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Updated Feb 06, 2025
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Age 16*
Average annual full coverage premium in GA
$6,719
Average minimum coverage premium in GA
$2,654
Age 18
Average annual full coverage premium in GA
$9,222
Average minimum coverage premium in GA
$3,545
Age 20
Average annual full coverage premium in GA
$6,597
Average minimum coverage premium in GA
$2,483
Age 25
Average annual full coverage premium in GA
$3,691
Average minimum coverage premium in GA
$1,317
Age 30
Average annual full coverage premium in GA
$3,119
Average minimum coverage premium in GA
$1,101
Age 40
Average annual full coverage premium in GA
$2,941
Average minimum coverage premium in GA
$1,042
Age 50
Average annual full coverage premium in GA
$2,773
Average minimum coverage premium in GA
$997
Age 60
Average annual full coverage premium in GA
$2,657
Average minimum coverage premium in GA
$963
Age 70
Average annual full coverage premium in GA
$2,939
Average minimum coverage premium in GA
$1,107
Age 40
Average annual full coverage premium in GA
$2,941
Average minimum coverage premium in GA
$1,042
Age 50
Average annual full coverage premium in GA
$2,773
Average minimum coverage premium in GA
$997
Age 60
Average annual full coverage premium in GA
$2,657
Average minimum coverage premium in GA
$963
Age 70
Average annual full coverage premium in GA
$2,939
Average minimum coverage premium in GA
$1,107
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Average annual full coverage premium in GA
$6,057
Average minimum coverage premium in GA
$2,436
Age 18
Average annual full coverage premium in GA
$7,994
Average minimum coverage premium in GA
$3,109
Age 20
Average annual full coverage premium in GA
$5,476
Average minimum coverage premium in GA
$2,084
Age 25
Average annual full coverage premium in GA
$3,423
Average minimum coverage premium in GA
$1,240
Age 30
Average annual full coverage premium in GA
$3,072
Average minimum coverage premium in GA
$1,094
Age 40
Average annual full coverage premium in GA
$2,937
Average minimum coverage premium in GA
$1,042
Age 50
Average annual full coverage premium in GA
$2,754
Average minimum coverage premium in GA
$986
Age 60
Average annual full coverage premium in GA
$2,634
Average minimum coverage premium in GA
$953
Age 70
Average annual full coverage premium in GA
$2,863
Average minimum coverage premium in GA
$1,076
Age 40
Average annual full coverage premium in GA
$2,937
Average minimum coverage premium in GA
$1,042
Age 50
Average annual full coverage premium in GA
$2,754
Average minimum coverage premium in GA
$986
Age 60
Average annual full coverage premium in GA
$2,634
Average minimum coverage premium in GA
$953
Age 70
Average annual full coverage premium in GA
$2,863
Average minimum coverage premium in GA
$1,076
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Except for Hawaii and Massachusetts, every other state allows the use of age as a rating factor for car insurance. Statistically, teens have a higher rate of fatal car accidents. Therefore, car insurance premiums initially start higher for younger drivers, but drop over time with experience and a good driving record. The trend reverses around age 70 when older drivers are often charged more for coverage due to an enhanced accident risk.

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Age 16*
Avg. annual premium for drivers in GA
$6,388
Age 17
Avg. annual premium for drivers in GA
$5,954
Age 18
Avg. annual premium for drivers in GA
$5,469
Age 19
Avg. annual premium for drivers in GA
$4,946
Age 20
Avg. annual premium for drivers in GA
$4,471
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in GA
$8,608
Age 19
Avg. annual premium for drivers in GA
$6,810
Age 20
Avg. annual premium for drivers in GA
$6,036
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 57 percent more
Age 19 38 percent more
Age 20 35 percent more
Clean driving record
Avg. annual premium* in GA
$2,939
Percentage increase from GA avg. annual premium*
0%
Avg. annual premium* in GA
$3,656
Percentage increase from GA avg. annual premium*
24%
Avg. annual premium* in GA
$4,289
Percentage increase from GA avg. annual premium*
46%
Avg. annual premium* in GA
$5,334
Percentage increase from GA avg. annual premium*
81%
*The rates reflected are for full coverage policies.
Avg. annual premium* in GA
$5,544
Percentage difference from GA avg. annual premium*
89%
Average
Avg. annual premium* in GA
$3,212
Percentage difference from GA avg. annual premium*
9%
Avg. annual premium* in GA
$2,939
Percentage difference from GA avg. annual premium*
0%
Excellent
Avg. annual premium* in GA
$2,510
Percentage difference from GA avg. annual premium*
-15%
*Rates reflect full coverage policies.
Avg. annual premium* in GA
$2,939
Avg. annual premium* in GA
$2,943
Avg. annual premium* in GA
$2,644
BMW 330i
Avg. annual premium* in GA
$3,460
Toyota Prius
Avg. annual premium* in GA
$3,004
*Rates reflect full coverage policies.

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Why we're asking
Methodology
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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
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Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500