Average Cost of Car Insurance Rates in Georgia (2021)

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How Much Does Car Insurance Cost In Georgia?

On average, car insurance rates for drivers in Georgia are $354 per month, and $4251 per year. The average rates make Georgia the 3rd most expensive state in the country for car insurance rates and 37% more expensive then the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $35450%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Georgia Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Georgia and has selected the following providers and quotes as the best rates for drivers in Georgia.

Cheapest Companies
progressive

Progressive

$97/mo
allstate
$108/mo
travelers
$112/mo
the-general
$145/mo
nationwide
$163/mo

Georgia Car Insurance Rates by City

For drivers in Georgia, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Georgia.
City
Alpharetta$320
Atlanta$378
Augusta$244
Columbus$254
Decatur$423
Lawrenceville$348
Macon$294
Marietta$302
Savannah$305
Stone Mountain$406

What Is the Average Cost of Car Insurance in Georgia by Age?

Mom and dad will most likely have to help even the hardest working teens afford car insurance in the Peach State. Those in their 20s cut more than $250 off their premiums but still pay more than $70 above the state average.

Once drivers hit their 30s, 40s, and 50s and rack up driving experience, they begin seeing rates far below the average monthly cost. Drivers nearing retirement age get the best deal, and then rates creep back up for those in their 70s and 80s.

Age
Teens$681
20s$423
30s$285
40s$289
50s$278
60s$259
70s$276
>80s$307

What Is the Average Cost of Car Insurance in Georgia by Gender?

Car insurance costs 12 percent more for men in Georgia. That’s because women are statistically considered to be safer drivers and because men tend to buy more expensive vehicles.

Gender
Male$377
Female$337

Does Marital Status Influence the Average Cost of Car Insurance in Georgia?

In Georgia, married couples pay an average of $70 per month less than singletons for car insurance. That’s because married drivers are generally considered less risky to insure by car insurance companies.

Financial experts have long touted the benefits of marriage, such as greater stability and higher average net worth. It's not necessarily romantic, but some extra money in the bank can warm the heart of just about anyone.

Marital Status
Married$300
Single$370

What Are the Minimum Car Insurance Requirements in Georgia?

Georgia requires liability insurance to pay for injuries or property damage caused to others. The law says you must have $25,000 in bodily injury liability per person and $50,000 per accident and $25,000 in property damage liability per accident. Add comprehensive and collision coverage to your policy to protect your vehicle itself.

georgia

How Does Credit History Affect Georgia Car Insurance Rates?

Georgia, along with most states, allows insurance companies to factor in driver credit scores when setting their rates.

People with poor credit pay the least in Georgia, and that could be because they have less expensive cars than their counterparts with excellent credit. Drivers with good credit pay the most, but they can see an over-$20 reduction when they boost their credit score to excellent, which is generally considered to be a score of 800 or above.

Credit History
Poor$333
Average$343
Good$371
Excellent$348

What Is the Average Cost of Car Insurance in Georgia for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Georgia will pay $51 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $65. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving History
No Violation$333
At-Fault Accident$398
Speeding$384

Tips for Researching Georgia Car Insurance Rates

The Peach State's insurance prices and policies vary by location, company, and driver. Georgia remains one of the fastest-growing states in the country, but let's hope premiums don't rise along with the population.

Many Georgians believe it's all but impossible to find insurance that doesn't break the bank. That's why Insurify's quote-comparison tool is so valuable. You can compare 10+ real quotes and unlock savings and discounts. In less than two minutes, you can find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

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FAQs - Georgia Car Insurance

Why is car insurance so expensive in Georgia?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Georgia?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Georgia. Insurify analyzed the latest data for the five most populous cities in Georgia to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Georgia?

'The way to find the carrier with the best auto insurance ratings in Georgia and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Georgia?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.