Top Auto and Health Insurance Companies in Georgia
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Georgia drivers need adequate insurance protection while driving down state's congested highways. On I-75 South, Georgia residents face dangers from speeding travelers barreling toward sunny tourist destinations in Florida. In the morning traffic rat race, commuters deal with swift tractor trailers cutting them off on Atlanta's Downtown Connector. Severe spring thunderstorms in Georgia can also cause hazardous on-the-road conditions with heavy rains, violent winds, and hail.
Due to these hectic conditions, many drivers in Georgia have gotten into serious traffic accidents. Some have ended up in hospitals, like Grady Medical Center, in need of emergency medical care.
If you're a Georgia resident, you'll need Georgia car insurance and health insurance to protect yourself and your assets while on the road.
In this article, you'll learn about the best car insurance companies in Georgia and how to snatch the lowest auto insurance rates. We'll also tell you about the cheapest health insurance companies and plans within the area as well as minimum requirements.
What Is the Minimum Auto Insurance Required in Georgia?
Insurance requirements in Georgia state that drivers must carry liability insurance that meets the state's minimum requirements. Drivers can purchase more coverage in Georgia, if they choose to do so. It may raise the price on premiums but may save you money in the long haul.
In Georgia, liability insurance pays for another driver's damages resulting from an accident that you caused. It will also pay for the other party's injuries when you're ruled at fault after an incident.
In Georgia, the required minimum state car insurance for drivers is $25,000 bodily injury (BI) liability insurance per person and $50,000 per accident. Additionally, they must carry a mandatory $25,00 in property damage liability per accident. However, $25,000 bodily injury per person may not be a sufficient limit if something does happen.
In Georgia, you can also purchase higher limits of insurance to cover physical damage insurance to their vehicles and injuries per person. Full coverage includes comprehensive insurance, or "other than collision" insurance. It pays for theft, vandalism, and losses related to fire. Collision insurance pays for damages related to vehicle collisions.
Drivers can also obtain coverage in Georgia that pays for damages caused by uninsured and underinsured drivers. The state of Georgia requires $25,000 uninsured motorist BI insurance per person and $50,000 per accident. Additionally, it requires $25,000 uninsured property damage liability insurance with a $250, $500 or $1,000 deductible. Again, remember that insurance requirements are the minimum and may not cover all costs.
Which Insurance Carriers Have the Cheapest Car Insurance in Georgia?
SmartFinancial has collected data to find out which insurance companies in Georgia provide the cheapest car insurance rates. We have analyzed Georgia auto insurance rates for the top 12 insurance carriers in the region. Your prices may differ from the averages, since insurance companies use personal metrics to determine how much of a risk you pose on the road. You'll pay less money if you seem to be safer to insurance companies.
The metrics they use include your zip code, age, gender, marital status, driving behavior, record, claims history, vehicle make and model, mileage, and coverages.
Here are the top twelve cheapest car insurance companies in Georgia with the best auto insurance rates according to SmartFinancial data.
|Rank||Cheapest Car Insurance Companies in GA||Average Monthly Rate|
|2||Auto-Owners Insurance Co||$144.35|
|4||Georgia Farm Bureau||$151.19|
|6||ACCC Insurance Company||$181.14|
Which Are the Top Five Car Insurance Companies in Georgia?
Drivers in Georgia can select from several different car insurance companies within the state, but which ones have the lowest prices for Georgia residents?
Smart Financial conducted a study of the top insurance companies in Georgia. We used metrics from J.D. Power's Auto Insurance Satisfaction Survey and other sources to calculate prices. Customer satisfaction also played a critical role in our decision.
Who is the best car insurance in Georgia? It depends what you are looking for. Are you seeking great customer care? Alfa, Auto-Owners, or Allstate may be great choices for you. If you want cheap car insurance in Georgia, State Farm, Auto Owners or Geico may be better selections.
Military members stationed in Georgia can consider car insurance companies like USAA or Geico. Here are the top five best car insurance companies in Georgia.
