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The average cost of basic liability car insurance in Georgia is $2,536 per year. Opting for full-coverage car insurance in Georgia will leave you with an average cost of $3,188 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in Georgia
Your car insurance rates could be dramatically different based on your zip code, age, driving history, and other factors. Each insurance company uses a unique formula (based on those factors and many others) to calculate your car insurance quote. That's why it's always important to comparison shop—otherwise you could be overpaying!
Here’s what real Jerry customers in Georgia saved on their auto insurance.
But every auto insurance company uses a slightly different algorithm to calculate your rate—so you may find a better rate with USAA, State Farm, or Nationwide. For instance, the best Georgia car insurance company for a good driver with poor credit in Athens probably isn’t the same company that offers the best rate for a married homeowner with two speeding tickets in Augusta.
Here are quotes from the best car insurance companies in Georgia:
No, it is actually on the low end of what the average driver pays for insurance in Georgia.
Remember, factors like your driving history, zip code, and even marital status also impact your car insurance costs.
Is car insurance in Georgia high?
Yes! In fact, Georgia has some of the most expensive auto insurance costs in the country thanks to its high rate of traffic accidents—and because insurance companies are permitted to raise rates in Georgia without approval from the state insurance commissioner.
How much is the fine for driving without insurance in GA?
Driving without car insurance is illegal in Georgia, and can result in fines of up to $185.
Why does Georgia car insurance cost so much?
What makes the average cost of car insurance in Georgia so high? While the state average cost of auto insurance is slightly below the national average, Georgia is home to a number of risk factors that raise the cost of insurance for many residents.
1. Rapidly growing cities. Urban growth is great news for Georgia’s economy and culture—but bad news for drivers who want to pay less for car insurance. Dense traffic, busy roadways, and high automobile theft rates all raise the cost of auto insurance coverage.
2. Severe storms. Hurricane season, tornadoes, floods, and hail—Georgia drivers have a lot to worry about when it comes to vehicle safety! If you live in an area that’s subject to particularly violent weather events, you might pay a higher rate.
3. High rate of uninsured drivers. According to the Insurance Information Institute, approximately 12.4% of Georgia drivers don’t carry the minimum coverage required by state laws. Uninsured motorists raise the average cost of insurance for everyone else.
Here’s a rundown of what Georgia drivers should know before buying car insurance.
Liability insurance is the only coverage required by Georgia state law. This required coverage pays for medical expenses and vehicle repairs for other drivers if you’re at fault in an accident. Georgia drivers are required to cover minimum liability insurance to prove financial responsibility. This coverage includes $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
How much insurance do I need in Georgia?
Georgia requires $25,000 per person for bodily injury liability, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Georgia a no-fault state?
No, Georgia is an at-fault state This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
But collision and comprehensive coverage, which both pay for damage to your vehicle, are required for what insurance experts call a “full-coverage policy.” They’ll add to your total costs, as shown by the graph, but they also offer some pretty important coverage.
Take a look at the graph below to understand how much you’re paying for each.
Cheap car insurance with a DUI or speeding ticket in Georgia
A driving violation like a speeding ticket or DUI won’t just add points to your Georgia driver’s license—they’ll also raise your insurance rate. In fact, repeated violations or a single serious offense like a DUI could get you labeled a “high-risk driver.” (Spoiler: insurance companies charge high-risk drivers more for the same coverage.)
But that doesn’t mean you can’t get decent insurance with a less-than-perfect record. Check out the savings Jerry found Georgia drivers with violations.
Teen drivers in Georgia pay some of the highest average rates for car insurance. That’s because new drivers like teens lack experience on the road, leading to an increased likelihood of accidents. Georgia ranks 25th in the nation for teenage driver safety.
Teenagers aren’t the only group whose age affects their car insurance premiums. In fact, in 2019, Georgia drivers aged 25 to 34 had the highest driver fatality rate—and men made up two thirds of all fatalities.
In other words, young adults and teenagers—especially male drivers—will have a harder time finding affordable insurance in Georgia than older drivers. But it’s not impossible!
How can young drivers save money on car insurance in Georgia?
