Average Cost of Car Insurance in Georgia for 2023

Georgia has a very low cost of living. Only four states — Alabama, Kansas, Oklahoma, and Mississippi — are cheaper. However, that lower cost of living doesn’t mean you’ll pay less for car insurance. In fact, the average cost of car insurance in Georgia is $38 more than the national average of $1,529.

Keep reading to learn about the factors affecting Georgia’s car insurance rates and how you can save money. 

Key takeaways:

• The average cost of car insurance in Georgia is $1,567 per year for full coverage policies.

• State-minimum coverage costs an average of $828 per year.

• Teen drivers cost $410.83 per month on average. 

How much does car insurance cost in Georgia?

Car insurance is surprisingly expensive in Georgia. Full coverage policies that include collision, comprehensive, and liability insurance cost an average of $1,567 per year. State-minimum policies cost an average of $828 per year.

Why is car insurance in the Peach State so expensive? For one, Georgia has grown rapidly; it’s one of the fastest-growing states in the country. With more people in the state, there are more drivers on the road and a higher incidence rate of accidents.

Georgia also has a high percentage of uninsured drivers. According to the Insurance Research Council, 12.4% of drivers in the state are uninsured.

Avg. cost for full coverage	Avg. cost for minimum coverage	Cheapest insurance provider
$1,567/year	$828/year	USAA

Avg. for young drivers	Avg. cost for seniors	Avg. for high-risk drivers
$4,930/year	$2,233/year	$2,567/year

Average cost of car insurance in Georgia by provider

Rates can be very different between car insurance providers. In Georgia, several companies sell auto coverage, including well-known companies like Allstate and Nationwide. But there are also smaller companies like the Farm Bureau that may offer competitive rates.

We found that USAA had the lowest rates for both full and state-minimum coverage in Georgia. The next cheapest was Nationwide for full coverage policies and the Farm Bureau for minimum liability coverage.

Provider	Full coverage	Minimum liability coverage
Allstate	$1,856/year	$822/year
Farm Bureau	$1,612/year	$564/year
GEICO	$2,583/year	$745/year
Progressive	$2,058/year	$1,397/year
State Farm	$1,714/year	$875/year
Nationwide	$1,524/year	$897/year
USAA	$1,143/year	$492/year

How does credit score affect car insurance rates in Georgia?

As is common in other states, Georgia’s laws allow car insurance companies to use information about customers’ credit histories to set premiums. Generally, those with excellent credit pay hundreds less for policies than those with poor or average credit.

Credit health	Avg. annual premium
Poor (550-649)	$2,918/year
Average (650-699)	$2,616/year
Good (700-749)	$2,506/year
Excellent (750+)	$2,152/year

Average car insurance rates for high-risk drivers in Georgia

High-risk drivers are those that are more likely to cause accidents or submit claims. In Georgia, high-risk drivers with a driving under the influence (DUI) conviction can pay $1,502 more per year for car insurance, nearly double the state average. And a speeding ticket may increase premiums by about $42 per month.

Violation	Avg. annual premium before violation*	Avg. annual premium after violation	Avg. cost increase
At-fault accident	$1,567/year	$2,573/year	$1,006
DUI	$1,567/year	$3,069/year	$1,502
Speeding ticket	$1,567/year	$2,076/year	$509

*Assumes clean driving record with good credit

How does age affect car insurance rates in Georgia?

Teens and young adults are statistically more likely to be in serious accidents than other age groups. As a result, they pay significantly more for car insurance. 

We found that the average premiums for 18-year-olds are $5,118 per year — more than double what drivers in their 40s or 50s pay.

Age	Avg. annual premium
18	$5,118/year
25	$2,041/year
30	$2,184/year
40	$2,129/year
60	$2,167/year

Georgia car insurance rates by city

Where you live substantially impacts how much you pay for car insurance. Cities with higher crime ratings typically have the highest premiums. 

The city with the highest average premiums was Atlanta, with a crime rating index of three from NeighborhoodScout. That rating means that 97% of cities in the U.S. are safer, so the higher cost is understandable.

City	Avg. annual full-coverage premium
Atlanta	$2,438/year
Alpharetta	$2,368/year
Savannah	$2,076/year
Macon	$2,148/year
Columbus	$1,885/year
Augusta	$1,810/year
Athens	$1,282/year

GA’s minimum car insurance requirements

Georgia, like the majority of states, requires drivers to have car insurance. The state minimum requirements are as follows:

• $25,000 in bodily injury protection for one person
• $50,000 in bodily injury protection for two or more people
• $25,000 in property damage protection

How to save money on car insurance in Georgia

To save money on your auto policy in Georgia, follow these tips:

• Adjust your coverage: You may have more coverage than you need. If you have an older vehicle that is paid off, you may be able to drop your coverage limits or increase your deductible to lower your premiums.
• Ask about discounts: Many insurance companies offer discounts for safe drivers, good students, or those that take extra steps to protect their vehicles by installing anti-theft devices. Contact your agent to find out if you qualify for any discount programs.
• Sign up for pay-per-mile coverage: With pay-per-mile or usage-based insurance, your premiums are based on your location, mileage, and driving habits. Safe drivers or those that drive fewer-than-average miles may be able to save by switching to pay-per-mile coverage. In Georgia, pay-per-mile policies are available from several insurers, including Mile Auto, Nationwide, and Esurance.
• Compare quotes: It’s smart to shop around and request quotes from the best car insurance companies each year. You may find another insurer offers lower rates for the same coverage, so you could save hundreds by switching companies.

FAQs about car insurance costs in GA