Average Car Insurance Cost in Georgia (2026)
Drivers in Georgia pay an average of $209 per month for car insurance.
Secure. Free. Easy-to-use.
4.7 / 514K reviews
)
Written byAnna Baluch
)
Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
Reviewed byDavid Marlett
)
David MarlettAdvisor
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Georgia residents pay an average of $157 per month for liability insurance and $261 for full coverage, according to Insurify data. For comparison, U.S. drivers pay $98 per month for liability and $187 for full coverage, on average. Georgia drivers may pay more than the national average partially due to the high percentage of uninsured drivers in the state.[1]
Average premiums in Georgia have continued to increase the past two years. But you can still find affordable insurance in the Peach State by comparing quotes.
Here’s what you should know about car insurance in Georgia, including what factors affect average costs.
Quick Facts
Auto-Owners, State Farm, and Country Financial are a few of the cheapest car insurance companies in Georgia.
By city, Atlanta drivers pay the highest average auto insurance premiums in Georgia, and Dalton residents pay the lowest average premiums.
Liability quotes in Georgia start as low as $73 per month.
How much is car insurance in Georgia?
In Georgia, average car insurance costs are $157 per month for liability-only coverage and $261 per month for full coverage.
Factors like your ZIP code, driving history, gender, credit history, and discounts affect your specific insurance premium.
How Georgia car insurance rates have changed over the past two years
See More
To find car insurance rates in Georgia and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Georgia rose to more than $2,800 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Georgia.
See how Georgia car insurance prices have changed over the past two years below.
Average Georgia Car Insurance Rates over the Past Two Years
State Name | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Georgia | 2,673 | 2,718 | 2,761 | 2,812 | 2,850 | 2,889 | 2,900 | 2,927 | 2,944 | 2,965 | 3,016 | 3,043 | 3,084 | 3,119 | 3,135 | 3,152 | 3,163 | 3,141 | 3,126 | 3,125 | 3,120 | 3,119 | 3,129 | 3,133 |
| United States | 2,300 | 2,342 | 2,368 | 2,389 | 2,385 | 2,373 | 2,369 | 2,361 | 2,349 | 2,364 | 2,366 | 2,365 | 2,355 | 2,341 | 2,317 | 2,285 | 2,257 | 2,228 | 2,214 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 |
Average Georgia car insurance rates by city
Car insurance quotes in Georgia vary by city and ZIP code. Local factors like weather conditions, traffic congestion, and crime rates all affect rates. For example, average monthly premiums for Atlanta drivers are $222 for liability-only insurance. But drivers in a smaller city like Albany pay an average of $131 per month for the same coverage.
Compare the average rate for car insurance for various cities in Georgia in the table below.
The below rates in Georgia are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Elberton | $97 | $195 |
| Hartwell | $100 | $179 |
| Hazlehurst | $101 | $219 |
| Baxley | $102 | $206 |
| Blackshear | $105 | $188 |
| Chatsworth | $105 | $182 |
| La Fayette | $106 | $165 |
| Americus | $107 | $240 |
| Eastman | $107 | $194 |
| Toccoa | $107 | $205 |
| Waycross | $107 | $195 |
| Dalton | $108 | $186 |
| Tunnel Hill | $108 | $215 |
| Douglas | $109 | $192 |
| Chickamauga | $111 | $195 |
| Ringgold | $111 | $189 |
