As many drivers can attest, car insurance prices commonly increase year-over-year. But rate hikes aren't always the prevailing trend, and rate changes can be isolated to specific regions.
A client's location is one of the rating factors insurance companies use to set rates. The state, city, and ZIP code in which a car is parked and operated contribute to auto insurance prices — this comes down to state laws and the differing levels of risk associated with insuring cars in various areas of the country.
Because auto insurance pricing is so multi-faceted, yearly price trends vary by state. Car insurance rates could be on their way up year-over-year in one state while decreasing for drivers one state over.
See below auto insurance rate trends in Georgia. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's car insurance comparison tool furnishes car insurance rates based on your specific profile — enter your ZIP below to get started.
Car insurance pricing trends in Georgia
In Georgia, the average annual auto insurance premium went up by $105 in the past year. A driver in Georgia typically now pays an average premium of $1,547 each year.
The year-over-year trend in Georgia is leaning toward more expensive car insurance. Between 2015 and 2018, rates increased by an average of $386 each year. At the same time, auto insurance costs nationwide have risen in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.
GEORGIA AUTO INSURANCE PRICE TRENDS
|Year||Avg. Annual Premium — Georgia||Yearly Change — Georgia||Avg. Annual Premium — USA||Yearly Change — USA|
If your rate trends vary from those above, consider shopping around to find a better deal.
See rates now!
How are auto insurance rates changing in big cities in Georgia?
Auto insurance rates are priced at the local level, with a variety of location-specific variables impacting how much you pay. That means drivers could see major differences in their insurance rates, based solely on their ZIP code or city. For instance, Sandy Springs drivers endured a larger yearly rate increase (5.6%) than did drivers in Atlanta (5.4%) between 2018 and 2017.
See below annual rate changes in major Georgia municipalities. If your city is expensive — and moving isn't on the table — you can always shop around for a more affordable rate.
|City||Avg. Premium Increase — 2018 vs. 2017|