120+ more*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Cheapest car insurance company in Georgia: Auto-Owners
Cheapest car insurance rate in Georgia: $83
Average liability-only car insurance cost in Georgia: $155/mo.
Average full-coverage car insurance cost in Georgia: $257/mo.
Georgia drivers with clean records and good to excellent credit typically find the cheapest car insurance rates. Auto-Owners, State Farm, and COUNTRY Financial have the lowest car insurance rates in Georgia for most drivers.
The following table shows average quotes in Georgia from top insurers for safe drivers with good credit profiles.
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Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $83 | $141 |
| State Farm | $89 | $151 |
| COUNTRY Financial | $90 | $153 |
| Allstate | $97 | $165 |
| Mile Auto | $98 | $158 |
| USAA | $104 | $177 |
| Progressive | $126 | $236 |
| Mercury | $139 | $221 |
| Root | $162 | $230 |
| Bristol West | $167 | $312 |
| GEICO | $168 | $298 |
| GAINSCO | $171 | $327 |
| Clearcover | $173 | $292 |
| Direct Auto | $175 | $283 |
| The General | $189 | $370 |
| AssuranceAmerica | $191 | $295 |
| National General | $198 | $287 |
| Safeco | $201 | $247 |
| Trexis One | $201 | $359 |
| Mendota | $207 | $351 |
| Nationwide | $215 | $365 |
| First Acceptance | $217 | $394 |
| Trexis | $221 | $390 |
| Liberty Mutual | $357 | $401 |
From traffic congestion around Atlanta to storm and flood damage in coastal areas like Savannah, Georgia drivers face some significant risks behind the wheel. Based on thousands of verified customer reviews and hundreds of hours analyzing insurance industry data, these are the best car insurance companies for affordability and value.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $90/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $153/mo |
Country Financial's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.2 | 2.9 |
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
Nearly one-third of Georgia drivers lease or finance their vehicles, making full-coverage necessary, and if you’re a teen, that coverage can be expensive. Fortunately, COUNTRY Financial offers some of the lowest full-coverage rates for teen drivers in Georgia. And the insurer has agents in more than 100 Georgia cities, so you can find a local agent to help.
Some of the lowest full-coverage rates for teens in Georgia
Robust list of available discounts
New car replacement coverage available
Higher rates for drivers with poor credit
No accident forgiveness available
Doesn’t offer gap insurance
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $83/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $141/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Georgia drivers who need only liability coverage will find the lowest rates with Auto-Owners. Insurify customers give Auto Owners a score of 3.9 out of 5 for its transparency around policies and terms.
Some of the lowest minimum-coverage rates in Georgia
Common loss deductible available if you bundle auto and home
More than a dozen available discounts
Reviewers give it just 4.0 out of 5 points for claims handling
Below-average J.D. Power customer satisfaction rating
Must contact an agent for a quote (no online quoting)
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $151/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm is the largest auto insurer in Georgia, and it offers some of the lowest premiums for both full coverage and liability-only coverage. Customer reviewers rate it 3.7 out of 5 for value as well. Customers particularly appreciate State Farm’s coverage options (4.1 out of 5) and claims handling (4.1 out of 5).
Some of the lowest rates in Georgia, especially for good drivers
Above-average J.D. Power customer satisfaction score in the Southeast
Rideshare, rental reimbursement, and travel expenses coverage available
Doesn’t offer gap insurance
Significantly higher rates for drivers with average or lower credit
No accident forgiveness available
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $104/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $177/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Georgia is home to more than 601,000 veterans and 13 military installations. USAA is an affordable insurer focused on the military and has a strong reputation for customer service. Insurify customers rate it 4.9 out of 5 for customer service and 4.9 out of 5 for claims handling.
Strong customer service and claims handling
Online quoting available
Other financial products and member perks available
Available only to active-duty military, veterans, and certain family members
No 24/7 customer service line
Fewer discounts compared to other insurers
To help Georgia drivers find affordable coverage that works for them, we compiled thousands of insurance company reviews from verified customers. We’ve also put in hundreds of hours analyzing industry rating organizations like AM Best and J.D. Power to create our proprietary Insurify Quality Score.
On average, Georgians pay $1,857 per year for liability-only policies and $3,082 annually for full coverage, Insurify data shows. That’s significantly more than the national averages of $1,163 per year for minimum coverage and $2,196 for full coverage.
Multiple factors play into Georgia’s higher car insurance costs, including:
Risk of vehicle damage from severe weather: In 2024, Georgians filed approximately 16,800 vehicle claims due to flooding from Hurricane Helene. Georgia also faces risks of hail and flash flooding, and the state averages 25–40 tornadoes per year.
