Car Insurance Cost in Georgia: 2026 Rates

The Georgia state average is $142 a month for full coverage. Your number depends on your age, your driving record, and your credit score. All rates below are full coverage averages for a clean record and fair to good credit, unless noted:

• Teens (16–19): $684 a month ($8,210 a year). Adding a teen driver to a policy is the single largest rate event most families face.
• Young adults (20–25): $285 a month ($3,416 a year). Rates drop steadily through the mid-20s but stay well above the adult average.
• Adults (30–60): $161 a month ($1,933 a year). This is the baseline most drivers compare against.
• Seniors (65+): $225 a month ($2,701 a year). Rates climb after 65 regardless of a clean record.
• Speeding ticket: $196 a month ($2,350 a year) for an adult with fair to good credit. A single ticket adds 22% to the average.
• At-fault accident: $234 a month ($2,803 a year). One accident adds 45% and stays on your record for three years.
• DUI: $341 a month ($4,088 a year). A DUI more than doubles the average adult rate and limits which companies will quote you.
• Bad credit (300–579): $253 a month ($3,036 a year) for an adult with a clean record. Credit adds 57% to the fair-to-good credit average.

Select your profile below to see the average cost for drivers in the Peach State, or check out our reviews of the cheapest car insurance companies in Georgia.

GEICO charges $103 a month for full coverage in Georgia. State Farm charges $207 for the same coverage on the same profile. Minimum coverage runs from $41 at Geico to $138 at Farmers.

Every company applies its own rating formula to Georgia drivers, and those formulas produce different rates for identical coverage. Getting quotes from multiple Georgia companies is the only way to find the best rate for your specific driver profile.

A 16-year-old in Georgia pays $811 a month for full coverage. A 60-year-old pays $138. Age produces a $673 monthly spread across a driver's lifetime, more than any other single factor on this page. Rates fall steadily from 16 to 60, then reverse. An 80-year-old pays $219 a month, more than a 40-year-old pays for the same coverage. Insurers price age because claim frequency follows the same curve.

Full coverage averages $149 a month in Georgia. Minimum coverage averages $86. If your car is financed, your lender requires full coverage regardless of the cost difference. Most lenders define full coverage as 100/300/100 liability with comprehensive and collision, and a deductible of $1,000 or less, the coverage level that averages $149 a month in Georgia.

If you own your car outright, Georgia's minimum coverage of $86 covers the other driver's injuries and property damage. Georgia's minimum coverage does not pay for damage to your own vehicle. Your deductible determines where your full coverage rate lands: a $2,000 deductible averages $114 a month, a $250 deductible averages $141 a month.

Atlanta drivers pay $187 a month for full coverage. Athens drivers pay $130. Augusta sits at the state average of $142. Atlanta's higher rates reflect the city's traffic density, accident frequency, and vehicle theft concentration. Across Georgia's seven largest cities, Atlanta's $187 monthly average and Athens's $130 monthly average represent a $57 monthly difference, $684 a year.

One at-fault accident pushes a Georgia driver's full coverage average from $149 to $213 a month. A DUI in Georgia costs $316 a month on average, but that figure reflects only companies that write DUI policies. Companies that specialize in high-risk drivers charge above $316. Companies that don't write DUI policies at all are excluded from the average entirely. A not-at-fault accident does not change a Georgia driver's rate.

Violations stay on a Georgia driver's record for three years from the incident date. Full coverage rates don't adjust automatically when a violation ages off. The rate the driver was quoted when the violation was active remains in place until the driver requests new quotes.  Drivers in this situation can find specialized coverage options through high-risk car insurance companies in Georgia, whose rates are outlined in the table below.

Full coverage in Georgia averages $120 a month with excellent credit and $295 with poor credit. Georgia insurance companies use credit scores to price policies because lower scores correlate with higher claims rates.

The difference between poor and good credit in Georgia is $146 per month on full coverage, a larger rate gap than between a clean record and an at-fault accident. At minimum coverage, a Georgia driver with poor credit averages $143 a month, $23 more than the $120 a month a Georgia driver with excellent credit pays for full coverage.

Improving your credit score is a long-term strategy that can lower your premiums. Lower-income drivers may find credit improvement valuable since it directly reduces one of their largest monthly expenses.

A Tesla Model Y averages $311 a month for full coverage in Georgia. A Toyota RAV4 averages $184 a month. The RAV4 LE trim costs $222 instead. The difference between the Tesla Model Y and the Toyota RAV4 sits entirely in comprehensive and collision coverage, the portion that pays for a driver's own vehicle repair or replacement.

Electric vehicles cost more to repair because battery systems and sensors require specialized labor. Proprietary components add further repair costs. At minimum coverage, a Tesla Model Y and a Toyota RAV4 both average between $112 and $122 a month in Georgia.

Vehicle choice only affects a Georgia driver's rate when the policy includes comprehensive and collision coverage. Compare rates for other vehicles with MoneyGeek's insurance costs by vehicle breakdown before you decide on a car.

Georgia car insurance rates vary by more than $670 a month, depending on a driver's age, company, credit score, driving record, coverage level, location, and vehicle. The factors that move a Georgia rate the most are the ones drivers control: the company they choose, the coverage they select, and the credit score they bring to the quote.

Georgia car insurance costs vary more than most drivers expect. Your rate depends on your city, age, driving record and coverage level, and each factor can shift what you pay by hundreds of dollars a year.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in Georgia:

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.