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You can get a quick estimate of car insurance costs in Georgia using MoneyGeek’s car insurance calculator. We also analyzed different criteria that impact the cost of car insurance to help you understand the factors that may be driving up your premiums.
Georgia Car Insurance Calculator: How it Gets You an Instant, Free Estimate
To get a finalized car insurance quote in Georgia, insurers will require you to provide details about yourself and the car you want to be insured. This process takes an average of 10 to 15 minutes.
MoneyGeek’s car insurance calculator for Georgia allows you to get an estimate of car insurance rates per year or per month based on your age, driving record, vehicle type and coverage levels.
Our calculator shows the factors that have the biggest impact on car insurance in Georgia are adding a teen driver to a policy, the driver's age and coverage level. However, the biggest factor for you may change depending on your unique combination of characteristics.
The cheapest insurance company in Georgia for you depends on several factors, but our calculator can get you a close estimate. Our default driver pays $734 per year for car insurance with GEICO, the cheapest widely-available insurer in Georgia.
While cost is important, the quality of coverage and customer service are also important factors to consider when looking for the best car insurance company.
- You can use MoneyGeek’s car insurance calculator to get quick estimates or browse our collection of sample driver profiles to find the cheapest car insurance in Georgia.
- MoneyGeek analyzed the average cost of car insurance in Georgia to help you compare car insurance rates for different states.
- MoneyGeek ranked the best car insurance companies in Georgia to help you find the best balance of affordability and quality service.
How Car Insurance Premiums are Calculated in Georgia
Car insurance companies in Georgia use a variety of factors to determine the cost of your car insurance. In Georgia, adding a teen driver to your policy, your age and the level of coverage you choose are the most important factors when insurers are calculating your premiums. Adding a teen driver to your policy can be the biggest impacting factor on your rates. This may increase your car insurance premiums by 3.1x in Georgia.
How Much Adding a Teen Driver Matters in Calculating Car Insurance in Georgia
When you add a teen driver to your policy in Georgia, your car insurance costs can increase by 3.1x. This is because inexperienced young drivers are at a higher risk for accidents. As a result, insurers charge more to insure them.
How Much Age of Driver Matters in Calculating Car Insurance in Georgia
Age is an important rating factor in the cost of car insurance in Georgia. Middle-aged drivers tend to be at a lower risk for accidents compared to younger drivers as well as senior drivers. This means that car insurance rates in Georgia will be significantly higher for 19- to 20-year-old drivers compared to middle-aged drivers who are 40 years of age.
Car insurance premiums in Georgia can increase by 2.6x depending on your age.
How Much Coverage Level Matters in Calculating Car Insurance in Georgia
The level of coverage you purchase will impact how much you pay for car insurance in Georgia. The higher the level of coverage you choose, the higher your premiums are likely to be. A liability-only policy in Georgia is the most affordable option. The highest annual rate is for full coverage car insurance with liability limits of 100/300/100 and a $500 deductible.
Your premiums in Georgia can vary by 2x depending on your coverage levels.
How Much Credit Score Matters in Calculating Car Insurance in Georgia
Credit score impacts how much you pay for car insurance in Georgia. Drivers with excellent credit scores will typically pay less for car insurance compared to drivers with poor credit scores, as they are less likely to file claims.
Georgia drivers with a poor credit score pay 2x more for car insurance compared to those who maintain an excellent credit score.
How Much Car Model Matters in Calculating Car Insurance in Georgia
Insurers consider the car model you want to insure when calculating car insurance costs in Georgia. Luxury cars that cost more to repair will typically have higher insurance costs compared to low-value cars. This is because insurance providers will usually consider how much it would cost to repair or replace your car in case of damage or loss when determining the appropriate premiums.
In Georgia, your car insurance rates can increase by 2x if you are insuring a luxury car.
How to Calculate How Much Car Insurance You Need in Georgia
If you want to get a car insurance quote, it is important to first figure out how much car insurance you need. How much insurance you buy will significantly impact the cost of your car insurance in Georgia.
Georgia laws require all drivers to have minimum coverages of bodily injury liability per person and per accident and property damage liability. However, buying comprehensive coverage and additional liability coverage may offer better protection depending on your particular needs.
Understand Georgia car insurance requirements
You can calculate how much car insurance you need in Georgia by looking up Georgia’s minimum car insurance requirements. A state minimum policy in Georgia only protects you for $25,000 bodily injury liability per person, up to a total of $50,000 bodily injury liability per accident and $25,000 for property damage. This means you are not covered for damage to your car since Georgia law does not require you to have comprehensive and collision insurance.
Consider Purchasing Additional Liability Insurance
If you want to protect yourself against the costs of a major accident, you may need to purchase additional liability insurance above the Georgia state minimums.
A policy with $300,000 in bodily injury liability per accident costs an average of $1,355 per year in Georgia compared to roughly $892 per year for a minimum liability policy.
Decide whether or not to buy comprehensive and collision insurance
When you want to calculate how much car insurance you need in Georgia, it is important to consider whether or not you need a full coverage policy. A full coverage policy carries comprehensive and collision insurance to cover you for damages to your car.
The cost of adding comprehensive and collision coverage with a $1,000 deductible is an average of $390 per year in Georgia. However, if the value of your car is lower than the cost of a comprehensive insurance policy, a liability-only policy might be more cost-effective.
Consider buying additional protection besides these core coverages
Uninsured motorist insurance is not required in Georgia. However, since up to 12.4% of motorists in Georgia are uninsured, uninsured motorist insurance is an affordable way to protect yourself in case of an accident with an uninsured driver who is at fault.
Georgia drivers can also opt to purchase medical payments coverage to cover the cost of medical expenses in a crash.
Frequently Asked Questions About How Car Insurance is Calculated in Georgia
You can find out more about car insurance costs in Georgia from answers to the most frequently asked questions below.
MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Georgia. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.
About Mark Fitzpatrick