Estimating the cost of car insurance in Georgia depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
CarInsurance.com’s auto insurance rate calculator uses your basic details to estimate car insurance costs in Georgia for three different coverage levels: Full coverage, liability only (limits of 50/100/50) and state minimum coverage. Use the calculator below to find your average insurance rates.
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Georgia.
- The average annual cost of a full coverage policy in Georgia with liability limits of 100/300/100 is $1,970 or $164 per month.
- Minimum liability coverage in Georgia costs around $577 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Georgia: How to get auto insurance estimates
CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.
Because each insurer uses its own rating system, they weigh factors like age and driving history differently. If you get a ticket, one insurer may increase your premium by 5%, while another could raise it by 20%.
What factors affect car insurance estimates in Georgia?
The biggest variation in insurance estimates from state to state depends on the state law. Tort insurance law varies from no-fault insurance law. Tort insurance law operates on the principle that the person responsible for causing an accident is liable for the damages. This often leads to litigation to determine fault and the extent of damage.
On the contrary, no-fault insurance laws, adopted in several U.S. states, simplify this process by mandating each party’s insurance company to cover their clients’ bodily injury losses, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Georgia by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,954 |
| Electric | $3,112 |
| Hatchback | $2,337 |
| Hybrid | $2,781 |
| Luxury Car | $3,511 |
| Luxury SUV | $3,019 |
| Minivan | $2,254 |
| Performance SUV | $3,328 |
| Sedan | $2,531 |
| Sports Car | $3,497 |
| Station Wagon | $2,703 |
| SUV | $2,285 |
| Truck | $2,539 |
| Van | $2,136 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Find out your estimated car insurance rates in Georgia by using the calculator below based on your vehicle’s make and model.
Insurance rates by car model
Georgia car insurance estimates for used cars
Car insurance estimates for used cars in Georgia are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in Georgia.
Use the calculator below to determine your car insurance rates for used cars in Georgia, depending on your vehicle’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: How to estimate car insurance rates before buying a car in Georgia
How much auto insurance do I need in Georgia?
How much car insurance you need depends on several factors, including financial circumstances, the car’s value and your risk tolerance. If your vehicle is leased or financed, the lender will likely require you to secure comprehensive and collision coverage, commonly known as full coverage, when combined with liability.
Every state has different minimum car insurance coverage requirements. But the minimum requirements usually don’t provide enough protection if you’re involved in an accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in Georgia per month?
The monthly cost of full coverage car insurance in Georgia, including collision, comprehensive, and 100/300/100 liability, is $164. For state minimum liability, it’s $48 per month, while liability coverage with 50/100/50 limits costs $66 monthly.
Does your age impact how much you pay for insurance in Georgia?
Young drivers in Georgia typically face higher car insurance rates due to their limited driving experience and a higher likelihood of being involved in accidents. Insurance companies factor this increased risk into their premium calculations, leading to higher costs for younger drivers.
In addition, young drivers are more prone to risky behaviors like speeding and distracted driving, which further raises the cost of their car insurance.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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