| Age Range | Best Insurance Company | Average Annual Comprehensive Premium | Why Are They the Best? | FIXD Insurance Rating (Out of 5) |
| 18-24 | State Farm | $3000 | Maintains customer satisfaction and resolves claims fairly | 4.0 |
| 25-34 | USAA | $900 | Lowest rate and most satisfied customers | 4.2 |
| 35-44 | State Farm | $1800 | Lowest rate and happy customers | 4.0 |
| 45-54 | GEICO | $3750 | Best rate available from a company with adequately satisfied customers | 3.5 |
| 55-64 | State Farm | $1200 | Lowest rate and satisfied customers | 4.0 |
| 65 or older | Travelers | $900 | Lowest rate and happy customers | 3.9 |
Are your car insurance premiums increasing? Are you sick of lousy customer service? Do you need to add a teenager to your policy soon?
Don’t sweat it! We have found the companies with the best rates and happy customers in Georgia. You’ll have a much better idea of which companies to get quotes from.
Keep reading to discover which auto insurance companies we recommend for residents of Georgia. We’ll provide average prices for comprehensive coverage and how fair their claims resolutions are according to FIXD users in Georgia.
Don’t let insurance confuse you! We’ll provide convenient contact information for the companies we discuss, and we’ll throw in some professional advice from an independently licensed insurance agent.
Georgia’s Best Car Insurance Companies
The best car insurance companies in Georgia include USAA, State Farm, Travelers, GEICO, and Nationwide. According to FIXD users in the state, these companies have competitive rates for comprehensive auto coverage, have happy customers, and resolve claims fairly.
To save you time and energy when comparing auto insurance carriers, we recommend working with an independent agent who can help you compare quotes from multiple companies and research the best bundling options for your situation.
To find out which local and national insurance brands were the best in Georgia, we surveyed FIXD users in the state. We collected information about premiums, coverage, satisfaction with claims, and more. You can read more about our methodology at the bottom of this article.
Comprehensive auto insurance is usually synonymous with full coverage, which provides the most financial protection in the event of accidents, theft, or natural disasters. We recommend comprehensive coverage for most drivers, so we focused on those rates.
| Best Car Insurance Companies in Georgia | Why? | FIXD User Average Rating(Out of 5) |
| USAA | Highest customer satisfaction rating and some of the lowest average prices for premiums | 4.2 |
| State Farm | Competitive rates for many age groups and satisfied customers | 4.0 |
| Travelers | Competitive rates for Georgia seniors and satisfied customers | 3.9 |
| GEICO | Adequately satisfied customers and may have competitive rates | 3.5 |
| Nationwide | Happy customers and competitive rates for some age groups | 3.7 |
Georgia’s Best Overall Insurance Company: USAA (United Services Automobile Association)
USAA is the best insurance company overall for residents of Georgia. Using data from multiple age groups, it has the lowest average annual premiums for comprehensive coverage. It also has the highest customer rating from FIXD users in the state and resolves claims fairly according to customers.
If you’re not eligible for a policy from USAA, try one of the other top picks for Georgia like State Farm, Travelers, or GEICO.
| Company Info | USAA (United Services Automobile Association) |
| Founded | 1922 |
| Headquarters | San Antonio, TX |
| Phone Number | (800)-531-USAA (8722) or (201)-531-8722 |
| Website | https://www.usaa.com/ |
| Products | Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
| Population Served | Military, Veterans, and eligible family members |
Average Years as a Customer at USAA: 12.9 years is the average length of time that Georgia’s FIXD survey participants have been USAA customers. That’s the longest average length of time for any single insurance company.
How many customers hear back within 10 minutes? 83% of FIXD survey participants heard back within ten minutes of contacting USAA.
How quickly are Claims Resolved? 91% of claims are resolved within two weeks according to FIXD users who had filed a claim with USAA.
Customer Satisfaction with Claims: 95% of FIXD users who had filed a claim with USAA felt that the resolution from USAA was fair.
How to sign up with USAA: Visit USAA’s website or call 1-800-531-8722 to sign up with USAA.
Popular USAA Discounts in Georgia according to FIXD Survey:
- 57% qualify for a safe driving discount
- 51% have discount for multiple cars on the policy
- 46% qualify for a military discount
- 46% bundle their home and auto insurance
- 41% have a discount for an anti-theft device
- 8% bundle renters and auto insurance
- 3% have a good student discount
USAA Average Annual Rates
| *USAA Average Annual Rates for Comprehensive Coverage | ||
| Average Overall | Male | Female |
| $1882 | $1588 | $2880 |
Pro-tip
USAA may have competitive auto insurance rates, but be sure to compare quotes for homeowners insurance before assuming that bundling is the best deal for you. USAA tends to have higher-than-average-market rates for home insurance.
