Best Auto Insurance for Seniors in Georgia (Check Out the Top 10 Companies in 2024)
State Farm, Allstate, and The Hartford have the best auto insurance for seniors in Georgia. State Farm senior auto insurance rates for minimum coverage are $42/month. Driving experience makes seniors a lower risk to insure, and State Farm offers senior car insurance discounts for taking a defense driving course.
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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: Aug 4, 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: Aug 4, 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.
On This Page
17,760 reviewsCompany Facts
Full Coverage for Seniors in Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
11,413 reviewsCompany Facts
Full Coverage for Seniors in Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
765 reviewsCompany Facts
Full Coverage for Seniors in Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
765 reviewsState Farm, Allstate, and The Hartford have the best auto insurance for seniors in Georgia. The Hartford offers exclusive AARP senior discounts on car insurance.
The companies with the best auto insurance for seniors in Georgia have affordable coverage rates, plenty of discounts, and other great perks for senior drivers.
Our Top 10 Company Picks: Best Auto Insurance for Seniors in Georgia
| Company | Rank | Multi-Policy Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Senior Savings | State Farm |
 | #2 | 10% | A+ | Personalized Service | Allstate |
 | #3 | 20% | A+ | AARP Endorsement | The Hartford |
 | #4 | 12% | A | Comprehensive Coverage | Liberty Mutual |
 | #5 | 5% | A+ | Usage Discounts | Progressive |
 | #6 | 20% | A+ | Vanishing Deductible | Nationwide |
 | #7 | 10% | A | Personalized Plans | Farmers |
 | #8 | 15% | A | Customer Service | American Family |
 | #9 | 13% | A++ | Policy Bundles | Travelers |
 | #10 | 14% | A++ | Agent Support | Auto-Owners |
Our guide to the best car insurance for seniors in Georgia covers these companies’ pros and cons, average rates, and more. For those ready to jump right into getting senior driver quotes in Georgia, use our free tool to start comparing rates.
- State Farm is the best auto insurance company for seniors in Georgia
- Allstate and The Hartford are also great companies for senior drivers
- Senior drivers have more affordable rates due to driving experience
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#1 – State Farm: Top Pick Overall
Pros
- Senior Savings: State Farm has saving opportunities for senior drivers in Georgia, such as a defensive driver discount.
- Personalized Service: Senior drivers can get personalized assistance from local Georgia agents.
- Add-On Coverages: Georgia senior drivers can purchase extras like roadside assistance. Check out our State Farm review for a full coverage list.
Cons
- Online Management: Local Georgia agents handle most policy changes, which limits what senior drivers can do online.
- Financial Stability: State Farm’s rating was recently downgraded to a B at A.M. Best, meaning it may not be fit to pay Georgia insurance claims for senior drivers.
#2 – Allstate: Best for Personalized Service
Pros
- Personalized Service: Georgia seniors can get personalized service from Allstate agents.
- Milewise Insurance: Retired seniors in Georgia may want to sign up for pay-per-mile insurance with Milewise for low-cost coverage.
- Add-On Coverages: Allstate has a good selection for senior drivers in Georgia, with extras like roadside assistance.
Cons
- Claim Satisfaction: Allstate has more complaints than expected for its claims services in Georgia. Senior drivers can learn more in our Allstate auto insurance review.
- DUI Rates: Georgia seniors with DUIs on their driving record will have higher Allstate quotes.
#3 – The Hartford: Best for AARP Endorsement
Pros
- AARP Endorsement: The Hartford is great for AARP members, as it offers discounted rates to senior drivers in Georgia who are members.
- Add-On Options: The Hartford sells extras like gap coverage or roadside assistance for seniors in Georgia. For a full list of options, check out our review of The Hartford.
- Accident Forgiveness: Senior drivers in Georgia could be forgiven an accident at The Hartford.
Cons
- Speeding Ticket Rates: Senior auto insurance rates in Georgia will be expensive if you have a few speeding tickets on your record.
- Customer Satisfaction: Customer satisfaction in Georgia varies with seniors.
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#4 – Liberty Mutual: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Liberty Mutual has great comprehensive coverage for senior drivers in Georgia.
- 24/7 Claims: Seniors can file claims or request updates at any hour in Georgia.
- Good Driver Discount: Senior drivers in Georgia can participate in Liberty Mutual’s good driver program for a discount.
Cons
- Customer Satisfaction: Varying reviews show issues with inconsistent customer service in Georgia. Seniors can learn more in our Liberty Mutual review.
- High-Risk Driver Rates: Liberty Mutual is pricier for seniors in Georgia with poor driving records.
#5 – Progressive: Best for Usage Discounts
Pros
- Usage Discounts: Progressive offers a discount to seniors in Georgia who join its usage-based program, Snapshot.
- Online Convenience: Seniors can manage Georgia auto insurance online from Progressive’s free app or website.
- Coverage Add-Ons: Progressive sells extras to Georgia senior drivers who want more personalized policies.
Cons
- Snapshot Rate Increases: Senior drivers with unsafe driving habits may have Georgia rate increases after completing the program.
- Customer Ratings: Reviews from seniors vary for customer service in Georgia. Learn more in our Progressive review.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Safe senior drivers in Goeriga will see their deductibles go down at Nationwide.
- SmartMiles Insurance: A cost-effective insurance choice for retired seniors in Georgia, as coverage is paid for by the mile.
- Multi-Policy Discount: Seniors can bundle home and auto insurance in Georgia for a discount. For more discount options, read our Nationwide review.
Cons
- Customer Reviews: Varying reviews from senior drivers in Georgia reveal that most customers think services are average.
- High-Risk Driver Rates: Seniors in Georgia will pay much more for auto insurance if they have a DUI or multiple accidents on their driving record.
