How much car insurance costs in Georgia vs. Florida

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Car insurance rates can look very different depending on where you live. Premiums in Georgia and Florida vary widely due to differences in state insurance laws, traffic patterns, claims trends and even weather risks.

For example, drivers in Georgia pay an average of $209 per month for car insurance. In Florida, the same level of coverage costs about $326 monthly.

If you’re planning a move — or just wondering how your ZIP code affects what you pay — understanding these differences can help you budget smarter and choose the right coverage for your situation.

Average car insurance rates in Georgia vs. Florida

In Georgia, drivers pay an average of $209 per month for car insurance, compared with $326 per month in Florida.

For a standard six-month policy, that works out to $1,252 in Georgia and $1,958 in Florida.

Overall, drivers in Florida typically pay higher premiums than those in Georgia. While statewide averages show a clear difference, your personal rate may be higher or lower depending on factors such as your driving history, age, vehicle type, coverage limits and ZIP code.

Below is an overview of average car insurance rates in Georgia and Florida.

Premium type	Georgia	Florida
Avg. Monthly Premium	$209	$326
Avg. 6 Month Premium	$1,252	$1,958
Avg. Annual Premium	$2,503	$3,916

How car insurance rates compare by coverage level in Georgia and Florida

Car insurance costs in Georgia and Florida vary based on the coverage level you select. In Georgia, full coverage averages $2,503 per year, compared with $3,916 annually in Florida.

Those differences reflect how insurers price policies in each state based on overall claims data, vehicle values and driver risk profiles.

Coverage level affects cost because:

Full coverage includes liability, collision and comprehensive protection.
Liability-only coverage pays for damage or injuries you cause to other drivers but does not cover your own vehicle.
State minimum liability meets only the legal coverage requirements in each state.

The table below compares average premiums across common coverage types in Georgia and Florida.

Coverage types	Georgia	Florida
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,503	$3,916
State Minimum BI/PD	$860	$1,228
Liability Only – 50/100/50 BI/PD	$964	$1,635
Non-Owners	$510	$668
Gap Insurance	$2,502	$4,297
SR22 with 1 DUI	$4,900	$5,670

Cheapest car insurance companies in Georgia vs. Florida

Even within the same state, car insurance prices can differ widely from one company to another. To help you compare your options, we’ve highlighted the insurers offering the lowest average rates in both Georgia and Florida. These numbers give you a starting point — but your personal rate may vary.

Cheapest car insurance companies in Georgia

In Georgia, Progressive offers the lowest average rate at $1,807 per year. Followed by:

GEICO: $2,227
Auto-Owners: $2,231

The table below shows car insurance providers in Georgia with the most affordable car insurance rates.

Company	Annual rate
Progressive	$1,807
GEICO	$2,227
Auto-Owners	$2,231
Allstate	$2,271
Mercury Insurance	$3,467
Safeway Insurance	$4,119
USAA*	$1,716

*USAA is only available to military community members and their families.

Cheapest car insurance companies in Florida

In Florida, Travelers offers the lowest average annual rate at $2,448 per year. Other affordable options include:

State Farm: $2,758 per year
UAIC: $2,837 per year

Below, you see car insurance providers with the most affordable rates for drivers in Florida.

Company	Annual rate
Travelers	$2,448
State Farm	$2,758
UAIC	$2,837
GEICO	$2,974
Mercury Insurance	$3,643
Allstate	$5,064
Progressive	$5,676
AIG	$6,137

How to find the cheapest car insurance in your state

Compare at least three quotes
Ask about discounts
Adjust deductibles carefully
Review coverage limits

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Average car insurance rates by ZIP code in Georgia and Florida

Car insurance rates can vary significantly by ZIP code — even within the same state. Insurers use location-based data when setting premiums, which means two drivers with similar profiles could pay different rates depending on where they live.

Below is a comparison of average car insurance costs by ZIP code in Georgia and Florida.

How much does car insurance cost by ZIP code in Georgia?

In Georgia, rates can differ noticeably across ZIP codes. Among the most populous ZIP codes analyzed, 30041 has the lowest average annual premium at $2,380.

Here’s a closer look at how average car insurance rates compare across ZIP codes in Georgia.

