Cheapest Teen Driver Auto Insurance in Georgia (Save With These 10 Companies in 2024!)
Geico, USAA, and State Farm have the cheapest teen driver auto insurance in Georgia for $132/mo. Joshua's Law and other Georgia teen driving laws impact when teens can start driving, but Geico offers 15% defensive driving and 25% safe driver discounts for teens who successfully complete driver's ed.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Min. Coverage for Teen Drivers in Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsGeico, USAA, and State Farm have the cheapest teen driver auto insurance in Georgia, especially for teens who complete a driver’s education course.
Teen drivers usually pay extremely expensive car insurance rates, but Geico’s average teen auto insurance rates in Georgia start at just $132 per month. You can save even more by taking advantage of Geico’s teen driver discounts.
Our Top 10 Picks: Cheapest Teen Driver Auto Insurance in Georgia
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $132 | B | Many Discounts | State Farm |
 | #2 | $135 | A++ | Cheap Rates | Geico |
 | #3 | $148 | A+ | Online Convenience | Progressive |
 | #4 | $209 | A++ | Military Savings | USAA |
 | #5 | $204 | A+ | Add-on Coverages | Allstate |
 | #6 | $301 | A+ | Usage Discount | Nationwide |
 | #7 | $308 | A | Local Agents | Farmers |
 | #8 | $356 | A | Customizable Policies | Liberty Mutual |
 | #9 | $372 | A++ | Accident Forgiveness | Travelers |
 | #10 | $467 | A+ | 24/7 Support | Erie |
Read on to explore your options for the best teen auto insurance in Georgia. Then, compare quotes by entering your ZIP code into our free comparison tool to find the lowest rates possible.
- Teens usually pay much higher insurance rates than more experienced drivers
- Most insurance companies offer teen driver and student discounts
- Geico and USAA have the cheapest teen insurance rates in Georgia
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#1 – State Farm: Top Pick Overall
Pros
- Drive Safe & Save: You can save up to 30% on your teen insurance rates by signing up for Drive Safe & Save. Make sure to check availability, as Drive Safe & Save is not available everywhere.
- Teen Safe Driver Program: Complete the Teen Safe Driver program from State Farm to earn special savings that last until you turn 21.
- Teen Discounts: Teenagers can lower their rates by taking advantage of State Farm’s student discounts, including the student away at school, driver education, and good student discounts.
Cons
- Limited Coverage: While State Farm has a few good options for car insurance, it lacks some popular choices. See what you can add to your policy in our State Farm auto insurance review.
- Slow Claims: If you need to file a State Farm claim, get ready to wait – many customers report long claims resolution times.
#2 – Geico: Cheapest Teen Auto Insurance Rates
Pros
- Competitive Rates for Teens: Geico is almost always an affordable option for insurance, and that’s particularly true for teens. Explore Geico’s average rates in our Geico auto insurance review.
- DriveEasy Discounts: Geico offers savings of up to 25% for enrolling in DriveEasy and practicing good driving habits.
- Teen Driver Discounts: With 16 total discounts, there are plenty of ways for teens to save on their insurance.
Cons
- Coverage Options Lacking: Geico doesn’t sell some of the most popular car insurance add-ons, like gap insurance, a vanishing deductible, or rideshare insurance.
- Mixed Reviews: It may offer affordable rates, but some drivers say the savings are not worth the headache of dealing with Geico’s customer service representatives.
#3 – Progressive: Best Online Tools
Pros
- Snapshot: Teens can lower their rates by up to 30% by agreeing to let Progressive track their driving behaviors with Snapshot.
- Name Your Price Tool: Since teen rates are usually high, using the Name Your Price tool to find coverage that matches your monthly budget can be invaluable.
- Teen Driver Discounts: Progressive offers several ways to save, including teen discounts for things like completing a driver’s education course and maintaining good grades.
Cons
- Snapshot Can Increase Rates. Progressive’s Snapshot is one of the few UBI programs on the market that will actually increase your rates if you don’t drive well enough.