1. Alfa Insurance
J.D. Power Auto Insurance Satisfaction Score (SouthEast): 858
2. Auto-Owners Insurance
J.D Power Insurance Satisfaction Score (SouthEast): 854
Average Monthly Premium: $144.35/ month
3. State Farm
J.D. Power Insurance Satisfaction Score (SouthEast): 835
Average Monthly Premium: $150.28
J.D. Power Auto Insurance Satisfaction Score: 846
Average Monthly Premium: $207.65
J.D. Power Auto Insurance Satisfaction Score: 837
$387.55 per month
What Insurance Companies Are Available in Georgia?
If you're a Georgia driver, you should consider your options when it comes to car insurance. Just because an insurer isn't a popular, national brand doesn't mean it can't provide you with better insurance in Georgia.
When shopping for a policy that fits your needs and your budget, don't settle for coverage in Georgia that doesn't fit your needs or your wallet. You can find the cheapest car insurance using SmartFinancial's tools that match you with a local insurance agent that provides insurance in Georgia with premiums at the right price.
The following list contains all the available car insurance companies in the state of Georgia. Some, like the Georgia Farm Bureau, are local while others cover several states or the entire country.
1. 21st Century Insurance
This insurer has provided customers with car insurance coverage for over 60 years. Louis W. Foster founded the company as an inter-insurance exchange in 1958. The company provided car insurance to California residents. Today, it is part of the Farmers Insurance Companies and provides car insurance in Georgia.
Coverages: Bodily Injury Liability, Property Damage, Uninsured/Underinsured Motorist, Collision, Comprehensive
Discounts (Categories): Good Driver, Superior Driver, Good Student, Mature Driver, Multi Car, Anti Theft, Safe Driver, Vehicle, Driver
2. AAA Insurance
AAA is a motor club federation, national member and service organization that operates in Georgia. The group has over 60 million members in the U.S. and Canada. It provides members with auto, boat renters, home and condo insurance. This organization also offers roadside assistance, automotive services, banking and insurance to its members.
Coverages: Liability, Uninsured/Underinsured, Comprehensive, Collision, Small-Claim Forgiveness, Claim-Free Rewards, Disappearing Deductibles, Total Loss Replacement, Enhanced Exterior Repair Option, Loan/Lease Gap, Small Motorcycle & Off-Road Vehicles, Policies for Educators, Transportation Network Company Coverage.
Discounts: Household/Driver, Vehicle, and Participatory.
3. Alfa Insurance
Alfa Insurance provides car insurance in Georgia that will protect drivers if an unexpected event occurs. The company also has other products, including life and property insurance. In 1946, this collective of insurance companies began as an extension of the Alabama Farmers Federation. John Tucker Harris, a Lee County farmer, was the first person to submit a pre-insurance application to the company..
Coverages: Liability, Uninsured/Underinsured, Medical Payment, Loss of Income, Comprehensive, Collision and Loss of Use
Discounts (Categories): Policy, Driver Education, Occupational, and Safety Features.
Allstate promises that Georgians will be in good hands if they sign up for their car insurance. It is one of Georgia's and the nation's largest insurance companies. Sears, Roebuck & Company Board chairperson Robert E. Wood founded the business. He named the company after a top-selling tire listed in the Sears Catalog. Allstate offers competitively priced auto insurance. It is one of the best car insurance companies in Georgia.
Coverages: Standard Liability, Collision, Comprehensive, Medical Payments, Uninsured & Underinsured Motorist, Sound System Insurance, Roadside Assistance, Personal Injury Protection, Personal Umbrella Policy, Rental Reimbursement and New Car Replacement
Discounts: New Car, Multi-Policy, Teen Driver, Allstate Rewards, Deductible Rewards, Safe Driving Bonus, FullPay, Early Signing, Responsible Driver, Multiple Policy, Safety Equipment and eSmart Paperless
5. American Family Insurance
American Family Insurance (AmFam) has provided residents with protection for almost 100 years. This private mutual company specializes in property, casualty and auto insurance and offers policies in Georgia. Founder Herman Wittwer launched the business as Farmers Mutual on October 3, 1927. Drivers can also select one of AmFam's car insurance products. They also provide life, health and homeowners coverage.
