Here are essential tips to help you shop for car insurance in Georgia confidently and save money.
Car Insurance Calculator Georgia
Updated: April 23, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Apr 24, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
MoneyGeek Score
92
/of 100
Average Monthly Payment$64/mo
2
GEICO
MoneyGeek Score
74
/of 100
Average Monthly Payment$94/mo
3
Nationwide
MoneyGeek Score
88
/of 100
Average Monthly Payment$104/mo
MoneyGeek Score
67
/of 100
Average Monthly Payment$127/mo
5
Foremost
MoneyGeek Score
70
/of 100
Average Monthly Payment$138/mo
MoneyGeek Score
71
/of 100
Average Monthly Payment$155/mo
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Key Takeaways
Insurers in Georgia will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance cost estimates in Georgia can range anywhere from $735 to $5,628 per year depending on a variety of factors.
To get the best deal on Georgia car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Georgia Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage level before shopping to avoid being upsold. Consider your location, driving habits, vehicle and financial situation to assess costs. Use our calculator to see how much coverage you need.
Research Costs and Discounts for You
Check average car insurance costs in Georgia for your chosen coverage and driver profile to understand potential savings. Look for discounts you might qualify for to discuss with agents for more savings.
Research the Cheapest Providers for You
With your coverage and cost research, get provider estimates before quotes. This helps identify where to begin comparing quotes and who offers the cheapest car insurance in Georgia for you.
Compare Multiple Providers Through Many Avenues
Comparing providers can lead to significant savings in Georgia. Savings can reach 54% on full coverage and 57% on minimum coverage. Use comparison sites, brokers, insurer websites and agencies as prices vary.
Take Advantage of Georgia-Specific Programs
If you're a high-risk driver, Georgia provides a Driver Improvement Program that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance suit those driving less than average. Telematics insurance rewards good driving with discounts up to 40%. Automaker insurance programs may offer savings and additional benefits.
What Affects Your Georgia Car Insurance Estimates?
Overall, your car insurance premium in Georgia is calculated based on four core areas including vehicle details, your driver profile, location and the provider you choose. You can click on the links below to learn more about how each affects rates particular to Georgia drivers:
How Much Does Provider Chosen Affect Georgia Car Insurance Estimates?
The provider you choose is the most influential factor affecting the car insurance estimates and quotes in Georgia. Depending on the provider, your rates can drop 34% or increase by as much as 24% compared to the average for Georgia drivers.
| Lowest | Auto-Owners Insurance Co | $81 | $977 |
| Highest | Progressive | $153 | $1,842 |
How Much Does Age Affect Georgia Car Insurance Estimates?
Compared to other factors, age is the second most influential factor in determining your car insurance rates in Georgia. Rates can increase as much as 112% and decrease by up to 41% depending on what age you are. Car insurance premiums are highest when you are 16, decrease until you are 65 and then slightly increase after that point.
| Lowest | 65 | $119 | $1,428 |
| Highest | 16 | $469 | $5,628 |
How Much Does Credit Affect Georgia Car Insurance Estimates?
Credit score level influences car insurance rates in Georgia the third most when compared to other factors. The better your credit score is, the lower your car insurance rates will be. Rates can vary from $82 monthly to $181 per month on average for full coverage policies.
| Lowest | Excellent | $82 | $988 |
| Highest | Poor | $181 | $2,177 |
How Much Does Coverage Affect Georgia Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Georgia, causing rates to vary anywhere from $735 per year for minimum coverage to $1,710 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $61 | $735 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $142 | $1,710 |
How Much Does Driving Record Affect Georgia Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Georgia with rates changing up to 23%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $124 | $1,484 |
| Highest | DUI - BAC >= .08 | $207 | $2,485 |
How Much Does Location Affect Georgia Car Insurance Estimates?
In the Peach State, location ranks as the sixth most influential factor in auto insurance rates. Typically, higher population density and weather risks mean pricier insurance. Athens offers the lowest rates at $136, while Atlanta tops the list at $200.
| Lowest | Athens | $136 | $1,630 |
| Highest | Atlanta | $200 | $2,397 |
Georgia Car Insurance Calculator: Bottom Line
Before you decide, look into car insurance costs, coverage and companies. Use our calculator for an estimate. Then, gather quotes and compare them with our numbers. Match them up to find the best, affordable plan for you.
Georgia Car Insurance Estimate: FAQ
Below you will find answers to common questions about Georgia car insurance costs and estimates:
What is used to determine Georgia car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there, the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Georgia car insurance on average?
On average, Georgia car insurance ranges from $60 per month to up to $390 monthly.
How do I get the best car insurance in Georgia?
To secure the best car insurance in Georgia, thoroughly review coverage options, compare rates from various insurers and utilize online tools to assess premiums for optimal value.
Our Georgia Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
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.