| Rossville | $111 | $180 |
| Valdosta | $111 | $184 |
| Montezuma | $112 | $291 |
| Tifton | $112 | $203 |
| Ellijay | $113 | $188 |
| Jesup | $113 | $208 |
| Moultrie | $114 | $191 |
| Summerville | $114 | $207 |
| Sylvania | $114 | $203 |
| Brunswick | $116 | $196 |
| Kingsland | $116 | $189 |
| Thomasville | $116 | $211 |
| Thomson | $119 | $222 |
| Cordele | $120 | $205 |
| Calhoun | $121 | $222 |
| Perry | $121 | $211 |
| Eatonton | $122 | $217 |
| Statesboro | $124 | $250 |
| Waynesboro | $124 | $214 |
| Leesburg | $125 | $233 |
| Dublin | $127 | $241 |
| Cleveland | $128 | $207 |
| Tallapoosa | $129 | $238 |
| Athens | $130 | $225 |
| Cedartown | $130 | $230 |
| Jasper | $130 | $232 |
| Adairsville | $131 | $205 |
| Albany | $131 | $251 |
| Dahlonega | $132 | $227 |
| Dawsonville | $132 | $221 |
| Guyton | $133 | $234 |
| Thomaston | $133 | $251 |
| Barnesville | $134 | $261 |
| Hinesville | $134 | $242 |
| Lagrange | $134 | $241 |
| Byron | $135 | $237 |
| Richmond Hill | $135 | $234 |
| Franklin | $136 | $239 |
| Hull | $136 | $287 |
| Milledgeville | $136 | $259 |
| Fort Valley | $138 | $247 |
| Hoschton | $139 | $241 |
| Rome | $139 | $230 |
| Columbus | $140 | $240 |
| Commerce | $140 | $234 |
| Flowery Branch | $140 | $226 |
| Grovetown | $140 | $225 |
| Evans | $141 | $225 |
| Peachtree City | $141 | $230 |
| Hephzibah | $142 | $250 |
| Rincon | $142 | $227 |
| Rockmart | $142 | $258 |
| Jefferson | $143 | $236 |
| Lula | $145 | $215 |
| Augusta | $146 | $241 |
| Canton | $146 | $223 |
| Gainesville | $147 | $240 |
| Cartersville | $148 | $238 |
| Cumming | $148 | $246 |
| Sharpsburg | $149 | $233 |
| Bremen | $151 | $298 |
| Warner Robins | $152 | $242 |
| Carrollton | $153 | $244 |
| Winder | $153 | $256 |
| Port Wentworth | $154 | $292 |
| Jackson | $155 | $286 |
| Newnan | $155 | $246 |
| Pooler | $156 | $258 |
| Temple | $158 | $273 |
| Acworth | $159 | $258 |
| Bethlehem | $161 | $297 |
| Braselton | $161 | $239 |
| Kennesaw | $163 | $268 |
| Monroe | $163 | $267 |
| Woodstock | $165 | $251 |
| Alpharetta | $167 | $255 |
| Roswell | $169 | $257 |
| Villa Rica | $170 | $267 |
| Griffin | $171 | $279 |
| Savannah | $173 | $287 |
| Fayetteville | $177 | $281 |
| Hiram | $178 | $279 |
| Buford | $180 | $271 |
| Smyrna | $180 | $298 |
| Dacula | $182 | $293 |
| Locust Grove | $183 | $296 |
| Dallas | $186 | $285 |
| Marietta | $187 | $280 |
| Macon | $188 | $294 |
| Peachtree Corners | $189 | $294 |
| Oxford | $191 | $290 |
| Auburn | $192 | $279 |
| Mableton | $193 | $318 |
| Mcdonough | $195 | $314 |
| Suwanee | $195 | $297 |
| Douglasville | $196 | $320 |
| Lithia Springs | $196 | $316 |
| Lawrenceville | $198 | $303 |
| Duluth | $201 | $305 |
| Grayson | $202 | $281 |
| Loganville | $202 | $310 |
| Powder Springs | $203 | $317 |
| Lilburn | $206 | $310 |
| Snellville | $206 | $338 |
| Hampton | $208 | $331 |
| Stockbridge | $208 | $333 |
| Tucker | $208 | $275 |
| Conyers | $209 | $336 |
| Conley | $210 | $378 |
| Fairburn | $211 | $351 |
| Norcross | $211 | $314 |
| Covington | $216 | $332 |
| Jonesboro | $220 | $354 |
| Austell | $221 | $336 |
| Atlanta | $222 | $347 |
| Rex | $222 | $355 |
| Morrow | $223 | $341 |
| Union City | $229 | $363 |
| Ellenwood | $232 | $368 |
| Riverdale | $238 | $380 |
| Forest Park | $239 | $366 |
| Decatur | $260 | $396 |
| Lithonia | $261 | $404 |
| Stone Mountain | $263 | $387 |
| Clarkston | $277 | $396 |
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.
Shop for Georgia Car Insurance
Liability quotes start at $73 per month
Excellent
4.7 out of 5 based on 14,283 reviews
Secure. Free. Easy-to-use.
Average Georgia car insurance rates by age and gender
Age and gender influence car insurance premiums in Georgia. Due to limited experience behind the wheel, teenagers and young drivers in the state usually face higher car insurance costs. Additionally, young males tend to pay more for auto insurance due to their greater risk of accidents.
The good news is average rates begin to decrease with age for drivers older than 25. Here’s a look at the average car insurance premiums in Georgia by age and gender.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $359 | $569 |
| 18 | $312 | $495 |
| 20 | $206 | $325 |
| 25 | $181 | $285 |
| 30 | $155 | $245 |
| 40 | $139 | $219 |
| 50 | $125 | $198 |
| 60 | $122 | $193 |
| 70+ | $138 | $218 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $345 | $547 |
| 18 | $300 | $475 |
| 20 | $198 | $313 |
| 25 | $173 | $274 |
| 30 | $149 | $235 |
| 40 | $133 | $211 |
| 50 | $121 | $190 |
| 60 | $118 | $185 |
| 70+ | $132 | $210 |
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 cost to insure popular vehicles in Georgia
The most popular vehicles in the Peach State are the Ford F-Series, Chevrolet Silverado, Toyota RAV4, Tesla Model Y, and Toyota Camry.
The F-Series and Silverado are solid vehicles for drivers who want high-performing trucks that can handle Georgia’s highways and country roads. The third-most-popular vehicle in the state, the RAV4 is a safe, fuel-efficient SUV. Georgia residents who want an electric vehicle may purchase the Model Y, whereas drivers who prefer a spacious, affordable sedan may like the Camry.
See the average monthly costs of car insurance for these vehicles in Georgia below.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $235 |
| Chevrolet Silverado | $249 |
| Toyota RAV4 | $230 |
| Tesla Model Y | $413 |
| Toyota Camry | $277 |
How your driving record affects car insurance rates in Georgia
Car insurance companies look at your driving record to gauge the level of risk you pose on the road. A clean driving record indicates less risk and leads to lower premiums. But if your record shows traffic violations — such as speeding tickets, at-fault accidents, or DUI convictions — you’ll likely face more expensive coverage. To find affordable auto insurance, be sure to drive safely and adhere to all road rules.
Below, you can compare average quotes for a sample Georgia driver profile with an incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $291 | 47% |
| With speeding ticket | $274 | 38% |
| With DUI | $330 | 67% |
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.
Find Cheap Car Insurance in Georgia
Insurify partners with top insurers for real quotes
Excellent
4.7 out of 5 based on 14,283 reviews
Secure. Free. Easy-to-use.
Georgia permits your car insurance company to look at your credit history when determining your premiums. Research shows that drivers with excellent or good credit are less likely to file claims.[2] As a result, you can typically pay less for car insurance if you have a strong credit history.
The table below shows average monthly car insurance rates in Georgia by credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $139 $220 Good $145 $230 Fair $149 $236 Poor $191 $303 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 to lower your insurance costs in Georgia
You can use the following tips to find affordable car insurance in the Peach State:
Shop around
Get quotes from at least three different auto insurance companies. Then compare premiums, coverage options, and customer service ratings to find the most affordable coverage. The insurance company that works best for you depends on your specific needs and driving history.
Choose a higher deductible
As long as you have the funds for higher out-of-pocket expenses, you might want to choose a higher deductible. This will get you cheaper premiums.
Look for discounts
Most car insurers offer a number of discounts for policyholders, such as a good student discount, multi-policy discount, and defensive driver discount. Find out which discounts your car insurance company offers and leverage the ones that apply to you.
