- The average cost of car insurance in Georgia is $2,503 a year or $209 per month, based on our data analysis.
- Minimum liability coverage in Georgia costs around $982 annually for limits of 25/50/25, while liability-only coverage costs $1,094 per year for limits of 50/100/50.
- Progressive provides the most affordable annual rates for full coverage car insurance in Georgia, costing $1,807 per year.
- In Georgia, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 33%, a DUI raising rates by 84%, and an at-fault accident by up to 73%.
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. Progressive offers the cheapest annual rates for full coverage car insurance in Georgia at $1,807 annually.
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 auto insurance in Georgia works and how much insurance you need.
How much is car insurance in Georgia?
CarInsurance.com data found that drivers in Georgia pay $209 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Georgia based on driver profile:
- Teen drivers in Georgia pay the most — about $910 a month or $10,914 a year.
- Young drivers in their 20s pay an average of $366 monthly or $4,389 annually, for car insurance.
- Senior drivers pay around $230 monthly or $2,760 a year.
- A speeding ticket can increase your rates to $277 monthly or $3,330 annually.
- An at-fault accident increases car insurance rates to $361 a month or $4,331 a year.
- Poor credit drivers usually see their car insurance costs increase to $377 monthly or $4,529 annually.
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 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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $82 | $982 |
| Liability Only – 50/100/50 BI/PD | $91 | $1,094 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $209 | $2,503 |
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 $982 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 $1,094 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Georgia
The average annual premium in Georgia is $2,503 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.
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)
Speak with a friendly agent and get your quote in minutes!
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 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 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 $2,465 annually.
Georgia drivers aged 16-19 pay $8,449 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 $10,914 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $4,172 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,465 per year in Georgia.
- For senior drivers: Drivers age 65 and older can expect to pay $2,760 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 84% as insurers perceive you as a high-risk driver.
If you get caught speeding in Georgia, your car insurance rates will increase by 33% 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 33% increase
- DUI conviction: 84% increase
- At-fault accident (bodily injury and property damage): 73% 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, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
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
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.
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 |
|---|---|---|---|
| Progressive | $919 | $1,041 | $1,807 |
| GEICO | $618 | $821 | $2,227 |
| Auto-Owners | $700 | $806 | $2,231 |
| Allstate | $1,092 | $979 | $2,271 |
| Mercury Insurance | $1,414 | $1,706 | $3,467 |
| Safeway Insurance | $1,918 | $1,919 | $4,119 |
| USAA | $586 | $664 | $1,716 |
Car insurance rates by city in Georgia
Atlanta is the most expensive city in Georgia, with an average car insurance rate of $2,908 a year. Columbus is the cheapest city for Georgia drivers at an average rate of $2,575 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.
Below, you’ll see the average annual car insurance cost of major cities in Georgia.
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 $209 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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $82 |
| Liability Only – 50/100/50 BI/PD | $91 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $209 |
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.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Georgia.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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