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: December 18, 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 live in Georgia can expect to pay an average of $228 per month for full coverage car insurance – that’s $2,739 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $65 monthly or $780 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.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. Vehicle year Vehicle year20242023202220212020201920182017201620152014 State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Vehicle make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S Vehicle already present. 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 citySee rates in your 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 cityCar insurance rates can vary widely depending on where you live, even within Georgia.Cities like Atlanta, Macon, or Sandy Springs tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Athens or Augusta, with average annual premiums between $2,533 and $2,702.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Georgia for full coverage, depending on your age and gender.Average car insurance cost in Georgia for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Georgia, 20-year-old male drivers pay an average of $6,094 per year for car insurance, while their female counterparts pay $5,007 for the same coverage.However, by age 25, average car insurance costs drop to about $3,485 per year for male drivers and $3,289 for female drivers.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 per year for full coverage, or $234 each month. Female drivers of the same age pay $2,757 annually or $230 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.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 driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,638 per year, and women pay $2,601.By age 70, those averages increase to $2,819 for men and $2,743 for women. At 75, premiums rise again, reaching $3,142 for male drivers and $2,996 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely 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 GeorgiaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda CR-V has the lowest premium, at an average of $2,240 a year, closely followed by Mini Cooper Countryman JCW, with an average annual car insurance cost of $2,283.The table below shows the cheapest cars to insure and their average annual rates.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 is one of the most expensive vehicles to insure in Georgia, with an average annual cost of $8,156.Below is a list of the costliest vehicles to insure in Georgia and their average 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:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers 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 limits Liability-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:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior 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 states No matches are found Shivani GiteContributing Writer | . .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. You might find interesting Explore related topics Car insurance calculator for teens in GeorgiaCheapest SR-22 insurance in GeorgiaDo you need insurance to register a car in Georgia?Georgia car insurance calculatorGeorgia car insurance: Rates, state minimum requirements and best companiesHow long does a speeding ticket stay on your record in GeorgiaHow much car insurance costs in Georgia vs. FloridaHow much is gap insurance in GeorgiaLow-cost car insurance in GeorgiaNon-owner car insurance in Georgia: Which company has the cheapest rates?The best, cheapest car insurance in GeorgiaBest and cheapest companies for home and auto bundles in GeorgiaSee more Explore other insurance options in Georgia The best, cheapest car insurance in Georgia Average renters insurance cost in Georgia Average homeowners insurance cost in Georgia In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month a lot for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2026? 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