Average cost of car insurance in Georgia for 2024

How much is car insurance in Georgia? 

Drivers in the Peach State pay an average annual price of $1,029 for state-mandated minimum car insurance coverage. Full coverage, which includes optional collision and comprehensive insurance, costs an average of $2,876. These rates are slightly higher than national averages, which are $678 for minimum and $2,458 for full coverage. Finding the right insurance coverage for you may be a matter of determining priorities and shopping around for the best price. Bankrate's insurance editorial team created this guide to Georgia car insurance to help you make the best decision on a policy that fits your own unique circumstances and needs.

Key takeaways

• The annual average cost of full coverage car insurance in Georgia is $2,876 and $1,029 for minimum coverage — slightly higher than the national average of $2,458 for full coverage and $678 for minimal coverage.
• In Georgia, 18-year-olds have the highest average annual premiums out of all other age groups for full coverage car insurance, at $8,303 per year.
• The average car insurance cost in Georgia varies by city, with Atlanta having an annual average rate that is 14 percent more than the state average, while Augusta has one that is 10 percent less.
• Drivers with poor credit in Georgia pay an average of 89 percent more on full coverage auto insurance.

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Georgia car insurance rates by city

Location can be a key determiner when considering rates, which is why car insurance rates vary greatly between states. In fact, car insurance companies look even more closely at your location when setting rates, so car insurance costs vary by city and even by ZIP code. Insurers consider a location’s vehicle crime and accident rates in order to determine how risky it is to insure a driver there. Below are the average rates for 10 cities in Georgia, along with a percentage representing how much that city’s average premium deviates from the state average.

Average car insurance costs by age and gender in Georgia

While not all states allow insurers to determine rates based on gender and age, Georgia car insurance is impacted by age and gender. Generally, auto insurance rates change with age, getting cheaper as you age. In the Peach State, males tend to face higher rates than females, because they are viewed as higher-risk for all age groups. The tables below show how gender impacts car insurance rates in Georgia.

Cost considerations for young drivers in Georgia

One way to cut costs as a young driver is to remain on your parent's policy for as long as possible. When a new driver is listed on a policy with older drivers with more experience, the risk of an accident is drastically reduced and that vehicle may also benefit from policy discounts, resulting in a lower price. Here is a table showing the price difference for youth drivers on their parents' policy versus their own.

How does driving record impact the cost of car insurance in Georgia?

Driving records are one of the most significant factors when looking at car insurance rates in Georgia. The type of infraction determines how much your insurance rates will be affected. For instance, drivers with a DUI conviction in Georgia pay an average of 81 percent more for their annual premium, while a speeding ticket leads to an average increase of 25 percent more. It’s important to note that some insurers may refuse coverage to drivers with DUIs or multiple instances of lesser infractions.

The table below highlights the average increase in premiums in Georgia that drivers face after different types of driving incidents.

Car insurance rates in Georgia by credit score

In those states that allow it, like Georgia, car insurance companies utilize driver’s credit scores to create a credit-based insurance score that helps them calculate rates. In general, the better your credit score, the better your rate. A credit rating of poor in Georgia contributes to a premium that is 89 percent more than the state average. Conversely, a credit rating of excellent in Georgia results in an average premium that is 15 percent less than the state average.

Georgia car insurance rates by vehicle type

Car insurance rates vary by vehicle make and model, since different types of cars have different crash statistics, repair costs and safety features. Cars that cost more to repair, such as foreign vehicles with imported parts, are generally associated with higher car insurance premiums. If a car has higher crash statistics, an insurance company may find you more likely to be involved in a car accident and may quote higher premiums. However, if your car is equipped with certain safety features, your car insurance provider may lower your rates.

Estimate your car insurance cost in Georgia

With so many factors and decisions involved in car insurance costs, estimating what you can expect to pay for coverage can be challenging. To make it easy, Bankrate created the handy estimation calculator tool below. After entering some basic information, you'll get a rough insurance premium estimate. While this is not an exact quote, it can give you a good idea so you can budget accordingly.

How to save on car insurance in Georgia

Savings on car insurance in Georgia can come in many forms. Because so many variables that affect auto rates can change over time, you may be your own best source of potential savings. For instance, changing how you drive can potentially make a significant difference in your rates. Some useful tips and strategies are outlined below.

• Drive safely: Safe driving can help keep your driving record clean, while potentially qualifying you for discounts. You might pay more attention to your braking and acceleration speeds and what time of day you drive, for example.
• Right-size your coverage: Rates are proportional to coverage, and you might be able to save by reducing coverage amounts or types. For instance, if your car has significantly depreciated in value since you originally took out the policy, you might want to drop full coverage in favor of minimum coverage or adjust your deductible.
• Compare insurers: Comparing quotes from multiple insurers can help you to identify competitive rates for the same types of coverage. Keep in mind that rates fluctuate, so you might want to shop for insurance at renewal time.
• Look for discounts: Many insurers offer numerous discounts to qualifying drivers. Popular discounts include bundling, multi-policy and paid-in-full.
• Enroll in usage-based programs: Usage-based car insurance, or telematics programs, may let you pay less when you drive more safely or infrequently. Be aware that some insurers reserve the right to raise your premium based on poor driving habits.
• Improve your credit score: If your credit record is not great, taking steps to improve it could lower your auto insurance rates in Georgia. You might try to pay down debt or make monthly payments on time.
• Raise your deductible: If you can manage a higher deductible, you could lower your premium. That said, be sure not to raise it beyond your financial comfort level.

Frequently asked questions

These are sample rates and should only be used for comparative purposes.