Bundle
If you need another type of insurance, such as homeowners or renters insurance, you might score a better deal if you buy it from the same company. Most insurance companies offer bundling discounts.
Georgia average car insurance cost FAQs
Here are some common questions about auto insurance coverage in Georgia.
What is the average annual cost of car insurance in Georgia?
In Georgia, drivers pay average annual premiums of $1,882 for liability coverage and $3,133 for full coverage. Your age, gender, ZIP code, and driving history affect your insurance quote.
What is the cheapest car insurance company in Georgia?
Auto-Owners has the lowest car insurance rates in Georgia, with a liability coverage average of $73 per month.
State Farm and Country Financial also have affordable coverage, with respective average liability rates of $78 and $79 per month. The best way to find cheap car insurance is to compare quotes from multiple insurance companies at once.
How much is car insurance per month in Georgia?
Drivers in Georgia pay an average of $157 per month for liability coverage and $261 for a full-coverage policy. The overall average cost of coverage in the state is $209 per month.
What are the best auto insurance companies in Georgia?
The best car insurance companies in Georgia depend on your particular budget and needs. But some good options to explore include State Farm, Allstate, Bristol West, COUNTRY Financial, and Clearcover.
State Farm, in particular, has affordable average coverage, quality coverage options, and solid customer satisfaction and financial strength ratings.
What are the car insurance requirements in Georgia?
Per Georgia law, all drivers must carry state-minimum bodily injury and property damage liability coverage. Drivers need $25,000 per person in bodily injury liability, $50,000 per accident in bodily injury liability, and $25,000 in property damage liability.[4] Failure to carry state-minimum coverage can lead to penalties like fines and a license suspension.
You should consider more than the state-minimum liability insurance if you want financial protection for your vehicle.
Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Allstate. "Does your credit score affect your car insurance rate?."
- Insurance Information Institute. "How to save money on car insurance."
- Georgia Office of the Commissioner of Insurance and Fire Safety. "https://oci.georgia.gov/insurance-resources/auto."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Georgia Car Insurance With Bad Credit
Drivers with bad credit in Georgia tend to pay higher car insurance rates.
)
Car Insurance for High-Risk Drivers in Georgia
Some companies, such as Auto-Owners and State Farm, offer competitive auto insurance rates after an accident or ticket for high-risk drivers in Georgia.
)
Rideshare Insurance in Georgia
Georgia doesn’t require rideshare insurance policies, but Uber and Lyft drivers should still consider adding this coverage to their personal auto policy.
)
Best Car Insurance in Georgia
State Farm, USAA, and Auto-Owners are some of the best car insurance companies for Georgia drivers.
)
Cheapest Car Insurance for Low-Income Drivers in Georgia
Auto-Owners has the cheapest liability car insurance in Georgia, with an average rate of $73 per month.
)
Best Car Insurance for College Students in Georgia
COUNTRY Financial, State Farm, and USAA offer the best car insurance for Georgia college students and their parents.
)
Cheap SR-22 Insurance in Georgia From $88
The average rate for SR-22 insurance in Georgia is $116 per month for liability coverage.
)
DUI Car Insurance in Georgia
Drivers in Georgia with a DUI pay an average of $254 per month for car insurance.
)
Car Insurance Requirements in Georgia
You must meet the 25/50/25 minimum car insurance requirements to drive in Georgia.
Temporary Car Insurance in Georgia: What Your Short-Term Options Really Are
Georgia drivers can find flexible car insurance from companies that specialize in short-term coverage, or shop for standard insurance and cancel anytime. Insurify Car offers policies with low up-front weekly costs.
)
How to Get a Driver’s License in Georgia
Teenagers must go through a graduated licensing program to get their full license. And people moving to the Peach State need to meet requirements to transfer their licenses.
)
Uninsured Motorist Coverage in Georgia: What to Know
Uninsured motorist coverage is an optional policy add-on in Georgia that covers damages if a driver without insurance hits you.
