Average Cost of Car Insurance in Georgia

According to a 2020 study by the National Association of Insurance Commissioners, the Peach State ranked eighth as the most expensive car insurance state.¹ Georgia drivers pay on average $1,255 annually for full coverage and $829 yearly for liability coverage.

By City

It’s no surprise that drivers residing in the capital city of Atlanta pay more than in other Georgia cities. To give you an idea about the average cost of car insurance based on where you reside, here are seven cities scattered across the state.

By Age

Georgia allows insurance companies to consider a driver’s age when writing policies.

By Gender

Auto insurers can consider a person’s gender when writing policies. On average, statistics show that men pay more for car insurance, but for Georgia residents, the average annual cost of car insurance for men and women is closer than in some states.

By Marital Status

Married drivers in Georgia save around $117 on their annual car insurance premium.

By Coverage Level

While Georgia requires only liability insurance, many drivers choose full coverage so they can be prepared for any accident.

By Violation

Maintaining a clean driving record means saving on your car insurance premium. The more accidents, DUIs, or tickets on your record, the more likely insurers will label you a high-risk driver and charge you more.

By Credit Score

Georgia permits car insurance companies to consider a driver’s credit score when issuing policies. Drivers with a higher credit score snag better insurance rates because insurers label those motorists as lower risk.

By Company

Companies that sell car insurance in Georgia use similar criteria for issuing policies but might consider additional factors too.

By Car

To issue you the right insurance policy, car insurance companies consider the make and model of your vehicle. Luxury cars and electric vehicles, which can be more expensive to repair, could trigger higher rates than vehicles that cost less to fix after an accident.

Auto insurance companies consider many factors when writing policies, so the average cost for married drivers, teen drivers, drivers with bad credit, and drivers with traffic tickets will vary. Get rates from several companies to give you a better idea as to premium costs. Below are some of the cheapest insurance companies in Georgia.

No one likes to pay more for car insurance than they need to, so check out these suggestions for how to save on premiums.

1. Have a higher deductible for collision and/or comprehensive coverage. While this means you might pay more of the cost after an accident, your premium will be lower.
2. Take advantage of discounts. Each insurer offers its customers auto insurance discounts for various factors, such as for being a good student, insuring more than one vehicle, and staying claims-free for a particular time period.
3. Switch to pay-per-mile coverage. With usage-based insurance, the fewer miles you drive, the less you’ll pay. Insurance companies also consider your driving habits to craft your premium.
4. Bundle your policies. Many auto insurers offer additional insurance services, such as homeowners, renters, boat, RV, and umbrella policies. By adding another policy to your auto insurance, you’ll save on both premiums.

Georgia requires all drivers to have liability insurance. These are the minimum auto insurance requirements:

• Bodily injury liability: $25,000 per person, $50,000 per accident
• Property damage liability: $25,000 per accident

Georgia is an at-fault state, which means the party at fault must pay for any property damage or injury claims related to the car accident. For negligence, Georgia is a modified comparative state, which means the plaintiff is unable to recover losses if they share fault equally or are found more responsible for injuries or damages than the defendant.²

Georgia mandates drivers submit an SR-22 if their license has been revoked or they have been labeled a habitual violator. The state requires these drivers to use an SR-22 for up to five years.

Those who live in the Peach State have many options when it comes to auto insurance. Because Georgia is an at-fault state, you should have more than the minimum amount of car insurance for you and your vehicles. AutoInsurance.com can help connect you with insurance providers ready to assist you in finding the best car insurance in Georgia for your vehicles.

AutoInsurance.com has been connecting drivers with top auto insurance providers for more than 20 years. By doing so, we have accumulated proprietary data from auto insurance providers and customers alike. When writing our guides, we take a close look at the information, plus specific data about the state’s minimum coverage requirements, fault systems, and other auto insurance-related facts. This provides us with the ability to bring you an overview of the cost of auto insurance in this state.