- Rates Increase Unexpectedly. Many Progressive customers report that their rates unexpectedly increased. Read more customer experiences in our Progressive auto insurance review.
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#4 – USAA: Cheapest for Military Families
Pros
- Military Savings: USAA offers special savings and coverage options for military families.
- Top-Tier Customer Service: USAA strives to offer the best customer service for every driver. See how USAA accomplishes its high ratings in our USAA auto insurance review.
- Low Rates: USAA is consistently one of the cheapest car insurance options for teen drivers.
Cons
- Limited Offices: There aren’t as many physical offices for USAA, so finding help from a local agent can be difficult.
- Membership Requirements: Only active or retired military members and their direct families are eligible for USAA membership.
#5 – Allstate: Best Full Coverage Add-Ons
Pros
- Excellent Teen Coverage Options: Get the most out of your Allstate policy by adding coverage like accident forgiveness and roadside assistance.
- TeenSMART: Complete the TeenSMART driving program to earn a special discount from Allstate.
- UBI Savings: Allstate offers up to 40% savings with its UBI program, Drivewise. If you’re a low-mileage teen driver in Georgia, consider Allstate’s pay-per-mile program Milewise.
Cons
- Less Competitive Rates: Allstate is usually one of the most expensive options for insurance, meaning it can be harder to find affordable rates for the whole family. Learn more about Allstate’s rates in our Allstate auto insurance review.
- Customer Complaints: Allstate does not receive the best customer reviews, especially regarding its claims resolution process.
#6 – Nationwide: Best UBI Savings
Pros
- Accident Forgiveness: Sign up for Nationwide’s accident forgiveness add-on to have your first accident wiped from your insurance record.
- SmartRide: Nationwide offers one of the best UBI discounts with SmartRide. Not only can you save up to 40%, but SmartRide also offers valuable insights into teen driving habits.
- Generous Discounts: With 11 discounts, finding affordable teen auto insurance in Georgia is much easier with Nationwide. See how many discounts you might qualify for in our Nationwide auto insurance review.
Cons
- Average Rates: Nationwide’s rates aren’t very impressive — they tend to stay around the national average for all drivers.
- Lacking Digital Tools: Nationwide doesn’t focus on its online offerings, preferring to have its customers manage their policies with the help of an agent instead.
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#7 – Farmers: Best for Local Agents
Pros
- Long List of Discounts: With 23 discount options, Farmers gives young drivers a variety of ways to save.
- Friendly Representatives: Teens can get help with any insurance issue from a Farmers representative. Learn how to get in contact with agents in our Farmers auto insurance review.
- Excellent Coverage Options: Personalize your policy with Farmers’ add-on options. Popular teen choices include roadside assistance and customized equipment coverage.
Cons
- Higher Average Rates: Most drivers see higher rates at Farmers than they would at a different provider.
- Slow Response Time: Teens who add roadside assistance to their policies report that Farmers is slow to send help.
#8 – Liberty Mutual: Cheapest Customizable Policies
Pros
- RightTrack: Save up to 30% by enrolling in Liberty Mutual’s UBI program, RightTrack. See if RightTrack is right for you in our Liberty Mutual auto insurance review.
- Young Driver Support: Liberty Mutual representatives are available 24/7 to help young drivers when they need it.
- Unique Coverage Options: Teen drivers can get all the coverage they need to stay safe on the road with Liberty Mutual options like accident forgiveness and roadside assistance.
Cons
- Claims Issues: Some Liberty Mutual customers report problems with the claims process, often citing that resolution times are excessive.
- Higher Rates: Liberty Mutual is not usually the cheapest car insurance option, no matter how old you are.
#9 – Travelers: Cheapest Accident Forgiveness
Pros
- Customer Support: Understanding car insurance can be difficult, especially for new drivers. However, Travelers has the experience and knowledge to help teens through any tricky situation.
- Discount Options: Travelers offers 17 discounts, including several ways for teens to save.
