Average Car Insurance Cost in Georgia (2025)
Drivers in Georgia pay an average of $206 per month for car insurance.
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Georgia residents pay an average of $163 per month for liability insurance and $249 for full coverage, according to Insurify data. For comparison, U.S. drivers pay $103 per month for liability and $182 for full coverage, on average. Georgia drivers may pay more than the national average partially due to the high percentage of uninsured drivers in the state.1
Average premiums in Georgia have continued to increase the past two years. But you can still find affordable insurance in the Peach State by comparing quotes.
Here’s what you should know about car insurance in Georgia, including what factors affect average costs.
How much is car insurance in Georgia?
In Georgia, average car insurance costs are $163 per month for liability-only coverage and $249 per month for full coverage.
Factors like your ZIP code, driving history, gender, credit history, and discounts affect your specific insurance premium.
How Georgia car insurance rates have changed over the past two years
The average price for full-coverage car insurance in Georgia rose to more than $2,800 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Georgia.
See how Georgia car insurance prices have changed over the past two years below.
Average Georgia car insurance rates by city
Car insurance quotes in Georgia vary by city and ZIP code. Local factors like weather conditions, traffic congestion, and crime rates all affect rates. For example, average monthly premiums for Atlanta drivers are $239 for liability-only insurance. But drivers in a smaller city like Albany pay an average of $145 per month for the same coverage.
Compare the average rate for car insurance for various cities in Georgia in the table below.
Average Georgia car insurance rates by age and gender
Age and gender influence car insurance premiums in Georgia. Due to limited experience behind the wheel, teenagers and young drivers in the state usually face higher car insurance costs. Additionally, young males tend to pay more for auto insurance due to their greater risk of accidents.
The good news is average rates begin to decrease with age for drivers older than 25. Here’s a look at the average car insurance premiums in Georgia by age and gender.
Average cost to insure popular vehicles in Georgia
The most popular vehicles in the Peach State are the Ford F-Series, Chevrolet Silverado, Toyota RAV4, Tesla Model Y, and Toyota Camry.
The F-Series and Silverado are solid vehicles for drivers who want high-performing trucks that can handle Georgia’s highways and country roads. The third-most-popular vehicle in the state, the RAV4 is a safe, fuel-efficient SUV. Georgia residents who want an electric vehicle may purchase the Model Y, whereas drivers who prefer a spacious, affordable sedan may like the Camry.
See the average monthly costs of car insurance for these vehicles in Georgia below.
How your driving record affects car insurance rates in Georgia
Car insurance companies look at your driving record to gauge the level of risk you pose on the road. A clean driving record indicates less risk and leads to lower premiums. But if your record shows traffic violations — such as speeding tickets, at-fault accidents, or DUI convictions — you’ll likely face more expensive coverage. To find affordable auto insurance, be sure to drive safely and adhere to all road rules.
Below, you can compare average quotes for a sample Georgia driver profile with an incident on their record.
Georgia permits your car insurance company to look at your credit history when determining your premiums. Research shows that drivers with excellent or good credit are less likely to file claims.2 As a result, you can typically pay less for car insurance if you have a strong credit history.
The table below shows average monthly car insurance rates in Georgia by credit tier.
How to lower your insurance costs in Georgia
You can use the following tips to find affordable car insurance in the Peach State:
Georgia average car insurance cost FAQs
Here are some common questions about auto insurance coverage in Georgia.
What is the average annual cost of car insurance in Georgia?
In Georgia, drivers pay average annual premiums of $1,957 for liability coverage and $2,993 for full coverage. Your age, gender, ZIP code, and driving history affect your insurance quote.
What is the cheapest car insurance company in Georgia?
Hugo has the lowest car insurance rates in Georgia, with a liability coverage average of $60 per month.
Progressive and Mile Auto also have affordable coverage, with respective average liability rates of $84 and $89 per month. The best way to find cheap car insurance is to compare quotes from multiple insurance companies at once.
How much is car insurance per month in Georgia?
Drivers in Georgia pay an average of $163 per month for liability coverage and $249 for a full-coverage policy. The overall average cost of coverage in the state is $206 per month.
What are the best auto insurance companies in Georgia?
The best car insurance companies in Georgia depend on your particular budget and needs. But some good options to explore include State Farm, Allstate, Bristol West, COUNTRY Financial, and Clearcover.
State Farm, in particular, has affordable average coverage, quality coverage options, and solid customer satisfaction and financial strength ratings.
What are the car insurance requirements in Georgia?
Per Georgia law, all drivers must carry state-minimum bodily injury and property damage liability coverage. Drivers need $25,000 per person in bodily injury liability, $50,000 per accident in bodily injury liability, and $25,000 in property damage liability.4 Failure to carry state-minimum coverage can lead to penalties like fines and a license suspension.
You should consider more than the state-minimum liability insurance if you want financial protection for your vehicle.
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