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 $1,555, compared to the national average of $1,582.
Keep reading to learn about the factors affecting Georgia’s car insurance rates and how you can save money.
- Key takeaways
- How much does car insurance cost in Georgia?
- Average cost of car insurance in Georgia by provider
- How does credit score affect car insurance rates in Georgia?
- Average car insurance rates for high-risk drivers in Georgia
- How does age affect car insurance rates in Georgia?
- Georgia car insurance rates by city
- GA’s minimum car insurance requirements
- How to save money on car insurance in Georgia
- FAQs about car insurance costs in GA
- The average cost of car insurance in Georgia is $1,555 per year for full coverage policies.
- State-minimum coverage costs an average of $801 per year.
- Teen drivers cost $4,930 per year on average.
How much does car insurance cost in Georgia?
Full coverage policies that include collision, comprehensive, and liability insurance cost an average of $1,555 per year in Georgia. State-minimum policies cost an average of $801 per year.
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. cost for full coverage||Avg. cost for minimum coverage||Cheapest insurance provider|
|Avg. for young drivers||Avg. cost for seniors||Avg. for high-risk drivers|
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 Farm Bureau for full and minimum liability coverage.
|Provider||Full coverage||Minimum liability coverage|
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|
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 $1,514 more per year for car insurance, nearly double the state average. And a speeding ticket may increase yearly premiums by $521.
|Violation||Avg. annual premium before violation*||Avg. annual premium after violation||Avg. cost increase|
*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 premium for 18-year-olds is $5,118 per year — more than double what older drivers pay.
|Age||Avg. annual premium|
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|
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.
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 $1,555 for full coverage policies — compared to the national average of $1,582.
How much is car insurance per year in GA?
On average, drivers pay $1,555 per year for full coverage policies. The average for drivers with state minimum liability policies is $801 per year.