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What to Know
No single car insurance company fits every Georgia driver. A household adding a teen needs something different from a military family or from someone who wants to handle everything from a phone.
Georgia is not a no-fault state, which means the driver who causes a crash is responsible for the damage. That puts the weight on your liability coverage, which pays for harm you cause to other people.
Our Best Car Insurance Companies in Georgia
- Best Online Experience: Progressive
- Best for Young Drivers: State Farm
- Best for the Military Community: USAA
- Best for Classic Cars: Allstate
- Best for Discounts: Geico
Progressive
Best Online Experience- Discounts
- 13
- Online Quotes
- Online Policy Purchase
Why We Like Progressive in Georgia
Progressive is our pick in Georgia for the online experience. You can get a quote, buy a policy, and file a claim online. Multiple discounts reward digital policy management.
Pros and Cons
Pros
- Easy online policy management
- Offers gap insurance
Cons
- Fewer overall discounts than some carriers
Company Review
Progressive covers the basics: liability, collision, and comprehensive. It also sells gap insurance, which can pay the difference between what you owe on a loan and what the car is worth if it's totaled. Optional coverages include uninsured/underinsured motorist, medical payments, rental reimbursement, roadside assistance, rideshare coverage, and custom parts and equipment coverage. Discounts include multi-policy, continuous coverage, teen driver, good student, distant student, and Snapshot, a safe-driver program that tracks your driving habits.
Progressive works well if you're comfortable managing your policy yourself. Compare its quote against at least one company that leans more on local agents.
State Farm
Best for Young Drivers- Discounts
- 19
- Online Quotes
- Online Policy Purchase
Why We Like State Farm in Georgia
State Farm is our pick for young drivers in Georgia. Its discount list targets the costs that come with a new driver, including Steer Clear, driver training, good student, and student away at school.
Pros and Cons
Pros
- Offers several ways to save on premiums for young drivers
- Buy a policy online
Cons
- No gap insurance
Company Review
State Farm offers liability, collision, and comprehensive coverage. Add-ons include uninsured and underinsured motorist, medical payments, rideshare driver coverage, emergency road service, rental reimbursement, and travel expenses coverage. You can get a quote, buy a policy, and file claims online. It has 19 discounts, including accident-free, defensive driving course, Drive Safe & Save, low mileage, loyalty, and multi-car.
State Farm doesn't offer gap insurance. If you're financing a new car, check whether your lender or dealer can provide that coverage separately.
USAA
Best for the Military Community- Discounts
- 13
- Online Quotes
- Online Policy Purchase
Why We Like USAA in Georgia
USAA is our pick for Georgia's military community. Discounts such as military on-base, car storage, and MyUSAA legacy reflect how service members and their families actually live, including during long deployments when a car sits parked.
Pros and Cons
Pros
- Military-specific policies and discounts
- Offers gap insurance
Cons
- Membership required
Company Review
USAA sells liability, collision, comprehensive, and gap insurance. Optional coverages include uninsured/underinsured motorist, medical payments, rental reimbursement, rideshare insurance, and roadside assistance with towing and labor. Its 13 discounts include SafePilot, a usage-based program, along with multi-vehicle, bundle and save, defensive driver training, and new vehicle.
The catch is eligibility. You need a USAA membership to get a quote or buy a policy online. Most of the company's insurance products, except life insurance, are exclusive to active duty military members, veterans, and their immediate families.
Allstate
Best for Classic Cars- Discounts
- 12
- Online Quotes
- Online Policy Purchase
Why We Like Allstate in Georgia
Allstate is our pick for classic cars in Georgia. It offers classic and collector car insurance, so you don't need a separate specialty insurer for an older vehicle you keep in the garage.
