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Georgia auto insurance rates have mostly remained steady since 2025.
With new state laws in place, Georgia insurance premiums could decline in the rest of 2026.
Georgia’s expensive rates are partly due to extreme weather and the high number of uninsured drivers.
Car insurance is expensive in Georgia for several reasons.
Georgia is prone to many severe weather events, including hail, flooding, and hurricanes. Hurricane Helene damaged nearly 17,000 vehicles in 2024, according to Insurify data. Damage from Hurricane Helene caused auto insurance rates to spike in 2025, and rates have remained high since.
Crashes in Atlanta increased between 2020 and 2021 but have recently started to decline.[1] Insurers charge more for coverage in areas with a high volume of car crashes because those areas have a higher likelihood of claims. When insurance companies pay high claims payouts, they raise rates for everyone.
About 19% of Georgia drivers are uninsured, higher than the national average, according to the Insurance Information Institute.[2] Insurance companies raise the overall cost of insurance in states with a high number of uninsured drivers. Insurers charge more because you’re more likely to be in an accident with an uninsured driver, which could lead to expensive payouts.
Expensive lawsuits have also increased insurance costs in Georgia. But new changes in state law could mitigate these costs in the near future. A bill introduced in the Georgia House of Representatives aims to increase penalties for insurance fraud.
Georgia also has a high rate of fraudulent insurance claims. When companies spend more on legal fees and claim payouts, they charge higher rates.
Georgia drivers spend more time on the road than the national average. Average commute times in DeKalb County are more than 30 minutes, far higher than the nationwide average of 26 minutes. The longer drivers are on the road, the higher the risk of an accident. That additional risk drives up premiums.
Check quotes from top insurers in the Peach State and save money in minutes
Car insurance premiums in Georgia were stable from 2021 to 2022, then rose 50% from 2023 through 2024. Since 2025, Georgia’s average rates stayed high, averaging $3,121 per year for full coverage. That’s nearly $1,000 higher than the national average cost for the same policy.
Here’s a look at the last five years of average car insurance premiums in Georgia.
State | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 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 | 2026-05 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Georgia | 2,053 | 2,050 | 2,048 | 2,058 | 2,057 | 2,057 | 2,063 | 2,067 | 2,074 | 2,067 | 2,067 | 2,069 | 2,070 | 2,062 | 2,054 | 2,054 | 2,047 | 2,048 | 2,048 | 2,055 | 2,067 | 2,083 | 2,103 | 2,140 | 2,181 | 2,220 | 2,248 | 2,268 | 2,301 | 2,310 | 2,320 | 2,334 | 2,339 | 2,409 | 2,496 | 2,574 | 2,673 | 2,719 | 2,761 | 2,812 | 2,848 | 2,884 | 2,899 | 2,927 | 2,947 | 2,970 | 3,020 | 3,043 | 3,084 | 3,119 | 3,136 | 3,154 | 3,163 | 3,142 | 3,127 | 3,125 | 3,122 | 3,121 | 3,130 | 3,134 | 3,121 |
| United States | 1,556 | 1,551 | 1,553 | 1,555 | 1,557 | 1,562 | 1,565 | 1,567 | 1,568 | 1,572 | 1,578 | 1,591 | 1,602 | 1,608 | 1,612 | 1,618 | 1,624 | 1,632 | 1,640 | 1,650 | 1,665 | 1,689 | 1,719 | 1,758 | 1,802 | 1,850 | 1,887 | 1,919 | 1,956 | 1,984 | 2,006 | 2,036 | 2,076 | 2,128 | 2,194 | 2,240 | 2,299 | 2,342 | 2,368 | 2,389 | 2,386 | 2,373 | 2,370 | 2,361 | 2,350 | 2,365 | 2,366 | 2,366 | 2,354 | 2,341 | 2,317 | 2,285 | 2,256 | 2,227 | 2,214 | 2,221 | 2,222 | 2,224 | 2,232 | 2,238 | 2,236 |
Auto insurance companies take your location into account when setting rates.[3] Insurance risks like theft rates and weather risks can vary widely by ZIP code. Drivers in riskier areas usually pay more for coverage.
The Atlanta area is the most expensive spot for car insurance in Georgia. The city and its suburbs have a high population density and a higher number of traffic accidents.
On the other hand, small towns have some of the most affordable car insurance rates in Georgia. La Fayette, Hartswell, and Chatsworth are three of the cheapest towns in the state. Smaller cities have fewer cars on the road, reducing congestion and accidents.
Here’s a look at the most expensive cities for car insurance in Georgia, according to Insurify data.
City  | Average Monthly Quote |
|---|---|
| Clarkston | $334 |
| Lithonia | $332 |
| Decatur | $328 |
| Stone Mountain | $323 |
| Riverdale | $307 |
Here are some of the primary factors affecting auto insurance rates in these cities:
Clarkston: The city has very long commute times and an increased theft rate.
Lithonia: The city has a dense population with a moderate income. Poorer areas typically pay more for coverage.
Decatur: Decatur is very dense and hyper-wealthy. Expensive cars cost more to insure.
Stone Mountain: This city is very dense and has a higher-than-average poverty rate.
Riverdale: Riverdale has a high population density, which increases the risk of accidents.
Get the coverage you need in Georgia at the best price
You have many ways to reduce your car insurance rates. Here are a few to get you started:
Raise your deductible. Georgia recommends raising your deductible as a first step toward lower car insurance rates. But make sure you can afford the extra out-of-pocket costs if you file a claim.
Look for discounts. Many Georgia insurance companies offer various discounts, including those for good grades and safe driving habits.
Work on improving your credit. Georgia allows insurers to use your credit history when determining your auto insurance rates. Improving your credit will help lower your premiums.
Maintain a clean driving record. Georgia drivers who stay accident-free pay lower average premiums. But speeding tickets or a driving under the influence (DUI) conviction will increase rates.
Compare car insurance rates. Many major insurance companies in Georgia are lowering their auto insurance rates.[4] Compare quotes from multiple insurers to find the best price for your coverage.
Below, we answer some common questions about rising car insurance costs in Georgia.
Comparing quotes from multiple insurers is one of the easiest ways to get cheaper car insurance in Georgia. You can also ask your insurer if you qualify for any discounts. Many companies also offer savings when you bundle your auto insurance with renters or homeowners insurance.
The overall average monthly cost of car insurance in Georgia is $208. Liability-only coverage averages $157 per month, and full coverage costs an average of $260. Georgia’s rates are about 50% higher than the national average.
Yes. Car insurance is expensive in Atlanta, averaging $284 per month. That’s more than both the state and national averages. The city’s high population density and high crash rates increase insurance costs.
Full-coverage car insurance in Georgia costs an average of $346 per month. But your personal car insurance premiums depend on a variety of factors, including your ZIP code, driving record, and vehicle.
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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Small business blogger
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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