Average Car Insurance Cost in Georgia (2025)
Drivers in Georgia pay an average of $200 per month for car insurance.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Georgia residents pay an average of $155 per month for liability insurance and $245 for full coverage, according to Insurify data. For comparison, U.S. drivers pay $105 per month for liability and $197 for full coverage, on average. Georgia drivers may pay more than the national average partially due to the high percentage of uninsured drivers in the state.[1]
Average premiums in Georgia have continued to increase the past two years. But you can still find affordable insurance in the Peach State by comparing quotes.
Here’s what you should know about car insurance in Georgia, including what factors affect average costs.
Quick Facts
Auto-Owners, State Farm, and COUNTRY Financial are a few of the cheapest car insurance companies in Georgia.
By city, Atlanta drivers pay the highest average auto insurance premiums in Georgia, and Dalton residents pay the lowest average premiums.
Liability quotes in Georgia start as low as $59 per month.
How much is car insurance in Georgia?
In Georgia, average car insurance costs are $155 per month for liability-only coverage and $245 per month for full coverage.
Factors like your ZIP code, driving history, gender, credit history, and discounts affect your specific insurance premium.
How Georgia car insurance rates have changed over the past two years
See More
To find car insurance rates in Georgia and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Georgia rose to more than $2,800 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Georgia.
See how Georgia car insurance prices have changed over the past two years below.
Average Georgia Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Georgia car insurance rates by city
Car insurance quotes in Georgia vary by city and ZIP code. Local factors like weather conditions, traffic congestion, and crime rates all affect rates. For example, average monthly premiums for Atlanta drivers are $226 for liability-only insurance. But drivers in a smaller city like Albany pay an average of $136 per month for the same coverage.
Compare the average rate for car insurance for various cities in Georgia in the table below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Dalton | $104 | $163 |
| Valdosta | $116 | $180 |
| Athens | $134 | $199 |
| Albany | $136 | $218 |
| Gainesville | $141 | $212 |
| Augusta | $146 | $231 |
| Columbus | $147 | $235 |
| Warner Robins | $152 | $224 |
| Woodstock | $163 | $232 |
| Alpharetta | $176 | $255 |
| Savannah | $176 | $263 |
| Dallas | $177 | $253 |
| Marietta | $185 | $254 |
| Lawrenceville | $186 | $269 |
| Macon | $197 | $306 |
| Atlanta | $226 | $302 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average Georgia car insurance rates by age and gender
Age and gender influence car insurance premiums in Georgia. Due to limited experience behind the wheel, teenagers and young drivers in the state usually face higher car insurance costs. Additionally, young males tend to pay more for auto insurance due to their greater risk of accidents.
The good news is average rates begin to decrease with age for drivers older than 25. Here’s a look at the average car insurance premiums in Georgia by age and gender.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $359 | $569 |
| 18 | $312 | $495 |
| 20 | $206 | $325 |
| 25 | $181 | $285 |
| 30 | $155 | $245 |
| 40 | $139 | $219 |
| 50 | $125 | $198 |
| 60 | $122 | $193 |
| 70+ | $138 | $218 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $345 | $547 |
| 18 | $300 | $475 |
| 20 | $198 | $313 |
| 25 | $173 | $274 |
| 30 | $149 | $235 |
| 40 | $133 | $211 |
| 50 | $121 | $190 |
| 60 | $118 | $185 |
| 70+ | $132 | $210 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost to insure popular vehicles in Georgia
The most popular vehicles in the Peach State are the Ford F-Series, Chevrolet Silverado, Toyota RAV4, Tesla Model Y, and Toyota Camry.
The F-Series and Silverado are solid vehicles for drivers who want high-performing trucks that can handle Georgia’s highways and country roads. The third-most-popular vehicle in the state, the RAV4 is a safe, fuel-efficient SUV. Georgia residents who want an electric vehicle may purchase the Model Y, whereas drivers who prefer a spacious, affordable sedan may like the Camry.
See the average monthly costs of car insurance for these vehicles in Georgia below.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $235 |
| Chevrolet Silverado | $249 |
| Toyota RAV4 | $230 |
| Tesla Model Y | $413 |
| Toyota Camry | $277 |
How your driving record affects car insurance rates in Georgia
Car insurance companies look at your driving record to gauge the level of risk you pose on the road. A clean driving record indicates less risk and leads to lower premiums. But if your record shows traffic violations — such as speeding tickets, at-fault accidents, or DUI convictions — you’ll likely face more expensive coverage. To find affordable auto insurance, be sure to drive safely and adhere to all road rules.
Below, you can compare average quotes for a sample Georgia driver profile with an incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $291 | 47% |
| With speeding ticket | $274 | 38% |
| With DUI | $330 | 67% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Georgia permits your car insurance company to look at your credit history when determining your premiums. Research shows that drivers with excellent or good credit are less likely to file claims.[2] As a result, you can typically pay less for car insurance if you have a strong credit history.
The table below shows average monthly car insurance rates in Georgia by credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $139 $220 Good $145 $230 Fair $149 $236 Poor $191 $303 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Georgia
You can use the following tips to find affordable car insurance in the Peach State:
Shop around
Get quotes from at least three different auto insurance companies. Then compare premiums, coverage options, and customer service ratings to find the most affordable coverage. The insurance company that works best for you depends on your specific needs and driving history.
Choose a higher deductible
As long as you have the funds for higher out-of-pocket expenses, you might want to choose a higher deductible. This will get you cheaper premiums.
Look for discounts
Most car insurers offer a number of discounts for policyholders, such as a good student discount, multi-policy discount, and defensive driver discount. Find out which discounts your car insurance company offers and leverage the ones that apply to you.
Bundle
If you need another type of insurance, such as homeowners or renters insurance, you might score a better deal if you buy it from the same company. Most insurance companies offer bundling discounts.
Georgia average car insurance cost FAQs
Here are some common questions about auto insurance coverage in Georgia.
What is the average annual cost of car insurance in Georgia?
In Georgia, drivers pay average annual premiums of $1,860 for liability coverage and $2,935 for full coverage. Your age, gender, ZIP code, and driving history affect your insurance quote.
What is the cheapest car insurance company in Georgia?
Auto-Owners has the lowest car insurance rates in Georgia, with a liability coverage average of $59 per month.
State Farm and COUNTRY Financial also have affordable coverage, with respective average liability rates of $63 and $64 per month. The best way to find cheap car insurance is to compare quotes from multiple insurance companies at once.
How much is car insurance per month in Georgia?
Drivers in Georgia pay an average of $155 per month for liability coverage and $245 for a full-coverage policy. The overall average cost of coverage in the state is $200 per month.
What are the best auto insurance companies in Georgia?
The best car insurance companies in Georgia depend on your particular budget and needs. But some good options to explore include State Farm, Allstate, Bristol West, COUNTRY Financial, and Clearcover.
State Farm, in particular, has affordable average coverage, quality coverage options, and solid customer satisfaction and financial strength ratings.
What are the car insurance requirements in Georgia?
Per Georgia law, all drivers must carry state-minimum bodily injury and property damage liability coverage. Drivers need $25,000 per person in bodily injury liability, $50,000 per accident in bodily injury liability, and $25,000 in property damage liability.[4] Failure to carry state-minimum coverage can lead to penalties like fines and a license suspension.
You should consider more than the state-minimum liability insurance if you want financial protection for your vehicle.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Allstate. "Does your credit score affect your car insurance rate?."
- Insurance Information Institute. "How to save money on car insurance."
- Georgia Office of the Commissioner of Insurance and Fire Safety. "https://oci.georgia.gov/insurance-resources/auto."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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