Car insurance costs in Georgia vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Auto-Owners offers the cheapest annual rates for full coverage car insurance in Georgia at $1,529 annually.
This guide makes buying car insurance in Georgia easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how car insurance works in Georgia and how much you need.
- The average cost of car insurance in Georgia is $1,970 a year or $164 per month, based on our data analysis.
- 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.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in Georgia, costing $1,529 per year.
- 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 give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Georgia based on driver profile:
- Teen drivers in Georgia pay the most — about $533 a month or $6,397 a year.
- Young drivers in their 20s pay an average of $274 monthly or $3,293 annually, for car insurance.
- Senior drivers pay around $170 monthly or $2,038 a year.
- A speeding ticket can increase your rates to $223 monthly or $2,671 annually.
- An at-fault accident increases car insurance rates to $254 a month or $3,048 a year.
- Poor credit drivers usually see their car insurance costs increase to $326 monthly or $3,915 annually.
Average cost of auto insurance in Georgia by coverage level
Car insurance costs in Georgia can differ based on the coverage limit. To legally drive, Georgia residents must adhere to the minimum liability limits of 25/50/25.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Georgia for different coverage levels.
| 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 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 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.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Georgia
In Georgia, you can expect to pay around $1,970 per year for full coverage car insurance 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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.
As a result, residents in higher-risk neighborhoods in Georgia pay more for premiums than those in lower-risk areas.
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.
Calculate car insurance rates by ZIP code in Georgia
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
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 example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much car insurance costs for your car 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.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Georgia, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $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
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.
Similarly, if you get a speeding ticket in Georgia, you’ll likely see an increase in your car insurance premium by up to 32% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company 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
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 this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
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
Drivers in Georgia can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Compare the best car insurance options in Georgia by getting quotes from different insurance companies.
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 Georgia’s most expensive city for car insurance at an average cost of $2,904 annually. Moody AFB is the state’s least expensive city, with an average car insurance rate of $1,514 annually.
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.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the 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.
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.
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.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 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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