ZIP code	City	Annual rate
30041	Cumming	$2,380
30040	Cumming	$2,450
30052	Loganville	$2,845
30043	Lawrenceville	$2,851
30044	Lawrenceville	$2,953
30127	Powder Springs	$2,969
30096	Duluth	$2,998
30024	Suwanee	$3,008
30281	Stockbridge	$3,108
30349	Atlanta	$3,395

How much does car insurance cost by ZIP code in Florida?

Among the most populous ZIP codes analyzed, drivers in ZIP code 33311 pay an average of $5,195 per year. In comparison, drivers in ZIP code 32259 pay about $3,403 annually.

The table below shows how average car insurance premiums compare across ZIP codes in Florida, giving you a clearer picture of how location may impact your rate.

ZIP code	City	Annual rate
32259	Fruit Cove	$3,403
34787	Winter Garden	$3,753
34953	Port St. Lucie	$3,927
32218	Jacksonville	$4,049
33647	Tampa	$4,569
33024	Hollywood	$4,905
33411	Royal Palm Beach	$4,945
33025	Miramar	$4,965
33023	Miramar	$5,103
33311	Fort Lauderdale	$5,195

What are the top car insurance companies in Georgia and Florida?

The top car insurance companies in Georgia and Florida are ranked based on overall performance and customer satisfaction scores. Below, we highlight the highest-rated insurers in each state, using standardized comparisons of financial strength, complaints data and service ratings.

What are the top car insurance companies in Georgia?

In Georgia, GEICO ranks highest overall, with a score of 4.64 and a customer satisfaction rating of 0.60.

Close behind is Progressive, earning an overall ranking of 4.56 and a satisfaction score of 0.60.

The table below shows the highest-rated car insurance companies in Georgia, based on overall score and customer satisfaction.

Company	Overall ranking	Customer Satisfaction Index Ranking
GEICO	4.64	670
Progressive	4.56	645
Auto-Owners	4.50	654
Allstate	3.98	654
Mercury Insurance	2.67	594
USAA*	4.52	749

*USAA is only available to military community members and their families.

What are the top car insurance companies in Florida?

In Florida, GEICO leads with an overall ranking of 4.84 and a customer satisfaction score of 0.60.

It’s followed by State Farm at 4.36, with a satisfaction rating of 0.87.

Travelers rounds out the top three with an overall ranking of 4.28 and a satisfaction score of 0.63.

Below are the top-rated car insurance providers in Florida, based on overall performance and customer satisfaction.

Company	Overall ranking	Customer Satisfaction Index Ranking
GEICO	4.84	660
State Farm	4.36	639
Travelers	4.28	620
Allstate	3.61	660
Mercury Insurance	3.32	594
Progressive	3.30	606

So, which state is more affordable for car insurance?

If you’re weighing a move — or simply comparing costs — car insurance can make a meaningful difference in your budget. On average, drivers in Georgia pay about $2,503 per year for full coverage, while drivers in Florida pay around $3,916. Over time, that gap can add up, especially if you’re insuring multiple vehicles or planning a long-term relocation.

When it comes to finding the cheapest option, Progressive has the lowest average rates in Georgia, while Travelers stands out in Florida. But averages only tell part of the story. Your actual premium will depend on your driving record, vehicle, coverage choices and even your ZIP code.

Even a few hundred dollars in annual savings can tip the scales when comparing overall living costs. Before making a decision, it’s smart to compare personalized quotes from multiple insurers to see which state — and which company — truly offers the best value for your situation.

Frequently asked questions about home and auto bundle insurance

Is car insurance cheaper in Georgia than in Florida?

Car insurance in Georgia is cheaper than Florida. The average monthly cost in Georgia is $209, which is $117 less than the average in Florida of $326.

Can I use my Georgia insurance in Florida?

If you’re just visiting Florida for a short time, your Georgia car insurance should cover you. Most car insurance policies provide coverage across the U.S., so if your Georgia policy meets the state’s minimum requirements, it will generally apply in Florida as well.

However, if you’re planning to move to Florida and stay for a longer period, you’ll need to switch your car insurance to a Florida provider. Each state has its own insurance rules, and you are required to have insurance that meets the minimum requirements of the state where your car is registered. Maintaining a Georgia policy while living in Florida could be considered insurance fraud, especially if you’re involved in an accident.

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.