Updated: November 14, 2024
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The average annual cost for full coverage car insurance in Georgia is $1,231. Minimum coverage costs around $602 per year.
Several factors determine your car insurance premium, including your age, the coverage level you choose, where you live, your driving record and your credit history.
GeorgiaCar InsuranceCostsWhy Trust MoneyGeek? We analyzed data and quotes from Quadrant Information Services and the Georgia Office Of Insurance and Safety Fire Commissioner to get the most precise average costs for a variety of Georgia drivers.
These rates reflect the average cost of car insurance in Georgia as of June 2024.
The average cost of full coverage car insurance in Georgia is $1,231 per year. Knowing the average cost of car insurance helps you assess if you're getting a fair quote from insurers. For additional savings, consider comparing car insurance quotes.
Below are the average costs for car insurance in Georgia. These figures show what you might pay monthly or annually for minimum or full coverage.
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,231 | $103 |
| 100/300/100 Liability Only | $796 | $66 |
| State Minimum Liability Only | $602 | $50 |
Car insurance in Georgia is more expensive, with the average annual premium for state minimum coverage at $602 or $50 per month. In contrast, the national average cost of car insurance for minimum coverage is lower at $573 per year or $48 per month.
This comparison indicates that Georgia's insurance rates are higher than many other states. Several factors influence these costs, such as the higher likelihood of auto accidents, severe weather risks and urban population density, which increase the chances of theft and vandalism. Georgia's legal system and insurance regulations also contribute to higher insurance premiums.
Car insurance premiums can vary greatly from one company to another, even within the same state. In Georgia, Auto-Owners offers the cheapest full coverage at an annual premium of $844. Progressive has the most expensive average premium at $1,676 per year. Compare car insurance quotes to discover the cheapest car insurance in Georgia and find an affordable policy that provides the protection you need.
| Auto-Owners Insurance Co | $844 | $70 |
| Country Financial | $910 | $76 |
| Allstate | $1,060 | $88 |
| GEICO | $1,324 | $110 |
| Mercury | $1,356 | $113 |
| State Farm | $1,449 | $121 |
| Progressive | $1,676 | $140 |
In Georgia, car insurance costs are also determined by the coverage level selected. Minimum coverage averages $50 per month, whereas full coverage with a $1,000 deductible is approximately $103 per month.
Although it costs more, opting for a full coverage car insurance policy is recommended due to its extensive protection against various incidents. Adding comprehensive and collision coverages will raise premiums, but selecting higher deductibles can offset some of the increased costs. Note that each comprehensive and collision coverage comes with its own deductible amount, signifying the out-of-pocket expense before insurance benefits apply.
| State Minimum Liability Only | $602 | $50 |
| 100/300/100 Liability Only | $796 | $66 |
| 300/500/300 Liability Only | $925 | $77 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $1,000 | $83 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $1,037 | $86 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,135 | $95 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,195 | $100 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,231 | $103 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $1,323 | $110 |
| 100/300/1000,000 - 500 comp_coll | $1,329 | $111 |
| 300/500/300 Full Cov. w/$1,000 Ded | $1,360 | $113 |
| 300/500/300 Full Cov. w/$500 Ded. | $1,457 | $121 |
In Georgia, the minimum car insurance requirements include $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability per accident.
$25,000 for bodily injury liability per person
This is the minimum coverage required in Georgia for each person injured in an accident you cause.
$50,000 for bodily injury liability per accident
This is the total minimum coverage for all injuries in a single accident.
$25,000 for property damage liability per accident
This is the minimum coverage for damage to another person’s property per accident.
Your location in Georgia can heavily influence your car insurance premium. Athens-Clarke is the city with the cheapest full coverage at $864 per year. Atlanta has the most expensive full coverage at around $1,282 per year.
Location influences car insurance rates with factors like accident frequency, vehicle theft rates and the likelihood of natural disasters. The number of uninsured drivers and the general cost of repairs and medical care in the area also determine insurance costs.
| Athens-Clarke | $864 | $401 |
| Atlanta | $1,282 | $621 |
| Augusta-Richmond | $920 | $441 |
| Columbus | $957 | $446 |
| Macon-Bibb | $985 | $465 |
| Sandy Springs | $1,067 | $539 |
| Savannah | $996 | $484 |
Age influences car insurance rates in Georgia. Younger drivers under 30 typically face higher premiums due to their lack of driving experience and being perceived as higher risk by insurers. However, as experience increases with age, premiums generally decrease, making car insurance more affordable for mature drivers.
| 22-29 | $1,677 | $140 |
| 30-59 | $1,231 | $103 |
| 60 + | $1,199 | $100 |
Age and gender also impact car insurance rates in Georgia, with 16-year-old male drivers facing the highest premiums. When added to a family policy, the average annual cost for a 16-year-old male is $2,813.
It's usually illegal for teenagers under 18 to buy car insurance without an adult to co-sign. If a 16-year-old male opts for an individual policy, the annual premium rockets to $6,220 per year.
The average annual cost of full coverage car insurance for a 2012 model is $961. The same coverage for a 2022 model surges to $1,177 per year. The rate increase for newer models is due to their higher actual cash value, more expensive repair costs and increased risk of theft.
