Average Cost of Car Insurance in Georgia

By Coverage Level

While Georgia requires only liability insurance, many drivers choose full coverage for more robust financial protection. Full coverage will always cost more than minimum coverage.

By Company

The rate you pay for car insurance can vary widely depending on the company, since each provider uses its own proprietary method to calculate risk and, in turn, premiums. In Georgia, USAA and Auto-Owners have the cheapest average rates. Note that USAA is only available to military-affiliated drivers.

By City

Drivers residing in Decatur and Atlanta can pay more than in other Georgia cities — both cities have average annual premiums significantly higher than the state average. Meanwhile, Augusta’s average rates are slightly below average.

By Age

Georgia allows insurance companies to consider a driver’s age when writing policies. Teens pay the most of any age group due to their inexperience, but families can save by adding them to an existing family policy. Rates tend to stabilize as drivers enter their 20s and 30s.

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 history when issuing policies. Drivers with a higher credit score snag better insurance rates because insurers label those motorists as lower risk.

Auto insurance companies consider many factors when writing policies, so the average cost for various driver profiles will vary. Always get quotes from several companies to evaluate where you can get the best deal based on your circumstances. Below are some of the cheapest insurance companies in Georgia.

*After USAA

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. Choose a higher deductible for collision and/or comprehensive coverage. Opting for a higher deductible will lower your premiums, but you’ll need to pay more out of pocket in the event of a claim.
2. Take advantage of discounts. Each insurer offers a variety of auto insurance discounts, 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 a pay-per-mile policy, which is only offered by select insurers, the fewer miles you drive, the less you’ll pay. Some companies will also consider your driving habits to price your premium.
4. Bundle your policies. Many auto insurers offer additional insurance policy types, such as homeowners, renters, boat, RV, and umbrella policies. By adding another eligible policy to your auto insurance, you’ll save on both premiums. The biggest discounts are typically for bundling home and auto.

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

Roughly 19 percent of Georgia drivers do not have insurance, so adding uninsured/underinsured coverage to your policy can help protect you financially if you get into an accident caused by an uninsured driver.¹ It’s also wise to increase your liability limits and add full coverage if you can afford it.

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. In terms of 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. Compare quotes from at least three providers to find the best car insurance in Georgia for your needs.

We analyze average premiums in Georgia for full and minimum coverage for good drivers with good credit as well as various driver profiles, including those with DUIs, at-fault accidents, speeding tickets, low credit and households with teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible