What's the Average Cost of Car Insurance in Georgia?

The Zebra
Oct. 11, 2018

Auto insurance policies are inexpensive in Georgia. The average car insurance cost in Georgia is $1,388 per year — less than the nationwide average by 2.8%.

Your car insurance premiums are impacted by more than just the state in which you live. Auto insurance premiums price based on a number of components, including a motorist's age, gender, marital status, credit rating, and driving history.

We analyzed average Georgia car insurance prices by all of the significant rating factors. See below how much car insurance runs in your state — or enter your zip code to see personalized rates from popular insurers.


Average Car Insurance Rates in Georgia by Age Group

It’s a fact of life: as you get older, your car insurance premiums shift. Generally, car insurance is pricier for young drivers, as insurers see inexperienced motorists as less responsible.

In Georgia, auto insurance costs $6,277 per year for a 16-year-old motorist, compared to $1,184 per annum for a driver in their 50s.


GEORGIA CAR INSURANCE COSTS BY AGE
Age Average Annual Premium
16 $6,276.89
17 $5,250.77
18 $4,625.53
19 $3,443.10
20s $1,902.64
30s $1,348.66
40s $1,283.33
50s $1,184.47
60s $1,226.11
70s $1,531.37



Average Auto Insurance Premiums in Georgia by Gender

While gender does not have as sizable an impact on car insurance premiums as state or age, it is employed as a rating factor. Women pay less than do men for car insurance in Georgia, but the disparity is just $44.36 per year.

GEORGIA CAR INSURANCE PRICES FOR MEN AND WOMEN
Gender Average Yearly Rate
Male $1,369.06
Female $1,324.70



Average Car Insurance Rates in Georgia by Marital Status

One benefit of married life — aside from the honeymoon — is the improved deal you tend to receive on your auto insurance. In Georgia, married motorists save $117 annually on auto insurance policies. This is a better deal than the national post-wedding price cut of $76.


GEORGIA AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,369.06
Married $1,251.96
Divorced $1,369.06
Widowed $1,316.31



Average Auto Insurance Prices in Georgia by Credit Tier

Car insurers utilize credit history as a way of determining the reliability of a prospective client. Historical trends indicate drivers who carry superior credit histories are more dependable auto insurance customers: they less frequently file claims for which insurance companies end up on the hook.

In Georgia, a car insurance client with excellent credit saves $1,231.71 per year on car insurance, compared to a driver who has a low credit history. Learn more about how credit score affects auto insurance expenditures:


GEORGIA AUTO INSURANCE COSTS BY CREDIT QUALITY
Credit Level Average Annual Rate
Very Poor (300-579) $2,457.00
Fair (580-669) $2,029.18
Good (670-739) $1,702.95
Very Good (740-799) $1,419.74
Exceptional (800-850) $1,225.29



Typical Car Insurance Costs for High-Risk Drivers in Georgia

If you’re discovered to be to be at fault for an accident or convicted of a driving violation, your insurance premiums are going to grow. The more offenses you accumulate, the more costly your car insurance policy gets.

In Georgia, your first minor at-fault accident leads to a penalty of $813.03 annually in auto insurance payments. A DWI — one of the most serious driving violations — will grow your insurance rates in Georgia by an average of $713.27.


GEORGIA AUTO INSURANCE PRICES AFTER VIOLATIONS
Age Average Yearly Rate
DUI/DWI $2,101.10
Reckless Driving $2,214.68
At-Fault Accident (<$1,000) $2,200.87
At-Fault Accident ($1,000-$2,000) $2,242.32
At-Fault Accident (>$2,000) $2,200.87
Open Container $1,780.76
Speeding (21-25 MPH > limit) $1,680.95
Speeding (16-20 MPH > limit) $1,680.95

If your policy is more costly than the state average, consider shopping to discover inexpensive insurance coverage that fits your budget.


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