Georgia’s Best Car Insurance Companies by Age Groups
Car insurance companies use targeted marketing campaigns and pricing schemes to attract a particular demographic. Demographics may be age, risk category, or geographic region. Often, target demographics are an age range of drivers.
Because of this, auto insurance carriers can vary greatly in their rates and appeal to certain age groups. To help you identify if a particular insurance provider is best for your age, we analyzed the survey results from various age groups to make recommendations.
Here is a list of the best insurance companies in Georgia based on different ages:
The Best Car Insurance Company for 18 to 24-Year-Olds in Georgia: State Farm
State Farm is the best provider for 18 to 24-year-olds because the company offers somewhat competitive insurance rates for comprehensive coverage for young adults, maintains customer satisfaction in the state, and resolves claims fairly according to FIXD users.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 78% of FIXD users who had contacted State Farm heard back within ten minutes of contacting the insurance carrier.
How quickly are Claims Resolved? 78% of claims were resolved within two weeks of filing with State Farm, according to FIXD survey participants who had filed a claim with State Farm.
Customer Satisfaction with Claims: 87% of claims were resolved fairly through State Farm, according to FIXD users who had filed a claim with the auto insurance company.
How to sign up with State Farm: You can find an agent with State Farm with the lookup tool, use the State Farm website, or call 1-800-782-8332 to sign up.
Popular Discounts with State Farm according to FIXD users in Georgia:
- 81% qualify for a safe driver discount
- 61% have a discount for multiple cars on the policy
- 57% bundle their home and auto insurance
- 22% utilize a discount for an anti-theft device
- 9% bundle their renters and auto insurance
- 7% qualify for a good student discount
- 4% qualify for a military discount
Here is a list of the cheapest car insurance companies in Georgia for 18 to 24-year-olds:
|
Car Insurance Company |
Average Annual Premium for Comprehensive |
|
Allstate |
$2700 |
|
State Farm |
$3000 |
Pro Tip: Once you find an insurance company that you trust for auto and renters insurance, you can get additional coverage for expensive items like laptops or bikes for an affordable rate with a personal articles policy.
The Best Car Insurance Company for 25 to 34-Year-Olds in Georgia: USAA
USAA is the best insurance provider for 25 to 34-year-olds in Georgia. USAA has the lowest rate for young and advancing professionals. With USAA, you’ll also get outstanding customer service, and you can rest assured that claims will be resolved fairly according to FIXD survey participants.
If you’re not eligible for USAA, State Farm is another insurance company with satisfied customers according to the FIXD survey in Georgia.
|
Company Info |
USAA (United Services Automobile Association) |
|
Founded |
1922 |
|
Headquarters |
San Antonio, TX |
|
Phone Number |
(800)-531-USAA (8722) or (201)-531-8722 |
|
Website |
https://www.usaa.com/ |
|
Products |
Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
|
Population Served |
Military, Veterans, and eligible family members |
How many customers hear back within 10 minutes? 83% of FIXD survey participants heard back within ten minutes of contacting USAA.
How quickly are Claims Resolved? 91% of claims are resolved within two weeks according to FIXD users who had filed a claim with USAA.
Customer Satisfaction with Claims: 95% of FIXD users who had filed a claim with USAA felt that the resolution from USAA was fair.
How to sign up with USAA: Visit USAA’s website or call 1-800-531-8722 to sign up with USAA.
Popular USAA Discounts in Georgia according to FIXD Survey:
- 57% qualify for a safe driving discount
- 51% have discount for multiple cars on the policy
- 46% qualify for a military discount
- 46% bundle their home and auto insurance
- 41% have a discount for an anti-theft device
- 8% bundle renters and auto insurance
- 3% have a good student discount
Here is a list of the cheapest car insurance companies in Georgia for 25 to 34-year-olds according to the FIXD Survey:
|
Car Insurance Company |
Average Annual Premium |
|
USAA |
$900 |
|
Progressive |
$900 |
|
State Farm |
$1800 |
|
Allstate |
$3300 |
Pro Tip: For minor damage claims covered by your comprehensive auto coverage, consider paying out-of-pocket for damages that are below or near your deductible. Your rates won’t increase in the long term, and it won’t impact you terribly in the short term.
The Best Car Insurance Company for 35 to 44 -Year-Olds in Georgia: State Farm
The best car insurance provider for most 35 to 44-year-olds in Georgia is State Farm. According to FIXD users aged 35 to 44 in Georgia, State Farm had the lowest average rates for premiums in this age range and good customer service. The majority of claims are resolved fairly, according to the survey.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 78% of FIXD users who had contacted State Farm heard back within ten minutes of contacting the insurance carrier.
