The state of Georgia is considered a high-risk area for auto insurance, with uninsured motorists accounting for around 12% to 15% of all drivers there. Add to this heavy traffic, severe weather conditions, wildlife collisions, and higher-than-average rates of theft and vandalism, and your clients will have to contend with high insurance premiums.
All these factors make car insurance in Georgia more costly, so it's important for brokers to help drivers find the best-value carriers. In this guide, we'll list the biggest auto insurance companies in Georgia to help you find the best coverage for your clients.
Insurance risks are anything but peachy in the Peach State, so here's a list of auto insurance companies in Georgia. These carriers are listed in terms of their market shares in the state, ranked from highest to lowest.
Our own IB+ Data Hub makes rankings like these possible. You can access this feature, with all of its much more detailed inforamtion, with a premium subscription. Here's what our numbers show:
Market share: 23.37%
State Farm holds the distinction of being the largest auto insurance company in the US. Founded in 1922, State Farm is headquartered in Bloomington, Illinois.
State Farm operates as a mutual company, owned by its policyholders, and is known for its extensive network of over 19,000 exclusive agents nationwide. The company offers a full suite of insurance products, including auto, home, life, and business insurance, as well as banking and investment services.
This insurer maintains a strong presence in Georgia, with agents and offices in cities across the state, including Atlanta and its suburbs. The company actively supports local communities and offers 24/7 claims service and digital policy management through its mobile app.
The average State Farm auto insurance premium in Georgia is about $102 per month for liability-only coverage and $143 per month for full coverage car insurance. This is significantly below the Georgia statewide monthly average of $205 for all policies and below the national average of $139 per month. Nationally, State Farm's average annual premium for full coverage is $2,167, which is lower than the national average of $2,399.
Coverage options this carrier offers in the state include:
These are this carrier's distinct auto insurance plans and add-ons offered in Georgia:
This is State Farm's telematics-based discount program. It uses a mobile app or connected device to monitor policyholders' driving habits. Those who practice safe driving earn significant discounts on premiums.
This is a safe driving discount program meant for drivers under 25. In this program, participants complete a series of training modules, driving practice, and mentoring. Completing the program lets young drivers qualify for additional savings on their auto insurance.
Market share: 9.24%
Allstate ranks second among Georgia's largest auto insurance companies. It is known for offering a wide range of coverage options and strong customer service. Allstate provides auto, home, renters, and life insurance, with a sizable agent network and excellent digital tools for managing policies and claims. The company is recognized for its customer experience and features prominently in J.D. Power studies, with average to above-average marks in customer satisfaction.
Allstate agents in Georgia help drivers compare quotes, select minimum coverage or full coverage, and tailor policies to their needs. The company is active in the state, providing digital access to car insurance quotes and claims.
Allstate's average premium for full coverage in Georgia is $256 per month or $3,067 per year, which is higher than the state average of $228 per month or $2,739 per year and the national average. Minimum coverage in Georgia averages $65 per month, but Allstate's rates are typically higher than this benchmark.
These are Allstate's standard car insurance offerings in Georgia:
This carrier offers these products and add-ons, including:
This feature keeps the policyholder's premiums from increasing after their first at-fault accident.
This lets policyholders earn $100 off their collision deductible when they sign up, plus an additional $100 off each year they remain accident-free, up to $500 total.
This provides plan holders with a bonus check every six months they remain accident-free.
This is Allstate's telematics program. A mobile app or device tracks and rewards policyholders' safe driving with discounts and cash rebates.
Market share: 8.53%
USAA is a leading financial services and insurance provider serving military members, veterans, and their families. Founded in 1922, USAA offers a wide range of insurance products, including auto, property damage liability, home, and life insurance. Membership is exclusive to military personnel, veterans, and eligible family members.
This insurer serves auto owners across all ZIP codes in Georgia, offering digital tools for car insurance quotes, policy management, and claims. The company is known for its strong customer service and military-focused discounts. These include savings for garaging a vehicle on a military base or storing a car during deployment.
USAA's average annual premium for full coverage in Georgia is about $1,407 or roughly $117 per month. This is considerably lower than the state average and the national average for car insurance companies. For minimum coverage, USAA's average annual premium is $417 or about $35 per month. USAA's average annual premium for full coverage is $1,499, much lower than the national average.
These are the USAA's standard car insurance offerings in Georgia:
USAA offers these products and add-ons not offered by any other carrier:
If a plan holder's car is totaled, USAA pays the actual cash value plus an additional 20 percent to help replace the car.
Military members can save up to 15 percent on comprehensive coverage when they garage their car on a military base.
This is USAA's telematics program. It rewards safe driving with discounts of up to 30 percent.
