Georgia drivers face some of the highest risks when it comes to auto insurance. Uninsured motorists make up about 12% to 15% of drivers in the state, and factors like heavy traffic, bad weather, wildlife collisions, and frequent car thefts push premiums higher than the national average. Because of this, finding good car insurance at a fair price can be a real challenge.
To help, a recent report has highlighted the biggest car insurance companies in Georgia based on market share. These top 10 companies offer a mix of coverage options and price points, giving drivers a better chance to find the right insurance for their needs.
At the top of the list is State Farm Group, holding a commanding 23.37% of Georgia’s market. State Farm is not only the largest auto insurer in the U.S. but also offers relatively affordable rates in Georgia. Their average monthly premium for full coverage is $143, well below the state’s average of $205. State Farm has agents and offices throughout Georgia, including in Atlanta, and provides features like 24/7 claim services and a mobile app. They also offer unique programs such as Drive Safe & Save—a discount based on driving habits—and Steer Clear, which helps drivers under 25 qualify for savings through safe driving courses.
Allstate Insurance Group comes in second, with a 9.24% market share. Known for a broad range of insurance products and strong customer service, Allstate’s average full coverage premium in Georgia is $256 per month, higher than the state average. The company offers perks like accident forgiveness, deductible rewards, and their Drivewise program, which tracks safe driving through a mobile app and provides discounts.
Third on the list is the United Services Automobile Association (USAA), which serves military members, veterans, and their families exclusively. With an 8.53% share, USAA stands out for its military-focused discounts and some of the lowest premiums in the state, averaging just $117 per month for full coverage. Their unique offerings include car replacement assistance and discounts for garaging cars on military bases or during deployment periods. They also run SafePilot, a telematics program rewarding safe drivers.
Progressive Group has an 8.52% market share in Georgia. The insurer is popular for its competitive rates, online tools, and the "Name Your Price" feature, which helps drivers tailor coverage to their budgets. Full coverage premiums range from $128 to $165 per month, making it one of the more affordable options in the state. Progressive also offers a Snapshot telematics program and deductible savings for claim-free drivers.
Following these are Berkshire Hathaway Group, mainly through the GEICO brand, holding 4.61%. GEICO is known for low rates and strong digital tools. Their full coverage premiums range between $101 and $187 per month in Georgia. GEICO offers mechanical breakdown insurance and a Prime Time Contract for older, clean-driving clients.
Travelers Group, with 2.5% market share, offers flexible coverage and discounts. Their average premium is about $143 per month for full coverage. They provide features like accident forgiveness and a telematics program called IntelliDrive, along with a special new car replacement policy.
Georgia Farm Bureau Group focuses on serving the state’s rural and agricultural communities, holding 2.48% of the market. Their premiums tend to be lower than the state average, and they offer exclusive member discounts and specialized coverage for farm vehicles.
Chubb Ltd. Group, with a 2.01% share, targets high-net-worth individuals in Georgia. Known for premium service and coverage, their full coverage premiums can range from $233 to $292 per month. Chubb offers features like agreed value coverage, OEM parts guarantees, and worldwide rental car coverage.
American Family Insurance Group holds 1.84% of the market. Their average full coverage premium is $161 per month, lower than Georgia’s average. Unique offerings include the KnowYourDrive telematics program and a teen safe driver app.
Last on the list is Auto-Owners Group, with 1.82%. This mutual insurer offers personalized service and a range of flexible coverage options. Their full coverage premiums average $189 per month, with special packages like True Blue auto coverage that bundle valuable benefits.
While these companies lead in size and market share, the report emphasizes there’s no one-size-fits-all when it comes to car insurance. Finding the best fit means comparing quotes, matching coverage to needs, checking customer service reputations, and looking into discounts or digital tools. For Georgia drivers, balancing these factors can help manage costs in a state known for challenging insurance risks.