Georgia Average Cost of Car Insurance Rates (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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