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#7 – Farmers: Best for Personalized Plans
Pros
- Personalized Plans: Georgia seniors can personalize their plans at Farmers. See what personalized options there are in our Farmers review.
- Local Agent Assistance: Most Georgia seniors will be able to visit an agent in person.
- Good Driver Discount: Senior drivers in Georgia can join Farmers’ good driver program for a discount on auto insurance.
Cons
- Customer Satisfaction: Negative customer reviews from seniors in Georgia were posted about claims and customer service.
- Accident Forgiveness: Farmers requires seniors to pay for accident forgiveness, which is usually free at other Georgia insurance companies.
#8 – American Family: Best for Customer Service
Pros
- Customer Service: Read our American Family review to see the ratings the company received for customer service from seniors in Georgia.
- Coverage Options: Senior drivers in Georgia can pay extra to personalize their policies with add-on coverages.
- Bundling Discount: Georgia seniors can buy their home and auto insurance from American Family for 25% off rates.
Cons
- High-Risk Driver Rates: Georgia seniors may want to avoid American Family if they have bad driving records.
- Availability: If Georgia seniors move out of state, American Family may not be available in their new location.
#9 – Travelers: Best for Policy Bundles
Pros
- Policy Bundles: Travelers discounts rates if senior drivers in Georgia bundle multiple insurance policies
- IntelliDrive Discount: Georgia seniors can join the usage-based program IntelliDrive for a discount.
- Financial Rating: Travelers is financially stable and has excellent financial management skills to help senior drivers in Georgia.
Cons
- IntelliDrive Rate Increases: Poor driving skills could raise rates for Georgia seniors after they complete the program.
- Customer Reviews: Travelers’ ratings from senior drivers are just okay in Georgia, which you can learn more about in our Travelers review.
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#10 – Auto-Owners: Best for Agent Support
Pros
- Agent Support: Georgia seniors can get customer support from local agents. Check out our Auto-Owners review for more information.
- Coverage Options: Auto-Owners offers add-ons like modified car coverage to Georgia seniors.
- Discount Options: Auto-Owners customers can save with some of the discounts offered to seniors in Georgia.
Cons
- Customer Ratings: Negative service reviews from senior drivers in Georgia have been posted about Auto-Owners.
- Online Management: Some tasks require senior drivers in Georgia to contact agents, limiting the amount of online management customers can do.
Best Auto Insurance Rates for Georgia Seniors
Seniors can opt to carry just the Georgia minimum auto insurance requirements, or they can add collision and comprehensive coverage for a full coverage policy.
Georgia minimum insurance is ideal only for seniors with older vehicles that are no longer worth much. Newer vehicles should have full coverage plans.Dani Best Licensed Insurance Producer
Take a look at the rates below for a cost comparison of minimum vs. full coverage car insurance for seniors in Georgia:
Senior Auto Insurance Monthly Rates in Georgia by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $65 | $161 |
| American Family | $49 | $121 |
| Auto-Owners | $77 | $152 |
| Farmers | $59 | $146 |
| Liberty Mutual | $104 | $258 |
| Nationwide | $60 | $149 |
| Progressive | $45 | $112 |
| State Farm | $42 | $105 |
| The Hartford | $85 | $170 |
| Travelers | $43 | $107 |
Georgia seniors have a few coverage options to choose from, and State Farm and Allstate have local agents to help you pick out the right policy.
Georgia Auto Insurance Discounts for Seniors
For senior drivers looking to save on Georgia car insurance policies, there are several different auto insurance discounts offered at each of the top companies.
If your current company doesn’t offer senior car insurance discounts or work with older drivers to make rates more affordable, then shop around to get better rates at another company.
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Finding the Best Georgia Auto Insurance for Seniors
State Farm, Allstate, and The Hartford are the top picks for great auto insurance for senior drivers in Georgia.
With plenty of discounts and coverage options, all of the companies on our list have great insurance for seniors. Senior drivers can also save by adjusting their auto insurance deductibles and keeping a clean driving record.
Ready to shop for Georgia auto insurance coverage? Enter your ZIP in our free quote tool to find the best Georgia insurance today.
Frequently Asked Questions
Who has the cheapest senior car insurance in Georgia?
State Farm has the cheapest minimum insurance on average, with rates starting at $42/mo.
Which insurance company is best for senior citizens?
State Farm is the best company for senior drivers in Georgia.
Is AARP car insurance cheaper than Allstate?
AARP car insurance from The Hartford in Georgia is more expensive on average than Allstate insurance. Learn more about AARP insurance in our article, which reviews the AARP auto insurance program from The Hartford.
At what age is car insurance cheapest?
Drivers in their 60s often have the cheapest car insurance rates.
What age is car insurance most expensive?
Drivers under 20 years of age have the most expensive car insurance rates.
What is the best car insurance for old cars?
Old cars that are considered classic should have classic car insurance (Read More: Best Auto Insurance Companies for Classic Cars). Old cars greatly depreciated in value that are not classic cars can often just carry minimum coverage.
What is the average cost of auto insurance in Georgia?
Minimum coverage is an average of $48/mo in Georgia. However, you may be able to get cheaper rates by shopping around. Enter your ZIP in our free quote tool to find affordable Georgia insurance today.
Does credit score affect car insurance in Georgia?
Yes, drivers’ credit scores will affect car insurance rates at most companies in Georgia.
Why is auto insurance so high in Georgia?
Georgia auto insurance rates may be higher in some areas due to traffic accidents, uninsured drivers, and other important factors (Learn More: Factors That Affect Auto Insurance Rates).
What is considered full coverage auto insurance in Georgia?
Full coverage insurance in Georgia is the state minimum insurance bundled with collision and comprehensive coverage.
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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.