Coverages: Property Damage Liability, BI Liability, Medical Expenses, Personal Injury Protection, Gap Insurance, Uninsured Motorist Protection, Rental Reimbursement, Emergency Road Service, Accidental Death and Dismemberment
Discounts (Categories): Policy, Safe Driving, Young Driver and Billing
6. Auto-Owners Insurance
Auto-Owners Insurance is a Georgia car insurance carrier that sells life, home, auto, and business insurance. It only sells its auto insurance policies through independent local agents in 26 states. Vern V. Moulton founded Auto-Owners in 1916, along with four associates in Mount Pleasant, Michigan. It later moved to Lansing, where it manages its current headquarters.
Coverages: Bodily Injury Liability, Property Damage Liability, Medical Payments, Personal Injury Protection, Collision, Comprehensive, Uninsured/Underinsured Motorist, Road Trouble Service,Additional Expense, Loan Gap/Lease Gap, Diminished Value and Personal Automobile Plus Package
Discounts (Categories): Multi-Policy, Life Multi-Policy, Payment History, Paid-in Full, Green, Advance Quote, Multi-Car, Safety Features, Favorable Loss, Deductibles, Students
7. Bristol West Insurance
This Georgia auto insurance provider is a subsidiary of Farmers Insurance Group of Companies. Bristol West Insurance opened its first offices in Florida circa 1973 and began offering private passenger auto insurance for Sunshine State residents and expanded its reach to more customers. Bristol West now provides insurance through its agents and brokers in 42 states. Bristol West Insurance is available for new drivers in Georgia, people with poor credit scores and individuals with a DUI conviction.
Coverages: Bodily Injury Liability, Property Damage Liability, Comprehensive, Collision, Uninsured/Underinsured Motorists, Rental Reimbursement, Medical Payments, Towing and Roadside Service, Permissive User Coverage, SR-22 insurance, FR-44 insurance, Gap Insurance, $500 Trailer Physical Damage Coverage, Rideshare Coverage Option (Not Available in All States).
Discounts: Multi-Car, Multi Policy, Pay in Full, E-Payments, Home ownership, E-documents, safety devices, Defensive Driving Course, Early Renewal
8. California Casualty Insurance Company
The Brown family founded the California Casualty Insurance Company in 1914. It provides insurance primarily to educators, higher ed employees, law enforcement, fighter fighters, EMS, RNs and nurses. The insurer sells auto, homeowners, motorcycles, renters and additional policies.
Coverages: Standard Liability, Medical Payments, Comprehensive, Collision, Underinsured/Underinsured, Towing, Optional Limits Transportation, Excess Electrical Equipment
Discounts: Driver Training, Mature Driver, Good Student, Good Driver
Do you prefer insurance carriers that favor a digital approach to customer care? Clearcover may be right for you. This Chicago-based insurer provides cheap car insurance to Georgia residents and for some it's the cheapest car insurance option with rock-bottom prices. According to The Insurance Journal, its partners raised more than $11.5 million to launch its unique Insurtech Model. Clearcover allows Georgia car insurance policyholders to submit every claim and payment through their online app. This technology can also complete other routine tasks like policy changes and cancellation of your insurance.
Coverages: BI, Property Damage, Medical Payments, Collision, Comprehensive, Uninsured/Underinsured Motorist
10. Country Financial
Country Financial provides insurance and financial services to customers in 19 states, including Georgia. In 1925, the Illinois Agricultural Association founded the company to offer fire and lightning insurance protection for its members. In the late 1920s, it sold crop, auto and life insurance. Today, Country Financial sells financial services, retirement and estate planning, investment planning and annuities. It also sells auto, home, life, farm and business insurance.
Coverages: BI Liability, Property Damage Liability, Uninsured/Underinsured, Medical Payments, Personal Injury Protection, Comprehensive, Collision, Uninsured Motorist Property Damage and Umbrella Insurance
Discounts: Multi-Policy, Multi-Car, Legacy, Engaged Couple, Occupation, Good Student, College Graduate, Good Driver, Simply Drive, Defensive Driver, Anti-Theft, Advanced Quote
11. Direct Auto Insurance
Direct Auto Insurance is perfect for drivers in Georgia who have made a few mistakes in the past. This Nashville, Tennessee-based company is a subsidiary of the Direct General Group. It offers car insurance to high-risk drivers. It also provides SR-22 certification to DUI-convicted drivers. It also sells car and motorcycle insurance to Georgia residents. Direct Auto also provides term life insurance, roadside assistance and vehicle protection plans.
