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Georgia Average Cost of Car Insurance Rates (2022)

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Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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 than 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.

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 CompaniesQuotes
The General$145

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.

CityAvg. Monthly Rate
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.

AgeAvg. Monthly Rate

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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.

GenderAvg. Monthly Rate

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 StatusAvg. Monthly Rate

Minimum Car Insurance Requirements in Georgia

All motor vehicles operated or parked on Georgia roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Georgia[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured motorist bodily injury
  • $50,000 per accident for uninsured motorist bodily injury
  • $25,000 per accident for uninsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.

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 HistoryAvg. Monthly Rate

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 HistoryAvg. Monthly Rate
No Violation$333
At-Fault Accident$398

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. See All Auto Insurance Companies

FAQs - Georgia Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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  1. Office of Commissioner of Insurance and Safety Fire. "State Minimum Car Insurance Requirements." Accessed May 28, 2022