How quickly are Claims Resolved? 78% of claims were resolved within two weeks of filing with State Farm, according to FIXD survey participants who had filed a claim with State Farm.
Customer Satisfaction with Claims: 87% of claims were resolved fairly through State Farm, according to FIXD users who had filed a claim with the auto insurance company.
How to sign up with State Farm: You can find an agent with State Farm with the lookup tool, use the State Farm website, or call 1-800-782-8332 to sign up.
Popular Discounts with State Farm according to FIXD users in Georgia:
- 81% qualify for a safe driver discount
- 61% have a discount for multiple cars on the policy
- 57% bundle their home and auto insurance
- 22% utilize a discount for an anti-theft device
- 9% bundle their renters and auto insurance
- 7% qualify for a good student discount
- 4% qualify for a military discount
Here is a list of the cheapest car insurance companies in Georgia for 35 to 44-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
State Farm |
$1350 |
|
USAA |
$1900 |
|
Nationwide |
$2100 |
|
Progressive |
$2175 |
|
Auto-Owners |
$4200 |
The Best Car Insurance Company for 45 to 54 -Year-Olds in Georgia: GEICO
The best auto insurance company for adults aged 45 to 54 in Georgia is GEICO because it resolves claims more fairly than its nearest price competitors, according to FIXD users in Georgia. At a rating of 3.5 out of 5 on the survey, customers are adequately satisfied with GEICO.
Don’t be shy about collecting quotes from other top picks in Georgia like USAA or State Farm if you’d like an alternative with customer satisfaction ratings 4.0 and higher. You may also consider asking friends in the area if there are local insurers with good rates and great customer service.
|
Company Info |
GEICO (Government Employees Insurance Company) |
|
Founded |
1936 |
|
Headquarters |
Chevy Chase, MD |
|
Phone Number |
1-800-207-7847 |
|
Website |
|
|
Products |
Home, renters, auto, business, boat & recreational vehicles |
|
Population Served |
All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 100% of FIXD users who contacted GEICO heard back within ten minutes.
How quickly are Claims Resolved? 100% of claims were resolved within two weeks of filing with GEICO according to FIXD users who had filed a claim with GEICO.
Customer Satisfaction with Claims: 100% of claims were resolved fairly according to FIXD users who had filed a claim with GEICO.
How to sign up with GEICO: You can sign up with GEICO by getting a quote on their website, finding an agent, or calling customer service for assistance at 1-800-207-7847.
Popular GEICO Discounts in Georgia according to FIXD Survey:
- 62% qualify for a safe driver discount
- 46% utilize an anti-theft device discount
- 31% have a discount for multiple cars on the policy
- 15% bundle home and auto insurance
- 8% bundle renters and car insurance
- 8% qualify for a military discount
Here is a list of the cheapest car insurance companies in Georgia for 45 to 54-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
Progressive |
$3400 |
|
GEICO |
$3750 |
|
Allstate |
$3900 |
|
State Farm |
$4500 |
Pro Tip: Adding a teen to your policy soon? If your teen is a good student, ask an insurance agent about which companies have the most substantial good-student discounts for your area.
The Best Car Insurance Company for 55 to 64 -Year-Olds in Georgia: State Farm
The best auto insurance company for adults aged 55 to 64 in Georgia is State Farm. State Farm has the best average rates for Georgia residents approaching retirement age. FIXD users also report that State Farm resolves claims fairly and provides great customer service.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 78% of FIXD users who had contacted State Farm heard back within ten minutes of contacting the insurance carrier.
How quickly are Claims Resolved? 78% of claims were resolved within two weeks of filing with State Farm, according to FIXD survey participants who had filed a claim with State Farm.
Customer Satisfaction with Claims: 87% of claims were resolved fairly through State Farm, according to FIXD users who had filed a claim with the auto insurance company.
How to sign up with State Farm: You can find an agent with State Farm with the lookup tool, use the State Farm website, or call 1-800-782-8332 to sign up.