Coverages: Bodily Injury, Property Damage, Comprehensive, Collision, Medical Payments, Personal Injury Protection, Uninsured Motorist, Rental Reimbursement, Towing, Accidental Death
Discounts: Military, Safe Driver, Good Student, Senior, Multi-Car, Low Mileage, Prior Insurance Coverage, Policy Renewal, Homeowner, Affinity, Multi-Product, Welcome Back
The online Allstate subsidiary has provided insurance to Georgia residents since its founding in 1999. Esurance specializes in selling bundled policies to customers. It has an easy, intuitive website and online app. The insurer provides Georgia car insurance, such as auto, motorcycle, homeowners and renters insurance.
Coverages: Bodily Injury Liability, Property Damage Liability, Uninsured/Underinsured Motorist, Collision, Comprehensive, Emergency Roadside Assistance, Rental Car, Loan/Lease Gap, Medical Payments and Personal Injury Protection.
Discounts: Claim-Free, Multi-Policy, Good Driver, No-Fault Accident, Switch and Save, Fast 5, Paid-in-Full, Features
13. Farmers Insurance Group
Farmers Insurance Group is one of the oldest auto insurance companies in the United States. Farmers first opened in 1928 and has expanded to become the Farmers Insurance Group. Today, it is a multi-line insurance and financial services firm. It serves over 50 million individual policies in all 50 states. Farmers is based in Los Angeles, where it started insuring vehicles for rural farmers.
Coverages: Liability, Collision, Comprehensive, Uninsured/Underinsured, Medical Payments, Personal Injury Protection, Towing and Roadside Service, Rental Car Reimbursement, Rideshare, Loss of Use, Guaranteed Value, Customized Equipment, Personal Umbrella, Glass Deductible, Full Windshield and Glass Coverage, Spare Parts, Original Equipment, New Car Replacement and Accident Forgiveness,
Discounts: Adaptive Headlights, Multi-Policy, Good Driver, Alternative Fuel, Good Student, Student Away, Defensive Driver, Occupation Affinity, Anti-Lock, Advance Purchase
14. Foremost Insurance
This carrier is a member of the Farmers Insurance Group of Companies. It offers specialty car insurance in Georgia that other businesses may not provide. The company not only provides auto coverage. It also sells home, recreational, flood, watercraft, electric vehicles, golf carts and snowmobile insurance. drivers can contact them at 1 (800) 527-3905.
Coverages: Uninsured/Underinsured Motorist, One Household, One Policy, Rental Reimbursement, Medical Payments, Towing and Roadside Service, Loan/Lease Coverage
Discounts: Multi-Policy, Multi-Car, Paid-In-Full, Prior Insurance/Continuous Insurance, Go Paperless, Safe Driver
15. Kemper Insurance
This Chicago-based insurer has provided Georgia car insurance for almost a decade. It was founded in April 1990 as a spin-off of Teledyne. Its original name was Unitrin, The business created three separate categories for its business: health insurance, consumer finance and property and casualty insurance. Kemper purchased car insurance lines of auto insurer and financial firm Kemper Insurance. It later purchased all rights to the name and launched operations as the Kemper Corporation in 2011. In 2020, Fortune Magazine listed it as one of its 100 Fastest-Growing Companies.
Coverages: Standard Liability, Kemper Prime Auto Enhanced, Auto Loan/Lease, Kemper Total (Actual Cash Value for New Cars), Diminishing Deductible, Trip Interruption Expenses, Entry Transmitter Device Replacement, First Accident Waiver
Discounts: Defensive Driver, Military, Anti-Theft, God Student
This Dallas, Texas-based is a property and casualty insurance holding firm. In Georgia, it provides non-standard personal car insurance to Georgia drivers. Gainsco provides only minimum standard liability coverage in Georgia, which is the cheapest auto insurance policy. In December 2020, State Farm acquired Gainsco and its subsidiaries.
Coverages: Minimum Standard Liability Coverage Only
Discounts: Auto-Pay, Pay in Full, Prior Coverage, Prior Gainsco Coverage, Agency Internal Transfer, Advance Purchase, Length of Ownership, Homeowner, Renewal, Multi-Car
Geico has become synonymous with cheap car insurance because it provides some of the cheapest car insurance rates for drivers with low credit scores and traffic violations. It is the second-largest auto insurance carrier in the United States after State Farm and sells auto coverage to Georgia residents. Additionally, it sells life, property, travel, business, renters and pet insurance.
