Car Insurance in Georgia

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With over 7 million licensed drivers, Georgia roads are some of the most crowded in the country—which means high car insurance rates. That said, drivers in Georgia can save money on car insurance by comparing quotes with Jerry.
Residents in Atlanta and Jonesboro have some of the highest rates in the region—in part because of heavy traffic and high population density. Georgia is also prone to some major storms, which can also impact car insurance rates.
However, location is just one thing that providers consider when setting car insurance rates. They also will look at your age, driving history, and other factors before giving you a quote.
To help wade through the confusing world of car insurance, shop with Jerry. Jerry is a car super app that will help you find the cheapest car insurance prices. Sign-up takes less than a minute, and Jerry will show you quotes from over 50 top insurance providers. Most Jerry users save $879 per year on car insurance.
Don’t believe us? Here are some real quotes and savings from customers in Georgia who switched with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
April 18, 2021Chevrolet TraxMarietta31Progressive$197/mo.$61/mo.
August 4, 2021Chevrolet Equinox LTSavannah48Mercury$103/mo.$64/mo.
September 14, 2021Chrysler Town & Country TouringToccoa28ClearCover$324/mo.$65/mo.
September 7, 2021Chevrolet Trailblazer LSLoganville26Assurance America$170/mo.$103/mo.
April 20, 2021Chevrolet Traverse LSBuford41Mercury$170/mo.$131/mo.
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How much does car insurance cost in Georgia?

The average cost of liability-only car insurance in Georgia is $2,400 per year. If you prefer to buy full coverage car insurance in Georgia, you can expect to pay an average cost of $3,027 per year.

How does the cost of car insurance in Georgia compare to the rest of the country?

Compared to nationwide averages, it costs $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
Why are Georgia car insurance rates so high? Here are some of the factors:
  • High population density: Georgia cities are rapidly growing, which means there are more people on the road
  • Auto theft: Georgia has a high incidence of automobile theft, so providers will set higher rates
  • Extreme weather: Like many southern states, Georgia can get severe storms that can cause vehicle damage
Here’s how Georgia insurance premiums compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
GA$2,650$1,745$2,384$1,347$3,199$2,469
National Average$2,491$1,672$2,359$1,390$2,763$1,962
GANational Average
All Coverage Before Jerry
$2,650$2,491
All Coverage After Jerry
$1,745$1,672
Minimum Coverage Before Jerry
$2,384$2,359
Minimum Coverage After Jerry
$1,347$1,390
Full Coverage Before Jerry
$3,199$2,763
Full Coverage After Jerry
$2,469$1,962
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Top auto insurance providers in Georgia

Many car insurance providers cover residents of Georgia. Some of the top providers include Geico, State Farm, and Progressive because of their quality customer service and affordability.
However, you may find that another provider better suits your needs.
Each provider sets its own rates using a unique formula, so you’ll likely get drastically different quotes from each provider—even for identical coverage. Providers in Georgia consider attributes like age, location, driving history, marital status, and more when setting your premiums.
Your vehicle also will impact your car insurance rates. A popular car like the Nissan Sentra will be relatively affordable to insure because of its base price and cheaper replacement parts. However, bigger luxury cars like the Lexus GS will be more expensive to insure because of the higher initial MSRP and cost of repairs.
Jerry will work with drivers in Georgia to get the best deals on car insurance—regardless of demographics. Here are some of the best savings for our customers:
Insurance Company
Average Cost
Annual Savings with Jerry
State Auto$5,751$4,587Compare Prices
Allstate$3,316$1,236Compare Prices
Safeco$3,849$1,235Compare Prices
National General$3,616$1,195Compare Prices
Nationwide$3,264$1,093Compare Prices
Travelers$3,515$956Compare Prices
Kemper$3,720$864Compare Prices
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What car insurance do you need in Georgia?

Georgia drivers are required to cover minimum liability insurance to prove financial responsibility. This coverage includes the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$25,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
You could face penalties if you are caught driving without insurance, including:
  • $25 in lapse fees and $60 reinstatement fee
  • Driver’s license and vehicle suspension of 60 days
  • Up to 1 year in jail
Keep in mind liability coverage protects other drivers if you’re at fault in an accident, it doesn’t protect you or your vehicle. If you can afford it, you will want to consider purchasing more than the required minimums. Georgia drivers may benefit by carrying the following insurance:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
Jerry can get you the most affordable rates for every type of insurance.
It takes 45 seconds to sign up, and Jerry uses your current insurance information to source quotes from the top name-brand insurance companies. Then Jerry will help you complete all of the switchover, so you don’t get stuck with the hard work. Jerry will even provide you with quotes each time your policy is up for renewal—so you know you’re always getting the best rates.
Now that you know what insurance you need, here’s what to consider about insurance in Georgia.

How is your cost of car insurance determined in Georgia?

