Average cost of car insurance in Georgia for 2021

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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 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 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 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 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%

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. One reason is that insurers have unique pricing algorithms to determine their costs. For example, a speeding ticket may impact your premium more significantly with one company but have less of an impact with another carrier.
  • 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 selecting a higher deductible before choosing one.
  • Discounts: Many auto insurers offer discounts. When shopping around, it’s not enough to verify that a company has a particular discount available. You will want to speak with an insurance agent to understand just how much you will save with the discount. This is because the amount of a discount varies with each provider.
  • Driving an older vehicle: New vehicles cost more to replace, and it is for that reason they generally cost more to insure. To save on car insurance, consider driving an older car with a high safety rating.

Georgia car insurance requirements

Georgia requires minimum auto liability limits of 25/50/25. This means that vehicles registered in Georgia must carry at least:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

However, drivers in Georgia should consider purchasing more than their state’s minimum coverage requirements. There are many reasons to do this. For starters, consider that if a hailstorm damages your vehicle, minimum coverage would not cover the repair cost (only comprehensive coverage would). Or what if you are at fault in an accident and the damages exceed $25,000 in costs? Any expenses above your insurance coverage limits would be covered by you out of pocket.

You may also need more than state minimum coverage if you finance or lease a vehicle. Most lenders require comprehensive and collision coverage, and some may even require higher liability limits.

Frequently asked questions

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 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.

Written by
Lauren Ward
Insurance Contributor
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, and life insurance, as well other topics in the personal finance industry.
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