How Much Is Car Insurance in Georgia? (2026)

How much is car insurance in Georgia?

Drivers in Georgia pay an average of $157 per month for liability coverage. Georgia drivers pay a higher average of $260 per month for full-coverage car insurance, since it includes collision coverage and comprehensive coverage.

Georgia drivers pay more, on average, than drivers in surrounding states like Alabama and Tennessee, partially due to the state’s high levels of insurance fraud. Georgia’s overall average monthly car insurance cost of $208 is more expensive than the national monthly average of $142.

Take a look at the table below to see how much Georgia drivers pay for car insurance monthly and annually.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$157	$1,880
Full coverage	$260	$3,121

Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Minimum car insurance requirements in Georgia

Drivers in Georgia must have a minimum amount of bodily injury and property damage liability insurance before getting behind the wheel.

Georgia state law requires insurers to offer uninsured motorist coverage and medical payments coverage. But the law doesn’t require drivers to have these coverages.^[1]

Here’s what you’ll need to meet Georgia’s minimum-coverage limits:

Coverage Type	Georgia Minimum Requirement
Bodily injury liability insurance	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident

Cheapest car insurance companies in Georgia

Georgia is one of the most expensive U.S. states for car insurance, partly due to its high rates of insurance fraud and severe weather risks. The state’s overall average rates are also likely higher due to Atlanta’s expensive premiums, driven by major flood and windstorm risks and higher rates of population density and accidents.

Auto-Owners has the cheapest liability car insurance in Georgia, with an average monthly rate of $72.

Georgia doesn’t require drivers to purchase collision and comprehensive insurance, but it’s often a good idea to have it for protection against a car accident or severe weather damage. The cheapest full-coverage policy in Georgia, with a monthly average rate of $130, is available from Auto-Owners.

The table below shows which companies have the cheapest liability-only rates in Georgia.

The below rates in Georgia are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Auto-Owners	$72
State Farm	$78
Country Financial	$79
Allstate	$85
Mile Auto	$90
USAA	$91
Progressive	$102
Mercury	$125
Bristol West	$146
Root	$146
GEICO	$147
Clearcover	$153
GAINSCO	$155
Direct Auto	$157
The General	$165
AssuranceAmerica	$167
National General	$176
Safeco	$179
Trexis One	$179
Mendota	$186
Nationwide	$188
First Acceptance	$193
Insurify Car	$195
Excepsure	$197
Trexis	$198
Hugo	$266
Liberty Mutual	$315

Disclaimer: Table data sourced from real-time Georgia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Georgia may vary based on the policy buyer's unique driver profile.

Average Georgia car insurance rates by city

Of the most populated Georgia cities, Athens and Columbus have the cheapest liability rates in Georgia, with respective average monthly rates of $130 and  $138. These cities have much lower population densities than Atlanta, where average rates are particularly high. Atlanta, which also faces significant traffic congestion, recorded nearly 177,000 traffic accidents between 2021 and 2025.^[2]

In Georgia, denser cities — especially those close to Atlanta — often face higher rates than rural areas. This isn’t a hard-and-fast rule, though, so it’s important to compare car insurance rates from multiple insurers before buying a car insurance policy.

Check out the table below to see the average car insurance rates by city in Georgia.

City	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Albany	$129	$250
Alpharetta	$165	$249
Athens	$130	$223
Atlanta	$221	$346
Augusta	$147	$240
Columbus	$138	$238
Gainesville	$146	$235
Mableton	$195	$316
Macon	$189	$293
Marietta	$187	$280
Roswell	$170	$259
Savannah	$172	$282
Smyrna	$179	$297
Valdosta	$111	$185
Warner Robins	$152	$238

Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Average Georgia car insurance rates by age

Your age has a major effect on your car insurance rates, since it’s often a direct indicator of how much driving experience you have. Young drivers almost always pay more than older drivers until a certain age. Teenagers in Georgia can get an instructional permit as young as 15, a provisional license at 16, and a full driver’s license at 18.^[3]

Teen drivers pay the highest average rates of any age group in Georgia, with an average monthly rate of $272 per month for liability insurance. Senior drivers pay an average of $141 per month for liability insurance.

