Georgia car insurance runs approximately $1,620 for full coverage and $921 for minimum coverage per year, based on a 40-year-old driver with solid credit and no driving violations. Georgia positions itself at 38th for full coverage and 43rd for minimum coverage in national rankings, with costs 11% and 34% above typical rates.
Average Cost of Car Insurance in Georgia
Updated: October 16, 2025
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Key Takeaways
Car insurance costs range from $921 to $4,284 per year on average depending on your chosen coverage, driving profile and location.
Georgia ranks as one of the most expensive in the country, ranking 43rd and 38th overall for minimum and full coverage car insurance affordability.
To secure the cheapest car insurance in Georgia, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
Average Car Insurance Cost In Georgia
| Full Coverage | $135 | $1,620 |
| Minimum Coverage | $77 | $921 |
Moving from liability-only to comprehensive protection costs an extra $699 annually, about $58 per month. Actual premiums fluctuate depending on your individual profile, driving record and coverage preferences.
Average Georgia Car Insurance Cost by Category
Young drivers face the highest costs in Georgia at $357 monthly for full coverage, while older vehicle owners pay the same as adult drivers at $133 monthly. Your driving profile impacts Georgia car insurance pricing.
Adult drivers with solid records pay baseline rates of $133 monthly for full coverage and $76 for minimum coverage. Drivers with poor credit encounter elevated premiums at $262 for full coverage and $127 for minimum since credit history helps insurers predict claims behavior.
| Adult Drivers | $76 | $133 |
| Drivers With Old Cars | $76 | $133 |
| Drivers With Low Income | $79 | $160 |
| Drivers With A Speeding Ticket | $93 | $164 |
| Drivers With Newer Cars | $94 | $164 |
| Senior Drivers | $109 | $187 |
| Drivers With An Accident | $110 | $195 |
| Drivers With Bad Credit | $127 | $262 |
| Drivers With A DUI | $148 | $278 |
| Young Drivers | $205 | $357 |
Georgia's rates show less sensitivity to vehicle age than other factors, with demographic characteristics and credit scores creating the primary rate variations.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Average Georgia Car Insurance Cost by Company
GEICO maintains competitive positioning in Georgia at $101 monthly for full coverage, while Mercury Insurance operates at higher price points with $136 monthly. Georgia insurance companies offer varying rate structures, with full coverage spanning from $101 to $136 monthly among prominent insurers.
Georgia residents save around $416 yearly by selecting cost-effective coverage options.
| Geico | $40 | $101 |
| Auto Owners | $43 | $104 |
| Central Insurance | $57 | $129 |
| Progressive | $61 | $128 |
| Mercury Insurance | $72 | $136 |
Average Georgia Car Insurance Cost by City
Location produces substantial car insurance cost differences in Georgia across the state's diverse metropolitan and rural areas, with full coverage premiums ranging from $110 monthly in Valdosta to $187 in Atlanta. Geographic factors create significant variation in Georgia car insurance costs statewide.
The impressive $77 monthly difference between the least and most expensive cities demonstrates how metropolitan areas experience higher rates due to traffic congestion and accident frequency. Compare rates for your city below.
Data filtered by:
Abbeville
| Full Coverage | $114 | $1,371 |
| Minimum Coverage | $65 | $783 |
Is Georgia Car Insurance Expensive?
Georgia ranks 38th in affordability for full coverage and 43rd overall for minimum coverage policies, placing it as one of the more expensive states for car insurance in our 2025 study. However, this is only an overall statistic comparing average rates for the entirety of states and affordability rankings for your city compared to the rest of the United States will vary widely.
Why Is Car Insurance More Expensive In Georgia?
Here's why Georgia car insurance costs more than most states:
High Rate of Uninsured Motorists
Georgia car insurance rates rose 22% from 2022 to 2023, higher than increases in 30 other states. The average cost of full coverage insurance for a Georgia driver is $2,610, slightly above the nationwide average. This 22% increase amounts to an average of $356 more for auto coverage per year, adding to the cost of owning a car in Georgia.
Severe Weather Risks
From 1980 to 2024, there were 134 confirmed weather and climate disaster events with losses exceeding $1 billion each to affect Georgia. These events included 17 drought events, four flooding events, three freeze events, 68 severe storm events, 27 tropical cyclone events, three wildfire events and 12 winter storm events. Recent events like Hurricane Helene caused extensive damage across the state, increasing car damage risk and the chance of total loss.
Rising Healthcare Costs
In 2020, drivers 55 and up were 27% of the total population and 33% of all licensed drivers, 19% of all drivers involved in motor car crashes and 26% of all drivers involved in fatal crashes. In Georgia, approximately 5% of residents are under age five, 17.4% are under the age of 18 and 11.6% are over age 65. This demographic distribution contributes to higher insurance costs as older drivers face increased vulnerability to serious injury or death in accidents.
