State Farm cuts auto rates in Georgia
Michael Brown ; 2025-11-22 20:29:05
Fraud crackdown and tort reforms drive declining auto rates in the region
Motor & Fleet
By Insurance Business
Nov 21, 2025Share
State Farm has received approval for another personal auto rate reduction in Georgia - this time by 3%.
The Office of the Commissioner of Insurance and Safety Fire confirmed that State Farm Mutual Automobile Insurance Co.’s latest filing brings the company’s average auto rate decrease in the state to 10% over the past year.
State Farm Fire and Casualty Co. also received approval for a 1.5% personal auto rate cut, according to Best’s State Rate Filings. Together, these reductions are expected to ease costs for more than 2.12 million Georgia drivers.
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Since December 2024, State Farm estimates that lower rates have saved policyholders roughly $400 million annually - about $190 per insured vehicle.
Impact of reforms and lower claims
Insurance and Safety Fire Commissioner John King said the lowering rates are due to the state’s aggressive fraud prevention efforts and sweeping tort reforms signed into law in April.
The reforms introduced tighter rules on third‑party litigation funding, capped attorney fee recoveries, and modernized standards for medical billing and negligent security liability. "I promised on day one that I would not only fight for Georgia families to have coverage options, but affordable options at that," he said.
King added that the state's work has led to a more balanced and sustainable insurance environment. "We're going to continue fighting to position Georgia as a national leader in affordable coverage, marketplace stability and strong protections for families,” he said.
In a statement, State Farm senior vice president Allyson Watts attributed less costly physical damage claims for the lower rates in Georgia. "We are pleased to help our customers save money by offering increasingly competitive rates, combined with the personalized attention of our local agents and first-rate customer service," she said.
State Farm Group remains Georgia’s largest private passenger auto insurer, commanding a 24.8% market share in 2024, ahead of Progressive, Allstate, Berkshire Hathaway, and USAA.
State Farm is one of the top 10 largest insurance companies in Georgia. Read this guide to help insurance brokers review all providers and find the best options for clients statewide.
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