Carriers in Georgia take a variety of factors into account when setting your prices, including your age, driving history, and specific zip code.
What young drivers in Georgia need to know
  • Insurance companies consider young drivers to be high-risk drivers because of their lack of experience and increased likelihood of accidents
  • Taking a defensive driving course can save young drivers money on their car insurance premiums
  • Drivers under 25 who maintain a B average or higher may be eligible for a good student discount
Despite the higher-than-average car insurance premiums, it’s possible to keep costs down by applying for discounts, shopping around, and maintaining a clean driving record.
Jerry helps young drivers in Georgia find the best car insurance premiums by comparing rates from top providers. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,053$990
21-24$2,902$1,013
25-34$2,842$993
35-44$2,589$920
45-54$2,536$900
55-64$2,547$875
65+$2,367$863
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Cost to insure your car in Georgia with a poor driving record

Your past driving history also will impact your car insurance premiums. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving offense, you will pay more for your Georgia car insurance rates.
You will be considered a high-risk driver if you’ve had previous driving infractions, and insurers will charge you more as a result.
Even still, drivers with previous offenses can save money by shopping with Jerry.
These are some of the best prices drivers with less-than-perfect driving histories have received after shopping with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,278$1,068
Leaving scene of an Accident/Hit and Run$7,358$2,738
Wrong Way/Wrong Lane$4,230$1,941
DUI$4,767$1,730
Driving on Sus. License$4,044$1,707
Speeding under 15$4,125$1,425
Failure to Obey Traffic Sign$4,008$1,384
Illegal Turn$3,918$1,337
Speeding over 15$4,192$1,319
Improper Passing$4,324$1,187
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Cost to insure your car in Georgia based on where you live

Georgia’s average car insurance prices are higher than the national average, but the amount you pay will depend, in part, on your zip code.
Residents of busy cities like Atlanta, Macon, and Decatur pay more for car insurance because of congested roadways, more accidents, and higher rates of car theft.
On the other hand, residents of cities like Savannah and Marietta pay less for car insurance because there is a lower rate of traffic incidents.
These are the most affordable rates we’ve found for Jerry customers who live in Georgia:
City
Average Cost
Annual Savings with Jerry
Atlanta$2,915$1,008
Augusta$2,629$946
Columbus$2,624$984
Decatur$3,046$995
Douglasville$2,665$971
Jonesboro$2,892$887
Kennesaw$3,642$1,165
Lawrenceville$2,844$877
Marietta$2,692$841
Savannah$2,567$975
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Cost to insure your car in Georgia based on the type of car you drive

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.
For example, the Honda Civic is a common car for Georgia drivers, and it is relatively affordable to insure because of the car’s affordable price. It’s also fairly easy to get parts for a Civic and to get it repaired if need be.
Conversely, Georgia drivers who drive a luxury vehicle—like a Lexus GX—will see insurance rates proportionate to the cost of the vehicle and higher cost of replacement parts.
These are typical insurance quotes for some of the most popular cars in Georgia with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Mitsubishi Outlander Sport SE$3,830$1,195
Ford Fusion SE$2,956$1,060
Toyota Camry LE$2,366$905
Honda Accord EX$2,400$900
Nissan Altima 2.5$2,930$882
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How to save money on car insurance 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

One of the best and easiest ways to save cash each month is to compare rates from different providers.
However, this can take a lot of time and energy—especially if you have to waste time filling out the same paperwork or sitting on hold with insurance companies. Fortunately, Jerry takes all the hard work out of insurance shopping!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. After a quick sign-up, Jerry will find you quotes from over 50 top insurance providers. If you find a policy you like, Jerry will take care of the rest—including filling out that pesky paperwork. Most Jerry users save $879 on car insurance.
That’s not all. When your policy is up for renewal, Jerry will send you new quotes—so you always know you’re getting the best rates.

Look for discounts

Applying for discounts is one of the best ways to save on your car insurance policy. Most providers offer discounts—even if they aren’t readily advertised.
Here are some popular discounts in Georgia:
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Insurers often provide discounts for homeowners, married couples, or people in the military—so it’s smart to see if any extra savings are available.

Increase your deductible

Drivers can save more money each month by raising their overall deductible. The deductible is the price you pay out of pocket each time you make a claim.
While it may save you money every month, you could be on the hook for more if you need to make a claim. Make sure you can cover the cost of the full deductible every time you need to make a claim.

Registering your car in Georgia

If you want to register a car in Georgia, you need to have the following paperwork:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • A completed MV-1 Title and Tag Application
  • Proof a passing emissions test
  • Proof of insurance
  • Payment for taxes
  • Pay registration fees
It’s smart to make an appointment in advance as wait times at the DMV can be quite lengthy. You may have to fill out more paperwork, including personal and vehicle information.
Georgia drivers must renew their vehicle registration every year.

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