Cheap Car Insurance in Georgia
Your real car insurance rate from licensed Georgia carriers. No spam calls.
Free · No obligation · Georgia licensed advisors
We compare 50+ carriers so you don't have to.
See prices and coverage side by side, in one place.
Georgia Car Insurance Minimums
Georgia requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
At-fault (tort) state.
Source: state insurance department, verified 2026-09-01.
What drives car insurance rates in Georgia
Average spend per insured vehicle, 2023
$1,555
Georgia drivers spent $1,555 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
79.5¢
Auto insurers in Georgia paid 79.5 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.15
Georgia recorded 1,403 traffic deaths in 2024, 1.15 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
163.4
Georgia reported 18,472 motor vehicle thefts in 2025, 163.4 per 100,000 residents, from 224.7 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#12
FEMA ranks Georgia #12 of 51 for expected annual loss from natural hazards; flood accounts for 48% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Georgia
The ten insurer groups that wrote the most auto premium in Georgia in 2025, with their share of the state total of $15.3 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 24.05% | $3.7 billion |
| 2 | Progressive Group | 22.86% | $3.5 billion |
| 3 | Allstate Insurance Group | 12.02% | $1.8 billion |
| 4 | Berkshire Hathaway Group | 8.54% | $1.3 billion |
| 5 | United Services Automobile Association Group | 8.37% | $1.3 billion |
| 6 | Auto Owners Group | 3.34% | $511 million |
| 7 | Travelers Group | 2.6% | $399 million |
| 8 | Georgia Farm Bureau Group | 1.99% | $305 million |
| 9 | Farmers Insurance Group | 1.69% | $259 million |
| 10 | Liberty Mutual Group | 1.39% | $214 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
How it works
See why Truvo finds rates other agents can't.
WE COMPARE 50+ CARRIERS TO FIND YOUR BEST RATE
AUTOMATE THE RATE-SHOPPING PROCESS IN MINUTES
WE MATCH YOU WITH THE CHEAPEST POLICY FROM TOP CARRIERS
FAQs
What Our Customers Say
Don’t just take our word for it. See what real customers are saying about their Truvo experience.
View all our Google reviews“Truvo was GREAT!!! They helped me to the max, I saved 200 dollars on car insurance! Do you guys know what I can do with 200 DOLLARS?!??! Work with them😅😅👊 …”
Jmarion S.
“Very courteous and friendly to me with my auto insurance policy. VERY PLEASED.”
Wayland M.
“Truvo did an awesome job finding an insurance policy that saved money and met all my requirements!! Give them a call for great customer service!!”
Emily T.
“Very helpful and patient”
Diana C.
Ready to see your real rate?
free · real quotes in 2 minutes · no spam calls
Compare My Rates