget to include local indemnity companies in your search for cheap car indemnity. In Georgia, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance might have lower rates than national companies like State Farm, Geico, and Nationwide, plus comparable customer atonement ratings.Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Georgia, companies can besides consider your age, sex, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You ’ ll see higher rates if you let your policy backsliding, even if you don ’ thymine own a car. Georgia drivers who don ’ metric ton maintain continuous coverage pay an average of 27 % more than those with five or more years of insurance history.You need liability insurance to pay for the other driver ’ second damages if you ’ re at demerit in an accident in Georgia. Collision and comprehensive coverage, on the other handwriting, are optional and may be unnecessary if you own an older car. Usage-based policy might be a better paroxysm than a standard policy for low-mileage drivers. Going with a higher deductible or lower coverage limits costs less, too.Don ’ metric ton skimp on the coverage you need, but do make informed choices. That room, you won ’ t end up paying for more car policy than you need.Top car policy companies in Georgia have a diverseness of discounts, so about anyone can find ways to save. You may be able to get a discount if you ’ re a student, veteran, good driver, homeowner, bequeath to go paperless, and more.Car policy prices can vary a lot based on nothing code in Georgia. On modal, drivers in the most expensive parts of Georgia spend about $ 1,300 more per class on full coverage car policy than those living in the least expensive areas.