Popular Discounts with State Farm according to FIXD users in Georgia:
- 81% qualify for a safe driver discount
- 61% have a discount for multiple cars on the policy
- 57% bundle their home and auto insurance
- 22% utilize a discount for an anti-theft device
- 9% bundle their renters and auto insurance
- 7% qualify for a good student discount
- 4% qualify for a military discount
|
Car Insurance Company |
Average Annual Comprehensive Premium |
|
State Farm |
$1200 |
|
Auto-Owners |
$1500 |
|
Progressive |
$1500 |
|
Allstate |
$1650 |
|
USAA |
$1950 |
The Best Car Insurance Company for 65+-Year-Olds in Georgia: Travelers
Georgia’s best auto insurance company for seniors is Travelers. FIXD users report that the car insurance company offers the lowest average rates for adults 65+ and still provides good customer service and fair claims resolutions.
|
Company Info |
Travelers |
|
Founded |
1853 |
|
Headquarters |
New York, NY but largest office in Hartford, CT |
|
Phone Number |
866-667-9526 |
|
Website |
|
|
Products |
Insurance for Auto, Home, Condo, Renters, Landlords, and more |
|
Areas Served |
Georgia, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, District of Columbia, and Wisconsin |
How many customers hear back within 10 minutes? 50% of Georgia’s Travelers customers who participated in the FIXD survey heard back within ten minutes.
How quickly are Claims Resolved? 100% of claims filed with Travelers were resolved within two weeks of filing, according to FIXD survey participants who had filed a claim with the company.
Customer Satisfaction with Claims: 100% of claims resolutions felt fair according to Travelers policyholders who had filed a claim and participated in the FIXD survey.
How to sign up with Travelers: To sign up with Travelers, visit the Travelers website or call 1-888-269-7990.
Popular Discounts with Travelers in Georgia according to FIXD users:
- 50% qualify for a safe driver discount
- 33% bundle their home and auto insurance
- 17% have a discount for multiple cars on the policy
- 17% utilize a discount for an anti-theft device
Here is a list of the cheapest car insurance companies in Georgia for residents aged 65 and above:
|
Car Insurance Company |
Average Annual Premium |
|
Travelers |
$900 |
|
GEICO |
$1350 |
|
USAA |
$2018 |
|
Allstate |
$2250 |
|
Progressive |
$2325 |
Research Methodology
To make sure we confidently offered the best insurance suggestions, we used not only price, but fair claims resolutions and customer satisfaction to make recommendations for Georgia residents. We didn’t recommend insurance companies where FIXD users indicated that fewer than two-thirds of insurance claim resolutions felt fair.
Our survey of FIXD users collected the average miles driven, discounts, and multiple factors of customer satisfaction for us to analyze.
We only included insurance companies with enough respondents to reflect customer satisfaction and a variety of premiums to average. Some insurance companies were not represented for every age band.
Independent Customer Satisfaction Surveys
FIXD used the following information provided by the survey to assess customer satisfaction:
- Preferred method of contacting insurance company and whether or not they heard back within ten minutes or less
- How long respondent had been an auto insurance policyholder with current insurance company
- Insurance provider customer support rating, company rating, policy rating, and then averaged these for an overall rating. Each rating was out of 5 possible points.
- A variety of options for respondents to indicate what they liked and didn’t like about their auto insurance provider.
- Survey questions to collect information about claims data including how long until claim resolution and whether or not the customer felt the claim was resolved fairly.
Finding the Average Car Insurance Rates
In the survey, respondents indicated their gender, age range, average annual miles driven, and discounts in addition to their annual premiums. From there, we were able to find averages and indicate said averages in the article. We focused on comprehensive insurance coverage since that’s what we recommend.
Conclusion
Based on the average premium prices for full coverage, fair claims resolution, and customer satisfaction scores, Georgia residents should obtain quotes from USAA, State Farm, GEICO, Travelers, and Nationwide.
When you work with an independent agent to get insurance quotes, you only have to provide your information once to get quotes from multiple companies. The agent also works to make sure that you’re happy to earn your loyalty.
Besides finding the best car insurance company, you can save money by maintaining your car, reading error codes easily for your vehicle, and doing minor repairs on your own. Try FIXD today!
Want to know which used cars are the cheapest to insure in Georgia? FIXD has you covered with their guide to the Cheapest Used Cars to Insure in Georgia.
Frequently Asked Questions
Why is a credit score used to determine auto insurance rates in Georgia?
Auto insurance company underwriters in Georgia and across the United States have data that shows a correlation between lower credit scores and increased risk of needing to file a claim. To offset the risk, insurance companies charge higher premiums to policyholders with lower credit.
What car insurance company in Georgia provides the best service?
USAA has the best customer service for car insurance customers in Georgia. USAA resolves claims fairly, contacts customers quickly, and has high customer satisfaction according to FIXD users in Georgia.
What is the cheapest car insurance in Georgia?
On average, the cheapest car insurance companies in Georgia for full coverage are USAA, Travelers, Nationwide, and State Farm for comprehensive coverage according to FIXD users who participated in the Georgia survey.
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
