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Several factors influence car insurance rates, including age, location, driving history and the chosen insurer. In Georgia, the cheapest average full coverage rate is from Country Financial at $665 per year, while Progressive's rate is the most expensive at $1,119. A 16-year-old male driver on a family plan pays $2,813 per year compared to $6,220 on an individual policy.

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2023

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Average Car Insurance Costs in Georgia (2023)

In Georgia, the average yearly cost of car insurance is $915. Factors such as coverage amount and driving history can impact your rates. You’ll pay the following average amounts depending on your record:

  • Clean record: $915 per year
  • Speeding ticket: $1,184 per year
  • At-fault accident: $1,479 per year
  • DUI: $1,660 per year

The above rates are for full coverage policies. Minimum coverage policies tend to be significantly cheaper.

Driving Record
Annual Premium
Monthly Premium

Clean

$442

$37

Clean

$447

$37

Ticket

$556

$46

Clean

$573

$48

Ticket

$579

$48

Ticket

$704

$59

At-Fault Accident

$710

$59

At-Fault Accident

$775

$65

DUI

$795

$66

DUI

$797

$66

At-Fault Accident

$884

$74

Clean

$897

$75

Clean

$915

$76

DUI

$960

$80

Ticket

$1,180

$98

Ticket

$1,184

$99

Clean

$1,243

$104

At-Fault Accident

$1,479

$123

Ticket

$1,517

$126

At-Fault Accident

$1,554

$130

DUI

$1,612

$134

DUI

$1,660

$138

At-Fault Accident

$1,873

$156

DUI

$2,044

$170

Why Are Car Insurance Rates Moderate in Georgia?

Auto insurance premiums are moderately expensive in Georgia. The average cost of car insurance is $915 per year, which is $139 less than the national average of $1,054.

These lower rates are likely due to Georgia’s medium traffic density, lower vehicle theft rates and cheaper insurers. However, insurance rates can be expensive in Georgia due to personal factors like your age and driving history.

Average Car Insurance Costs in Georgia by Company

When it comes to the cheapest auto insurance in Georgia, average rates may be misleading, as rates vary across companies. The most affordable company for a minimum coverage policy is Auto-Owners, at $311 per year ($778 for full coverage). Country Financial is the cheapest for a full coverage policy, at $665 per year. Allstate is the most expensive insurer for a minimum coverage policy, at $604 per year ($909 for full coverage).

While liability-only insurance coverage is typically cheaper, Georgia drivers can still find affordable full coverage insurance by comparing quotes.

Company
Annual Premium
Monthly Premium

Country Financial

$285

$24

Auto-Owners Insurance Co

$311

$26

Country Financial

$321

$27

Auto-Owners Insurance Co

$378

$31

Mercury

$412

$34

GEICO

$438

$36

Auto-Owners Insurance Co

$441

$37

GEICO

$460

$38

Country Financial

$466

$39

Mercury

$472

$39

Progressive

$473

$39

State Farm

$517

$43

Progressive

$523

$44

State Farm

$523

$44

Progressive

$579

$48

Country Financial

$580

$48

Mercury

$590

$49

Allstate

$594

$50

Allstate

$604

$50

Allstate

$638

$53

Country Financial

$665

$55

State Farm

$669

$56

Auto-Owners Insurance Co

$778

$65

GEICO

$786

$66

Auto-Owners Insurance Co

$822

$69

Allstate

$909

$76

GEICO

$919

$77

Allstate

$942

$78

State Farm

$952

$79

Country Financial

$958

$80

Allstate

$961

$80

State Farm

$993

$83

Mercury

$1,004

$84

GEICO

$1,004

$84

Mercury

$1,067

$89

Progressive

$1,119

$93

Auto-Owners Insurance Co

$1,121

$93

Progressive

$1,124

$94

State Farm

$1,307

$109

Progressive

$1,460

$122

Mercury

$1,495

$125

GEICO

$1,587

$132

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MONEYGEEK’S GEORGIA CAR INSURANCE CALCULATOR

When calculating your auto insurance rates, providers consider your coverage level and personal factors like your age, location and driving history. You can use MoneyGeek’s Georgia car insurance calculator to estimate the cost of your car insurance quickly.

Average Car Insurance Costs in Georgia by Coverage Level

As your liability coverage increases, so will your car insurance rates. The average cost of car insurance in Georgia varies between $447 per year for minimum coverage to $1,092 for a full coverage policy with maximum liability limits. Buying comprehensive and collision coverage may increase your annual rate by a few hundred dollars, but you can select a higher deductible to save money on your premiums.