Coverages: Bodily Injury Liability, Property Damage Liability, Medical Payments, Personal Injury Protection, Collision, Comprehensive, Emergency Roadside, Rental Reimbursement, Mechanical Breakdown Insurance
Discounts (Categories): Vehicle Equipment, Driving History & Habits, Driver's Education, Driver Affiliations, Customer Loyalty
18. The General Insurance
The General is known for its popular spokesperson Shaquille O'Neil. The Nashville, Tenn- based company is a subsidiary of PGC Holdings Corp. It has provided car insurance to drivers with less-than-perfect credit and driving records. This Georgia auto insurance provider sells auto, renters, commercial, homeowner, life, and health insurance. Additionally, it offers other policies for motorhomes, travel trailers, boats, and even pets. The General is best for individuals with low credit scores, lapses in coverage, or DUI convictions.
Coverages: Bodily Injury Liability, Property Damage Liability, Medical Payments Underinsured Motorist Coverage, Comprehensive, Collision, Rental Car, SR-22 Coverage
Discounts: Paid in Full (Most States), Academic Achievement, Safety Equipment, Defensive Driving
19. Georgia Farm Bureau Mutual Insurance Company
Most Georgia farmers and agricultural workers are familiar with the Georgia Farm Bureau. Georgia's largest voluntary agricultural organization runs Georgia Farm Bureau, a homegrown Georgia car insurer. Georgia Farm Bureau is a grassroots, membership-based federation that began in 1937. Georgia Farm Bureau serves almost 300,000 Georgian families in 158 state counties. The Georgia Farm Bureau sells car insurance to farmers, business owners, families, and individuals across the state.
Coveragesfrom the Farm Bureau: Private Passenger Auto (PPA) Policy, Roadside Assistance
Georgia Farm Bureau Discounts: Accident Forgiveness, Driver Training, Farm Auto Rates, Good Student, Multiline, Safe Driver, Defensive Driving Class
20. The Hartford
The Hartford has helped people weather difficult challenges since 1810. It began as a fire insurance company. It also provided the first insurance policy to an institution of higher learning, Yale University. They also helped customers after the 1871 Chicago Fire and 1906 San Francisco Earthquake. Today, The Hartford provides a selection of auto, home, renters and business insurance products. Drivers can qualify for their auto and home insurance policies if they are AARP members.
Coverages: Bodily Liability, Property Damage Liability, Uninsured/ Underinsured Motorist, Medical Payments, Personal Injury Protection, Comprehensive, Collision, Full Glass, Towing, Rental Car Expense, Personal Umbrella Insurance, Gap Insurance
Discounts: Multi-Policy, Truelane, Anti-Theft, Air Bag, Defensive Driving, Vehicle Fuel, Driver Training, Good Student, Advance Quote Online
21. Homesite Insurance
This Boston-based property and casualty insurance company was founded in 1997s and was the first to allow people to buy policies directly online. Today, they provide Georgia drivers with customized car insurance policies to protect their property against financial losses. Homesite also sells renters, condominium, small business, auto, and term life insurance.
Coverages: Bodily Injury Liability, Property Damage Liability, Comprehensive, Collision, Medical Expense, Personal Injury Protection, Rental Reimbursement, Emergency Road Service, Loan/Lease Assistance
Discounts: Good Student, Driver's Education Course, Affiliations, Anti-Theft, Safety Features, Parking in a Garage, Owning a Less-Costly Model, Multi-Policy, Multi-Vehicles, E-Payments, Full Year Payments, Early Renewals
22. Horace Mann Educators Insurance Corporation
Horace Mann was one of the most iconic educators in the United States and the carrier that took his name sells coverage to educators, first responders, nurses, and other service-dedicated professionals. The insurer also sells auto, property and life insurance. It also provides financial services that include mutual funds and retirement annuities. Horace Mann's primary clientele are educators and their families. In 1945, teachers Leslie Nimmo and Carrol Hall started the Springfield, Illinois-based company. It later became a part of CIGNA before it sold Horace Mann to another investment group in 1989. It started its first initial public offering of stock in 1991. Today, Horace Mann Educators Insurance Corporation has over 1,400 employees.
