Car Insurance in Georgia
- Compare the cheapest car insurance quotes in GA with The Zebra
- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Georgia car insurance quotes
Car insurance in Georgia costs $991 for a 6-month policy — 13% more expensive than than the national average rate. While not always recommended, drivers in Georgia looking for the cheapest coverage can drop to liability coverage for $370 for a 6-month policy.
Our agents and insurance experts analyzed Georgia car insurance quotes across different coverage levels, driving histories and companies to find you the best policy.
Continue reading to find out how much auto insurance costs in Georgia so you know what's fair for your situation. If you're ready to see how much you can save by shopping around, submit your ZIP code above to get personalized auto insurance quotes from top companies.
The best car insurance in Georgia — The Zebra's picks
Here are the top three car insurance companies in Georgia, according to third-party customer satisfaction ratings from J.D. Power.
Nationwide offered the cheapest full coverage insurance in Georgia at $119/mo
It's definitely a good idea to start your search with our picks, but there are many other great options for car insurance coverage in Georgia that could be a great fit. Below you'll find some of the other top insurance companies in Georgia as well as their average costs for a full coverage policy.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Compare Georgia car insurance quotes and companies with The Zebra
Cheap liability coverage in Georgia
Your selected coverage level significantly impacts the amount you pay. In Georgia, the typical cost for liability coverage stands at $370 for a regular 6-month policy. The following table displays yearly rates from leading insurance providers in Georgia for liability coverage.
Georgia state minimum coverage
Based on our records, 45% of drivers in Georgia opt for just liability insurance for their cars. Even though choosing the most basic coverage in Georgia might seem appealing, many insurance experts suggest that it's not the most prudent decision because it leaves both you and your car vulnerable. In order to drive legally in the state of Georgia, you must carry at least the minimum liability limits listed below:
- Bodily injury: $25,000 per person
- Bodily injury: $50,000 per accident
- Property damage: $25,000 per accident
Cheap full coverage car insurance in Georgia
In Georgia, a full coverage policy with $500 deductibles for both comprehensive and collision coverage is priced at $991. The following displays yearly rates from the top insurance providers in Georgia for such coverage.
About 55% of drivers in Georgia insure their vehicles with full coverage. While the exact definition may vary, full coverage usually consists of comprehensive and collision coverage as well as:
- Loan/lease payoff
- Roadside assistance
- Medical and funeral services
- Rental car reimbursement
- Personal injury protection*
- Uninsured/underinsured motorist bodily injury
If you opt for a higher tier of coverage, you can choose a policy with comprehensive and collision. These coverages will protect against the costs of car accidents, theft, vandalism, or weather incidents. Keep in mind that better coverage comes with a higher cost: in Georgia, a full coverage insurance policy with a $500 deductible costs $991 compared to $370 for liability-only coverage.
Cheap auto insurance for young drivers in Georgia
Young drivers — aged between 16 and 25 — have a hard time finding cheap car insurance in Georgia. In Georgia, teens pay $5,760 per year, which is more than $4,231 than the national average and over three times as much as a 30-year-old Georgia driver.
Find the best coverage and price in Georgia with The Zebra
Georgia auto insurance costs after an accident or ticket
Finding affordable car insurance in Georgia following an accident can be challenging. Insurers evaluate past accidents and tickets to determine the risk you present as a policyholder. A recent at-fault accident might lead to your car insurance rates rising up to approximately $755 annually.
Here's what leading insurance providers in Georgia might charge you after being at fault in an accident.
