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Average cost of car insurance in Georgia for 2022

Updated Sep 26, 2022
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The average cost of car insurance in Georgia is $2,009 per year for full coverage and $642 per year for minimum coverage, based on Bankrate’s 2022 study of quoted annual premiums. Georgia drivers pay more, on average, than the national average annual rates, which are $1,771 for full coverage and $545 for minimum coverage. However, by comparing quotes, taking advantage of discounts and keeping a clean driving record, you may be able to get a lower premium.

How much does car insurance cost in Georgia?

The average amount drivers pay for car insurance varies from state to state. In Georgia, the average annual amount drivers are paying is $642 for minimum coverage and $2,009 for full coverage, which is more than the national average. Currently, the U.S. average is $545 per year for minimum coverage and $1,771 per year for full coverage.

However, keep in mind that what you pay for car insurance is determined by a variety of factors (meaning you may pay more or less than the numbers above). When calculating auto premiums, auto insurers consider these rating factors:

  • Age (except Hawaii and Massachusetts)
  • Gender (in most states)
  • ZIP code (in most states)
  • Type of vehicle
  • Driving history
  • Marital status (in most states)
  • Credit history (in most states)
  • Deductible amount
  • Discounts
  • Levels and types of coverage

Georgia car insurance rates

Average annual minimum coverage premium Average annual full coverage premium
$642 $2,009

Georgia car insurance rates by city

The average car insurance rates in Georgia vary by city. This is because more populated areas generally have more accidents.

In the table below, you’ll find the average rate for the top 10 largest Georgia cities by population and the percentage increase from an average full coverage premium of $2,009 per year.

City Average annual premium for full coverage % increase in average annual premium
Atlanta $2,207 10%
Augusta $1,881 -6%
Savannah $1,981 -1%
Columbus $1,958 -3%
Macon $2,024 1%
Athens $1,824 -9%
Gainesville $1,848 -8%
Warner Robins $1,869 -7%
Albany $1,799 -10%
Valdosta $1,651 -18%

Georgia car insurance rates by company

How much is car insurance in Georgia? That depends on which company you are insured with.

The following table illustrates the cost differences between some of the major insurers available in Georgia. As you will see, it can be worth your time and effort to shop around for cheaper car insurance. Never assume you will pay the same premium amount from one company to the next. And while the best car insurance isn’t always the cheapest car insurance in Georgia (and vice versa), the good news is that you have plenty of options for the best car insurance companies in Georgia.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
ACCC Insurance $712 $1,935
Allstate $668 $3,189
Auto-Owners $352 $1,236
Country Financial $577 $2,120
Donegal $1,160 $2,489
Encompass $590 $2,084
Esurance $1,057 $1,858
Geico $503 $1,840
Georgia Farm Bureau $500 $2,063
Mercury $651 $1,676
Nationwide $504 $1,811
Progressive $675 $1,734
Safeway $1,040 $2,210
State Farm $574 $1,778
USAA $560 $1,544

Georgia car insurance rates by age

Average car insurance rates in Georgia are heavily influenced by a driver’s age (as they are in most states). This is because younger drivers are statistically more likely to get into an accident due to a lack of driving experience. Assuming they do not have any major traffic offenses, their rates should decrease as they get older.

Age Average annual premium in Georgia
Age 17* $2,154
Age 22 $3,200
Age 25 $2,498
Age 30 $2,123
Age 35 $2,062
Age 40 $2,009

*17-year-old calculated on parent’s policy. Premium is the cost to add the teen driver, not the total cost of the policy.

Georgia car insurance rates by gender

Most states use gender as a rating factor to determine your car insurance premium (California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania do not use gender as a rate factor). Nationally, men average higher premiums than women, since insurance companies typically perceive men riskier behind the wheel. This trend is reflected in Georgia’s data, but the difference between the average rates is small.

Average annual full coverage premium
Male drivers $2,014
Female drivers $2,004

Georgia car insurance by credit score

When considering the cost of insurance, you may wonder how your credit score impacts your car insurance rates. In states except California, Hawaii, Massachusetts and Michigan, auto insurance companies may use your credit-based insurance score to determine how likely you are to file a claim. Policyholders with poorer credit may have a higher risk of getting in an accident and filing a claim. Due to this added risk, car insurance companies typically charge higher premiums for those with lower credit-based insurance scores.

The following table outlines average car insurance rates by credit score in Georgia.

Average annual full coverage rate by credit score

Poor Average Good Excellent
National average $3,002 $1,907 $1,771 $1,556
Georgia $3,211 $2,148 $2,009 $1,775

Georgia car insurance rates by driving record

Past driving offenses can greatly increase car insurance rates in Georgia. Here is what you can expect to pay for car insurance after a driving incident.

Driving incident Average annual full coverage premium in Georgia % increase in average annual full coverage premium
Speeding ticket $2,437 21%
Accidents $2,801 39%
DUI $3,793 89%

Georgia car insurance rates by vehicle type

One other aspect to consider when shopping for an auto insurer is how your vehicle’s make and model affects your car insurance rates. Car insurance rates vary by vehicle make and model since different types of cars have different crash statistics, price of parts, price of labor and safety features. Cars that cost more to repair, such as foreign vehicles with imported parts, will generally come with higher car insurance premiums. If a car has higher crash statistics, an insurance company may find you more likely to be involved in a car accident and may increase your rates. Meanwhile, if your car comes equipped with certain safety features, your car insurance provider may lower your rates.

Here are a few examples to help you estimate your car insurance rates by make and model, or compare how rates vary by type.

Vehicle Average annual full coverage premium
BWM 330i $2,461
Ford F-150 $1,745
Honda Odyssey $1,683
Toyota Camry $2,009
Toyota Prius $2,240

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

To determine alternate rates, our base profile has been adjusted for the following scenarios:

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Age: Rates were calculated by evaluating our base profile with the ages 16-40 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. Washington’s ban on factoring credit in premiums is currently on hold in the courts.

These are sample rates and should only be used for comparative purposes.

Written by
Lizzie Nealon
Insurance Contributor

Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future.

Edited by Insurance Editor
Reviewed by Assistant Vice President & Claims Field Manager