Coverages: Liability Coverage, Collision, Comprehensive, Emergency Road, Horace, Mann Express, Rental Reimbursement
Discounts: Educator, Multi-line, Multi-car, Association, Payroll, New Customer, HM Drive, Driver Safety, Car Safety, Good Student
23. Infinity Auto Insurance
Infinity is a subsidiary of Kemper Insurance. It provides car insurance to Georgia drivers. Additionally, Infinity offers commercial insurance, homeowner policies, and life insurance.
Coverages: Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist,
Discounts (Categories): Infinity DriverClub
24. Liberty Mutual
Liberty Mutual is the third-largest property and casualty insurer in the United States. It opened its doors in 1912 to provide workers with compensation insurance. They included additional forms of protection, including auto insurance in 1912. Today, Liberty Mutual sells personal and business insurance to Georgia residents. They also provide special savings for homeowners, students, safety features, driving behavior and bundling your policies.
Coverages: Bodily Injury, Property Damages, Medical Payments, Collision, Comprehensive, Liberty Mutual Deductible Fund, Lifetime Repair Guarantee, New Car Replacement, Better Car Replacement, Towing and Labor, Gap Coverage, Original Parts Replacement, Teachers Car Insurance, Mexico Car Insurance
Discounts: Homeowner, Military, Early Shopper, Good Student, Student Away at School, Safety Features, Alternative Energy, Anti-Theft, Accident Free, Violation Free, Right Track, Multi Policy, Multi Car, Preferred Payment, Pay in Full, Online Purchase, Paperless Policy
25. Mercury Insurance
Mercury Insurance is a Los Angeles-based, multi-line insurance company. It offers personal automobile and homeowners insurance in 11 states, including Georgia. George Joseph, a World War II veteran and Harvard graduate, founded Mercury in 1962 and sold more than $1 million homeowners policies in California. It started offering car insurance in the late 1970s before expanding its operations to Georgia in 1989. Mercury provides auto, homeowners, renters, and business insurance.
Coverages: Standard Liability, Collision, Comprehensive, Medical Payments, Personal Injury Protection, Underinsured/Uninsured Motorists, Rental Car, Roadside Assistance, Ride-Hailing Insurance, Mechanical Protection
Discounts (Categories): AutoPay, E-Signature, Good Driver, Good Student, Multi-Car, Multi-Policy, Pay in Full
MetLife is a New York-based carrier that's one of the world's largest providers. Metlife also manages annuities and employee benefits. It serves more than 90 million customers worldwide. The carrier launched in 1863 as the National Union Life and Limb Insurance Company. It later became the Metropolitan Life Insurance Company in 1868. Today, MetLife offers several insurance products, including life, dental, disability, annuities, auto, renters and home insurance.
Coverages: Standard Liability, Roadside Assistance, Replacement Coverage for Total Loss, Identity Theft Protection Services, New Car Replacement, Special Parts Replacement, Enhanced Car Rental Damage Coverage
Discounts: Good Driver Rewards, Automated Payments, Multi-Product, Policy Savings, Affiliations
27. National General Insurance
National General Insurance is a carrier based in Winston-Salem, North Carolina. It provides Georgia residents with auto, homeowners, and supplemental insurance policies. They also sell RV, motorcycles, and commercial vehicle coverage.
Coverages: Bodily Injury Liability, Property Damage Liability, Collision, Comprehensive, Medical Payments, Uninsured Motorist, Personal Injury Protections, Roadside Assistance, Accident Death and Dismemberment, Auto Protection Plan
Discounts: Paid-in-Full, Multi-Vehicle, Safe-Driver, RV and Autos, Motorcycle, Low Mileage, Affinity, Multi-Policy, Paperless, Anti-Theft, Auto Pay
This Columbus, Ohio-based company launched in 1926 as Farm Bureau Mutual. It grew from a small auto carrier to one of the world's largest insurance companies and financial services carriers. Today, it offers a comprehensive range of insurance products to customers across the nation, including car, motorcycle, renters and homeowners insurance. It also sells farm, life, commercial and pet policies. Additionally, Nationwide offers mutual funds, retirement plans and specialty health services, too.