Average annual car insurance rates by coverage tier

A minimum coverage policy is the least expensive coverage you can buy. Although affordable, these policies lack comprehensive and collision coverage, leaving you unprotected in an at-fault accident.

Auto insurers usually offer increased liability limits shortened to 50/100/50 or 100/300/100. A 50/100/50 policy stands for:

  • $50,000 in bodily injury liability insurance per person
  • $100,000 in bodily injury liability insurance per accident
  • $50,000 in property damage liability insurance per accident

In most cases, the highest liability coverage you can get from an insurer is 300/500/300. When shopping for auto insurance, remember that liability insurance covers damage or injury to others. What makes comprehensive and collision insurance full coverage is that it covers the cost of damages to you and your vehicle.

Average Car Insurance Costs in Georgia by Age

The cost of car insurance in Georgia can be affected dramatically by the driver's age, particularly when it comes to young or new drivers. The following is a breakdown of the average cost of a full coverage policy in Georgia by age group:

  • 22–29: $1,243 per year
  • 30–59: $915 per year
  • 60+: $897 per year

Rates usually remain steady for drivers between 30 and 59, slightly decreasing after drivers reach their 60s. Young adult drivers tend to pay higher rates compared to their middle-aged counterparts. Adult drivers who start driving later in life may pay similar car insurance rates as drivers in their 20s due to their lack of experience.

Age
Annual Premium
Monthly Premium

22-29

$573

$48

22-29

$1,243

$104

30-59

$447

$37

30-59

$915

$76

60 +

$897

$75

60 +

$442

$37

Average Car Insurance Costs in Georgia for Teens

In the Peach State, teen drivers pay the most expensive auto insurance rates compared to other age groups. A 16-year-old male could spend as much as $6,220 per year on an individual policy, while the same driver on a family policy may pay an average of $2,813 annually.

As teens age and gain more driving experience, their premiums tend to decrease. A 19-year-old on a family policy pays an average of $2,290 annually, while a 22-year-old driver pays $1,777 annually. Rates also depend on the driver’s gender. For example, a 16-year-old female on a family policy pays an average of $2,436 per year — $377 less than their male counterparts. MoneyGeek recommends researching different companies to find the cheapest auto insurance for teens in Georgia.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$2,436

$203

$5,424

$452

16

$2,813

$234

$6,220

$518

17

$2,442

$204

$4,596

$383

17

$2,830

$236

$5,364

$447

18

$2,053

$171

$3,748

$312

18

$2,349

$196

$4,377

$365

19

$1,987

$166

$2,627

$219

19

$2,290

$191

$3,106

$259

20

$2,012

$168

$2,325

$194

20

$2,334

$194

$2,732

$228

21

$1,675

$140

$1,933

$161

21

$1,882

$157

$2,201

$183

22

$1,486

$124

$1,815

$151

22

$1,777

$148

$2,000

$167

23

$1,529

$127

$1,657

$138

23

$1,846

$154

$1,838

$153

24

$1,432

$119

$1,555

$130

24

$1,721

$143

$1,718

$143

25

$1,314

$109

$1,427

$119

25

$1,526

$127

$1,526

$127

Average Car Insurance Costs in Georgia for New Cars vs. Older Cars

The average cost of car insurance for an older vehicle in Georgia is $961 per year, while the average rate for new cars is $1,177 per year — a difference of 23%.

Due to their higher actual cash value (ACV), repair costs and theft risk, it is more expensive to insure a new car. Insurance companies estimate their total payouts based on the ACV of the vehicles they cover. The ACV decreases as the car ages, making it cheaper to insure.

Georgia motorists driving new cars should invest in full coverage auto insurance. This coverage will protect you from expensive repairs and replacement costs if your vehicle is stolen or damaged in an accident.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$443

$37

2022 Vehicle

$454

$38

2012 Vehicle

$484

$40

2012 Vehicle

$489

$41

2022 Vehicle

$561

$47

2012 Vehicle

$614

$51

2012 Vehicle

$956

$80

2012 Vehicle

$961

$80

2022 Vehicle

$1,136

$95

2022 Vehicle

$1,177

$98

2012 Vehicle

$1,283

$107

2022 Vehicle

$1,542

$129

Average Car Insurance Costs in Georgia by Driving Record

Your driving history significantly impacts your rates. Drivers with traffic violations tend to pay more for auto insurance than those with a clean record. Average full coverage rates for drivers with different histories are listed below:

  • Clean record: $915 a year
  • Speeding ticket: $1,184 a year
  • At-fault accident: $1,479 a year
  • DUI: $1,660 a year

Your insurance rates will depend on the severity of your infraction. For example, drivers with a DUI pay much higher rates than drivers who receive a speeding ticket. MoneyGeek recommends comparison shopping to find the most affordable provider for drivers with poor records, as insurers may offer different prices for the same driving histories.

