6 carriers raised and 3 carriers cut Georgia auto rates in 2026. The fastest way to stop overpaying is to compare carriers for your ZIP — the cheapest options in Georgia are below.
Cheapest car insurance carriers in Georgia right now
Estimated annual premiums for a standard profile, cheapest first — Georgia averages about $2,208/yr. The spread between carriers is wide, so shopping is how you beat a rate hike.
| # | Carrier | Est. annual | vs avg |
|---|---|---|---|
| 1 | USAA | $1,351/yr | Save $624 |
| 2 | GEICO | $1,749/yr | Save $226 |
| 3 | State Farm | $1,828/yr | Save $147 |
| 4 | Travelers | $1,851/yr | Save $124 |
| 5 | Root Insurance | $1,918/yr | Save $57 |
| 6 | Progressive | $2,031/yr | +$56 |
| 7 | The Hartford | $2,098/yr | +$123 |
| 8 | Kemper | $2,186/yr | +$211 |
| 9 | National General | $2,230/yr | +$255 |
| 10 | Safeco | $2,317/yr | +$342 |
Carriers that raised Georgia rates in 2026
| Carrier | Change | Effective | Affected | % of brand | Source |
|---|---|---|---|---|---|
| GEICO GEICO Casualty Company + GEICO Secure Insurance Company | +4.6% | Aug 21, 2025 | 176,619 | — | SERFF #GECC-134514872 ↗ |
| Donegal Southern Insurance Company of Virginia | +5.0% | Apr 1, 2026 | 2,800 | — | SERFF #DNGL-134767488 ↗ |
| Amica | +8.9% | Jun 1, 2026 | 19,212 | — | SERFF #AMMA-134629855 ↗ |
| Allstate Allstate Indemnity Company | +5.5% | Jul 13, 2026 | 434 | — | SERFF #ALSE-134945888 ↗ |
| Liberty Mutual LM General Insurance Company | +3.4% | Aug 31, 2026 | 13,476 | — | SERFF #LBPM-134994822 ↗ |
| American Family American Family Connect Property and Casualty Insurance Company | +7.5% | Oct 1, 2026 | 654 | — | SERFF #PRCA-134928738 ↗ |
Carriers that cut Georgia rates in 2026
| Carrier | Change | Effective | Affected | % of brand | Source |
|---|---|---|---|---|---|
| State Farm State Farm Mutual Automobile Insurance Company | −3.0% | Nov 28, 2025 | 2,069,411 | 97.4% | SERFF #SFMA-134677514 ↗ |
| Progressive Progressive American/Freedom/Mountain/Southeastern | −4.1% | Dec 5, 2025 | — | — | SERFF #PRGS-134655228 ↗ |
| Travelers Travelers Property Casualty Insurance Company | −10.1% | May 8, 2026 | 109,120 | — | SERFF #TRVD-G134911970 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and a cut usually reaches new buyers first — existing customers often don’t see it until their next renewal, if at all. For example, State Farm’s cut took effect for new customers on Nov 28, 2025 but existing customers only at renewals starting Dec 28, 2025. The only way to know you’re on the best current price is to re-shop.
Filing figures are filed/approved statewide averages from each state’s Department of Insurance; rankings are directional estimates. “Affected” counts are policyholders or insured vehicles as stated in each filing. Your individual rate varies by risk profile. Each filing links to its source. Not a quote.