The average cost of full coverage car insurance in Georgia is $1,710 per year, which is $58 higher than the national average of $1,652. Whether you live in the Georgia mountains, the Atlanta area, or anywhere in between, the cost of car insurance has a significant impact on your monthly budget.
Ready to shop car insurance?
The easiest way to save money on your car insurance is by comparing rates between several companies in Georgia. Policygenius can help you compare quotes and choose the best protection for your needs.
Auto-Owners Insurance has the lowest average rates at $858 per year for full coverage car insurance in Georgia
Drivers with moving violations and other infractions pay significantly more for car insurance than drivers with a clean record
Georgia minimum liability car insurance requirements are $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability
If you own a car and want to drive it legally, then you’re going to need car insurance. The price you pay for that insurance depends on many factors, including your driving history, marital status, and the kind of car you drive.
To lower the cost of what you pay for insurance, it’s best to shop around and compare quotes from multiple companies, then choose the coverage that works best for you. The table below shows the five cheapest car insurance companies in Georgia.
Have you ever wondered why car insurance is so expensive for young drivers? Statistics show young, inexperienced drivers are more likely to be in an accident. Their driving habits and behaviors are seen as high-risk, so insurance providers charge higher premiums to help offset the risk.
Many companies offer young drivers ways to save on car insurance rates, such as good student discounts and accident forgiveness programs. The table below shows the company with the lowest rates in every age group.
State law requires all Georgians to have liability insurance to protect themselves and others in case of an accident — and most drivers need far more than the state minimums in order to be adequately protected.
Georgians spend a lot of time in their cars, so you want to be sure you choose the insurance company that offers the best possible coverage. Policygenius can help you see quotes from top companies and choose the best coverage based on your needs.
Speeding in Georgia can be costly. A speeding ticket can increase your car insurance rates by hundreds of dollars, and if you’re caught speeding in a construction zone, ticket fines are often doubled and too many violations could lead to revocation of your license. Obeying posted speed limit signs and not driving while intoxicated are simple ways to avoid paying more for car insurance.
Below are the average rates for motorists in Georgia with moving violations or other infractions.
If you’re consistently late on your bills and have filed for bankruptcy, there’s a good chance your car insurance rates are higher than other drivers. Car insurance companies will use your credit score to determine the rates you pay, and a lower score means higher rates.
Some states don’t allow insurance companies to use credit scores to determine insurance rates, including California, Hawaii, Massachusetts, and Michigan, but Georgia is not one of them. To avoid paying higher rates, working to improve your credit score and paying your bills on time is a great place to start. Below are the average rates for drivers in Georgia with poor credit.
With so many factors that determine the cost of car insurance, it isn’t surprising that drivers in the city pay more for insurance than those in rural areas. More people mean more crime and more people on the road, which, in turn, leads to higher insurance rates.
Below are the average car insurance rates for the ten largest cities in Georgia, based on population size:
Sandy Springs $1,916
South Fulton $2,010,
Johns Creek $1,927
Atlanta has the highest rates in the state, which makes sense since it has the most people. The city’s crime rate also affects the cost of car insurance.
Ready to shop car insurance?
Georgia state law requires that every driver on the road have a valid driver’s license. The law also states that all vehicles have the following minimum liability insurance requirements:
Bodily Injury Liability: $25,000 per person/$50,000 per incident
Property Damage Liability: $25,000 per incident
These limits are just the basic required minimum rates, which cover damages you cause to other people and their property. However, if you have a car payment or a more expensive car, then you’ll need to have more than just liability coverage.
Physical damage or full coverage insurance helps pay for loss or damage to your vehicle. There are two kinds of physical damage insurance:
Comprehensive: This type of insurance covers theft, fire, vandalism, and other non-collision damage to your car.
Collision: This covers damage to your car from collisions with other vehicles.
Georgia is a fault state when it comes to car accidents. What this means is if you cause an accident, then you must fully compensate the other driver for any damages to their property or personal injuries resulting from the wreck. Keep in mind that you are responsible for all the damage you cause, which means carrying only the minimum required levels of liability coverage may leave you responsible for thousands of dollars out-of-pocket in the event of a serious accident.
Although car insurance is required in Georgia, some drivers still choose to drive uninsured. In order to protect yourself from uninsured or underinsured drivers, many companies offer uninsured motorist coverage at an additional cost. Working with an insurance expert can help you find the best coverage for your needs.
To help reduce the cost of car insurance in Georgia, many companies offer a variety of discounts:
Bundling discount: Combining policies such as auto and renter’s insurance
Multi-car discount: Having more than one car on your policy
Military discount: A discount for active-duty military and their families
Low-mileage discount: This is available to drivers who have a shorter commute or drive less than 7,500 miles annually.
Safe-driver discount: For drivers without any accident claims during a given time frame
These are just a few of the discounts offered by insurance companies, so be sure and ask about what others may apply to you.
According to our research, Auto-Owners Insurance has the lowest rates in the state, at $858 per year for full coverage. That’s well below the average cost of insurance in the state.
Some companies use marital status as a determining factor when issuing policies, so your rates could go up after a divorce.
A DUI can raise your car insurance rates in Georgia by more than $1,100 per year. It’s a serious violation that indicates your risk as a driver, so companies will charge more for insurance to make up for the increased risk you pose.
Having bad credit can increase your rates by more than 50 percent with some companies. Drivers with low credit scores should shop around and see plenty of options before they pick a policy, to make sure they’re not overpaying.
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.