Home Car insurance Car insurance rates by state Average car insurance cost in Georgia Average car insurance cost in Georgia View Carriers Please enter valid zip Compare top carriers in your area By Insure.com's Editor | Updated on October 17, 2023 Why you can trust Insure.com Quality Verified 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. If you are looking for auto insurance in Georgia, knowing how much it will cost is a promising idea. The average premium for car insurance in Georgia is $1,647 per year or $137 per month. While the national average is $1,682. There is a difference of $35 less between the national average and the state average. If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live. Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Georgia, and car insurance rates by age group. Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements. Summary of average car insurance cost in GeorgiaAverage annual cost$1,647Average per month cost$137Average cost for state minimum coverage$567 / YearCheapest car insurance companyUSAA($1,136/ Year)Average cost for young drivers$2,834 / YearAverage cost for Senior drivers$1,589 / Year Key TakeawaysThe average car insurance cost in Georgia is $1,647 per year, based on Insure.com’s analysis.In Georgia, the average premium for car insurance is $137 per month.USAA has the cheapest car insurance rates in Georgia, at an average annual rate of $1,136 a year. Average car insurance cost in Georgia per month In Georgia, the average premium for car insurance is $137 per month. The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Georgia, it is a promising idea to get quotes from many firms. As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Georgia is USAA. The average annual cost is $1,136 while the average cost per month is $95. The second-best option available is, Nationwide, offering insurance at an average per month cost of $104. The table below lists the other available car insurance companies which offer car insurance in Georgia, along with their average cost per month and average annual cost. Company nameAverage per month costAverage annual costUSAA$95$1,136Nationwide$104$1,245Auto-Owners$107$1,281Progressive$121$1,455Geico$122$1,459State Farm$137$1,640Allstate$153$1,832Mercury Insurance$161$1,932Country Financial$168$2,017Farmers Insurance$206$2,474 Read our guide to best car insurance companies Average cost of car insurance by coverage levels in Georgia The amount of coverage you purchase has an impact on how much car insurance costs in Georgia. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage. Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Georgia is $736. When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Georgia is $1,647 per year. For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Georgia, the average annual cost for non-owner state minimum liability only is $373. And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $567 per year in Georgia. Coverage limitsAverage annual cost50/100/50 Liability Only$736100/300/100 Liability with $500 Comp/Coll Deductible$1,647Non-Owner State Minimum Liability Only$373State Minimum Liability Only$567 Average car insurance cost in Georgia by City Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code. The table below depicts the top popular cities in Georgia: CityAverage annual costAtlanta$1,995Augusta,GA$1,555Columbus$1,622Savannah$1,775Sandy Springs$1,787Roswell$1,718Johns Creek$1,811Warner Robins$1,627Albany$1,515Alpharetta$1,669 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 cityAtlantaAugustaColumbusSandy SpringsSavannahAverage car insurance cost in Georgia by age of the driver Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Georgia is $2,834 while for seniors is $1,589. Here, the rate for young drivers is $1,245 more than the rate for senior drivers. According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities. Average car insurance cost in Georgia for young drivers The average car insurance cost for female young drivers in Georgia is $2,601 per year or $217 per month and rate for a male young driver is $3,067 per year or $256 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers18$6,162$5,00319$4,667$3,77220$4,147$3,33421$3,186$2,69722$2,915$2,53023$2,638$2,30324$2,447$2,14025$2,125$1,962 Average car insurance cost in Georgia for senior drivers In Georgia, the cost of car insurance for senior female driver is $1,566 per year or $131 per month and cost of car insurance for male senior driver is $1,612 per year or $134 per month. Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,530$1,50370$1,680$1,63175$1,899$1,768 Read more about senior car insurance Minimum car insurance requirements in Georgia Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Georgia Department of Insurance, the following are the required coverages and minimum coverage limits in Georgia: Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $25,000 Cheapest cars to insure in Georgia The Subaru Forester 2.5I has the lowest average annual insurance premium at $1,428, followed closely by the Mazda CX-5 S at $1,440. The difference in the cost of insuring these two models is $12 annually. MakeModelAverage annual premiumSubaruForester 2.5I$1,428MazdaCX-5 S$1,440HyundaiVenue SE$1,472MazdaCX-30 S$1,473ToyotaC-HR Limited$1,490HondaCR-V EX$1,512KiaSeltos EX$1,519ChryslerVoyager LX$1,521FordTransit Connect Titanium$1,549SubaruCrosstrek 2.0I$1,561 Most expensive cars to insure in Georgia The most expensive car to insure on the list is the Maserati Levante Trofeo, which has an average annual premium of $6,105. However, the difference between the cheapest and most expensive cars to insure is $4,677 annually. MakeModelAverage annual premiumMaseratiLevante Trofeo$6,105AudiRS E-tron GT$5,423BMWM8 Competition XDrive$5,151AudiRS6 Avant Quattro$5,120PorscheTaycan Turbo S$4,998PorschePanamera 4 E-Hybrid$4,818BMWM850i XDrive$4,809JeepGrand Wagoneer Series I$4,791JeepWagoneer Series I$4,736MaseratiQuattroporte$4,731 Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible. Methodology Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes. 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 a full coverage policy with limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $100,000 property damage liability $500 collision/comprehensive deductible The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Georgia Non-owner car insurance in Georgia Average renters insurance cost in Georgia Average homeowners insurance cost in Georgia How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow more In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Georgia per monthAverage cost of car insurance by coverage levels in GeorgiaAverage car insurance cost in Georgia by CityAverage car insurance cost in Georgia by age of the driverMinimum car insurance requirements in GeorgiaCheapest cars to insure in GeorgiaMost expensive cars to insure in GeorgiaMethodology Get instant quotes now ! Please enter valid zip Get Quotes