Georgia Car Insurance Calculators

• Our Georgia rate data comes from Quadrant Information Services, which pulls premium data directly from insurer filings with state regulators. Every rate filed in Georgia is a matter of public record.
• We track every residential ZIP code in Georgia and update rates monthly.
• Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, authors and Mark Friedlander of the Insurance Information Institute reviews all content on this page.
• Our editorial standards ensure our recommendations are never influenced by our carrier relationships. Our rating guidelines apply the same criteria to every insurer we analyze.

1. Your insurer choice, biggest factor you control: The gap between the cheapest and most expensive carrier for the same Georgia driver can exceed $200 per month for identical coverage. In our analysis, GEICO charges $42 per month for minimum coverage while some carriers charge three times that for the same driver and coverage level. Your rate goes down when you shop. Your rate stays high when you don't. Getting at least three quotes before buying or renewing is the single most effective thing you can do.

2. Your ZIP code can push your rate up or down by $350 per year: Atlanta drivers pay $97 per month for minimum coverage while Albany drivers pay $68 per month for the same coverage, a $29 monthly or $348 annual gap based solely on location, according to MoneyGeek's analysis. Moving from a dense urban ZIP to a suburban or rural one consistently lowers rates. Atlanta's I-285 corridor, high traffic density and above-average uninsured driver rate push metro premiums up. Rural and smaller city ZIP codes in Georgia run below the state average.

3. Your age, rates fall sharply as you build experience: A 16-year-old in Georgia pays $376 per month for full coverage while a 60-year-old pays $193 per month for the same coverage. Your rate drops most sharply at 18, 21 and 25 as you build a clean record. It reaches its lowest point in middle age. After 65, rates begin to rise gradually as accident risk increases with age.

4. Your credit score, one of the largest cost adders in Georgia: Georgia allows insurers to use credit scores when setting rates. Drivers with excellent credit pay an average of $111 per month for full coverage while drivers with poor credit pay $270 per month, a $159 monthly or $1,908 annual gap for identical coverage. Your rate goes down as your credit improves. Paying down debt and keeping balances low can move your insurance score meaningfully before your next renewal. This is one of the few factors where action you take today shows up in your premium within a year.

5. Your driving record , violations raise your rate: A single violation raises your rate as soon as your policy renews and keeps it elevated for three years for most offenses, according to the Georgia Department of Driver Services. An at-fault accident raises Georgia rates by an average of $62 per month. A DUI raises rates by an average of $112 per month and triggers an SR-22 filing. Under Georgia Senate Bill 121, DUI convictions now also require a minimum of 50/100/50 in liability coverage, well above the state minimum. Your rate comes back down when violations age off your record. Re-shopping at that point consistently produces lower rates than staying with your current carrier.

6. Your coverage level,  minimum coverage keeps costs down, full coverage increases cost: Georgia requires 25/50/25 in liability coverage at minimum, which costs $68 per month on average. Adding collision and comprehensive to meet full coverage brings that to $135 per month. Higher liability limits, uninsured motorist coverage and add-ons like gap insurance each add to your rate. If your lender requires full coverage, your rate reflects that. If you own your car outright, you have more flexibility to choose your coverage level. See your personalized coverage recommendation below to find the right balance for your situation.

7. Your vehicle, theft and repair costs matter more in Georgia: Your car's make, model, year and trim all affect your rate. Insurers look at repair costs, theft rates and safety ratings. Georgia ranks among the top 10 states nationally for vehicle theft with over 25,000 cars stolen in 2023, concentrated heavily in Atlanta and surrounding counties. A higher-value vehicle or a model with a high theft rate raises your comprehensive premium. A vehicle with expensive parts raises your collision premium. Driving a lower-value, highly rated safety vehicle in a lower-theft area is one of the few vehicle-related ways to bring your rate down.

Your coverage calculator results give you a personalized recommendation for the following coverages:

• Bodily injury liability Pays for medical costs and lost wages for anyone injured in an accident you cause. Georgia requires $25,000 per person and $50,000 per accident at minimum. MoneyGeek recommends at least 100/300 for drivers with assets to protect. The cost difference between state minimums and 100/300 is typically $15 to $30 more per month.
• Property damage liability Pays for damage you cause to other vehicles, fences, buildings or other property. Georgia requires $25,000 minimum, which covers less than the average new car. Your recommendation reflects your actual asset level and risk exposure.
• Uninsured and underinsured motorist coverage Pays your costs when the at-fault driver has no insurance or not enough to cover what they owe you. With one in four Georgia drivers uninsured, this is one of the most valuable coverages you can carry in this state.
• Collision and comprehensive Collision pays to repair or replace your car after an accident regardless of fault. Comprehensive covers theft, weather damage, vandalism and animal strikes. Both are required by lenders on financed or leased vehicles. Georgia's severe thunderstorm and tornado exposure make comprehensive especially valuable here. See our guide on when to drop full coverage if you own your car outright.
• Gap insurance Pays the difference between your car's actual cash value and what you still owe on the loan if it's totaled. Worth considering for any recently financed vehicle where the loan balance exceeds the car's current market value.
• A note for drivers with a DUI: Georgia requires an SR-22 filing after a DUI conviction. Under Georgia SB 121, drivers convicted of DUI must now carry at least 50/100/50 in liability coverage, well above the state minimum. Confirm your carrier files SR-22 certificates and can meet the higher required limits before buying a policy.