Finding cheap car insurance in GA with low down payment is achievable with some research. Qualified Georgia drivers can secure coverage from $39/month with a $20 down payment. Compare quotes online in under 5 minutes to save up to 40%. Start with no-down-payment insurance options today.
Georgia’s 6.975 million licensed drivers pay an average of $1,232/year for car insurance, below the national average of $1,503. Costs vary by location:
City | Average Annual Premium |
---|---|
Atlanta | $1,616 |
Valdosta | $1,120 |
Statewide | $1,232 |
Save by comparing rates at Atlanta insurance quotes.
Georgia mandates liability insurance to cover damages if you cause an accident. Minimum limits are:
Minimum coverage may not cover all costs in severe accidents. Explore liability insurance details for more.
While only liability is required, additional coverage offers peace of mind:
Rates for collision/comprehensive start at $59/month with a $20 deposit. Customize with higher deductibles to lower premiums. Learn more at full coverage insurance plans.
Drivers with older, less expensive vehicles, good credit (600+), and clean records are more likely to qualify for low or no down payment policies. You may not qualify if you:
Check eligibility with SR-22 insurance solutions.
Based on quotes from 100+ Georgia cities, these insurers offer the cheapest rates with low/no down payments:
Progressive and USAA also provide no-down-payment plans. Compare them at top insurance providers.
Georgia allows no-down-payment policies, requiring only the first month’s premium upfront. Payment plans include:
Explore flexible plans at month-to-month insurance options.
Instructional Permit (Age 15+): Requires a knowledge/vision exam and a licensed driver (21+) as a supervisor. Valid for 2 years.
Class D Provisional License (Age 16+): Requires 40 hours of training, a DDS-approved driver education program, ADAP, school attendance proof, a road exam, and a $10 fee. Restrictions:
Class C License (Age 18+): Requires vision (20/60 acuity, 140° peripheral), knowledge (15/20 score), and road skills tests (75+ score). Fees: $20 (5 years) or $32 (8 years).
Learn safe driving at teen driving tips.
Georgia’s BAC limit is 0.08%. DUI convictions raise premiums and may prevent low-down-payment eligibility:
Manage high-risk coverage at high-risk insurance options.
Georgia bans all cellphone use while driving, including texting. Violations increase premiums. Stay safe with safe driving practices.
Lower premiums with discounts like:
Maximize savings at insurance discount opportunities.
Cheap car insurance in GA with low down payment is possible for safe drivers with good credit and older vehicles. Compare quotes from Progressive, GEICO, and others to find rates as low as $39/month with a $20 deposit. Enter your zip code to start saving today.
Georgia requires $25,000/$50,000 bodily injury liability and $25,000 property damage per incident.
Rates start at $39/month with a $20 down payment for qualified drivers, averaging $1,232/year statewide.
Drivers with older cars, good credit (600+), and clean records are most likely to qualify.
Compare 5+ quotes, leverage discounts, choose higher deductibles, and opt for no-down-payment plans.