Average Car Insurance Cost in Georgia (2024)

Georgia drivers pay $146 per month for a minimum-coverage policy and $240 for full-coverage insurance, on average. Drivers in the state typically pay more than the national average of $158 per month.

But your monthly rates may vary depending on multiple factors, including your driving record, age, year, vehicle make and model, and ZIP code.

Here’s what you need to know about car insurance costs in Georgia.

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What’s the average cost of car insurance in Georgia?

The average price for car insurance in Georgia is $146 per month for liability-only coverage and $240 for full-coverage auto insurance. The best way to find cheap coverage in Georgia is to compare quotes from multiple auto insurers.

Drivers who purchase liability-only coverage, which fulfills the minimum requirements for Georgia auto insurance, typically pay much lower rates than policyholders who select full-coverage insurance. But the higher insurance rates provide drivers with more vehicle protection.

Here are average quotes for liability and full-coverage insurance policies in Georgia from top insurers.

Average Georgia car insurance rates by city

Car insurance companies consider location-based factors when determining your premium. The number of claims filed in your city and ZIP code, crime rates, population density, and accident rates can affect your premium. Drivers in areas with a lot of filed claims will likely pay higher premiums for auto coverage.

See how much residents of different Georgia cities pay for car insurance each month below.

Average Georgia car insurance rates by age

Your age can affect how much you pay for car insurance for several reasons. All drivers can have an accident, but the inexperience of teenage drivers presents a higher level of accident risk.^[2] Inexperienced drivers may demonstrate risky driving behavior or fail to react successfully to avoid an accident. Drivers between the ages of 16 and 25 typically pay much higher rates than older drivers.

Older drivers between 35 and 70 have enough experience that they tend to benefit from steadily decreasing average rates. But senior drivers older than 70 may have slower reflexes or diminishing eyesight that makes reacting in hazardous situations harder. Insurers may increase rates again due to aging-related risk factors.

See what Georgia drivers in different age groups pay on average for car insurance below.

How gender affects car insurance rates in Georgia

Young male drivers tend to be more reckless and impulsive than young female drivers. For example, male drivers between the ages of 16 and 19 have a higher vehicle crash death rate than female drivers of the same age.^[3]

It typically costs more to insure a teenage boy than a teenage girl for the same coverage level. As you age, however, average rates tend to even out a bit between men and women. Here are average monthly quotes for Georgia drivers by age and gender.

How your driving record affects car insurance rates in Georgia

Your driving record is a major factor insurers look at when determining your premium. Insurance companies try to predict the likelihood that they’ll have to pay out after a claim for policyholders.

Having incidents on your driving record — like a speeding ticket, at-fault accident, or DUI — demonstrates that you pose a higher risk than drivers with a clean record. The severity and frequency of traffic violations on your record play a role in how much you’ll pay for auto coverage. For example, having a DUI may even make you ineligible for coverage through some insurance companies.

On average, Georgia drivers with an incident on their record pay $269 per month for car insurance. Find the average quotes for coverage by driving record in the state below. Good drivers without incidents tend to pay the cheapest rates.

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Average Georgia car insurance rates by marital status

Marriage doesn’t automatically make you a better driver. However, insurance companies tend to assume that married drivers are safer on the road and have more financial stability than single policyholders.

The difference in cost by marital status is typically minimal but noticeable, as seen below.

Average Georgia car insurance rates by credit tier

Some states don’t allow insurance companies to view credit scores. However, Georgia allows insurance companies to consider insurance-based credit scores when deciding premiums. Companies typically assume that drivers with good and excellent credit have more financial stability and are less likely to file a claim than people with poor credit.

See average rates for car insurance by credit tier below. Drivers with excellent and good credit typically pay less than people with average and poor credit.

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