Georgia drivers pay an annual average of $1,982 for full coverage and $756 for minimum coverage. However, it is possible to pay less if you know what you’re doing and where to look. By shopping around and utilizing the best discounts, you can save a significant amount on car insurance.
How much does car insurance cost in Georgia?
The average amount drivers pay for car insurance varies from one state to the next. In Georgia, the average annual amount drivers are paying is $756 for minimum and $1,982 for full coverage. This is more than the national average. Currently, the U.S. average is $565 per year for minimum and $1,674 per year for full.
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 a premium, insurance companies consider such things as:
- Age
- Sex
- State
- Type of car
- Driving history
- Where you live
- Marital status
- Credit score
- Deductible amount
- Discounts
- Type of coverage
Georgia car insurance rates by company
How much is car insurance in Georgia? That depends on which company you’re with.
The following table illustrates the cost differences between all of the major providers operating in Georgia. As you’ll see, it’s very much worth your time and effort to shop around for cheaper car insurance. Never assume you’ll pay the same 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 city
The average car insurance rates in Georgia vary by city. This is because more populated areas tend to have more accidents.
In the table below you’ll find the average rate for each city as well as the percentage increase from an average full premium of $1,982.
| 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 age
Average car insurance rates in Georgia are heavily influenced by a driver’s age (as they are in every state). This is because younger drivers are statistically more likely to get into an accident due to lack of experience. Assuming they don’t have any major traffic offenses, their rates should go down 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 disclosure
Georgia car insurance rates by driving record
Past driving offenses have the ability to greatly increase car insurance rates in Georgia. Here’s what you can expect to pay for car insurance after a major driving offense.
| Driving incident | Average annual full coverage premium in Georgia | % increase in average annual premium |
|---|---|---|
| Speeding ticket | $2,446 | 23% |
| Accident | $2,949 | 49% |
| DUI | $3,691 | 86% |
How to save on car insurance in Georgia
To save on Georgia auto insurance rates, drivers should consider the following tactics:
- Shopping around: Car insurance companies charge different rates for a variety of reasons. One reason is that they all have a unique pricing algorithm to determine the cost drivers pay for a policy. While you may get dinged for having a low credit score with one company, you might not be penalized as hard with another.
- Increasing your deductible: Increasing your deductible will decrease the amount your provider will pay after an accident, but it will also decrease the amount you pay each month. Most providers have multiple deductible options to fit a variety of budgets. Just make sure you understand the consequences of each before agreeing to any particular one.
- Discounts: Many major providers offer a variety of discounts. When shopping around, it’s not enough to verify that a company has a particular discount. You’ll want to speak with an agent to understand just how much you’ll save with it. This is because the amount of a discount varies with each provider.
- Driving an older car: New cars cost more to replace, and it is for that reason that they cost more to insure. To save on car insurance, drive an older car with a high safety rating.
Georgia car insurance requirements
Georgia is a 25/50/25 state. Written out this means that drivers found to be at fault in an accident must have a policy that covers up to:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident property damage
However, drivers in Georgia should strongly consider purchasing more than their state’s minimum requirements. There are many reasons to do this. For starters, consider that if a hailstorm damages your new car, minimum coverage won’t cover the cost of repairs (only comprehensive coverage would). Or what if you were hit by an uninsured motorist with no assets? Liability only won’t do anything for you. You could take the other driver to court, but there’s no guarantee that anything would come of it.
You’ll also need more than minimum if you plan on financing or leasing a new car. Most lenders and dealerships require full coverage for these types of purchases.
Frequently asked questions
Is uninsured motorist coverage required in Georgia?
No, it’s not. However, it’s a good idea to have since Georgia has a 12% uninsured motorist rate. If you were to get into an accident with an uninsured motorist, you could be stuck paying your own bills.
Is Georgia a no-fault state?
No, Georgia is a tort state, which means the at-fault driver is responsible for any damages he or she causes by their driving.
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 coverages that meet 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.
These are sample rates and should only be used for comparative purposes.
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