USAA offers discounts for storing your vehicle while deployed or not using it for an extended period.
Market share: 8.52%
Progressive is known for its competitive rates, innovative digital tools, and wide range of coverage options. Founded in 1937, Progressive offers auto, home, renters, and other insurance products to millions of customers nationwide, including Georgia.
Progressive is active throughout Georgia, serving drivers in all ZIP codes. The company is recognized for its Name Your Price tool, easy online car insurance quotes, and proprietary telematics program.
Progressive's average monthly premium for full coverage in Georgia is about $128 to $165 or $1,980 to $2,128 per year, making it one of the cheapest car insurance options in the state. The Georgia state average for full coverage is $2,739 per year or $228 per month. For minimum coverage, Progressive's average is about $61 per month, which is below the state average of $65.
For car insurance cover, these are what Progressive offers in Georgia:
This carrier offers several distinct products and coverage features in Georgia, including:
This unique tool lets plan holders set their car insurance budget and shows coverage options that fit their price point.
This is Progressive's telematics program. Like most telematics insurance, this monitors drivers, then rewards them with personalized discounts if they practice safe driving habits.
For each claim-free policy period, $50 is subtracted from the policyholder's collision and comprehensive deductible, up to a maximum reduction of $500.
Included with collision coverage, this pays the veterinary bills if the plan holder's pet is injured in a covered car accident.
Market share: 4.61%
Berkshire Hathaway Group is a multinational conglomerate headquartered in Omaha, Nebraska, led by Warren Buffett. Its insurance operations are among the largest in the world, with GEICO (Government Employees Insurance Company) as its flagship auto insurance brand. GEICO is widely recognized for offering affordable car insurance and extensive digital tools for policy management and car insurance quotes.
GEICO is active in all Georgia ZIP codes, making it one of the largest auto insurance companies in the state. It provides 24/7 customer service, digital claims, and a robust mobile app. The company is known for its competitive rates and heavy investment in compelling, frequent advertising. GEICO's average monthly premium for full coverage in Georgia is about $101 to $187 or $1,212 to $2,248 per year, making it one of the cheapest car insurance options in the state.
The Georgia state average for full coverage is $2,739 per year or $228 per month, higher than the national average of around $2,308 per year. For minimum coverage, GEICO's average is about $40 per month, significantly lower than the state average of $65.
The following are car coverage options for private vehicles from GEICO in the Peach State:
These products and coverage options are distinct offerings from GEICO and are seldom offered by other carriers:
This covers repairs for all mechanical parts of a new car (less than 15 months old and under 15,000 miles), beyond the manufacturer's warranty.
GEICO's mobile app offers unique digital tools for policy management, digital ID cards, virtual assistant support, and on-demand roadside assistance.
This is a guaranteed renewal program for drivers 50 and older with a clean record. This is not widely offered by other car insurance companies.
Market share: 2.5%
Travelers Group is one of the oldest and largest property and casualty insurance companies in the US. It has headquarters in New York City and Hartford, Connecticut. The company is widely recognized for its broad portfolio of insurance products, financial stability, and extensive agent network. Travelers offers auto, home, renters, and business insurance nationwide, including in Georgia.
Travelers caters to all Georgia ZIP codes, offering digital tools for car insurance quotes, policy management, and claims. The company is known for flexible coverage options and a variety of discounts.
Its average annual premium for full coverage in Georgia is about $1,714 or roughly $143 per month. These rates are below the state average for full coverage of $2,739 per year or $228 per month. Travelers' rates are also below the national average. Check out our insurance ratings and review for Travelers if you want to know more about this insurer.
These are Travelers' standard car coverage products in the state:
This insurer offers distinct car coverage options and add-ons that set them apart in Georgia, including:
Travelers' telematics program is different from other carriers' programs. IntelliDrive monitors plan holders' driving habits via a mobile app for 90 days. Safe drivers then receive personalized discounts.
If your new car is totaled within the first five years, Travelers will pay to replace it with a brand-new car of the same make and model, not just the depreciated value.
This plan includes accident forgiveness and minor violation forgiveness, so policyholders' premiums won't increase after their first at-fault accident or minor traffic violation.
Market share: 2.48%
One of the largest auto insurance companies in Georgia, this advocacy organization is dedicated to serving the needs of the state's residents, especially those in rural and agricultural communities. Founded in 1937, Georgia Farm Bureau offers a variety of insurance products, including auto, home, farm, and life insurance. It does this via its network of local agents and county offices scattered across the state.
The company caters to all Georgia ZIP codes, offering personalized service and claims handling through local agents familiar with the needs of Georgia residents. Georgia Farm Bureau is known for its strong community presence and focus on customer service, especially for rural and agricultural policyholders.
