Georgia drivers pay an annual premium of $756 for minimum coverage and $1,982 for full coverage car insurance, on average. However, it is possible to pay less if you know where to look. By shopping around and utilizing the best auto discounts, you can help reduce your car insurance costs.
Bankrate’s editorial team analyzed the latest auto insurance premiums and reviewed current rankings from industry experts like J.D. Power and AM Best to determine the average cost of car insurance in Georgia from the top car insurance providers.
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 $756 for minimum coverage and $1,982 for full coverage, which is more than the national average. Currently, the U.S. average is $565 per year for minimum coverage and $1,674 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)
- Sex (in most states)
- Location
- Type of vehicle
- Driving history
- Where you live
- Marital status
- Credit history (in most states)
- Deductible amount
- Discounts
- Type of coverage
Georgia car insurance rates
| Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|
| $756 | $1,982 |
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 each city and the percentage increase from an average full coverage premium of $1,982 per year.
| City | Average annual premium for full coverage | % increase in average annual premium |
|---|---|---|
| Atlanta | $2,325 | 17% |
| Marietta | $2,078 | 5% |
| Lawrenceville | $2,161 | 9% |
| Augusta | $1,908 | -4% |
| Columbus | $1,996 | 1% |
| Savannah | $2,013 | 2% |
| Macon | $2,101 | 6% |
| Cumming | $1,961 | -1% |
| Gainesville | $1,911 | -4% |
| Athens | $1,839 | -7% |
| Douglasville | $2,169 | 9% |
| Norcross | $2,121 | 7% |
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 most 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 (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 | $659 | $1,945 |
| Alfa | $859 | $2,450 |
| Allstate | $706 | $1,718 |
| Auto-Owners | $532 | $1,494 |
| Country Financial | $614 | $2,183 |
| Donegal | $963 | $2,153 |
| Geico | $508 | $1,711 |
| Mercury | $760 | $1,915 |
| MetLife | $887 | $1,788 |
| Nationwide | $585 | $1,202 |
| Progressive | $708 | $1,800 |
| Safeway | $945 | $2,372 |
| Southern General Agency | $3,354 | $6,717 |
| State Farm | $486 | $1,375 |
| USAA | $581 | $1,506 |
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 16* | $3,007 |
| Age 17* | $2,736 |
| Age 22 | $3,385 |
| Age 25 | $2,561 |
| Age 30 | $2,211 |
| Age 35 | $2,158 |
| Age 40 | $2,092 |
*16-year-old and 17-year-old calculated on parent’s 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, Montana, North Carolina, 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. However, in Georgia, men actually pay slightly lower average premiums than women across the board.
| Average annual full coverage premium | |
|---|---|
| Male drivers | $1,964 |
| Female drivers | $2,000 |
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, Michigan and Washington, auto insurance companies may use your insurance-based credit score to determine how likely you are to file a claim. Policyholders with a 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 those with lower insurance-based credit scores higher premiums.
The following table outlines average car insurance rates by credit score.
Average annual full coverage rate by credit score
| Poor | Average | Good | Excellent | |
|---|---|---|---|---|
| National average | $3,873 | $1,865 | $1,674 | $1,487 |
| Georgia | $3,143 | $2,200 | $1,982 | $1,859 |
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 | $2,446 | 23% |
| Accident | $2,949 | 49% |
| DUI | $3,691 | 86% |
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 |
|---|---|
| Toyota Camry | $1,982 |
| Ford F-150 | $1,775 |
| Honda Odyssey | $1,692 |
Frequently asked questions
What is the average cost of minimum coverage in Georgia?
At $756 per year, on average, minimum coverage car insurance in Georgia is significantly cheaper than full coverage car insurance. Despite minimum coverage being the cheapest car insurance in Georgia, most insurance experts recommend that you purchase full coverage car insurance to make sure you have sufficient financial protection in the event of an accident. However, if you choose to purchase minimum coverage car insurance, note that Georgia requires minimum auto liability limits of 25/50/25.
Is uninsured motorist coverage required in Georgia?
No, it is not. However, it could be a good coverage to have since Georgia has a 12.4% uninsured motorist rate. If you were to get into an accident with an uninsured motorist, you could be stuck paying your own bills.
What is the best car insurance in Georgia?
The best car insurance companies in Georgia are different for everyone based on individual circumstances. Insurance companies use specific rating factors to calculate insurance premiums, such as your age, the make and model of your vehicle, your credit history and driving history.
How do I find the cheapest car insurance in Georgia?
Each company prices car insurance differently, so shopping around to compare auto insurance quotes from Georgia’s top providers may help you find the lowest coverage for your situation.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 2019 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:
- Driving history: rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, and single DUI conviction.
- Age: rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to a 40-year-old married couple’s policy. The rates displayed reflect the added cost to the parents’ policy.
- Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, 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. Five states prohibit the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts, Michigan and Washington.
These are sample rates and should only be used for comparative purposes.
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