Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Auto-Owners offers the most affordable car insurance at $1,529 per year.
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 learn how car insurance works in Georgia and how much 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 are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Georgia costs around $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?
According to CarInsurance.com data, drivers in Georgia pay about $164 per month 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, the cost of car insurance can vary depending on how much coverage you purchase. Georgia drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Georgia. However, they don’t offer much 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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage 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
Georgia’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in Georgia is $577 a year. However, this basic coverage only offers limited protection. Georgia drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Georgia must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Georgia
Liability-only car insurance costs $789 in Georgia for coverage limits of 50/100/50, according to CarInsurance.com data.
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
On average, premiums for full coverage car insurance in Georgia cost $1,970 per year for the 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.
Calculate the cost of car insurance in Georgia
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in Georgia have to bear greater financial burdens than those in areas with lower risks.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Georgia car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
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.
See how much you’ll pay for car insurance for your specific 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 you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Car insurance companies know teen drivers are less experienced and riskier to insure. Georgia drivers aged 30 to 60 have the lowest average auto insurance rates at $1,933 annually.
Georgia drivers aged 16-19 pay $4,464 more for insurance premiums than drivers aged 30-60.
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 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,933 per year in Georgia.
- For senior drivers: Drivers age 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Georgia can increase your premiums by up to 77% because insurers see you as a risky 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.
Find below how much your car insurance rate increases depending on 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, you can still save money by comparing insurance quotes.
Car insurance cost in Georgia for high-risk drivers
High-risk drivers in Georgia pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to 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
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Georgia
In Georgia, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Georgia by getting quotes from several insurers for comparison.
Below are the details of Georgia car insurance companies and their 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 rates vary by city in Georgia for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
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.
The table below shows the average annual car insurance premiums for Georgia’s largest 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?
In Georgia, a full coverage car insurance policy with 100/300/100 limits typically costs about $164 per month.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
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.
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