--- title: "10:43 ET\n\t\t\t\n\t\t\t\n\t\t\t\tCheapest Car Insurance in Georgia (Only $24 a Month!)" description: "Geico and State Farm offer the cheapest car insurance rates in Georgia, both at $24 per month, according to FreeAdvice.com. The report lists the top 10 providers, with AAA at $29 and Erie at $37. Geor" type: "news" locale: "en" url: "https://longbridge.com/en/news/242687277.md" published_at: "2025-05-31T14:43:46.000Z" --- # 10:43 ET Cheapest Car Insurance in Georgia (Only $24 a Month!) > Geico and State Farm offer the cheapest car insurance rates in Georgia, both at $24 per month, according to FreeAdvice.com. The report lists the top 10 providers, with AAA at $29 and Erie at $37. Georgia mandates minimum coverage, but experts recommend higher limits for better protection. Factors influencing premiums include driver age, vehicle type, and location, with urban drivers facing higher rates. Discounts are available for safe driving and other criteria, potentially reducing costs significantly. , /PRNewswire/ -- Geico and State Farm tie for the cheapest car insurance rates in Georgia, according to a recent report published by FreeAdvice.com. The list of the top 10 cheapest car insurance providers and monthly rates is as follows: 1. Geico – $24 2. AAA – $29 3. Erie – $37 4. State Farm – $43 5. Travelers – $44 6. Progressive – $46 7. American Family – $50 8. Farmers – $60 9. Allstate – $66 10. Liberty Mutual $106 In addition to offering lower prices, Geico is a top contender in Georgia due to its excellent financial rating and user-friendly mobile app. **Car Insurance Requirements in Georgia** Georgia residents are required to have a car insurance policy when driving on public roadways. The state has determined minimum requirements that all drivers must have. - Bodily Injury Liability – $25,000 per person and $50,000 for multiple people per accident - Property Damage Liability – $25,000 - Uninsured/Underinsured Coverage – $25,000 per person and $50,000 for multiple people per accident Melanie Musson, a nationally recognized car insurance expert with FreeAdvice.com, urges readers to remember, "Georgia's minimum auto insurance requirements are insufficient for real-life risks. Additional liability coverage is often surprisingly affordable, so drivers should consider carrying higher limits." **Finding Cheap Car Insurance in Georgia** FreeAdvice.com's list of cheapest insurers provides a glimpse of average rates. Individual drivers face specific risks that affect their premium payments. Discounts provide another avenue of savings. Usage-based policies can result in a discount of up to 30%, depending on the company and the driver's habits. Other discounts include military, good student, bundling, and safe driver. Increasing deductibles is another way to save on premiums. Drivers can pay lower monthly premiums by raising their deductibles. **Factors Impacting Premiums in Georgia** Many factors that affect car insurance rates in Georgia are the same as in any other state, including: driver age, vehicle make and model, and driving history. The driver's address also impacts premiums. Drivers in urban areas tend to pay higher rates than drivers in rural parts of Georgia because the risk of being in an accident and filing a claim is higher in bigger cities. Find out more by reading FreeAdvice.com's entire report here: Cheap Car Insurance in Georgia for 2025 (Save With These 10 Companies). SOURCE FreeAdvice.com ### Related Stocks - [ERIE.US - Erie Indemnity](https://longbridge.com/en/quote/ERIE.US.md) ## Related News & Research | Title | Description | URL | |-------|-------------|-----| | Dorothy Leemhuis Named Senior Vice President and Chief Actuary at Erie Insurance | Erie Insurance has appointed Dorothy Leemhuis as senior vice president and chief actuary, effective February 5, 2026. 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