The cost of car insurance in Georgia varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Auto-Owners offers the cheapest rates at $1,529 a year for full coverage.
This comprehensive guide to buying car insurance for Georgia drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Georgia works and how much coverage you need.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in Georgia, costing $1,529 per year.
- In Georgia, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Georgia costs $577 annually for limits of 25/50/25, while liability-only coverage costs $789 per year for limits of 50/100/50.
- In Georgia, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 32%, a DUI raising rates by 77%, and an at-fault accident by up to 59%.
How much is car insurance in Georgia?
CarInsurance.com data found that drivers in Georgia pay $164 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Georgia by coverage level
In Georgia, car insurance rates can differ depending on how much coverage you choose. Drivers in Georgia are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Georgia, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Georgia for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $48 | $577 |
| Liability Only – 50/100/50 BI/PD | $66 | $789 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $164 | $1,970 |
State minimum car insurance in Georgia
In Georgia, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Georgia costs $577 a year but doesn’t provide much protection for drivers. Georgia drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Georgia must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Georgia
The average cost of liability-only insurance in Georgia is $789 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Georgia
The average annual premium in Georgia is $1,970 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
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Calculate the cost of car insurance in Georgia
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Georgia have to bear greater financial burdens than those in areas with lower risks.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Georgia Car Insurance Rates by ZIP Code
Estimate car insurance in Georgia by car model
In Georgia, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in Georgia.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Georgia
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Georgia drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,933 annually.
Drivers aged 16-19 pay $4,464 more for car insurance than Georgia drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,397 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,157 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,933 annually in Georgia.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,038 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Georgia
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Georgia, a DUI conviction often results in higher premiums and you may see an increase of up to 77% as insurers perceive you as a high-risk driver.
If you receive a speeding ticket in Georgia, be prepared for your car insurance rates to rise by up to 32% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Georgia following driving incidents:
- Speeding ticket: Up to 32% increase
- DUI conviction: 77% increase
- At-fault accident (bodily injury and property damage): 59% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Georgia for high-risk drivers
In Georgia, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $2,201 |
| USAA | $2,390 |
| Country Financial | $2,408 |
| State Farm | $2,713 |
| Allstate | $3,021 |
| Progressive | $3,028 |
| Geico | $3,465 |
| Mercury Insurance | $4,581 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Georgia
In Georgia, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Georgia by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Georgia, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Auto-Owners | $368 | $497 | $1,529 |
| Progressive | $552 | $745 | $1,656 |
| Central Insurance | $458 | $631 | $1,706 |
| Country Financial | $421 | $819 | $1,880 |
| Allstate | $686 | $837 | $2,014 |
| Geico | $471 | $754 | $2,072 |
| Mercury Insurance | $667 | $835 | $2,219 |
| State Farm | $746 | $975 | $2,344 |
| Safeway Insurance | $987 | $1,159 | $2,812 |
| USAA | $537 | $698 | $1,562 |
Car insurance rates by city in Georgia
Clarkston is the priciest city in Georgia for car insurance, costing an average of $2,904 annually. On the other hand, Moody AFB is the most affordable city, where drivers pay an average of $1,514 per year for car insurance.
Car insurance costs differ from city to city in Georgia, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Georgia’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $1,499 |
| USAA | $1,619 |
| Country Financial | $1,803 |
| Central Insurance | $1,808 |
| Progressive | $1,861 |
| Geico | $1,999 |
| Allstate | $2,142 |
| Mercury Insurance | $2,271 |
| State Farm | $2,451 |
| Safeway Insurance | $2,850 |
How much does car insurance cost in Georgia per month?
The average cost of a full-coverage car insurance policy in Georgia costs $164 monthly for coverage limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $48 |
| Liability Only – 50/100/50 BI/PD | $66 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $164 |
Final thoughts on choosing car insurance in Georgia
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Georgia.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Georgia. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Georgia