Average cost of car insurance in Georgia in 2023

How much is car insurance in Georgia?

Georgia drivers pay an average rate of $639 annually for state-mandated minimum coverage. Full coverage, which includes collision and comprehensive insurance, averages $2,085 annually. These are not far from the national averages, which are $622 for minimum and $2,014 for full coverage. Keep in mind, however, that your rates are likely to differ from the averages, since your insurer will consider multiple factors personal to you when determining your rate, such as your age, the make and model of your car and your driving record.

Georgia car insurance rates by city

Cities add another layer of specificity to the question, ‘how much is car insurance in Georgia?’ Location can be a key determiner when considering rates. While we can calculate a national average car insurance cost for Georgia, if we zoom in on individual cities, we sometimes arrive at a different number. Different cities may have varied costs for repairs, different frequencies of accidents and higher or lower rates of theft or vandalism. These variables work in conjunction with personal factors, like driving records, to help insurers determine rates. Below are five cities in Georgia with average rates listed for each, along with a percentage representing how much that city’s average premium deviates from the state average.

Average car insurance costs by age and gender in Georgia

Car insurance companies use a driver’s age to help them determine how likely they are to experience an incident or file a claim. Auto insurance rates change with age, generally trending toward cheaper as drivers grow older. In Georgia, males tend to face higher rates by age than females do as males are considered riskier drivers in all age groups. Not all states allow the use of gender and age by insurance companies, but both factors are permitted in Georgia.

Cost considerations for young drivers in Georgia

*16- and 17-year-old drivers must be on their parents’ policy.

Car insurance rates in Georgia by credit score

In those states that allow it, like Georgia, car insurance companies often utilize driver’s credit-based insurance scores to help them calculate rates. In general, the better your credit score, the better your rate. A credit rating of poor in Georgia contributes to an average increase in annual premiums of 60 percent (when compared to the state average). On the opposite side of that, a credit rating of excellent in Georgia sees average premiums that are 26 percent lower than the state average.

How does driving record impact the cost of car insurance in Georgia?

Driving records are one of the most significant factors when looking at car insurance rates in Georgia. The type of infraction determines how much your insurance rates will be affected. For instance, a DUI conviction in Georgia causes an average annual premium increase of 89 percent, while a speeding ticket leads to an average increase of 21 percent. It’s important to note that some insurers may refuse coverage to drivers with DUIs or repeat lesser infractions.

The table below highlights the average increase in premiums in Georgia that drivers face after different types of driving incidents.

Georgia car insurance rates by vehicle type

Car insurance rates vary by vehicle make and model, since different types of cars have different crash statistics, repair costs 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 quote higher premiums. Meanwhile, if your car comes equipped with certain safety features, your car insurance provider may lower your rates, although it's worth noting that some advanced safety features may also cost more to repair if damaged.

How to save on car insurance in Georgia

Savings on car insurance in Georgia can come in many forms. Because so many variables that affect auto rates can change over time, you may be your own best source of potential savings. For instance, changing how you drive can potentially make a significant difference in your rates. Below are some tips and strategies for saving money on car insurance in Georgia.

• Drive safely: Safe driving can help keep your driving record clean while also potentially helping you qualify for discounts.
• Right-size your coverage: Rates are proportional to coverage and if you have more coverage than you need, you might be able to save by reducing coverage amounts or types.
• Compare insurers: Comparing quotes from multiple insurers can help you to identify competitive rates for the same types of coverage.
• Look for discounts: Many insurers offer numerous potential discounts to qualifying drivers.
• Enroll in usage-based programs: Usage-based car insurance, or telematic programs, may let you pay less when you drive more safely or for fewer miles.
• Improve your credit score: If your credit score is not great, taking steps to improve it could lower your auto insurance rates in Georgia.
• Raise your deductible: If you can handle a higher deductible, you could lower your premium by taking on more financial responsibility. Since you would be paying more before your policy kicks in after a covered claim, be sure not to raise it higher than you can comfortably manage to afford. 

Estimate your car insurance cost in Georgia

Frequently asked questions