See how average premiums compare by major age group below.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$272	$451
Adults (40s)	$155	$257
Seniors	$141	$233

Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Georgia

Your driving record has the most significant effect on your car insurance rates in Georgia, since it tells insurers exactly what risks you pose as a driver.

In Georgia, 4.3% of drivers have a ticket, 4.9% have an at-fault accident, and 0.5% have a driving under the influence (DUI) conviction in their driving history, according to Insurify data. High-risk drivers present a higher risk to insurers, so their rates will almost always be higher.

A DUI in Georgia increases premiums by 61%, on average. Georgia has strict DUI laws, with the first offense resulting in fines of up to $1,000, possible jail time of up to one year, and license suspension for up to one year.^[4]

Below, you can see how much Georgia drivers pay by driving record, and how much premiums increase after an incident.

Driving Record	Average Monthly Quote in GA	% Increase Compared to Clean Driving Record
Clean driving record	$206	N/A
With accident	$285	38%
With speeding ticket	$259	26%
With DUI	$332	61%

Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Georgia?

Georgia has many state-specific factors that cause its auto insurance premiums to be higher than those in many other states. Georgia faces various weather risks, including severe winds, hail, thunderstorms, flooding, hurricanes, and tornadoes. All of these create physical risks for vehicles, which insurers factor into their rates.

Drivers in major Georgia cities, like Atlanta and Savannah, often pay high rates due to traffic density and an increased number of accidents. Atlanta alone experienced a staggering 176,962 car accidents between 2021 and 2025, according to Georgia Department of Transportation data.

Also, Georgia insurance companies can use your credit-based insurance score as a rate factor, which often increases rates for drivers with low credit. Drivers with a good credit history usually end up paying less than drivers with poor credit histories.

The state has also been battling insurance fraud in recent years, which causes rates to increase. That said, Georgia introduced a 5% reduction in private passenger auto insurance rates in February 2026 after Allstate filed a rate reduction.^[2]

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How Georgia car insurance rates have changed over the past five years

Georgia car insurance rates have changed significantly during the past five years, and not for the better. In fact, the average annual cost of car insurance coverage in Georgia increased from $2,142 in January 2021 to $3,120 in January 2026, according to Insurify data.

Georgia saw its most drastic price increases during and after 2024. This is likely at least in part due to the severe damage caused by Hurricane Helene, which flooded roughly 16,800 vehicles in Georgia.^[5]

In 2025, the state’s average car insurance costs increased by 5%, and Insurify projects average rates will increase another 1.8% in 2026.

How to lower car insurance costs in Georgia

Despite Georgia’s high average auto insurance costs, you can still manage to find cheap car insurance.

Here are a few ways you can lower your car insurance costs in Georgia:

• Compare quotes from Georgia insurers. While it’s always crucial to compare car insurance rates, it’s extra important to consider local insurers, such as Georgia Farm Bureau and Peachstate. Insuring your vehicle with a local insurer may net you lower rates in some cases.

• Drop unnecessary coverage on older cars. If you have an older car with a low actual cash value, it may be worth dropping full coverage and carrying only Georgia’s minimum requirements. This can drastically lower your rates.

• Complete a defensive driving course. Georgia offers a driver improvement program. Completing it can help you lower your car insurance premiums and reduce points on your license.^[6]

• Utilize telematics or low-mileage programs. If you live in a major city like Atlanta or Savannah and don’t drive often, consider a telematics or low-mileage program. These programs track your driving habits, like how you drive and how often you drive, which can help you lock in cheaper rates. Just being in dense areas like cities can drive your rates up, but these programs can help.

• Increase your deductible. Choosing a higher deductible will immediately decrease your premium. Just be sure you can afford a higher deductible out of pocket before increasing it.

• Apply for discounts. Ask your insurance agent about car insurance discounts, and apply for multiple discounts if possible. Most insurers offer numerous discounts, such as good driver, loyalty, low-mileage, and discounts for bundling policies like renters and auto.

Georgia average car insurance cost FAQs