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Car insurance costs in Georgia exceed the national average rate of $233 per month at an average rate of $282 per month, making the Peach State the 12th most-expensive state for auto insurance. According to Insurify data, Georgia ranks as the fifth most-accident prone state, which could be at least partially responsible for its higher premiums. With 159 counties, Georgia is the biggest state by size compared to all other states east of the Mississippi River.
The average cost of car insurance in Georgia is $282/mo.
State Farm is the cheapest provider in Georgia with average rates of $145/mo.
The easiest way to cut car insurance costs is to compare quotes online.
Table of contents
- Best cheap car insurance in Georgia: State Farm
- What to know about minimum car insurance requirements in Georgia
- Tips for getting cheap car insurance in Georgia
- Liability-only vs. full-coverage insurance in Georgia
- How your driving history affects Georgia car insurance rates
- How credit scores affect Georgia car insurance quotes
- How your city affects Georgia car insurance quotes
- How your age affects your Georgia car insurance rates
- Georgia car insurance FAQs
Best cheap car insurance in Georgia: State Farm
Our data scientists use the latest tools and technology to gather data on the best auto insurance companies in the state of Georgia and calculate an Insurify Composite Score (ICS) for each, reflecting the quality and reliability of an insurance provider. With an ICS of 88 and an average monthly quote of $145, State Farm leads the list of the best insurance providers in Georgia.
|Car Insurance Company||Insurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.||Average Monthly Quote|
|Midvale Home & Auto||N/A||$279|
Learn More: Best Car Insurance Companies
Insurify Composite Score (ICS)
To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.
What to know about minimum car insurance requirements in Georgia
Georgia requires insurance for all motor vehicles operated or parked on state roadways. If you drive in Georgia, you’ll need to have proof of insurance in your car at all times. And you’ll need to make it available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Georgia are:
$25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$25,000 per person and $50,000 per accident for uninsured motorist bodily injury and $25,000 per accident for uninsured motorist property damage: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.
Georgia DMV information
Georgia has two agencies that perform the duties of the DMV, the Department of Driver Services and the Motor Vehicle Division of the Georgia Department of Revenue. The Department of Driver Services is responsible for driver’s licenses and permits, while the Motor Vehicle Division handles vehicle registrations and license plates.
Public transportation in Georgia
The best way to get around Georgia — including the major cities, such as Atlanta — is by car. That said, some statewide and local public transportation is available to residents. The MARTA train and bus system allows Atlanta residents to travel throughout the Metro Atlanta region. Rideshare apps like Lyft and Uber are also widely available in many areas throughout the state.
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Tips for getting cheap car insurance in Georgia
Shopping around is the most effective way to find the best rates for car insurance. Georgia auto insurance companies use factors like your driving record, age, and credit score differently to calculate your car insurance quote, so it is important to see what your options are before committing to one provider. You can easily compare quotes online today.
Other ways to reduce car insurance costs include:
Taking a higher deductible.
Choosing liability-only coverage (if you can).
Keeping your credit score in good shape.
Practicing safe driving habits.
Taking advantage of car insurance discounts.
Liability-only vs. full-coverage insurance in Georgia
Each state sets its own minimums for how much liability insurance it requires drivers to carry. In Georgia, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Liability-only insurance can make sense if:
You have a low-value vehicle.
You can afford to repair or replace your car out of your own pocket.
Getting the cheapest insurance possible is your top priority.
For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.
You may also opt for full coverage if:
You have a high-value vehicle.
You wouldn’t be able to afford to repair or replace your car out of pocket.
Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.
Here’s a look at the cheapest auto insurance in Georgia by policy type.
|Car Insurance Company||Average Monthly Quote: Liability||Average Monthly Quote: Full Coverage|
|Midvale Home & Auto||$208||$279|
How your driving history affects Georgia car insurance rates
Your driving history significantly affects your car insurance costs. Drivers whose records are free of serious traffic violations like speeding tickets or reckless driving are considered good drivers, and they tend to get the best car insurance rates in Georgia. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.
Here’s a look at average monthly quotes for the cheapest car insurance in Georgia based on driving and accident history.