Insurance Fraud Impact
Georgia has high rates of car thefts with comprehensive coverage rates reflecting these elevated theft risks. Pick-up trucks have been the most stolen passenger cars for the last two years according to the most recent records that the National Insurance Crime Bureau has available, making comprehensive coverage particularly important for truck owners.
Tourism and Traffic Impact
In Georgia, the number of fatalities increased 26% from 1994 to 2021, according to NHTSA. From 2019 to 2021, the study said the fatalities increased 35.4% per million miles traveled in the Peach State. The increase in fatal accidents "has meant more payouts for insurers, which companies tend to cover by charging higher premiums." While recent data shows some improvement, these trends impact insurance pricing.
Vehicle Theft Rates
Among the reasons insurance costs are going up are a higher number of accidents, larger payouts for property damage and medical claims and more frequent car thefts and break-ins. The BLS said cost of repair grew close to 10% in October compared to the year before, making car repairs more expensive and driving up comprehensive and collision coverage costs.
Young Driver Population
The Atlanta metropolitan area includes 29 counties and is home to 5.6 million people, making it the ninth largest metropolitan area in the U.S. Metro-Atlanta contains about 57% of Georgia's entire population. Atlanta drivers pay more for car insurance, on average. The average cost of car insurance in Atlanta is higher per month than the rest of Georgia and above the national average. Higher traffic congestion leads to increased accident frequency and more car theft and vandalism rates.
Inflation Impact
Georgia Governor Brian Kemp has signed a law giving the state's insurance commissioner the ability to review all auto insurance rate filings before they go into effect. The law was written to end the state's file-and-use provision, which the state insurance commissioner described as a loophole that allowed auto insurance companies to increase rates. Propelling this legislation forward were filings in 2022 by Allstate, which increased rates by 40% during that calendar year.
How to Lower Car Insurance Costs In Georgia
Below is our guide to lowering your car insurance costs with proven steps.
- 1Decide on coverage needs beforehand
Deciding on your coverage needs beforehand is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and your risk tolerance when making this decision.
- 2Research costs and discounts
To save money for your particular profile, know your average costs for your desired coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance or other bundles for the most balanced perspective.
- 3Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4Compare quotes through multiple means
Compare multiple company quotes to find the best deal possible. Also, we recommend using multiple methods of getting quotes like online comparison sites and independent agents since pricing varies widely between method.
Cost of Car Insurance in Georgia: Bottom Line
Georgia car insurance costs are among the most expensive in the United States, making it important to take advantage of savings strategies. Decide on coverage needs beforehand, do thorough research and compare quotes from the right insurers for your situation.
Cost of Car Insurance in Georgia: FAQ
Below are answers to frequently asked questions about Georgia car insurance costs:
How much is Georgia car insurance per month?
Georgia car insurance costs $77 for minimum coverage and $135 for full coverage policies per month. However, rates range from $76 to $357 monthly depending on your unique driver profile and coverage choice.
What factors affect Georgia car insurance costs?
Primary factors include driving history, age, and location - with accidents, violations, and younger drivers facing higher rates, while urban areas cost more than rural ones.
Why is Georgia car insurance so expensive?
Georgia car insurance rates rose 22% from 2022 to 2023, higher than 30 other states, with average full coverage costing $2,610 annually. The state has high car theft rates and experienced 134 billion-dollar weather disasters from 1980 to 2024. Georgia's aging population and rising accident rates contribute to increased premiums. Metro Atlanta's 5.6 million residents create traffic density and higher urban insurance costs.
How expensive is Georgia car insurance?
Georgia ranks 43rd in affordability for minimum coverage and 38th overall for full coverage, making it one of the most expensive places to get auto insurance in the U.S.
How We Determined Georgia Car Insurance Costs
We used the following profile and modifications of this profile to determine Georgia auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Federal Emergency Management Agency. "Georgia Hurricane Helene Disaster Declaration." Accessed October 31, 2025.
- FOX 5 Atlanta. "Cost of Car Insurance: Why Has Car Insurance Gone Up So Much in Georgia?." Accessed October 31, 2025.
- Georgia Department of Public Health. "55+ Driver Safety Data Information." Accessed October 31, 2025.
- National Centers for Environmental Information. "Billion-Dollar Weather and Climate Disasters: State Summary for Georgia." Accessed October 31, 2025.
- WSB-TV Atlanta. "Georgia Car Insurance Prices Rose More Than 30 Other States in 2023, Study Says." Accessed October 31, 2025.