Georgia Car insurance calculator

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If you drive in Georgia, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Georgia car insurance calculator.

It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Georgia, giving you the insight you need to confidently choose coverage.

How to use our car insurance calculator to estimate your rates in Georgia:

Step 1: Choose the model year of your car.
Step 2: Choose the make and model of your car.
Step 3: Choose your state.
Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Updated with latest data

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*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 2023 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.

Does your vehicle model affect car insurance rates in Georgia?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in Georgia is $2,866, while the average premium for a Honda CR-V is $2,240 – that’s a difference of $626 annually.

How your car’s model year affects insurance rates in Georgia

In Georgia, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $5,336 year to insure, whereas the 2024 model costs $2,589 annually.

Know the minimum insurance you need in Georgia

Every state has specific car insurance requirements. In Georgia, you must carry at least the minimum liability coverage to drive legally, which generally includes:

Bodily injury liability per person and per accident
Property damage liability

While these limits meet Georgia’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or vehicle impoundment.

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 city

Atlanta

Augusta

Savannah

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How your car’s trim affects insurance rates in Georgia

Your car’s trim is one of the factors insurers use to calculate premiums in Georgia. Insurance companies take into account the car’s value, safety features, repair expenses and theft rates. As a result, trims with luxury features or powerful engines tend to be more costly to insure.

Full coverage car insurance for a 2023 Honda Accord LX in Georgia is about $5,336 per year. On the other hand, the 2023 Honda Accord EX-L trim costs $4,390, which is $946 annually.

Higher-end trims often come with expensive features like luxury interiors or advanced infotainment systems, which make the vehicle more costly to replace. Performance trims with bigger engines may also carry higher premiums due to the added risk associated with faster driving.

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Car insurance estimate in Georgia

Drivers in Georgia pay an average of $2,739 per year or $228 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in Georgia. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,739	$228
Liability Only – 50/100/50 BI/PD	$1,058	$88
State Minimum BI/PD	$780	$65
Non-Owners	$407	$34

How much is car insurance in Georgia by city

In Georgia, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Lithonia pay about $4,057 per year for a full coverage policy, where as drivers in Naylor pay $1,973 annually.

Top 20 cities with cheapest car insurance rates in Georgia

City	Avg. Annual Premium	Avg. Monthly Premium
Naylor	$1,973	$164
Valdosta	$2,088	$174
Du Pont	$2,090	$174
Dalton	$2,104	$175
Quitman	$2,106	$175
Moody AFB	$2,111	$176
Cohutta	$2,118	$176
Rocky Face	$2,146	$179
Lake Park	$2,148	$179
Hahira	$2,159	$180
Homerville	$2,161	$180
Fargo	$2,166	$180
Statenville	$2,179	$182
Sugar Valley	$2,180	$182
Argyle	$2,181	$182
Folkston	$2,217	$185
Jekyll Island	$2,236	$186
St. Marys	$2,240	$187
Wiley	$2,245	$187
Resaca	$2,246	$187

Top 20 cities with most expensive car insurance in rates Georgia

City	Avg. Annual Premium	Avg. Monthly Premium
Lithonia	$4,057	$338
Clarkston	$4,036	$336
Candler-McAfee	$4,032	$336
Redan	$4,022	$335
East Point	$3,900	$325
Stone Mountain	$3,870	$322
Decatur	$3,836	$320
Scottdale	$3,827	$319
Ellenwood	$3,809	$317
College Park	$3,788	$316
Union City	$3,619	$302
Avondale Estates	$3,594	$300
Fairburn	$3,548	$296
Forest Park	$3,528	$294
Conley	$3,492	$291
Morrow	$3,487	$291
Rex	$3,475	$290
Riverdale	$3,441	$287
Atlanta	$3,438	$286
Conyers	$3,414	$285

Want to know what you’ll pay? Use the Georgia car insurance calculator

Use the Georgia car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal.

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Washington, D.C.$3,394/Year

Delaware$3,097/Year

Florida$3,852/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

Shivani Gite

Contributing 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.

On this page

How to use our car insurance calculator to estimate your rates in Georgia:
Does your vehicle model affect car insurance rates in Georgia?
How your car's model year affects insurance rates in Georgia
How your car's trim affects insurance rates in Georgia
Car insurance estimate in Georgia
How much is car insurance in Georgia by city
Want to know what you'll pay? Use the Georgia car insurance calculator

Georgia car insurance calculator