See More: High-Risk Car Insurance Georgia
|Car Insurance Company||Clean Record||At-Fault Accident||With a DUI||Speeding Ticket|
|Midvale Home & Auto||$243||$422||$410||$379|
See More: SR-22 Insurance Georgia
SR-22 insurance in Georgia
If you’re penalized for driving under the influence, you’ll likely be required to obtain a special SR-22 form before you can get back on the road. An SR-22 proves that you carry the minimum car insurance required by the state of Georgia and are financially responsible while driving. The insurance companies below all offer SR-22 insurance for drivers in Georgia.
How credit scores affect Georgia car insurance quotes
Georgia permits car insurance companies to consider your credit history when determining your car insurance premiums — not all states allow it. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.
|Credit Tier||Average Monthly Quote|
See More: Bad Credit Car Insurance Georgia
How your city affects Georgia car insurance quotes
Your car insurance rates depend on where you live in Georgia and can vary significantly from city to city. Drivers in Atlanta and Decatur can expect the highest average car insurance costs, at $351 and $415 per month, respectively. Alternatively, drivers in Sycamore and Valdosta earn the cheapest rates, at $206 and $221 per month, respectively. Find more rates in the chart below.
How your age affects your Georgia car insurance rates
Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.
The following table gives a high-level view of how age can affect insurance rates.
Quotes for younger drivers
Drivers younger than 25 generally pay the highest car insurance rates. For example, in Georgia, a liability-only policy from Travelers is the cheapest for a young driver, but it’s also about 32% more than the cost of the same policy for a senior driver.
|Car Insurance Company||Liability Only||Full Coverage||With an Accident||With a DUI|
|Midvale Home & Auto||$309||$372||$448||$325|
Quotes for middle-aged drivers
Car insurance premiums tend to decline for drivers who are older than 65 — especially if they have a clean driving record. In Georgia, Mile Auto offers the lowest monthly cost for minimum coverage for middle-aged drivers.
|Car Insurance Company||Liability Only||Full Coverage||With an Accident||With a DUI|
|Midvale Home & Auto||$172||$231||$285||$420|
Quotes for senior drivers
Drivers in their 60s and older typically pay the least for car insurance, although their rates can begin to creep upward as they age. Still, their rates are significantly lower in Georgia than those for other age groups. Georgia seniors can score a liability-only policy from Progressive for as little as $100 per month.
|Car Insurance Company||Liability Only||Full Coverage||With an Accident||With a DUI|
|Midvale Home & Auto||$161||$210||$280||$187|
Georgia car insurance FAQs
Top auto insurance providers offering the cheapest car insurance in Georgia include State Farm, Allstate, and American Family. Drivers in the state pay a monthly average of $145 with State Farm, $152 with Allstate, and $161 with American Family for full-coverage car insurance. Mile Auto also provides Georgians with low average rates of just $168 per month.
Beyond its status as one of the cheapest overall insurers in Georgia, Progressive offers the cheapest average rates for both middle-aged and senior drivers. The cheapest auto insurer by coverage level, regardless of age or driving record, is Allstate, with monthly averages of $127 for liability-only insurance and $152 for full-coverage insurance.
Georgia is the 11th most-dangerous state to drive in, and 19% of drivers in the state have a car incident on their record. Specifically, Georgia ranks seventh in the country for the number of auto accidents by drivers in the state. Georgians with a past DUI or at-fault accident pay the highest rates by driving history, especially compared to those with clean records.
Your specific location within the state will significantly impact your premium. Drivers in Atlanta face some of the highest rates, largely due to population density and high traffic congestion, which make accidents more likely. We found that Atlanta had a congestion level of 26% and ranks 10th on the list of American cities with the most traffic.
On average, Georgia drivers spend $282 per month for car insurance coverage, with an annual rate of $3,384. This average exceeds the national average rate of $233 per month and makes it the 12th most-expensive state for purchasing auto insurance coverage. Auto rates are cheaper in nearby states of Alabama, South Carolina, and Tennessee but more expensive in Florida.
