What’s the Cheapest Car Insurance in GA? Top 10 Revealed

Hands and a car as a representation of car insurance

Georgia is a beautiful state. Georgia is a bountiful state: no wonder it is called The Peach State. One thing that is not very peachy is the bountiful rates you are paying for auto insurance. If you are asking yourself, “what's the cheapest car insurance in GA/” read on; we have reviewed and revealed the 2019 top 10 options for cheapest car insurance in GA.

Why So High?

Although there are sources on the Internet that say some aspects of car ownership in Georgia has become cheaper, we don't know what those aspects are. While national auto insurance prices jumped 22% since 2011, Georgia rates increased by 54%. Unfortunately, our paychecks—income growth—have not kept up with price inflation, so nearly 4,000,000 of us are paying through the nose just to have an automobile.

The Importance of Financial Strength

We Already Paid

Who Says?

The Premium Pot

What Will Happen If I Don't Have Car Insurance?

If you are considering getting behind the wheel of a motor vehicle without car insurance, then we are glad you are here searching for the cheapest car insurance in GA. If you are convicted of driving without insurance, the penalty includes a fine between $200 and $1000 and up to 12 months in jail. You won't be able to sneak your way out of payments either; insurance companies report lapses and failure to pay premiums to the state of Georgia. This will lead to a suspension of your driver's license. Driving with a suspended license in Georgia will get you more fines, more jail time and a longer suspension of your driver's license.

Don't Cut Yourself

Mind the Gap

How We Reviewed

Car Accident

Image by Valter Cirillo from Pixabay

The following policy providers were reviewed based on these parameters: Average Annual Premium, Claim Satisfaction; Market Share percentage and cumulative percentage rate increase between 2017-2018; Good Credit Rating, Poor Credit Rating; Driving Record— Clean Record, One Speeding Ticket, One Traffic Accident, One DUI And Get a Quote.

We, like you, are looking for the cheapest car insurance in GA. We live in GA, and we also feel the lightness of our wallets after every premium payment and we feel the heaviness of the boot on our throat because we are reasonably certain that auto insurance premiums are going to stay at rates greater than 2% of our annual income. Since it is most likely that our insurance rates are going to never go down, our search for the cheapest car insurance in GA entailed Internet searches using impartial parameters such as financial strength—the ability to pay financial obligations—and customer claim satisfaction. We also included an insurance industry ranking and rating score (base = 100). After searching through impartial data, we checked out each individual company's website and gave a few agents a call.

Overall Price Range

Determining the cheapest car insurance in GA is a difficult endeavor; not only are there so many variables, but each policy is individualized according to each person's needs. As well, although it is a good marketing practice to require personal information online from those who are looking for quotes, it would perhaps be a better marketing technique if each company website offered averages upfront to pique the interest and curiosity, driving the potential customer to contact an agent. Nevertheless, wewere able to make a decent review.

What We Reviewed

  • USAA
  • Progressive
  • Nationwide
  • Geico
  • State Farm
  • Allstate
  • The Hartford
  • Liberty Mutual
  • Georgia Farm Bureau
  • Encompass
USAA

Image Source: communities.usaa.com

USAA got its start in 1922 and is limited to members of the military. They claim that their members save an average of $707 when they switch from other companies. They also offer a 10% discount when you bundle auto with property insurance.

  • Average Annual Premium $
  • Claims Satisfaction 5
  • Financial Strength Superior
  • Insure rank/rating 2 / 92.08
  • Market share % / Cumulative Increase % 8/$$$$
  • Good Credit $
  • Poor Credit $$

Driving Record

The driving record rates a clean record, one speeding ticket, one traffic accident and one DUI (Driving under the influence of an intoxicating substance):

  • Clean Record $
  • 1 Speeding Ticket $$
  • 1 Driving Accident $$
  • 1 DUI $$$
progressive logo in a car

The Progressive Corporation was created in the 60s from a company that began in 1937. They offer drive-in claims service and allow premiums to be paid in installments.

  • Average Annual Premium $
  • Claims Satisfaction 3
  • Financial Strength Superior
  • Insurance rank/rating 9 / 85.66
  • Market share % / Cumulative Increase % 15/ $$
  • Good Credit $$
  • Poor Credit $$$

Driving Record

The driving record rates a clean record, one speeding ticket, one traffic accident and one DUI (Driving under the influence of an intoxicating substance):

  • Clean Record $$
  • 1 Speeding Ticket $$
  • 1 Driving Accident $$$
  • 1 DUI $$
nationwide

Image Source: creativeedgemag.com

Nationwide auto insurance has been in business for 85 years and boasts more than $188 billion in statutory assets. This is a Fortune 100 company.

  • Average Annual Premium $
  • Claims Satisfaction 4
  • Financial Strength Superior
  • Insurance rank / rating 12/ 83.8
  • Market share % / Cumulative Increase % 3/ $$$$
  • Good Credit $$$
  • Poor Credit $$$$

Driving Record

The driving record rates a clean record, one speeding ticket, one traffic accident and one DUI (Driving under the influence of an intoxicating substance):

  • Clean Record $$$
  • 1 Speeding Ticket $$$
  • 1 Driving Accident $$$
  • 1 DUI $$$$$
Geico car and mascot

Image Source: www.flickr.com

Geico has a very effective marketing program with a talking Gecko. This company has been providing car insurance for over 75 years and has a 97% customer satisfaction rating.