Coverages: Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, Uninsured/Underinsured Motorist, Medical Payments, Collision, Comprehensive, Towing and Labor, Rental Car Expense, Gap Coverage, Accident Forgiveness, Roadside Assistance, Vanishing Deductible, Total Loss Deductible
Discounts: Multi-Policy, SmartRide, SmartMiles, Accident Forgiveness, Good Student, Defensive Driving, Anti-Theft, Safe Driver, Accident Free, Easy Pay Sign Up,
29. Safeco Insurance
This Seattle-based carrier started as the Selective Auto and Fire Ensurance Company of America (SAFECO) almost sixty years ago. Today, they are a member of the Liberty Mutual Group, Inc. It provides car insurance to Georgia residents.
Coverages: Standard Liability, Collision, Comprehensive, Property Damage, New Vehicle Replacement, Rental Car Reimbursement, Accident Forgiveness, Claims-Free Cash Back, Diminishing Deductible
Discounts: Defensive Driver, Distant Student, Driver's Ed, Good Student, Further Education, Homeowner, Occupation, Military, Married, Safeco Safety Rewards, Stable Residence, Teen Safety Reward
30. Safeway Insurance
Safeway currently operates offices in 12 states. This Westmont, Illinois-based auto insurance company is privately held by the Parillo family. The insurer has provided standard auto insurance to residents of Georgia for decades.
Coverages: Bodily Injury, Property Damage Liability, Collision, Comprehensive, Uninsured Motorist
Discounts: Prior Insurance Policy, Accident-Free
31. State Farm
State Farm is the largest provider of auto and home insurance policies. This Bloomington, Ill.-based company has sold single-line car insurance policies since 1923. State Farm now offers more than 100 products and services, including home & property, small business, life, health and disability insurance. It provides the cheapest car insurance rates to individuals with low credit scores or DUI convictions. Additionally, State Farm provides insurance for motorcycles, boats, motorhomes and pets at a fair price. It is one of the cheapest car insurance companies in Georgia.
Coverages: Collision, Comprehensive, BI Liability, Property Damage Liability, Comprehensive, Collision, Car Rental and Travel Expenses, Uninsured/Underinsured Motor Vehicle, Medical Payments, Emergency Road Service, Rideshare Driver
Discounts: Accident-Free, Defensive Driving, Drive Safe & Save, Driver Training, Good Driving, Good Student, Multiple Automobiles, Multiple Line, Passive Restraint, Steer Clear, Student Away, Vehicle Safety
32. Stillwater Insurance Group
Stillwater Insurance Group was founded in 2000 and provides property and casualty insurance to people in all 50 states. The business launched as Fidelity National Property and Casualty Insurance Group. Its parent company was FNF, a provider of residential title and mortgage services. FNF exited the market after Hurricane Katrina caused monumental losses for the property and casualty industry. Eventually, Stillwater CEO Mark Davey rounded up a group of investors and purchased 85 percent of the outstanding share in 2012. The insurance carrier provides car insurance in Georgia and also sells home insurance, renters insurance commercial auto and other business insurance to Georgia residents.
Coverages: Bodily Injury Liability, Property Damage Liability, Comprehensive, Collision, Loan/Lease Payoff Coverage, Medical Payments, Personal Injury Protection, Uninsured/Underinsured Motorist Coverage
Discounts: Accident/Violation Free, Good Driver, Good Student, Multi Car, Multi-Policy, Paid-in-Full, Paperless, Theft Protection and Safety Device
33. The Travelers Companies, Inc.
The Travelers is known for its iconic umbrella symbol that offers protection to customers. It is the second-largest writer of property and casualty claims. Hartford businessman James G. Batterson and local banker James E. Bolton are its founders. Alexander Wilkin, another founder, created a separate business, St. Paul Fire and Marine Insurance Company in 1855. These two insurance carriers eventually merged in 2004. Travelers provide drivers with auto insurance. It also sells homeowners, renters, boat & yacht, landlords and other insurance products.
