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 $259 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 $143.

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	$259	$3,106

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 $78.

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 $140, 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: Wednesday, September 30 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Auto-Owners	$78
State Farm	$84
Country Financial	$85
Mile Auto	$91
Progressive	$96
USAA	$98
Mercury	$128
Root	$140
Bristol West	$141
GEICO	$142
Clearcover	$148
GAINSCO	$155
Allstate	$156
Direct Auto	$156
AssuranceAmerica	$157
The General	$159
Safeco	$173
National General	$176
Trexis One	$177
Mendota	$186
First Acceptance	$189
Insurify Car	$191
Trexis	$191
Excepsure	$198
Hugo	$274
Liberty Mutual	$307

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 $131 and  $139. 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.

The below rates in Georgia are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

City	Average Monthly Quote
La Fayette	$126
Elberton	$133
Chickamauga	$135
Hartwell	$135
Dalton	$136
Chatsworth	$137
Baxley	$138
Waycross	$138
Rossville	$140
Valdosta	$140
Toccoa	$141
Eastman	$144
Ringgold	$144
Tifton	$144
Ellijay	$145
Hazlehurst	$145
Moultrie	$145
Brunswick	$146
Blackshear	$148
Kingsland	$148
Sylvania	$149
Douglas	$150
Adairsville	$153
Perry	$153
Tunnel Hill	$153
Thomson	$155
Jesup	$156
Thomasville	$158
Cleveland	$159
Calhoun	$161
Waynesboro	$161
Dahlonega	$163
Jasper	$163
Americus	$165
Summerville	$165
Dawsonville	$167
Eatonton	$167
Commerce	$168
Athens	$169
Cedartown	$169
Dublin	$172
Evans	$172
Cordele	$173
Grovetown	$174
Canton	$175
Flowery Branch	$175
Richmond Hill	$175
Hinesville	$176
Leesburg	$176
Lula	$176
Rome	$176
Statesboro	$176
Byron	$177
Peachtree City	$178
Rincon	$178
Sharpsburg	$178
Columbus	$179
Albany	$181
Tallapoosa	$182
Augusta	$184
Hephzibah	$184
Lagrange	$184
Fort Valley	$185
Jefferson	$185
Montezuma	$185
Gainesville	$186
Rockmart	$186
Thomaston	$186
Cartersville	$187
Hoschton	$187
Hull	$188
Milledgeville	$188
Warner Robins	$188
Franklin	$189
Cumming	$190
Winder	$190
Newnan	$191
Carrollton	$192
Guyton	$194
Acworth	$195
Alpharetta	$196
Bremen	$196
Woodstock	$196
Barnesville	$197
Jackson	$198
Pooler	$199
Temple	$199
Braselton	$202
Monroe	$202
Kennesaw	$204
Port Wentworth	$208
Savannah	$212
Villa Rica	$212
Bethlehem	$213
Griffin	$213
Hiram	$215
Buford	$217
Roswell	$217
Auburn	$221
Fayetteville	$221
Smyrna	$225
Dacula	$226
Marietta	$226
Suwanee	$227
Dallas	$229
Oxford	$229
Macon	$232
Locust Grove	$233
Peachtree Corners	$234
Mableton	$237
Lithia Springs	$238
Lawrenceville	$240
Loganville	$241
Tucker	$242
Douglasville	$243
Duluth	$245
Powder Springs	$245
Mcdonough	$246
Norcross	$246
Lilburn	$249
Grayson	$251
Hampton	$254
Snellville	$259
Stockbridge	$259
Conyers	$263
Covington	$264
Conley	$267
Austell	$268
Fairburn	$268
Atlanta	$270
Jonesboro	$273
Ellenwood	$279
Rex	$280
Morrow	$281
Union City	$282
Forest Park	$292
Riverdale	$298
Stone Mountain	$308
Decatur	$313
Clarkston	$318
Lithonia	$320

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 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 $273 per month for liability insurance. Senior drivers pay an average of $140 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	$273	$450
Adults (40s)	$156	$257
Seniors	$140	$231

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