Traffic congestion in urban areas: Georgia has multiple cities with heavy traffic, including Atlanta, which ranks as the 16th-worst city in the world for traffic.[1] Traffic congestion increases accident risks.
Accident rates: Georgia has the fourth-highest number of traffic fatalities in the U.S.[2] But its fatality rates are comparatively low, at 1.28 per 100 million vehicle miles traveled.
Distracted driving, low seat belt use, and other risky driving behaviors: In 2023, more than half of all accidents in Georgia involved distracted driving. And approximately 12% of Georgia drivers and front-seat passengers don’t regularly use their seat belts.
Your individual factors will also affect your car insurance premiums. Insurers consider your driving record, age, gender, credit, and more when setting rates.
Comparing rates through Insurify could save you up to 50%
Many car insurance rating factors — traffic congestion, population density, and vehicle theft rates — hinge on location. Where you live in Georgia can affect how easily you can find cheap car insurance, or whether you’ll end up paying higher rates than people in other parts of the state.
Here’s a look at average monthly car insurance costs for cities in Georgia.
City | Liability-Only Average | Full-Coverage Average |
|---|---|---|
| Acworth | $161 | $244 |
| Adairsville | $131 | $189 |
| Albany | $132 | $240 |
| Alpharetta | $168 | $240 |
| Americus | $109 | $226 |
| Athens | $131 | $213 |
| Atlanta | $225 | $330 |
| Auburn | $194 | $261 |
| Augusta | $148 | $229 |
| Austell | $221 | $326 |
| Barnesville | $135 | $248 |
| Baxley | $97 | $192 |
| Bethlehem | $167 | $285 |
| Blackshear | $109 | $174 |
| Braselton | $164 | $228 |
| Bremen | $152 | $273 |
| Brunswick | $118 | $191 |
| Buford | $181 | $254 |
| Byron | $137 | $224 |
| Calhoun | $122 | $208 |
| Canton | $147 | $213 |
| Carrollton | $156 | $229 |
| Cartersville | $151 | $233 |
| Cedartown | $133 | $208 |
| Chatsworth | $107 | $171 |
| Chickamauga | $111 | $185 |
| Clarkston | $279 | $372 |
| Cleveland | $129 | $191 |
| Columbus | $141 | $228 |
| Commerce | $142 | $223 |
| Conley | $212 | $361 |
| Conyers | $211 | $319 |
| Cordele | $121 | $200 |
| Covington | $221 | $315 |
| Cumming | $151 | $233 |
| Dacula | $184 | $275 |
| Dahlonega | $134 | $209 |
| Dallas | $189 | $269 |
| Dalton | $109 | $179 |
| Dawsonville | $135 | $217 |
| Decatur | $264 | $375 |
| Douglas | $111 | $183 |
| Douglasville | $198 | $306 |
| Dublin | $127 | $228 |
| Duluth | $203 | $290 |
| Eastman | $108 | $181 |
| Eatonton | $124 | $209 |
| Elberton | $100 | $197 |
| Ellenwood | $234 | $350 |
| Ellijay | $116 | $173 |
| Evans | $141 | $215 |
| Fairburn | $215 | $332 |
| Fayetteville | $177 | $264 |
| Flowery Branch | $139 | $264 |
| Forest Park | $177 | $264 |
| Fort Valley | $177 | $264 |
| Franklin | $177 | $264 |
| Gainesville | $148 | $225 |
| Grayson | $202 | $269 |
| Griffin | $173 | $265 |
| Grovetown | $138 | $218 |
| Guyton | $136 | $221 |
| Hampton | $210 | $314 |
| Hartwell | $100 | $175 |
| Hephzibah | $142 | $233 |
| Hinesville | $135 | $232 |
| Hiram | $184 | $258 |
| Hoschton | $141 | $228 |
| Hull | $139 | $252 |
| Jackson | $155 | $267 |
| Jasper | $131 | $221 |
| Jefferson | $141 | $215 |
| Jesup | $113 | $198 |
| Jonesboro | $222 | $337 |
| Kennesaw | $166 | $255 |
| Kingsland | $118 | $180 |
| La Fayette | $108 | $152 |
| Lagrange | $135 | $226 |
| Lawrenceville | $200 | $286 |
| Leesburg | $126 | $226 |
| Lilburn | $206 | $292 |
| Lithia Springs | $198 | $299 |
| Lithonia | $265 | $383 |
| Locust Grove | $184 | $281 |
| Loganville | $202 | $292 |
| Lula | $146 | $200 |
| Mableton | $195 | $301 |
| Macon | $191 | $279 |
| Marietta | $190 | $267 |
| Mcdonough | $197 | $300 |
| Milledgeville | $138 | $249 |
| Monroe | $165 | $259 |
| Montezuma | $112 | $268 |
| Morrow | $226 | $331 |
| Moultrie | $116 | $185 |
| Newnan | $158 | $233 |
| Norcross | $210 | $302 |
| Oxford | $198 | $283 |
| Peachtree City | $142 | $217 |