Based on our data, however, Georgia car insurance rates have actually decreased by around 8% since 2019. Given the industry conditions and supply chain issues, this trend may shift in the other direction. Premiums ultimately depend on individual factors like driving history, vehicle type, chosen coverage type, location in Georgia, and more.
With an Insurify Composite Score of 96 and a low average monthly rate of $175, the best top car insurance company in Georgia is USAA. Additional top companies include American Family, with an average rate of $161 per month, and Nationwide, with an average rate of $168 per month. Smaller insurance providers, like Safeco and Clearcover, also offer quality coverage.
Nationwide earned strong financial ratings, with an A+ from A.M. Best, an A1 from Moody’s, and an A+ from Standard & Poor’s. The 2022 J.D. Power Auto Insurance Study shows Nationwide with an above-average customer satisfaction rating in the Southeast region, where Georgia is.
No, you are not required to carry personal injury protection (PIP) coverage in Georgia. MedPay, or medical payments coverage, is optional insurance in the state. Required car insurance coverages in the state include bodily injury liability, property damage liability, and uninsured motorist coverage.
As an at-fault state, Georgia drivers who find themselves at fault for an auto accident must also take on the financial responsibility for any resulting expenses. These costs must be paid through insurance coverage or out of pocket.
Georgia law mandates car insurance. Minimum car insurance requirements in the state include:
$25,000 per person and $50,000 per accident for bodily injury liability coverage
$25,000 per accident for property damage liability coverage
$25,000 per person and $50,000 per accident for uninsured motorist bodily injury coverage
$25,000 per accident for uninsured motorist property damage coverage
Bodily injury and property damage liability cover costs like medical bills and vehicle repairs for other parties involved in an accident you cause. Underinsured/uninsured motorist coverage protects you if a person without adequate coverage causes an accident with you. Personal injury protection (PIP) coverage is not required in the state.
Like in most states, Georgia car insurance typically follows the vehicle rather than the driver. This means that if a nonowner borrowed and crashed your vehicle, your insurance coverage for the vehicle would be the main source of financial protection for any claims and coverage. The car insurance of the borrower would come into effect afterward, when and if applicable.
As long as the person who borrowed your vehicle has an up-to-date driver’s license, there should be no major issues accessing your vehicle coverage. Never let drivers without a license, or with a suspended or revoked license, drive your vehicle.
Full-coverage car insurance in Georgia extends coverage beyond the state’s minimum liability coverage requirements. Beyond liability and uninsured/underinsured motorist coverage, full-coverage insurance also includes collision and comprehensive coverage. Not all drivers benefit from a more robust policy, but drivers with expensive vehicles tend to.
Bodily injury and property damage liability cover the medical bills and repairs for others involved in an accident you caused. Uninsured/underinsured motorist insurance covers costs if a motorist without adequate coverage causes an accident. Collision insurance covers your costs in an accident, and comprehensive coverage protects against theft, vandalism, and natural disasters.
How Georgia Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Georgia below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Georgia drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Georgia
State with the Most Speeding Tickets Rank
State with the Moving Violations Rank
State with the Most DUIs Rank
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Georgia is the #5 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #5
- Percent of drivers in Georgia with an accident: 11.1%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Georgia is the #33 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #33
- Percent of drivers in Georgia with a DUI: 1.2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Georgia is the #6 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #6
- Percent of drivers in Georgia with a reckless driving offense: 2%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Georgia is the #4 state in the country for drivers with a rude driving violation on record.
- Rank among states: #4
- Percent of drivers in Georgia with a rude driving violation: 2.6%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Georgia is the #14 state in the country for drivers with a speeding ticket on record.
- Rank among states: #14
- Percent of drivers in Georgia with a speeding ticket: 10.4%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Georgia is the #20 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #20
- Percent of drivers in Georgia with a failure to yield violation: 0.1%
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- Office of Commissioner of Insurance and Safety Fire. "State Minimum Car Insurance Requirements." Accessed November 17, 2022
- Georgia Department of Driver Services. "Manage It All Online." Accessed November 17, 2022
- Georgia Department of Transportation. "Transit." Accessed November 17, 2022
- J.D. Power. "Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds." Accessed November 17, 2022
- Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed November 17, 2022