  • Average Annual Premium $
  • Claims Satisfaction 3
  • Financial Strength Superior
  • Insurance rank / rating 11 / 84
  • Market share % / Cumulative Increase % 10/ $$
  • Good Credit $$
  • Poor Credit $$$

Driving Record

The driving record rates a clean record, one speeding ticket, one traffic accident and one DUI (Driving under the influence of an intoxicating substance):

  • Clean Record $
  • 1 Speeding Ticket $$
  • 1 Driving Accident $$
  • 1 DUI $$$
state farm

Image Source: cover.com

This company is a behemoth collection of insurance and financial companies. State Farm is the largest insurance provider in the USA. It was formed in 1922.

  • Average Annual Premium $$
  • Claims Satisfaction 3
  • Financial Strength Superior
  • Insurance rank / rating 16 / 82.34
  • Market share % / Cumulative Increase % 23/ $$$
  • Good Credit $
  • Poor Credit $$$

Driving Record

The driving record rates a clean record, one speeding ticket, one traffic accident and one DUI (Driving under the influence of an intoxicating substance):

  • Clean Record $$
  • 1 Speeding Ticket $$
  • 1 Driving Accident $$
  • 1 DUI $$
Allstate

Image Source: www.franchisepanda.com

Allstate was founded in 1931 and has a significant agent support program. Allstate also works closely with non-Allstate customers to file a claim against Allstate customers.

  • Average Annual Premium $$
  • Claims Satisfaction 3
  • Financial Strength Superior
  • Insurance rank / rating 3 / 90.18
  • Market share % / Cumulative Increase % 10/$$
  • Good Credit $$
  • Poor Credit $$$

Driving Record

The driving record rates a clean record, one speeding ticket, one traffic accident and one DUI (Driving under the influence of an intoxicating substance):

  • Clean Record $$
  • 1 Speeding Ticket $$$
  • 1 Driving Accident $$$
  • 1 DUI $$
The Hartford

The Hartford was founded in 1810 in Connecticut. It is a Fortune 500 company and is ranked in the 156th position as of 2018. The Hartford is the 12th largest property and casualty company in the US. They are the insurance writer for AARP members.

  • Average Annual Premium $
  • Claims Satisfaction 4
  • Financial Strength BBB
  • Insurance rank / rating 12 / NR
  • Market share % / Cumulative Increase % 23/ $$$
  • Good Credit $
  • Poor Credit $$$$

Driving Record

The driving record rates a clean record, one speeding ticket, one traffic accident and one DUI (Driving under the influence of an intoxicating substance):

  • Clean Record NR
  • 1 Speeding Ticket NR
  • 1 Driving Accident NR
  • 1 DUI NR
Liberty Mutual Building

Liberty Mutual was founded in 1912. It is the 4th largest property and casualty insurer and is ranked 68 on the Fortune 100 list as of 2017. Liberty Mutual employs over 50,000 people.

  • Average Annual Premium $
  • Claims Satisfaction 3
  • Financial Strength A
  • Insurance rank / rating 20/ NR
  • Market share % / Cumulative Increase % 4/ $$$
  • Good Credit $
  • Poor Credit $$$$

Driving Record

The driving record rates a clean record, one speeding ticket, one traffic accident and one DUI (Driving under the influence of an intoxicating substance):

  • Clean Record NR
  • 1 Speeding Ticket NR
  • 1 Driving Accident NR
  • 1 DUI NR
Georgia Farm Bureau

Image source: ​www.gfb.org

Georgia Farm Bureau was formed in 1937 by 50 farmers. It is an agricultural organization with approximately 300,000 member families. Membership is mainly composed of farm families in rural communities and others with an agricultural interest in Georgia.

  • Average Annual Premium $
  • Claims Satisfaction 4
  • Financial Strength Good
  • Insurance rank / rating 17 / 82.22
  • Market share % / Cumulative Increase % 3/ $$
  • Good Credit $
  • Poor Credit $

Driving Record

The driving record rates a clean record, one speeding ticket, one traffic accident and one DUI (Driving under the influence of an intoxicating substance):

  • Clean Record $
  • 1 Speeding Ticket $
  • 1 Driving Accident $$
  • 1 DUI $$
encompass

Image Source: www.valuepenguin.com

Encompass was started in 1897. They have a network of almost 2500 agents.

  • Average Annual Premium $
  • Claims Satisfaction 
  • Financial Strength Superior
  • Insurance rank / rating NR
  • Market share % / Cumulative Increase % NR
  • Good Credit $
  • Poor Credit $$

Driving Record

The driving record rates a clean record, one speeding ticket, one traffic accident and one DUI (Driving under the influence of an intoxicating substance):

  • Clean Record $
  • 1 Speeding Ticket &
  • 1 Driving Accident $
  • 1 DUI $

The Verdict

First off, we excluded USAA which is for military personnel and the Georgia Farm Bureau because it is for those with agricultural interests. Encompass, the Hartford and Liberty Mutual did not offer a wealth of information for us to analyze, but we included as much as we could find. The cheapest car insurance in Michigan is offered by the talking gecko at Geico. Geico stays pretty evenhanded throughout our assessment. The cheapest car insurance in GA will stay cheapest because when changes do happen, the resulting percentage increase in premiums is not so severe.

Forgive and Forget

Show Yourself!

No Fault of Your Own

The Cheapest Car Insurance in GA

We have found and reviewed aspects of the 10 cheapest car insurance in GA and we feel that Geico is the winner, but the fact is that you may find one of the other candidates may serve to meet your needs better than Geico. As we mentioned before, some information is hard to come by, so there may very well be a better insurance provider out there to meet your needs. Our best advice to you is to pick a few of the ones we reviewed and dive deeper into the information you can glean on your own. When you have time to fill out the mandatory information screens and call an agent, you will discover that all of your efforts will be rewardedin terms of finding the best insurance for you that is still the cheapest car insurance in GA.

Featured Image: Image by Tumisu from Pixabay

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