Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Georgia Average car insurance cost in Georgia A full-coverage car insurance policy in Georgia costs an average of $2,739 a year or $228 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 30, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in Georgia, your monthly cost for full coverage car insurance is $228, which adds up to $2,739 per year. For minimum coverage, expect to pay an average of $65 monthly, or $780 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $2,739 Average per month cost $228 Average cost for state minimum coverage $1,058 / Year Cheapest car insurance company Progressive($1,980 / Year) Average cost for young drivers $4,484 / Year Average cost for Senior drivers $2,824 / Year Average car insurance cost in GeorgiaIf you’re a resident of Georgia, full coverage car insurance typically costs about $228 per month, adding up to $2,739 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $65, or $780 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in GeorgiaIf you’re looking for affordable insurance, Progressive tops the list of the cheapest car insurance companies. Its average annual cost is $1,980 per year or $165 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also provides affordable insurance rates in Georgia for a full coverage policy at an average annual insurance cost of $2,248 or $187 monthly.While these companies offer some of the lowest average premiums in Georgia, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Georgia Graph Table Company nameAverage per month costAverage annual costProgressive$165$1,980GEICO$187$2,248Auto-Owners$189$2,266Country Financial$212$2,545Central Insurance$223$2,681Allstate$256$3,067Safeway Insurance$284$3,412Mercury Insurance$291$3,495State Farm$342$4,107USAA*$144$1,728*USAA is only available to military community members and their families.Powered by: Georgia car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Georgia Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Georgia Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$1,749/year Full Coverage$3,483/yearRecommended Get Quotes Get Quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in GeorgiaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $65 per month, or $780 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Georgia, the average cost for full coverage is $228 per month, or $2,739 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$780Liability only$1,058Full coverage$2,739Non-owner state minimum liability$407Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Georgia by cityAtlantaAugustaSavannah Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Georgia by cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Atlanta, Macon or Sandy Springs, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Athens or Augusta pay significantly low insurance rates, on average between $2,533 and $2,702 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.CityAverage annual costAthens$2,533Augusta$2,702Columbus$2,768Johns Creek$2,877Roswell$2,883Savannah$2,960Sandy Springs$3,002Macon$3,029Atlanta$3,438Powered by:Average car insurance cost in Georgia by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Georgia, based on age and gender.Average car insurance cost in Georgia for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Georgia pays an average of $6,094 annually for car insurance, compared to $5,007 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $3,485 per year for male drivers and $3,289 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$6,094$5,00721$5,107$4,37922$4,689$4,15223$4,093$3,75924$3,830$3,567Powered by:Average car insurance cost in Georgia for adult driversAn adult driver aged 25-60 in Georgia pays $2,804 annually for full coverage, or around $234 each month. Women in the same age group pay $2,757 per year or $230 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,485$3,28930$2,970$2,94535$2,865$2,84940$2,739$2,73945$2,711$2,69750$2,591$2,55755$2,561$2,49260$2,526$2,494Powered by:Average car insurance cost in Georgia for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,638 annually, while women pay $2,601.By 70, average rates go up to $2,819 for men and $2,743 for women. At age 75, costs increase further, reaching $3,142 for men and $2,996 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,638$2,60170$2,819$2,74375$3,142$2,996Powered by:Minimum car insurance requirements in GeorgiaWhether you’re buying your first insurance policy or just moved to Georgia, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Georgia must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in GeorgiaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda CR-V tops the list for cheapest car to insure in Georgia at an average cost of $2,240 a year, followed closely by Mini Cooper Countryman JCW at $2,283 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumHonda CR-V$2,240Mini Cooper Countryman JCW$2,283Volkswagen Tiguan$2,288Mini Cooper Electric$2,294Subaru Forester$2,328Honda Pilot$2,345Honda HR-V$2,386Acura RDX$2,416Honda Odyssey$2,444Chevrolet Equinox$2,448Powered by:Most expensive cars to insure in GeorgiaMercedes-AMG EQS tops the list as the most expensive car to insure in Georgia, at an average annual cost of $8,156. Below is a list of the most expensive vehicles to insure in Georgia and their average annual premiums.Make ModelAverage annual premiumMercedes-AMG EQS$8,156BMW M8 Gran Coupe$7,134Maserati Quattroporte$6,940BMW M8$6,857BMW i7$6,842Maserati Ghibli$6,691Audi RS7$6,644Audi RS6$6,641Audi e-tron GT$6,441Mercedes-Benz S-Class$6,354Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-26Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in GeorgiaCheapest car insurance companies in GeorgiaAverage cost of car insurance by coverage levels in GeorgiaAverage car insurance cost in Georgia by cityAverage car insurance cost in Georgia by ageMinimum car insurance requirements in GeorgiaCheapest cars to insure in GeorgiaMost expensive cars to insure in GeorgiaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330