- IntelliDrive: IntelliDrive offers a maximum savings of 30% for drivers who regularly practice safe habits on the road.
Cons
- Limited Online Tools: Travelers takes a more traditional approach to insurance by selling policies through representatives. It doesn’t have the most robust online policy management tools.
- Mixed Customer Reviews: While Travelers has plenty of satisfied customers, it also receives its fair share of complaints. See what customers have to say in our Travelers auto insurance review.
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#10 – Erie: Best Customer Support
Pros
- Rate Lock: As long as you don’t make significant changes to your policy, Erie will keep your insurance rates the same.
- Excellent Customer Service: Erie has a reputation for offering some of the best customer service on the market.
- YourTurn: Save up to 30% on your teen insurance with YourTurn. Learn more about YourTurn in our Erie auto insurance review.
Cons
- Fewer Discounts: Erie Insurance does not have the extensive selection of discounts many of its competitors offer.
- Online Service Limited: Erie doesn’t have the robust digital tools that teen drivers will likely expect.
Georgia Auto Insurance Requirements for Teens
The best car insurance for young drivers in Georgia isn’t necessarily the most expensive. Many teens choose a policy that only meets Georgia minimum auto insurance requirements to save as much as possible.
Georgia auto insurance requirements are a liability policy with $25,000 bodily injury per person, $50,000 per accident, and $25,000 worth of property damage. Insurance experts also suggest purchasing uninsured motorist coverage.Schimri Yoyo Licensed Agent & Financial Advisor
It may not be your cheapest option, but purchasing the best auto insurance for new drivers is never a bad idea if you can afford it. Check below to compare the cheapest full coverage auto insurance in Georgia with minimum insurance rates.
Georgia Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $265 | $678 |
| 16-Year-Old Male | $306 | $750 |
| 17-Year-Old Female | $250 | $640 |
| 17-Year-Old Male | $290 | $710 |
| 18-Year-Old Female | $209 | $475 |
| 18-Year-Old Male | $263 | $579 |
| 19-Year-Old Female | $190 | $440 |
| 19-Year-Old Male | $240 | $530 |
| 20-Year-Old Female | $175 | $405 |
| 20-Year-Old Male | $220 | $485 |
| 21-Year-Old Female | $160 | $380 |
| 21-Year-Old Male | $205 | $450 |
As you can see, getting auto insurance for drivers under 25 can be a significant challenge. This is particularly true in Georgia, where there are additional laws in place for teen drivers.
Georgia Teen Driving Laws
Teens have license restrictions in Georgia that prevent them from getting a license without significant training. Called Joshua’s Law, teens must meet the following requirements before getting a license:
- Complete a driver’s education class
- 40 hours of supervised driving, six of which must be at night
- A signed form by a parent or guardian stating the training has been completed
A parent or guardian needs to ensure these requirements are met when helping teen drivers get their first license. If teens don’t want to meet these Georgia learner’s permit laws, they’ll have to wait until they’re 18 to get a license.
Safety isn’t just a destination; it’s a journey. Let’s make every week Teen Driver Safety Week by practicing safe driving habits and looking out for one another on the road. 🛣️👀 #DDSCares #TeenDriverSafetyWeek #DriveResponsibly #NHTSA pic.twitter.com/0Mj8BxBCfq
— Georgia DDS (@GeorgiaDDS) October 17, 2023
Georgia implemented this law to help keep teen drivers safe. It was named after Joshua Brown, a teenage boy who died in a car accident in 2003.
Compare Teen Auto Insurance Rates in Georgia
Finding the best auto insurance for teens and young drivers means accepting the fact that you’ll have to pay more. Georgia auto insurance quotes for teens can cost double what older adults pay. That’s particularly true for teens who have accidents or speeding tickets on their records.
Check the table below to see how much car insurance for teens might cost based on their driving records.