This carrier's average annual premium for full coverage is typically lower than the state average. Recent estimates pin premiums at around $1,400 to $1,700 per year or $117 to $142 per month, depending on driver profile and ZIP code. The state average for full coverage is about $2,739 per year or $228 per month.
This carrier offers these standard products in its home state:
These products and add-ons make this carrier stand out:
Georgia Farm Bureau membership provides exclusive insurance discounts and benefits not available to non-members.
The insurer offers specialized coverage options for farm vehicles and equipment, tailored to the needs of Georgia's agricultural community.
Claims are handled by local agents and adjusters who understand Georgia-specific needs and rural conditions to provide a more personalized and responsive experience.
Market share: 2.01%
Chubb Ltd. Group is a global insurance leader headquartered in Zurich, Switzerland and is recognized as one of the world's largest publicly traded property and casualty insurers. In the US, Chubb is known for its high-net-worth personal insurance solutions, including auto, home, and umbrella coverage, with a reputation for strong customer service and claims handling.
Chubb is active in Georgia's major cities and affluent ZIP codes, providing tailored policies, risk consulting, and white-glove claims service through specialized agents. Chubb offers premium services to high-net-worth individuals, so it's no surprise that its average annual premium for full coverage is higher than state and national averages. This is simply a reflection of its focus on high-value vehicles and enhanced coverage.
Recent estimates place Chubb's average annual premium in Georgia at around $2,800 to $3,500, or $233 to $292 per month, depending on driver profile, ZIP code, and vehicle value.
These are the standard offerings Chubb has for premium clients in the state:
Chubb stands out from its competitors with these products and coverage add-ons:
If your client's car is totaled or stolen, Chubb pays the full agreed-upon insured value, with no depreciation.
Chubb guarantees repairs with original equipment manufacturer (OEM) parts, not aftermarket substitutes.
This feature extends auto insurance protections to rental cars anywhere in the world.
Chubb offers high liability coverage limits for greater financial protection.
This pays for the loss in market value of a plan holder's car after a covered repairable accident.
Chubb provides risk assessments and advice tailored to high-net-worth clients and luxury vehicles.
Market share: 1.84%
This is a major mutual insurance company headquartered in Madison, Wisconsin. American Family is famous for its broad range of personal and commercial insurance products. It serves millions of customers nationwide, and is recognized for its strong customer service, digital tools, and extensive local agent network. The company also offers a range of discounts, such as multi-policy, good driver, and good student discounts.
American Family is among the largest auto insurance companies in Georgia in terms of market share. Its average annual premium for full coverage is about $1,936 or roughly $161 per month, which is lower than the state average. This is also below the national average. For minimum coverage, American Family's average is about $604 per year ($50 per month) and is likewise below the state and national averages.
These are the standard offerings from this carrier in Georgia:
Distinct offerings and add-ons from AmFam include:
AmFam's proprietary telematics program tracks driving habits and rewards safe drivers with personalized discounts.
This is a free app for families with teen drivers. It monitors the teen's driving behavior and provides feedback to encourage safe habits.
This guarantees repairs with original equipment manufacturer (OEM) parts for covered vehicles.
Market share: 1.82%
Auto-Owners Insurance Group is a highly rated mutual insurance company headquartered in Lansing, Michigan. It's well-regarded for its financial stability and good service through independent agents. The company offers a wide range of personal and commercial insurance products, including auto, home, and life insurance. Auto-Owners is widely recognized for its high customer satisfaction and claims service.
The company is also known for its personalized service, flexible coverage options, and a variety of discounts, such as multi-policy, safe driver, and paid-in-full discounts. As for the average premiums, full coverage in Georgia is about $2,266 or roughly $189 per month. This is below the Georgia state average for full coverage and slightly below the national average. For minimum coverage, Auto-Owners' average is about $95 per month, which is above the state average of $65 per month.
These are the standard offerings of this carrier in the state:
Here are the car coverage options that set Auto Owners apart in GA:
This package endorsement bundles several valuable coverages. It can include increased rental car reimbursement, additional gap coverage, and extra protection for personal property inside the policyholder's vehicle.
This type of coverage offers guaranteed repairs with original equipment manufacturer (OEM) parts for covered vehicles.
With these diverse choices, what's the best way to pick the right auto insurance company and products for your clients? The reality is that it's not as easy as choosing among the cheapest auto insurance companies in Georgia, nor the one with the biggest market share.
There is no single "best" auto insurer for every driver. The right choice depends on their individual budget, the level of coverage they need, eligibility for discounts or programs, and preferences for customer service and claims experience. Insurance rates and satisfaction can vary widely based on your client's driving profile, location, and vehicle.
To choose the best auto insurer:
Ultimately, the best insurer is the one