Pros and Cons
Pros
- Offers policies specifically for classic and collector cars
- Offers gap insurance
Cons
- Not as many discounts as some competitors
Company Review
Allstate covers liability, collision, and comprehensive, and it offers gap insurance and new car replacement. Other options include medical payments, uninsured/underinsured motorist, rental reimbursement, towing and labor, and ride-sharing coverage. Its 12 discounts lean toward payment habits: EZ pay, paperless, early signing, FullPay, and responsible payer. It also offers new car, anti-lock brake, safe driving, and multi-car discounts. Online quotes, policy purchases, and claim filing are all available.
Geico
Best for Discounts- Discounts
- 23
- Online Quotes
- Online Policy Purchase
Why We Like Geico in Georgia
Geico is our pick for car insurance discounts in Georgia. It offers 23 discounts, including clean driving record, good student, federal employee, military, and deployed driver.
Pros and Cons
Pros
- Nearly two dozen discounts on offer
- Online policy purchases and claim management
Cons
- No gap insurance
Company Review
Geico offers liability, collision, and comprehensive coverage. Add-ons include medical payments, uninsured/underinsured motorist, emergency road service, rental reimbursement, custom parts and equipment, and mechanical breakdown insurance, which can help with certain repairs not caused by a crash. DriveEasy is its usage-based program. Other discounts include early shopper, internet quote, multi-policy, and paid-in-full. You can obtain a quote, purchase a policy, and file claims online.
Geico doesn't offer gap insurance. If you owe more on your car than it's worth, you'd need to find that coverage elsewhere.
Georgia Car Insurance Requirements
Georgia requires liability coverage on every registered vehicle, and uninsured motorist coverage is included by default. Here is what the state sets:
Georgia minimum coverage
- Bodily injury liability
- $25,000 per person/$50,000 per accident
- Property damage liability
- $25,000 per accident
- Uninsured motorist
- Included in your policy unless you reject it in writing
A minimum policy pays for damage you cause to others. It does nothing to repair or replace your own car. Collision and comprehensive cover your vehicle, and lenders usually require both on a financed car.
If a serious crash costs more than your liability limits, you could be personally responsible for the difference. That's why many drivers choose higher limits than the state requires.
How to Save on Car Insurance in Georgia
Compare quotes every year
Each insurer prices drivers differently, and your renewal price isn't the only price available to you. Get a few quotes before each renewal, using the same coverage limits for a fair comparison.
Raise your deductible
A higher deductible usually lowers your premium. Pick an amount you could actually pay the week after a covered event.
Bundle your policies
Progressive, State Farm, USAA, Allstate, and Geico all list a multi-policy or bundling discount. Quote your home or renters policy with the same company and see whether the combined price beats buying them separately.
Ask about driving-based programs
Snapshot at Progressive, Drive Safe & Save at State Farm, SafePilot at USAA, and DriveEasy at Geico all reward how you actually drive. They tend to pay off for people with steady, low-risk driving habits.
Claim the student and payment discounts
Good student discounts appear at all five companies. Paying in full, enrolling in autopay, or going paperless can also trim the bill at several of them.
Frequently Asked Questions
What is the minimum car insurance required in Georgia?
Georgia requires bodily injury liability of $25,000 per person and $50,000 per accident, plus property damage liability of $25,000 per accident. Your policy includes uninsured motorist coverage unless you reject it in writing.
Is Georgia a no-fault state?
No. Georgia is an at-fault state, so the driver who causes a crash is responsible for the resulting damage and injuries. That driver's liability insurance is what typically pays the other party.
Do I have to carry uninsured motorist coverage in Georgia?
Uninsured motorist coverage is included in your Georgia policy by default, and you can remove it only by rejecting it in writing. Before you sign anything at purchase, check whether one of the forms is that rejection.
Should I buy more than the minimum coverage in Georgia?
The minimum covers only damage you cause to others, and only up to fixed limits. If your car is financed, or you couldn't easily replace it, collision and comprehensive coverage protect your own vehicle.
Which car insurance company is best for young drivers in Georgia?
State Farm is our pick for young drivers in Georgia. Its discounts include Steer Clear, driver training, and good student. Compare it against at least one other insurer before adding a teen, because pricing for new drivers varies widely between companies.