Coverages: Liability, Comprehensive, Collision, Personal Injury Protection, Uninsured/Underinsured Motorist, Medical Payments, Loan/Lease Gap Insurance, Rental Coverage, Roadside Assistance, New Car Replacement, Accident Forgiveness, Ride Sharing, Umbrella Insurance
Discounts: Multi-Policy, MultiCar, Home Ownership, Continuous Insurance, Hybrid/Electric, Safe Driver, New Car, EFT, Paid in Full, and Good Payer, Early Quote, Good Student, Student Away, Driver Training
The United Services Automobile Association (USAA) is a financial services firm. It had total revenues of more than $35 billion in 2019. This business offers banking, insurance and investment services to Georgia veterans, military members and their families. It has a stellar industry reputation for providing affordable premiums. This carrier is perfect for service members at Robins Air Force Base, Fort Stewart and other Georgia bases.
Coverages: Bodily Injury, Property Damage Liability, Comprehensive, Collision, Personal Injury Protection, Uninsured/Underinsured Motorist
Discounts: Good Grades, Clean Driving Record, Garage, Multi-Policy, Anti-Theft, Deployment, Loyalty
What Are the Best Health Insurance Companies In Georgia?
Having good health is an essential part of living a good life. Finding affordable health insurance coverage at a reasonable price in Georgia is paramount.
Georgia doesn't have many health care insurance carriers for residents in the state. Here are the top six insurance carriers available in the state's healthcare exchange. In some rural counties, Georgia residents won't have a great selection of providers. Alliant provided the cheapest plans. Ambetter had the most affordable Silver Plan.
1. Ambetter from Peach State Health Plan
Ambetter is a suite of healthcare products by Centene Corporation. They are available in the Health Insurance Marketplace. This corporation has more than 30 years of experience in the managed care industry. Ambetter of Peach State Inc. underwrites the program. It is a qualified Health Plan issuer in the Georgia Health Insurance Marketplace.
Coverages: Essential Care, Balanced Care, Secure Care
2. Anthem Blue Cross and Blue Shield Inc.
Blue Cross and Blue Shield of Georgia (BCBSGa) is one of the largest and oldest health benefit providers in the state. They insure 3.2 million people in the state, which is one-third of the state's population. They currently employ more than 3,000 people. Their network includes 192 hospitals and 16,348 primary care physicians and specialists.
Coverages: Health Insurance Plans, Dental Insurance, Vision Insurance, Supplemental Insurance, Limited Duration Insurance
3. CareSource Georgia Co.
Dayton, Ohio community leaders founded this insurance carrier in 1989. They wanted to expand healthcare to underserved communities. It is one of the largest managed care plans in the nation.
Plans: MarketPlace Plans, Georgia Families Medicaid, Peachcare for Kids, Planning for Healthy Babies, Medicare Advantage with Prescription, Medicare Advantage Dual Special Needs.
4. Alliant Health Plans
Alliant Health Plans is a Northwest Georgia health care insurance provider. Community-based physicians founded the hospital. They have sold health insurance to Georgia residents for over 20 years. Alliant is a licensed Provider Sponsored Health Care Corporation that improves healthcare for Georgians.
Plans: SoloCare Individual/Family, SimpleCare Small Group 2021
5. Kaiser Permanente of Georgia
This Georgia healthcare company has its headquarters in Oakland, California. Physician Sidney Garfield and Henry J. Kaiser founded the hospital in 1945. The hospital's initial mission was to provide a healthcare program for shipyard and steel mill workers. Today, it is a managed care consortium that gives medical services to 12 million people.
Plans: Individual and Family Healthcare Marketplace Plans (Bronze, Silver, Gold) and Small Business Plans.
Oscar Care is a health insurance company launched in 2012. It is the first built around a full-stack technology platform. The insurance carrier provides a suite of healthcare options to 529,000 members.
Plans: Medicare Advantage, Individuals & Families, Cigna + Oscar, Oscar for Business
What Are the Cheapest Health Insurance Plans in Georgia?
Short-Term Health Insurance is usually cheaper than major health care plans. They provide health insurance for a limited amount of time. They are a suitable solution for young, healthy people who are In between jobs and need an affordable insurance solution.
- Companion Life
- Everest Reinsurance Company
- Golden Rule
- Independence American
- National General Accident and Health
Other options include public health resources like Georgia's Department of Community Health and PeachCare for Kids.
Do you need cheap car insurance or health insurance? You can lower your insurance rates by shopping around and comparing coverage from several insurance carriers at once. An insurance comparison tool, like SmartFinancial, can help you find a policy that's right for you. For cheap car insurance, begin by entering your zip code below.