The average cost of full coverage car insurance in Georgia is $1,625 per year, which is just $13 cheaper than the national average. Whether you live in the Georgia mountains, the Atlanta area, or anywhere in between, the cost of car insurance can significantly impact your monthly budget.
The easiest way to save money on your car insurance is by comparing rates between multiple companies in Georgia. Policygenius can help you compare quotes and choose the best protection for your needs.
Methodology & why you can trust our rates
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: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
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.
Cheapest car insurance companies in Georgia
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.
Company | Average cost | JD Power Rating |
|---|---|---|
Auto-Owners Insurance | $1,061 | 865 |
USAA | $1,137 | 890 |
Central Insurance | $1,319 | -- |
COUNTRY Financial | $1,335 | -- |
State Farm | $1,369 | 882 |
Cheapest car insurance companies by age 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.
Age | Cheapest company | Average cost |
|---|---|---|
16 | Auto-Owners Insurance | $3,342 |
18 | USAA | $2,530 |
21 | USAA | $1,616 |
25 | USAA | $1,330 |
30 | Auto-Owners Insurance | $1,053 |
35 | Auto-Owners Insurance | $1,052 |
45 | USAA | $1,074 |
55 | USAA | $1,019 |
60 | USAA | $1,013 |
65 | USAA | $1,052 |
70 | COUNTRY Financial | $1,184 |
Choosing the right car insurance company in Georgia
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.
Car insurance rates for drivers with driving violations in Georgia
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.
Violation | Auto-Owners Insurance | USAA | Central Insurance | COUNTRY Financial | State Farm |
|---|---|---|---|---|---|
At-fault accident | $1,395 | $1,710 | $2,062 | $1,858 | $1,598 |
DUI | $1,944 | $2,390 | $2,872 | $2,285 | $1,480 |
Suspended license | $1,944 | $2,268 | $2,872 | $2,285 | $1,480 |
Open container | $1,053 | $1,758 | $2,872 | $1,933 | $1,480 |
Expired registration | $1,053 | $1,481 | $1,691 | $1,933 | $1,480 |
Driving without lights | $1,053 | $1,481 | $1,785 | $1,933 | $1,480 |
Running a red light | $1,053 | $1,481 | $1,785 | $1,933 | $1,480 |
Following too closely | $1,053 | $1,481 | $1,785 | $1,933 | $1,480 |
Hit and run | $1,944 | $2,515 | $2,872 | $2,285 | $1,480 |
Not-at-fault accident | $1,053 | $1,200 | $1,410 | $1,472 | $1,386 |
Passing a school bus | $1,160 | $1,758 | $1,785 | $1,933 | $1,480 |
Reckless driving | $1,944 | $1,758 | $2,872 | $2,285 | $1,480 |
Speeding | $1,338 | $1,481 | $1,785 | $1,933 | $1,480 |
Cheapest car insurance for drivers with bad credit in Georgia
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.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,912 |
Nationwide | $2,015 |
COUNTRY Financial | $2,109 |
USAA | $2,165 |
Allstate | $2,310 |
Car insurance costs in Georgia cities
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 potentially means 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:
Atlanta $2,025
Columbus $1,645
Augusta $1,575
Macon $1,751
Savannah $1,847
Athens $1,461
Sandy Springs $1,832
South Fulton $2,010
Roswell $1,779
Johns Creek $1,819
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.
Buying car insurance in Georgia
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: Sometimes referred to as "other than collision," this type of insurance covers theft, fire, vandalism, and other kinds of damage not caused by a collision.
Collision: This covers damage to your car from collisions with other vehicles or objects, no matter who was at fault.
Georgia is a fault state when it comes to car accidents. This means that if you cause an accident (making you the at-fault driver), you must fully compensate the other driver for any damage to their property or personal injuries.
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.
How to get cheap car insurance in Georgia
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.
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Frequently asked questions
Who has the lowest car insurance in Georgia?
According to our research, Auto-Owners Insurance has the lowest rates in the state, at $1,061 per year for full coverage. That’s well below the average cost of insurance in the state.
How much is car insurance per month in Georgia?
The average cost of car insurance in Georgia is $135 per month, or $1,625 per year.
Is car insurance in Georgia expensive?
The cost of car insurance in Georgia is about the same as average. We found that the statewide average cost is just $13 cheaper per year than the national average.
Is car insurance cheaper in SC or GA?
Georgia has cheaper car insurance than South Carolina. Drivers in Georgia pay an average of $1,625 per year for car insurance, while drivers in South Carolina pay an average of $2,018 per year.