Conversely, Valdosta has the cheapest premiums in Georgia. Drivers in Valdosta can expect average rates of $1,216 per year.
City With Highest Rates of Accidents in Georgia
Dacula has the highest accident rates in Georgia, as 14.37% of drivers in Dacula have a prior accident on their record. Drivers in a Dacula zip code can expect higher accident rates to affect their premium.
At an average 43.5 minutes, Snellville has the highest commute time in Georgia. Having a longer commute will put miles on your vehicle and increase the chances of a collision—both of which raise rates.
Your vehicle also will impact your car insurance premiums. In general, if you drive a more expensive car, you can expect to pay more for car insurance.
Let’s compare two of the most popular vehicles in Georgia: the Honda Accord and the Ford F-150. Honda Accord insurance costs are much lower than F-150 insurance costs because the Accord is a more affordable vehicle with better reliability and safety rankings. Insurers see it as a low claims risk.
The F-150, on the other hand, can be expensive to insure, especially if you drive an older truck or a more expensive trim like the F-150 Raptor. As replacement parts and labor become more expensive and difficult to find, the cost of insurance goes up.
On the same note, Georgia drivers who drive a luxury vehicle—like a Lexus GX—will see insurance rates proportional to the cost of the vehicle and higher cost of replacement parts.
The most popular vehicle in Georgia is the Ford F-150. On average, Ford F-150 owners pay $1,180 a year in car insurance. Compared to other trucks, this is relatively cheap. Drivers can save even more by letting Jerry find them the best quote.
What are the car insurance requirements in Georgia?
Most states have minimum insurance requirements that you must meet to hit the road.
Liability insurance is a great start—but it’s just the state minimum requirement, and it may not cover all your expenses in the event of an accident. For instance, you won’t be able to submit a claim for any damage to your own vehicle if you only carry liability coverage. And if you happen to get in an accident with one of Georgia’s many uninsured drivers and don’t have uninsured motorist coverage, you’ll be out of luck.
That’s why it’s generally suggested that drivers carry more than the baseline coverage limits and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Uninsured/underinsured motorist coverage
Purchasing more than the minimum required insurance is usually a good idea. While liability coverage protects others if you’re involved in an at-fault accident, it won’t protect your vehicle.
Considering these risk factors, here are some additional coverages that would serve drivers in Georgia well:
Georgia ranks 39th for traffic and infrastructure. Due to high traffic and poor road infrastructure, the chances that you’ll be involved in a car crash on Georgia’s roads are higher. Get protected with collision coverage.
In Georgia, 12.40% of drivers are uninsured. If you’re in an accident with an at-fault uninsured driver, they won’t have liability insurance to cover your expenses—this is where uninsured motorist coverage kicks in.
Georgia residents rate their roads an unimpressive 5.81/10. With poor road conditions, it’s more likely that you get a flat or become stranded, so you’ll want roadside assistance to help you in a pinch.
How to save money with cheap car insurance quotes in Georgia
While insurance in Georgia isn’t cheap, there are still ways to save money on your car insurance prices.
Shop around for quotes
Shopping around is the best way to find lower rates. Experts recommend getting quotes from at least three different companies—but more is always better—and re-shopping for car insurance every six months or so.
Look for discounts
Most insurance companies have a wealth of discounts available to policyholders. And if you qualify for more than one, they might even let you stack them for increased savings.
Here are some of the most popular ones for drivers in Georgia:
Clean Driving Record Discounts
People with clean driving records are less likely to get in an accident or file claims, which means insurance companies don’t have to pay out as often. To reward safe drivers, most insurance companies will give clean drivers discounted rates.
Customers who bundle more than one kind of insurance, such as auto, home, and renters, are eligible for bundling discounts.
Defensive Driving Discounts
Drivers ages 25 and older in Georgia who have completed an approved defensive driving course, have a clean driving record, and no at-fault accidents can qualify for at least 10% off on their insurance.
Increase your deductible
Increasing your deductible—the amount you pay before insurance—is another way to keep monthly premiums low.
A higher deductible would mean that you’d pay more out of pocket if you make a claim, but you could save money if you don’t think that’s likely. However, it’s important to make sure that you can afford to pay the full deductible each time you would need to file.