How Much Is Car Insurance in Georgia? (June 2024)

The average annual cost for full coverage car insurance in Georgia is $1,231. Minimum coverage costs around $602 per year.

Several factors determine your car insurance premium, including your age, the coverage level you choose, where you live, your driving record and your credit history.

The average cost of full coverage car insurance in Georgia is $1,231 per year. Knowing the average cost of car insurance helps you assess if you're getting a fair quote from insurers. For additional savings, consider comparing car insurance quotes.

Below are the average costs for car insurance in Georgia. These figures show what you might pay monthly or annually for minimum or full coverage.

Car insurance in Georgia is more expensive, with the average annual premium for state minimum coverage at $602 or $50 per month. In contrast, the national average cost of car insurance for minimum coverage is lower at $573 per year or $48 per month.

This comparison indicates that Georgia's insurance rates are higher than many other states. Several factors influence these costs, such as the higher likelihood of auto accidents, severe weather risks and urban population density, which increase the chances of theft and vandalism. Georgia's legal system and insurance regulations also contribute to higher insurance premiums.

Car insurance premiums can vary greatly from one company to another, even within the same state. In Georgia, Auto-Owners offers the cheapest full coverage at an annual premium of $844. Progressive has the most expensive average premium at $1,676 per year. Compare car insurance quotes to discover the cheapest car insurance in Georgia and find an affordable policy that provides the protection you need.

In Georgia, car insurance costs are also determined by the coverage level selected. Minimum coverage averages $50 per month, whereas full coverage with a $1,000 deductible is approximately $103 per month.

Although it costs more, opting for a full coverage car insurance policy is recommended due to its extensive protection against various incidents. Adding comprehensive and collision coverages will raise premiums, but selecting higher deductibles can offset some of the increased costs. Note that each comprehensive and collision coverage comes with its own deductible amount, signifying the out-of-pocket expense before insurance benefits apply.

In Georgia, the minimum car insurance requirements include $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability per accident.

Your location in Georgia can heavily influence your car insurance premium. Athens-Clarke is the city with the cheapest full coverage at $864 per year. Atlanta has the most expensive full coverage at around $1,282 per year.

Location influences car insurance rates with factors like accident frequency, vehicle theft rates and the likelihood of natural disasters. The number of uninsured drivers and the general cost of repairs and medical care in the area also determine insurance costs.

Age influences car insurance rates in Georgia. Younger drivers under 30 typically face higher premiums due to their lack of driving experience and being perceived as higher risk by insurers. However, as experience increases with age, premiums generally decrease, making car insurance more affordable for mature drivers.

Age and gender also impact car insurance rates in Georgia, with 16-year-old male drivers facing the highest premiums. When added to a family policy, the average annual cost for a 16-year-old male is $2,813.

It's usually illegal for teenagers under 18 to buy car insurance without an adult to co-sign. If a 16-year-old male opts for an individual policy, the annual premium rockets to $6,220 per year.

The average annual cost of full coverage car insurance for a 2012 model is $961. The same coverage for a 2022 model surges to $1,177 per year. The rate increase for newer models is due to their higher actual cash value, more expensive repair costs and increased risk of theft.

Drivers of new vehicle models are advised to get comprehensive and collision coverage to protect their investment against various incidents, including accidents, natural disasters, and vandalism.

The average cost of car insurance in Georgia can vary depending on your driving record. Here's a look at how different violations can affect your premiums:

• With a ticket: $1,572 per year; $131 per month
• With an at-fault accident: $1,964 per year; $164 per month
• With a DUI: $2,188 per year; $182 per month

In Georgia, the more severe the violation, the more you'll pay for car insurance. Your premiums will remain higher as long as the violation stays on your record. The duration of the impact varies per state. For instance, a DUI in Georgia can stay on your driving record for up to 10 years, influencing your insurance costs for a long time.

Explore the table below and sort by coverage and age group to determine the average cost of insurance in Georgia for different driving records.

Drivers in Georgia can expect to pay anywhere from $719 to $1,559 per year for car insurance, largely based on their credit score. Your credit score influences your car insurance rates, as insurers view it as a measure of reliability. A good credit score, ranging from 670 to 739, can net you more affordable premiums, whereas falling below this range can lead to higher costs.

Understanding car insurance rates in Georgia is important as they can vary widely based on individual circumstances. Here are key factors that impact the cost of your car insurance in the Peach State:

• Driving Record: A clean driving record typically results in lower car insurance rates, while traffic violations or accidents indicate higher risk and can increase premiums.

• Age and Gender: Younger drivers, especially males, may face higher rates due to statistically higher risks associated with their demographic.

• Vehicle Type: The make, model and year of your vehicle influence the cost of coverage, with high-performance or luxury cars generally costing more to insure.

• Credit Score: Many insurers in Georgia use credit scores to help determine the risk of insuring a driver, with higher scores often leading to more affordable premiums.

• Coverage Level: Opting for more than the state minimum coverage can provide better protection but will also affect the cost of your insurance. However, you should consider the benefits of additional coverage like collision insurance and comprehensive insurance.

• Location: Insurance rates can vary even within Georgia, as urban areas with higher crime rates or traffic congestion may experience higher premiums than rural areas.

• Claim History: A history of claims can indicate a higher risk to insurers, potentially leading to increased rates for car insurance.

• Deductible Amount: The chosen deductible amount has an inverse relationship with premiums: the higher your deductible, the lower your insurance costs may be.

By understanding these factors, you can better navigate your options and find a car insurance plan that balances affordability with adequate coverage.

To secure affordable car insurance in Georgia, compare rates, raise your deductible and leverage all applicable discounts.

Our answers to frequently asked questions about the average cost of car insurance in Georgia aim to clarify factors affecting costs to help you find a policy that balances cost with the level of protection you seek.