| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| State Farm | −3.0% | 2.1M | 11/28/25 | SFMA-134677514 → |
| Travelers | −10.1% | 109K | 5/8/26 | TRVD-G134911970 → |
| GEICO | +4.6% | 177K | 8/21/25 | GECC-134514872 → |
| USAA | +9.9% | 335K | 9/21/26 | USAA-134985185 → |
These are approved Georgia Office of Insurance filings, pulled from the public SERFF system — not estimates. Every figure above links to its filing by tracking number. Unlike most states in 2026, Georgia did not move in one direction: its biggest books cut, while two major carriers raised.
The cutters: State Farm and Travelers
State Farm, Georgia’s largest auto insurer, cut −3.0% on more than 2 million policyholders. Travelers cut the hardest at −10.1% — and even that was less than its −24% indication, meaning its own math supported an even deeper cut. When the largest book and the biggest cutter are both moving down, the market’s floor is dropping.
The raisers: USAA and GEICO
Two major carriers went the other way. USAA raised +9.9% — one of the steepest large-carrier increases in the state — and GEICO raised +4.6% (against a +7.7% indication, so more may follow). If you’re with USAA or GEICO in Georgia, you raised while the market’s biggest books cut — the widest possible gap between your renewal and the best available price.
Why the split matters: in a market where some carriers cut and others raise, your savings from shopping are larger than usual — you’re not comparing against a market that all moved together. A Georgia driver whose carrier raised can often find a competitor that just cut.
Your change isn’t the statewide average
Every figure above is a book-wide average; carriers reprice individually on your ZIP, vehicle, age and history, so your actual change may be higher or lower. The only way to know whether you’re on a competitive Georgia price is to compare carriers for your specific profile.
The one stat that matters: Georgia split in 2026 — State Farm and Travelers cut while USAA and GEICO raised. If your carrier raised, a competitor likely cut. Compare every carrier for your exact ZIP →
What to do with your renewal
Approved changes apply at renewal, not mid-term, and usually reach new customers first. Your renewal shows your carrier’s price; it doesn’t tell you what State Farm, Travelers or anyone else would charge for the same coverage today. With Georgia’s market split, running your ZIP against every carrier is unusually likely to pay off — it’s free and takes a couple of minutes.