- 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%.
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 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 get a clear idea of how car insurance in Georgia works and how much coverage you need.
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.
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
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 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.
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 laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Georgia, you can get state minimum car insurance for $577 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Georgia must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Georgia
According to CarInsurance.com data, liability-only car insurance costs $789 in Georgia for limits 50/100/50.
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.
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.
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.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
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 ( Full - 100/300/100)
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Estimate car insurance in Georgia by car model
Car insurers in Georgia use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or 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.
Car insurance for drivers aged 16-19 costs $4,464 more annually than Georgia 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
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 get caught speeding in Georgia, your car insurance rates will increase by 32% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
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
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.
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.
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 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 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.
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.
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
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.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
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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