In Georgia, a bad driving record can cause your rates to skyrocket. Getting a ticket or citation is likely to raise your car insurance premiums. The extent of the increase is influenced by the nature of the violation, your insurance company's pricing criteria, and varying local insurance rules and risks. This is why the effect of tickets on insurance might differ in your state from the national average.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,982||0%||$0|
|Two Med/PIP claims||$1,989||0%||$8|
|One comp claim||$1,994||1%||$13|
|Two comp claims||$2,029||2%||$47|
|Driving without lights||$2,240||13%||$258|
|Failure to wear a seat belt||$2,255||14%||$273|
|Child safety restraint||$2,261||14%||$280|
|Failure to show documents||$2,318||17%||$337|
|Driving with expired registration||$2,408||22%||$427|
|Speeding 6 - 10 MPH over limit||$2,471||25%||$489|
|Speeding in school zone||$2,471||25%||$489|
|Driving too slowly||$2,471||25%||$489|
|Texting while driving||$2,477||25%||$495|
|Cell phone violation||$2,477||25%||$495|
|Speeding 11 - 15 MPH over limit||$2,478||25%||$496|
|Following too closely||$2,485||25%||$503|
|Failure to yield||$2,485||25%||$503|
|Speeding 16 - 20 MPH over limit||$2,490||26%||$508|
|Failure to stop at a red light||$2,492||26%||$510|
|Wrong way/wrong lane||$2,499||26%||$517|
|Speeding 21 - 25 MPH over limit||$2,586||30%||$604|
|Passing school bus||$2,605||31%||$623|
|Operating a vehicle without permission||$2,631||33%||$650|
|At-fault accident - less than $1000||$2,643||33%||$661|
|At-fault accident - $1000-$2000||$2,843||43%||$862|
|At-fault accident - greater than $2000||$2,864||45%||$882|
|In 65 MPH zone||$2,876||45%||$895|
|Refusal to submit to a chemical test||$3,670||85%||$1,689|
|Driving with a suspended license||$3,672||85%||$1,691|
|Leaving scene of an accident/hit and run||$3,811||92%||$1,830|
The Zebra's guide to Georgia car insurance laws
Car insurance is required in almost every state, including Georgia. Georgia mandates every driver to carry a certain amount of coverage to drive and even park on public roads.
Learn more about car insurance requirements in the state of Georgia with our helpful guide.
Georgia DUI laws
If you get a DUI in Georgia, this violation can increase your auto insurance premium by 87%. It can be a challenge to find affordable car insurance with a recent DUI on your record, as it often triggers a larger uptick in premium costs than many other citations.
Low-cost car insurance after a DUI in Georgia
It’s integral to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Georgia. Car insurance premiums following a DUI can vary substantially by insurance company. For example, the least expensive car insurance company with a DUI in Georgia, Auto-Owners, advertises annual rates 43% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Georgia is Allstate, while the most expensive is GEICO, with prices 61% above average.
Georgia SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Georgia to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Georgia might require some research, but it could pay off in the end.
How to acquire an SR-22 in Georgia
For currently insured drivers
If you already have an active auto insurance policy, requesting an SR-22 is fairly straightforward. Contact your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.
Find an affordable policy in Georgia in minutes!
Car insurance costs trends in Georgia
In Georgia, average annual auto insurance costs decreased by just $4 in the past year. A typical Georgia driver pays an average of $991 for a 6-month policy.
Year over year pricing trends in Georgia tends to be more volatile compared to rates across the United States. The steepest decrease occurred from 2012 to 2013, while the highest surge took place from 2011 to 2012. In recent years, premiums in Georgia have somewhat stabilized.
|Year||Avg. Annual Premium — Georgia||Yearly Change — Georgia||Avg. Annual Premium — US||Yearly Change — US|
If your premiums are increasing more rapidly than the state's average, it's time to explore other options. The Zebra's auto insurance comparison tool provides tailored quotes for your unique profile. Simply input your ZIP code below to begin.
Georgia car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Georgia auto insurance.
Who actually has the cheapest car insurance in Georgia?
Auto-Owners has the cheapest rates in Georgia at $96 per month for a full coverage policy. Nationwide and Georgia Farm Bureau also offer rates that are lower than average. The best way to find the cheapest car insurance in Georgia is to compare auto insurance quotes from as many companies as possible.
How much is car insurance in Georgia?
The average quote in Georgia for full coverage is $767/6-month policy, or $128 per month. The cheapest option, liability-only, is $370 for a 6-month policy.
Why is car insurance so expensive in Georgia?
Georgia's average premium ($1,535/year) is comparable with the nation's average ($1,529), costing just $6 more.
Do you have to have car insurance in Georgia?
In order to legally drive your car on public roads, the state of Georgia requires you carry at least liability coverage. If you're leasing or financing your vehicle, additional coverages like comprehensive and collision are usually required.
Save money on your next car insurance policy!
Learn more about car insurance in Georgia
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- Car Insurance in Atlanta, GA
- Car Insurance with a DUI in Georgia
- Augusta, GA Car Insurance
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.