Driving Record
Annual Premium
Monthly Premium

Clean

$442

$37

Clean

$447

$37

Ticket

$556

$46

Clean

$573

$48

Ticket

$579

$48

Ticket

$704

$59

At-Fault Accident

$710

$59

At-Fault Accident

$775

$65

DUI

$795

$66

DUI

$797

$66

At-Fault Accident

$884

$74

Clean

$897

$75

Clean

$915

$76

DUI

$960

$80

Ticket

$1,180

$98

Ticket

$1,184

$99

Clean

$1,243

$104

At-Fault Accident

$1,479

$123

Ticket

$1,517

$126

At-Fault Accident

$1,554

$130

DUI

$1,612

$134

DUI

$1,660

$138

At-Fault Accident

$1,873

$156

DUI

$2,044

$170

Average Car Insurance Costs in Georgia by Credit Score

In Georgia, your credit score can significantly impact your auto insurance rates. Drivers with excellent credit pay an average of $719 annually, while drivers with poor credit pay a yearly average of $1,559. The average insurance rates based on the driver’s credit score are as follows:

  • Excellent: $719 per year
  • Good: $874 per year
  • Fair: $1,057 per year
  • Below fair: $1,286 per year
  • Poor: $1,559 per year

It's important to compare different auto insurers in Georgia to determine the least expensive provider for drivers with poor credit, as insurers may charge different rates for lower credit scores.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$357

$30

Excellent

$363

$30

Good

$430

$36

Good

$439

$37

Excellent

$452

$38

Fair

$520

$43

Fair

$533

$44

Good

$543

$45

Below Fair

$633

$53

Excellent

$642

$53

Below Fair

$651

$54

Fair

$656

$55

Excellent

$667

$56

Excellent

$702

$58

Excellent

$719

$60

Excellent

$754

$63

Poor

$755

$63

Excellent

$765

$64

Poor

$767

$64

Good

$785

$65

Below Fair

$804

$67

Good

$814

$68

Good

$855

$71

Excellent

$861

$72

Good

$874

$73

Good

$918

$76

Good

$928

$77

Excellent

$933

$78

Poor

$937

$78

Fair

$955

$80

Fair

$987

$82

Excellent

$996

$83

Fair

$1,038

$86

Good

$1,052

$88

Fair

$1,057

$88

Fair

$1,115

$93

Fair

$1,122

$94

Good

$1,134

$94

Below Fair

$1,161

$97

Below Fair

$1,199

$100

Good

$1,207

$101

Below Fair

$1,265

$105

Fair

$1,275

$106

Below Fair

$1,286

$107

Below Fair

$1,363

$114

Below Fair

$1,369

$114

Fair

$1,370

$114

Poor

$1,383

$115

Poor

$1,450

$121

Fair

$1,459

$122

Poor

$1,507

$126

Below Fair

$1,556

$130

Poor

$1,559

$130

Poor

$1,629

$136

Poor

$1,666

$139

Below Fair

$1,675

$140

Below Fair

$1,788

$149

Poor

$1,844

$154

Poor

$1,982

$165

Poor

$2,117

$176

Average Car Insurance Costs in Georgia by City

Location significantly impacts your auto insurance rates. For example, drivers in Athens-Clarke pay an average of $864 per year for a full coverage policy, while drivers in Atlanta pay an average of $1,282. More densely populated cities like Atlanta tend to have more expensive car insurance due to their higher theft rates and increased risk of accidents.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Athens-Clarke

$1,155

$528

Athens-Clarke

$864

$401

Athens-Clarke

$827

$403

Atlanta

$1,717

$824

Atlanta

$1,282

$621

Atlanta

$1,224

$619

Augusta-Richmond

$1,237

$583

Augusta-Richmond

$920

$441

Augusta-Richmond

$885

$443

Columbus

$1,288

$591

Columbus

$957

$446

Columbus

$918

$448

Macon-Bibb

$1,327

$618

Macon-Bibb

$986

$465

Macon-Bibb

$949

$469

Sandy Springs

$1,424

$706

Sandy Springs

$1,068

$539

Sandy Springs

$1,029

$538

Savannah

$1,341

$643

Savannah

$996

$484

Savannah

$959

$486

Insurance Rates

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FAQ About Car Insurance Costs in Georgia

The best insurer for you depends on your car insurance needs and unique driving profile. MoneyGeek answered the most commonly asked questions about car insurance costs in Georgia.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.