| Peachtree Corners | $192 | $281 |
| Perry | $123 | $202 |
| Pooler | $156 | $247 |
| Port Wentworth | $157 | $280 |
| Powder Springs | $205 | $304 |
| Rex | $224 | $327 |
| Richmond Hill | $139 | $221 |
| Rincon | $144 | $221 |
| Ringgold | $113 | $182 |
| Riverdale | $240 | $357 |
| Rockmart | $144 | $239 |
| Rome | $141 | $212 |
| Rossville | $114 | $173 |
| Roswell | $171 | $246 |
| Savannah | $175 | $275 |
| Sharpsburg | $144 | $221 |
| Smyrna | $183 | $283 |
| Snellville | $207 | $321 |
| Statesboro | $127 | $236 |
| Stockbridge | $209 | $316 |
| Stone Mountain | $265 | $367 |
| Summerville | $116 | $185 |
| Suwanee | $198 | $280 |
| Sylvania | $117 | $194 |
| Tallapoosa | $130 | $223 |
| Temple | $160 | $264 |
| Thomaston | $136 | $231 |
| Thomasville | $117 | $201 |
| Thomson | $123 | $215 |
| Tifton | $114 | $189 |
| Toccoa | $108 | $202 |
| Tucker | $212 | $261 |
| Tunnel Hill | $110 | $200 |
| Union City | $230 | $351 |
| Valdosta | $111 | $178 |
| Villa Rica | $172 | $255 |
| Warner-Robins | $154 | $230 |
| Waycross | $109 | $183 |
| Waynesboro | $154 | $230 |
| Winder | $154 | $244 |
| Woodstock | $168 | $233 |
The most expensive areas for Georgia car insurance tend to be in or near large cities. For example, Lithonia has some of the highest rates for full coverage. It’s a small suburb of Atlanta that’s home to some affluent neighborhoods, where vehicles are likely to be newer.[3]
The following graph shows full-coverage car insurance monthly premiums in the five costliest cities in Georgia.
Category | Price |
|---|---|
| Conley | $361 |
| Stone Mountain | $367 |
| Clarkston | $372 |
| Decatur | $375 |
| Lithonia | $383 |
Location is just one factor insurers consider when setting rates. They also look at your driving record, the vehicle, your age and gender, and more. Each insurance company has its own formula for weighing these factors, so you may find significantly different rates from multiple insurers.
Here’s how to compare quotes to find the cheapest Georgia car insurance that’s right for your needs:
If you lease or finance your vehicle, you’ll need full coverage that includes comprehensive, collision coverage, and liability. You’ll need to choose coverage limits and deductible amounts too.
You’ll need driver’s license numbers, birth dates, and driving records for every driver in your household that you want to cover.
Providing your VIN can help ensure you get the most accurate quotes that include discounts for vehicle safety features.
Comparison platforms like Insurify, which is licensed to sell insurance in all 50 states and Washington, D.C., can help you get accurate quotes much faster than if you tried to gather them on your own.
Whether you buy your new policy online or with the help of an agent, you need to ensure it’s fully active before you cancel your old one. A lapse in coverage can make it difficult to get car insurance at good rates in the future.
Georgia requires all drivers to have at least a minimum amount of liability insurance. Here are the state’s required minimum coverages:
Coverage | Minimum Limit | Required? |
|---|---|---|
| Bodily injury per person | $25,000 | Required |
| Bodily injury per accident | $50,000 | Required |
| Property damage liability | $25,000 | Required |
| Medical payments coverage | $2,000 | Optional. Insurers must include it in all policies, but you can opt out. |
| Uninsured motorist coverage | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage | Optional. Insurers must include it in all policies, but you can opt out. |
Georgia’s minimum liability requirements are on par with most other states. And while Georgia requires insurers to include medical payments and uninsured motorist coverages in every policy, you can reject the coverages by notifying your insurer in writing.
Medical payments coverage helps pay for your medical expenses. Uninsured motorist coverage can help pay for your injuries and property damage if you get in an accident with someone who doesn’t have insurance.
