Average Cost of Car Insurance in Georgia for 2025

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 $252 per month for full coverage, compared to the national average of $193.

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

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Key takeaways

The average cost of car insurance in Georgia is $252 per month for full coverage policies.
State-minimum coverage costs an average of $164 per month.
Teen drivers cost $450 per month on average.

How much does car insurance cost in Georgia?

Full coverage policies that include collision, comprehensive, and liability insurance cost an average of $252 per month in Georgia. State-minimum policies cost an average of $164 per month.

Why is car insurance in the Peach State 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. monthly cost for full coverage	Avg. monthly cost for minimum coverage
$252	$164

Avg. monthly full coverage premium for teen drivers	Avg. monthly full coverage premium for seniors (60s)	Avg. monthly full coverage premium for high-risk drivers
$450	$217	$295

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.

Provider	Full coverage monthly	Minimum liability coverage monthly
Allstate	$154	$115
GEICO	$247	$186
Progressive	$149	$88
State Farm	$141	$105
Nationwide	$340	$254
USAA	$164	$123

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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. monthly full coverage premium
Poor (550-649)	$315
Average (650-699)	$257
Good (700-749)	$246
Excellent (750+)	$226

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 as much as $309 per month for car insurance.

Violation	Avg. monthly full coverage premium
At-fault accident	$333
DUI	$309
Speeding ticket	$307

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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.

The average premium for teenage drivers is $450 per month.

Age	Avg. monthly full coverage premium
Teens	$450
20s	$333
30s	$269
40s	$245
60s	$217

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. monthly full-coverage premium
Atlanta	$313
Alpharetta	$240
Savannah	$270
Macon	$303
Augusta	$229
Athens	$209

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 who 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 who 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.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in GA

Is car insurance expensive in GA?

Car insurance is more expensive in Georgia than it is in some other states. The average cost of car insurance in Georgia is $252 per month for full coverage policies — compared to the national average of $193.