Georgia drivers have many options for car insurance, but with so many choices, it can be hard to know which one is the best for you. To help you make an informed decision, we’ve researched Georgia’s top 6 car insurance companies and analyzed their policies, coverage options, and customer service ratings.
Shopping around is one of the top techniques to ensure you’re receiving the finest affordable auto insurance in Georgia. This guide will help you compare the pros and cons of each company and choose the one that best meets your needs.
Best Car Insurance in Georgia for 2024
- USAA
- PROGRESSIVE
- NATIONWIDE INSURANCE
- ALLSTATE
- GEICO
- STATE FARM
USAA
USAA stands out by offering exceptional service and competitive rates to military members and their families, making it a top choice for eligible customers in Georgia despite its limited availability.
Offers low rates, excellent customer service, competitive pricing, tailored plans, reliability, and affordability. Operates in all 50 states. However, membership restrictions limit availability.
Progressive
Progressive is a popular choice among Georgia residents for car insurance due to its widespread availability, competitive pricing, and various discount opportunities. However, its claim processing has received mixed reviews.
Known for its numerous discounts and usage-based insurance options, competitive rates, extensive coverage, and innovative options for potential savings, However, premiums may increase after an accident; some customers have reported issues with claim processing.
Nationwide Insurance
Nationwide Insurance is known for its diverse coverage options and competitive pricing. While it may not be the best option for low-mileage drivers, the company maintains a low complaint level and is a strong contender in the car insurance market.
Offers a variety of coverage options and usage-based programs, competitive pricing, a low level of complaints, and numerous coverage options. However, it is not ideal for infrequent drivers; some customers have reported slow response times for claims, and it is available in 46 states.
Allstate
Allstate’s extensive availability and innovative features set it apart as a car insurance provider. While some customers have had positive experiences, others have reported mixed satisfaction with the claims process.
It offers unique features like a safe driving bonus and accident forgiveness, competitive rates, and an exclusive feature. It is available in all states.
Pros: availability, competitive rates, and exclusive features. However, premiums may be higher than some competitors; there are mixed customer reviews on claims satisfaction.
GEICO
GEICO stands out for its budget-friendly premiums, user-friendly technology, and financial stability. Although the company has received mixed reviews on claims handling, it remains a strong choice for customers seeking affordable car insurance.
It offers affordable rates, an easy-to-use mobile app, financial stability, low premiums, various discounts, and user-friendly technology. However, there is limited availability of certain coverage options; some customers have experienced issues with claim handling.
State farm
This company caters to Georgia’s pickup truck owners by providing tailored coverage, competitive pricing, and maintaining an established reputation for reliability.
State Farm is the most user-friendly vehicle insurance business in Georgia. This specialization, along with a focus on customer service, makes them a strong contender among the state’s top car insurance providers.
Frequently Asked Questions
How much is auto insurance in Georgia?
According to our most current review of Quadrant Information Services data, the average vehicle insurance rate in Georgia is $680 per year, or $57 per month for basic coverage, and $1,973 per year, or $164 per month for full coverage.
What form of car insurance is necessary in Georgia?
Liability Insurance
Georgia requires all drivers to carry liability insurance.
Is Georgia car insurance high?
Georgia’s annual average cost of full coverage vehicle insurance is $2,562, with $861 for minimum coverage, which is slightly more than the national average of $2,329 for full coverage and $633 for minimal coverage.
How much does auto insurance cost in Georgia?
Auto insurance prices in Georgia are determined by various criteria, including the driver’s history, location within the state, and vehicle make and model. However, rates tend to be similar to the national average of $3,017 per year.
How long does it take to get auto insurance in Georgia?
Seven to thirty days. Typically, the Georgia new-car insurance grace period ranges from 7 to 30 days. The new-car grace period refers to how long insured drivers can drive a newly purchased vehicle before adding it to an existing automobile insurance policy.
Does Georgia need evidence of insurance?
Valid insurance coverage is required to register and get a Georgia license plate. Renew, transfer, or replace your Georgia license plate. Legally drive or keep an active registered car.