Comparing quotes from multiple insurers is the best way to ensure you find the cheapest quotes available to you. But you can also take steps to improve your chances of qualifying for lower rates, including:
Improve your credit. The average credit score in Georgia is 695, which falls into the range of “good.”[4] If yours is average or lower, improving it could help you find lower car insurance rates. Insurers don’t look at your credit score, but they use the information in your credit file to generate a proprietary credit-based insurance score. Generally, the better your credit score is, the higher your credit-based insurance score will be.
Avoid distracted driving. In 2024, Georgia had more than 57,000 drivers convicted of distracted driving.[5] Driving history significantly affects your car insurance costs. Getting a ticket for distracted driving can push your rates up when your policy renews.
Choose a safe vehicle. The Honda Accord and Toyota Camry are the two most popular vehicles in Georgia, according to Insurify data. They’re also good choices for lower car insurance rates due to their safety ratings and relatively low repair costs. Before buying a vehicle, be sure to consider how much it will cost to insure.
Rates start as low as $83/mo. for liability coverage
If you’re looking for more specific information about car insurance in Georgia, check out our extensive library of information. We cover everything from how to find cheap insurance after an at-fault accident to what coverage will pay for vehicle vandalism.
Best car insurance for college students in Georgia
Car insurance for high-risk drivers in Georgia
Cheap SR-22 insurance in Georgia
Cheap full-coverage car insurance in Georgia
Cheapest liability car insurance in Georgia
Rideshare insurance in Georgia
Temporary car insurance in Georgia
Non-owner car insurance in Georgia
Average car insurance cost in Georgia
Car insurance requirements in Georgia
Car insurance discounts for Georgia drivers
Cheapest car insurance for low-income drivers in Georgia
Why is car insurance so expensive in Georgia?
Georgia car insurance with bad credit
In 2025, Georgia’s full-coverage car insurance costs increased by 5%, Insurify data shows. In 2024, rates increased 26% in the state, due in part to claims related to Hurricane Helene. Since 2021, Georgia’s average premium for full-coverage car insurance has risen nearly 46%.
Insurify data scientists project Georgia’s rates will rise another 1.8% ($53) by the end of 2026.
State Name | 2021-03 | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Georgia | 2,116 | 2,082 | 2,059 | 2,050 | 2,048 | 2,058 | 2,057 | 2,062 | 2,070 | 2,072 | 2,074 | 2,073 | 2,068 | 2,069 | 2,072 | 2,063 | 2,061 | 2,055 | 2,049 | 2,050 | 2,049 | 2,056 | 2,072 | 2,083 | 2,103 | 2,140 | 2,180 | 2,220 | 2,250 | 2,269 | 2,301 | 2,315 | 2,320 | 2,336 | 2,344 | 2,409 | 2,500 | 2,576 | 2,672 | 2,718 | 2,763 | 2,815 | 2,848 | 2,885 | 2,900 | 2,928 | 2,948 | 2,971 | 3,021 | 3,044 | 3,091 | 3,123 | 3,139 | 3,154 | 3,164 | 3,143 | 3,128 | 3,128 | 3,122 | 3,120 | 3,130 |
| United States | 1,569 | 1,560 | 1,557 | 1,553 | 1,555 | 1,559 | 1,559 | 1,564 | 1,567 | 1,569 | 1,570 | 1,573 | 1,580 | 1,594 | 1,604 | 1,609 | 1,614 | 1,620 | 1,627 | 1,634 | 1,642 | 1,653 | 1,667 | 1,690 | 1,721 | 1,759 | 1,803 | 1,851 | 1,888 | 1,920 | 1,958 | 1,985 | 2,007 | 2,037 | 2,077 | 2,129 | 2,195 | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
Georgia drivers face car insurance costs above the national average, so it makes sense to comparison shop for the best coverage and premiums available. Here are answers to some common questions about Georgia car insurance.
Auto-Owners has the cheapest average car insurance rates in Georgia, at $83 per month for liability-only insurance policies.
In Georgia, Progressive’s rates tend to be lower than GEICO’s. Insurify data shows Progressive’s average for full coverage is $236 per month in Georgia, and its liability average is $126. By comparison, GEICO’s average in Georgia is $298 for full coverage and $168 for liability coverage.
The average cost of car insurance in Georgia is $257 per month for full coverage and $155 for liability-only coverage.
Georgia requires all drivers to have bodily injury liability coverage of $25,000 per person and $50,000 per accident and property damage liability coverage of $25,000. The state also requires insurers to automatically include medical payments coverage and uninsured motorist coverage in all policies. But if you don’t want these last two coverages, you can opt out in writing.
Comparing quotes from multiple insurers is the best way to find affordable car insurance rates in Georgia. Drivers can also consider improving their credit (the average credit score in Georgia is good), choosing cheaper-to-insure vehicles, and adjusting their deductibles or coverage amounts.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
