Find Your Perfect Policy: 866-843-5386

Last updated: May 13, 2024

Average Cost of Car Insurance in Georgia

How much will you pay, on average, for car insurance in Georgia?

Twitter brand
Facebook brand
Linkedin brand
Reddit brand
Envelop icon

To drive on its 257,000 lane miles, Georgia residents must have liability insurance for their vehicles. According to the National Association of Insurance Commissioner’s 2020 data, you’ll pay 20 percent higher than the national average for car insurance in Georgia. Find out how you can lower your car insurance premium in Georgia, plus more information on what could pay on average living.

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.

City Average annual car insurance premium
Alpharetta $2,368
Athens $1,282
Atlanta $2,308
Augusta $1,881
Columbus $2,032
Macon $2,123
Savannah $2,062

By Age

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

Age Average annual car insurance premium
16 $4,428
17 $4,192
18 $3,909
19 $3,692
20s $3,611
30s $2,204
40s $2,085
50s $2,544
60s $1,868
70s $2,032

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.

Gender Average annual car insurance premium
Male $1,369
Female $1,325

By Marital Status

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

Marital status Average annual car insurance premium
Divorced $1,369
Married $1,252
Single $1,369
Widowed $1,316

By Coverage Level

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

Coverage Average annual car insurance premium
Minimum coverage $548
Full coverage $1,089

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.

Driving history Average annual car insurance premium
Accident $2,906
Clean driving record $2,085
DUI $3,931
Speeding ticket $2,530

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.

Credit score Average annual car insurance premium
Poor $3,330
Average $2,229
Good $2,085
Excellent $1,550

By Company

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

Company Average annual car insurance premium
Allstate $1,672
Auto-Owners Insurance Co. $1,071
Country Financial $1,021
Esurance $1,944
GEICO $1,004
Mercury $1,067
Nationwide $1,603
Progressive $1,119
State Farm $1,679
USAA $1,269

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.

Vehicle type Average annual car insurance premium
Kia Rio LX $1,867
Chevy Bolt $2,300
Honda Accord LX $1,690
Jaguar XF SE $2,513
Land Rover Discovery S $1,828
Nissan Pathfinder S $1,825
Subaru Forester $1,408

Cheapest Car Insurance in Georgia

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.

Category Cheapest insurance company Annual premium
Male State Farm $1,313
Female USAA $1,200
Married Mile Auto $1,008
Single Clearcover $1,296
Military/veteran USAA $493
Full coverage USAA $931
Minimum coverage Auto-Owners $300
Good driving record Clearcover $516
Bad driving record Mile Auto $1,524
Excellent credit USAA $738
Good credit USAA $845
Bad credit USAA $1,627
16 Allstate $3,805
17 Allstate $3,391
18 Allstate $2,951
19 Allstate $2,759
20s Auto-Owners $861
30s Auto-Owners $309
40s Auto-Owners $314
50s Auto-Owners $307
60s Auto-Owners $340
70s Auto-Owners $996

How to Save on Car Insurance 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.


At least once per year, ask your insurance provider if there are any additional discounts you might qualify for, as insurance companies often add new discounts.

Minimum Car Insurance in Georgia

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


Because 12 percent of Georgia drivers do not have insurance, you probably should add uninsured/underinsured coverage to your policy.

Fault Law in Georgia

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. can help connect you with insurance providers ready to assist you in finding the best car insurance in Georgia for your vehicles.

Methodology 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.

Frequently Asked Questions

What is the recommended car insurance coverage in Georgia?

According to the Insurance Research Council, 12 percent of Georgia drivers are uninsured, so you should also include uninsured/underinsured motorist coverage because this extra insurance pays for your property damage and medical care if the other driver causes the accident but doesn’t have any or enough insurance. Overall, it’s best if you have full coverage insurance with at least the following liability limits:

  • Bodily injury coverage: $50,000 per person and $100,000 per accident
  • Property damage coverage: $50,000 per accident

You should also include uninsured/underinsured motorist coverage because this extra insurance pays for your property damage and medical care if the driver who causes the accident doesn’t have any or enough insurance.

Do you go to jail for no insurance in Georgia?

Yes, you can go to jail for driving without insurance in Georgia, as it’s a misdemeanor. If you’re convicted, you might face:

  • A fine between $200 and $1,000
  • Up to 12 months of jail time
  • License suspension for 60 to 90 days

How long can you drive without insurance after buying a car in Georgia?

Georgia allows new car owners a grace period of seven to 30 days to add a vehicle to their insurance policy or purchase a new policy for the vehicle.

What happens if the person at fault has no insurance in Georgia?

Since Georgia is a tort state, meaning it allows the party responsible for a car accident to be held financially liable for any damages, the person at fault would have to pay for those damages out of their own pocket. If the defendant can’t pay, Georgia law allows the plaintiff the right to sell the defendant’s property to collect the monetary award.


  1. 2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).

  2. 2010 Georgia Code TITLE 51. JUSTIA US Law. (2010).