Georgia Auto Insurance Monthly Rates by Age, Gender, & Driving Record
| Age & Gender | Speeding Ticket | At-Fault Accident | DUI/DWI |
|---|---|---|---|
| 16-Year-Old Female | $780 | $949 | $1,017 |
| 16-Year-Old Male | $863 | $1,050 | $1,125 |
| 17-Year-Old Female | $736 | $896 | $960 |
| 17-Year-Old Male | $816 | $994 | $1,065 |
| 18-Year-Old Female | $546 | $665 | $713 |
| 18-Year-Old Male | $666 | $810 | $869 |
| 19-Year-Old Female | $506 | $616 | $660 |
| 19-Year-Old Male | $610 | $742 | $795 |
| 20-Year-Old Female | $466 | $567 | $608 |
| 20-Year-Old Male | $558 | $679 | $728 |
| 21-Year-Old Female | $437 | $532 | $570 |
| 21-Year-Old Male | $518 | $630 | $675 |
Comparing Georgia auto insurance rates is more important than ever for teen drivers because prices vary significantly between companies.
While age and driving record are some of the most important factors in Georgia car insurance quotes, your ZIP code plays a crucial role, too.Eric Stauffer Licensed Insurance Agent
Your ZIP code is so important that it’s actually the first thing car insurance companies ask for when you fill out a quote request.
See below how much drivers pay for insurance on average in your city.
Georgia Auto Insurance Monthly Rates by Age, Gender, & City
| Age & Gender | Athens | Atlanta | Augusta | Macon | Savannah |
|---|---|---|---|---|---|
| 16-Year-Old Female | $260 | $290 | $275 | $265 | $280 |
| 16-Year-Old Male | $300 | $330 | $315 | $305 | $320 |
| 17-Year-Old Female | $245 | $275 | $260 | $250 | $265 |
| 17-Year-Old Male | $285 | $315 | $300 | $290 | $305 |
| 18-Year-Old Female | $205 | $235 | $220 | $210 | $225 |
| 18-Year-Old Male | $258 | $288 | $273 | $263 | $278 |
| 19-Year-Old Female | $186 | $216 | $201 | $191 | $206 |
| 19-Year-Old Male | $237 | $267 | $252 | $242 | $257 |
| 20-Year-Old Female | $172 | $202 | $187 | $177 | $192 |
| 20-Year-Old Male | $217 | $247 | $232 | $222 | $237 |
| 21-Year-Old Female | $158 | $188 | $173 | $163 | $178 |
| 21-Year-Old Male | $202 | $232 | $217 | $207 | $222 |
Teens typically see the highest rates in Atlanta, Georgia’s largest city. Georgia car insurance rate increases in Atlanta are due to more traffic and higher theft rates.
Although teen rates are high, shopping at companies with the cheapest teen auto insurance will help you save. If possible, teens can also save by joining an existing family policy.
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Adding Georgia Teen Drivers to a Parent’s Policy
A parent or guardian can help a new driver save significantly by adding a teen to your auto insurance policy. Check below to get an idea of how much teens can save by joining a family policy.
Georgia Auto Insurance Monthly Rates by Age, Gender, & Policy Type
| Age & Gender | Individual Policy | Parent's Policy |
|---|---|---|
| 16-Year-Old Female | $678 | $407 |
| 16-Year-Old Male | $750 | $450 |
| 17-Year-Old Female | $640 | $384 |
| 17-Year-Old Male | $710 | $426 |
| 18-Year-Old Female | $475 | $285 |
| 18-Year-Old Male | $579 | $347 |
| 19-Year-Old Female | $440 | $264 |
| 19-Year-Old Male | $530 | $318 |
| 20-Year-Old Female | $405 | $243 |
| 20-Year-Old Male | $485 | $291 |
| 21-Year-Old Female | $380 | $228 |
| 21-Year-Old Male | $450 | $270 |
Parents and guardians should be aware that adding a teen puts their auto insurance rates at risk.
Georgia auto insurance rate increases of 50% or more can happen when you add teens to car insurance.Laura D. Adams Insurance & Finance Analyst
If your teen drives recklessly or gets into accidents under your policy, your rates will also increase.
