Car Insurance Comparison: Georgia vs. California

Planning a move from Georgia to California? Remember to update your car insurance.

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By Ross Martin
Updated July 2, 2022
Edited By Kristine Lee

Comparing auto insurance in Georgia and California

If you are relocating from Georgia to California, chances are you're considering the big-picture concerns and major expenses: contracting a reliable long-haul moving company, getting somewhere to live in your new city, and physically moving across state lines.

Amidst the stress of a big move, it's easy to overlook some details. Car insurance is just a detail, but it's a big one. To find a good deal and stay street legal, you should plan to update your policy — or purchase a new policy — when you move.

Consult our guide to auto insurance in Georgia versus California and make your move painless. We'll cover the following:


  1. Insurance cost comparison
  2. Rates by coverage level
  3. Cheap companies by state
  4. Rates in major cities
  5. Additional resources


Georgia vs. California auto insurance — average prices

Expect to pay more for auto insurance in California than you did in Georgia. The average annual auto insurance rate in California is $251 more costly than the average expense in Georgia. The precise cost will depend on your coverage choice, insurance history, and your choice of insurance company.


AUTO INSURANCE PREMIUMS IN GEORGIA AND CALIFORNIA
State Average Annual Rate
Georgia $1,455
California $1,707


Car insurance costs by coverage tier

How much you spend on car insurance depends on your vehicle, your personal driving profile, and how much protection you want from your insurer.

If you select state minimum liability auto insurance coverage, you'll get bodily injury, property damage liability, and medical payment coverages, plus uninsured and underinsured driver coverage and personal injury protection (PIP) in some states.


CAR INSURANCE PREMIUMS — MINIMUM LIABILITY COVERAGE IN GEORGIA vs. CALIFORNIA
State Duration Premium
Georgia Annual $548
California Annual $573
Georgia 6-Month $274
California 6-Month $286
Georgia Monthly $46
California Monthly $48


Electing full-coverage car insurance will certainly cost more, but you'll receive comprehensive and collision coverages, along with extras like rental reimbursement and roadside assistance protection. The chief pro of full coverage is that it insures you and your vehicle more completely than does basic coverage. If you want to do everything possible to protect your vehicle, consider full coverage.


CAR INSURANCE RATES — FULL COVERAGE IN GEORGIA vs. CALIFORNIA
Location Time Period Rate
Georgia Annual $1,321
California Annual $1,626
Georgia 6-Month $661
California 6-Month $813
Georgia Monthly $110
California Monthly $135


Cheap car insurance companies in Georgia and California

A major determinant of your auto insurance costs is your choice of car insurance company. Companies set premiums in a number of ways, resulting in major price variations. Location also matters: some regional companies sell policies only in certain places, while major insurance companies shift rates by state.

When moving, you should try to locate the best cheap car insurance company in your new location. Get started below by viewing the five cheapest auto insurance companies in Georgia and California.


AFFORDABLE AUTO INSURANCE COMPANIES IN GEORGIA
Insurance Company Average Annual Rate
Auto-Owners $847
The Hartford $904
USAA $988
Central Mutual $1,181
MetLife $1,251


See other cheap auto insurance companies in Georgia.


CHEAP AUTO INSURANCE COMPANIES IN CALIFORNIA
Insurance Company Average Annual Rate
USAA $1,132
Wawanesa $1,169
Century National $1,202
CSAA $1,210
Nationwide $1,238


View other cheap auto insurance companies in California.


Car insurance rates by city in Georgia and California

Though car insurance is legislated at the state level, underwriters price rates by ZIP code to account for unique factors such as density and the likelihood of a crash. The location to which you relocate plays a big part in deciding your premiums.

The below tables show auto insurance rates in major cities in California and Georgia.


CAR INSURANCE COSTS BY CITY IN GEORGIA
City Average Annual Rate
Atlanta $1,391
Columbus $1,231
Savannah $1,215
Sandy Springs $1,255
Macon $1,266


View a more comprehensive list of Georgia cities.


AUTO INSURANCE PREMIUMS BY CITY IN CALIFORNIA
City Average Annual Premium
Los Angeles $2,125
San Diego $1,354
San Jose $1,409
San Francisco $1,728
Fresno $1,487


Seeking data on another city? View more insurance rates for California cities.


More information on moving from Georgia to California

When you move from Georgia to California, you will encounter new rules of the road, potentially different SR-22 rules, and more. Ensure your move is as easy as possible with our data on your new home:

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple Dollar, The Balance, Car and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin 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.

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  • 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.