Cheapest Car Insurance Quotes in Georgia
Auto-Owners has the cheapest liability-only car insurance in Georgia, with an average monthly quote of $73. Auto-Owners offers the cheapest average rates for full coverage, at $133. See real-time quotes for Georgia and buy your policy online in minutes.
)
Cheapest Auto Insurance in Albany, Georgia
Auto-Owners offers the cheapest car insurance in Albany, with liability rates starting at $67 per month.
)
Cheapest Auto Insurance in Lawrenceville, Georgia
Auto-Owners offers the cheapest car insurance in Lawrenceville, with minimum-coverage policies as low as $88 per month.
)
Cheapest Auto Insurance in Valdosta, Georgia
Valdosta drivers can find quotes for liability-only car insurance as low as $52 from Auto-Owners.
)
Cheapest Auto Insurance in Dalton, Georgia
Auto-Owners is the cheapest insurance company in Dalton, with liability-only rates of $51 per month.
)
Cheapest Auto Insurance in Woodstock, Georgia
The cheapest car insurance company in Woodstock is Auto-Owners with an average rate of $73 per month.
)
Cheapest Auto Insurance in Alpharetta, Georgia
Auto-Owners offers the cheapest car insurance in Alpharetta, with minimum-coverage policies as low as $74 per month.
)
Cheapest Auto Insurance in Athens, Georgia
Auto-Owners offers the cheapest car insurance in Athens, with minimum-coverage policies as low as $62 per month.
Cheapest Auto Insurance in Dallas, Georgia
Auto-Owners offers the cheapest car insurance in Dallas, with minimum-coverage policies as low as $82 per month.
Cheap Car Insurance Quotes in Augusta, Georgia (May 2026)
Auto-Owners offers the cheapest car insurance in Augusta, with an average liability rate of $68 per month. Many roads, including Greene Street, Walton Way, and Wheeler Road, often become congested, resulting in traffic that most Augusta drivers consider unacceptable.
Cheapest Car Insurance Quotes in Lawrenceville, Georgia (May 2026)
Drivers looking for cheap Lawrence car insurance are most likely to find it from Auto-Owners, with an average monthly liability rate of $88. Traffic congestion along commuter routes such as state Route 29 and U.S. Route 316 is a key factor influencing Lawrenceville insurance rates.
)
Cheapest Auto Insurance Quotes in Warner Robins, GA
Auto-Owners is the cheapest liability auto insurance company in Warner Robins.
Cheap Car Insurance Quotes in Decatur, Georgia (May 2026)
Auto-Owners is the cheapest insurer in Decatur, with an average liability rate of $115 per month. Drivers in Decatur likely pay higher rates due to the city’s high vehicle theft rate.
Cheapest Car Insurance Quotes in Atlanta (May 2026)
Auto-Owners is the cheapest auto insurance in Atlanta, with liability car insurance at an average cost of $100 per month. Atlanta experiences a high rate of vehicle thefts, ranking No. 12 in the nation by volume, which may affect auto insurance pricing for drivers in the state capital.
Cheapest Car Insurance Quotes in Savannah, Georgia (May 2026)
The cheapest insurer in Savannah is Auto-Owners, with liability-only rates averaging $80 per month. Savannah’s coastal hurricane exposure affects car insurance rates in the city.
Cheap Car Insurance Quotes in Macon, Georgia (May 2026)
Auto-Owners offers the cheapest car insurance in Macon, with an average monthly rate of $84 for liability coverage. Heavy traffic and a high fatal crash rate increase insurance costs for drivers.
)
Cheap Car Insurance Quotes in Marietta, Georgia (May 2026)
Marietta drivers can find the cheapest insurance coverage with Auto-Owners, with liability rates averaging $82 per month. The average commute is 27.5 minutes, which is longer than the national average. The extra time behind the wheel can increase insurance premiums.
Cheapest Car Insurance Quotes in Columbus, Georgia (May 2026)
Auto-Owners offers Columbus drivers the cheapest car insurance rates, with liability policies averaging $66 per month. The city’s limited traffic and relatively low vehicle theft rates likely contribute to the below-average auto insurance costs.
)
Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
David MarlettAdvisor