How to Lower Your Georgia Teen Auto Insurance Rates
Teens have to pay higher insurance prices, but there are plenty of steps you can take to get lower Georgia car insurance rates. For starters, the Georgia auto insurance companies list that offer teen driver discounts is long. Below, you’ll find a list of teen discounts offered by our top companies.
Most insurance companies require proof before teen driver insurance discounts will apply to your account. For example, teens figuring out how to get a defensive driver discount will need to submit proof of course completion to earn the discount.
Other options to keep your rates low include:
- Find Other Discounts: Most insurance companies offer 10 or more discounts to help drivers save.
- Lower Your Coverage” Choosing a policy with less coverage will lower your rates, but your vehicle won’t be as protected.
- Add Teens to Existing Policies: A parent or guardian adding a teen to their policy can cut rates for auto insurance for new drivers in half.
- Increase Your Deductible: Choosing a higher deductible will lower your monthly premium, but you’ll have to pay more if you need to file a claim.
While the steps listed above are great tips, the most crucial step in getting affordable coverage as a teen driver is comparing quotes. If you don’t compare quotes, you’ll probably overpay for your insurance.
Get the Cheapest Teen Driver Auto Insurance in Georgia
Whether it’s getting a driver’s ed auto insurance discount or raising your deductible, there are plenty of ways to save on your Georgia auto insurance.
However you decide to save on your insurance, make sure to compare quotes with as many car insurance companies as possible. Enter your ZIP code below to see how much you might pay in your area.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
How much is car insurance for an 18-year-old in Georgia?
While it depends on several factors, our research shows that the average 18-year-old driver in Georgia pays $263 per month for minimum insurance and $527 for full coverage auto insurance.
What is the cheapest insurance for a 16-year-old in Georgia?
When you need cheap auto insurance for 16-year-olds, you should consider a meeting the Georgia auto insurance limits required by law. Minimum insurance is the cheapest coverage you can purchase, but it doesn’t protect your car very well.
What is the best Georgia auto insurance for a new driver?
The best auto insurance for a new driver in Georgia depends on their needs. If the new driver has a new, expensive car, they should consider full coverage. However, a new driver with an older, less valuable vehicle can save money by choosing less coverage.
What is the cheapest Georgia auto insurance for a 17-year-old?
The cheapest auto insurance in Georgia for a 17-year-old is a minimum insurance policy. 17-year-olds pay an average of $270 for minimum insurance and $675 for full coverage. You can find cheap auto insurance for 17-year-olds by comparing quotes.
Who is cheaper for teen driver auto insurance in Georgia, Geico or Progressive?
Geico has slightly cheaper auto insurance in Progressive, though drivers with bad credit scores might find lower rates at Progressive.
What age is Georgia auto insurance cheapest?
Auto insurance tends to be cheapest when drivers are between the ages of 40 and 60. As long as you keep your driving record clean, your rates as a new driver will steadily decrease with age.
Does credit score affect auto insurance in Georgia?
Georgia state law allows car insurance companies to use your credit score as part of your insurance rates. If your score is low, you should consider shopping at the best auto insurance companies that don’t use credit scores.
What is the simplest way to lower your auto insurance premium?
There are a few simple ways to lower your car insurance rates, including finding discounts, enrolling in a UBI program, lowering your coverage, increasing your deductible, and keeping your driving record clean.
The most important step in finding affordable coverage is comparing quotes. Enter your ZIP code into our free tool to see rates in your area.
What is the basic auto insurance in Georgia?
Georgia’s state laws for insurance are straightforward — you simply need a 25/50/25 liability insurance plan.
What happens if someone else is driving my car and gets in an accident in Georgia?
It depends on who was driving your car. If you loaned it to a friend once, your insurance would cover them. However, if you frequently lend your car and the driver isn’t on your insurance policy, any claim you file would likely be denied.
Does insurance follow the car or driver in Georgia?
In Georgia, car insurance follows the car, not the driver. The exception to this rule is if you buy a non-owners policy, which covers you in any vehicle you drive.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