Drivers of new vehicle models are advised to get comprehensive and collision coverage to protect their investment against various incidents, including accidents, natural disasters, and vandalism.
| 2012 Vehicle | $961 | $80 |
| 2022 Vehicle | $1,177 | $98 |
Your vehicle's actual cash value (ACV) is important because insurers use it as the basis for your payout in case of a comprehensive or collision claim. This amount is your car's worth at the time of the damage minus any depreciation, which determines the maximum reimbursement amount you can receive under your policy.
The average cost of car insurance in Georgia can vary depending on your driving record. Here's a look at how different violations can affect your premiums:
In Georgia, the more severe the violation, the more you'll pay for car insurance. Your premiums will remain higher as long as the violation stays on your record. The duration of the impact varies per state. For instance, a DUI in Georgia can stay on your driving record for up to 10 years, influencing your insurance costs for a long time.
Explore the table below and sort by coverage and age group to determine the average cost of insurance in Georgia for different driving records.
| Clean | $1,231 | $103 |
| Speeding 11-15 MPH > Limit | $1,572 | $131 |
| Accident $1000-$1999 Prop Dmg | $1,964 | $164 |
| DUI - BAC >= .08 | $2,188 | $182 |
Drivers in Georgia can expect to pay anywhere from $719 to $1,559 per year for car insurance, largely based on their credit score. Your credit score influences your car insurance rates, as insurers view it as a measure of reliability. A good credit score, ranging from 670 to 739, can net you more affordable premiums, whereas falling below this range can lead to higher costs.
| Excellent | $719 | $60 |
| Good | $874 | $73 |
| Fair | $1,057 | $88 |
| Below Fair | $1,286 | $107 |
| Poor | $1,559 | $130 |
Understanding car insurance rates in Georgia is important as they can vary widely based on individual circumstances. Here are key factors that impact the cost of your car insurance in the Peach State:
Driving Record: A clean driving record typically results in lower car insurance rates, while traffic violations or accidents indicate higher risk and can increase premiums.
Age and Gender: Younger drivers, especially males, may face higher rates due to statistically higher risks associated with their demographic.
Vehicle Type: The make, model and year of your vehicle influence the cost of coverage, with high-performance or luxury cars generally costing more to insure.
Credit Score: Many insurers in Georgia use credit scores to help determine the risk of insuring a driver, with higher scores often leading to more affordable premiums.
Coverage Level: Opting for more than the state minimum coverage can provide better protection but will also affect the cost of your insurance. However, you should consider the benefits of additional coverage like collision insurance and comprehensive insurance.
Location: Insurance rates can vary even within Georgia, as urban areas with higher crime rates or traffic congestion may experience higher premiums than rural areas.
Claim History: A history of claims can indicate a higher risk to insurers, potentially leading to increased rates for car insurance.
Deductible Amount: The chosen deductible amount has an inverse relationship with premiums: the higher your deductible, the lower your insurance costs may be.
By understanding these factors, you can better navigate your options and find a car insurance plan that balances affordability with adequate coverage.
To secure affordable car insurance in Georgia, compare rates, raise your deductible and leverage all applicable discounts.
Compare multiple quotes
Shopping around for the cheapest car insurance in Georgia can save you hundreds of dollars. Compare rates from several insurers to find the most affordable coverage for your needs.
Maintain a clean driving record
Drivers with no accidents or traffic violations typically qualify for lower insurance rates. Safe driving protects you and also keeps your insurance costs down.
Choose a higher deductible
Opting for a higher deductible can lower your premium. Ensure you can afford the deductible in case of an accident.
Bundle insurance policies
Bundling auto with other insurance policies, like homeowners or renters, can lead to discounts. Insurers often reward customers with multiple policies through reduced rates.
Take advantage of discounts
Insurers offer various discounts such as for being a good student, driving a safe vehicle or having anti-theft devices. Ask about all available discounts to lower your costs.
Drive a car with lower insurance costs
The type of vehicle you drive affects your insurance rates. Choose a car that's cheaper to insure by considering factors like safety ratings and theft rates.
Increase your credit score
In Georgia, a good credit score can lead to better insurance rates. Work on improving your credit by paying bills on time and reducing debt.
Our answers to frequently asked questions about the average cost of car insurance in Georgia aim to clarify factors affecting costs to help you find a policy that balances cost with the level of protection you seek.
The minimum car insurance requirements in Georgia require drivers to carry $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability per accident.
In Georgia, the average annual cost for full coverage auto insurance with a $1,000 deductible is $1,231 or about $103 per month. For minimum coverage, the annual price is generally lower at $602 or around $50 each month.
The average cost of car insurance for a 22-year-old in Georgia varies by coverage level. For 100/300/100 full coverage with a $1,000 deductible, the average annual premium is $1,677 or $140 per month. Opting for 100/300/100 liability only reduces the cost to an annual $1,039 or $87 per month. Choosing state minimum coverage further lowers the average cost to $771 per year or $64 per month.
The two cheapest car insurance companies in Georgia for minimum coverage are Auto-Owners and Country Financial. Their policies cost around $365 and $440 per year, respectively.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
