Georgia Car Insurance Quotes & Average Rates

Full coverage car insurance in Georgia is estimated at $2,438 a year, or $203 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $841 a year. Georgia is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 76 Georgia cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Georgia

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$203/ month

$2,438 per year · carriers in Georgia typically quote $1,731 – $3,364

See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Georgia

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,853	$154	-24%	Military members and families only
Geico	$1,999	$167	-18%	Usually cheapest for clean records
State Farm	$2,145	$179	-12%	Strong for young and student drivers
Progressive	$2,316	$193	-5%	Competitive after a ticket or accident
Travelers	$2,365	$197	-3%	Good multi-policy discounts
Nationwide	$2,438	$203	0%	Mid-market, wide availability
Allstate	$2,779	$232	+14%	Higher base rate, heavy discount stacking
Farmers	$2,950	$246	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Georgia. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Georgia car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$6,584	$2,272	$549
18 years old	$5,554	$1,917	$463
20 years old	$4,599	$1,587	$383
22 years old	$3,820	$1,318	$318
25 years old	$2,915	$1,006	$243
30 years old	$2,513	$867	$209
40 years old	$2,362	$815	$197
50 years old	$2,262	$781	$188
60 years old	$2,237	$772	$186
65 years old	$2,337	$807	$195
70 years old	$2,563	$885	$214
75 years old	$2,991	$1,032	$249

Estimated premiums by age in Georgia, clean record, sedan.

How violations change your Georgia premium

Driving record	Est. annual	Increase
Clean record	$2,438	—
1 speeding ticket	$2,998	+23%
1 at-fault accident	$3,583	+47%
DUI / DWI	$4,607	+89%

What a violation costs a 35-year-old in Georgia. Surcharges normally stay on the policy for three to five years.

A DUI in Georgia usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Georgia minimum insurance requirements

Required coverage in Georgia	Minimum limit
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability	$25,000
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Georgia Department of Insurance before you buy.

Coverage levels in Georgia

Coverage level	Est. annual	Est. monthly
State minimum liability	$841	$70
Full coverage (100/300/100 + comp & collision)	$2,438	$203
Full coverage, high limits + low deductible	$2,901	$242

Coverage level comparison for Georgia.

Car insurance rates in Georgia cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 76 Georgia cities we price.

Atlanta$2,869 Columbus$2,671 Savannah$2,474 Athens$2,474 South Fulton$2,474 Sandy Springs$2,474 Roswell$2,474 Macon$2,474 Johns Creek$2,474 Albany$2,474 Warner Robins$2,474 Alpharetta$2,474 Marietta$2,325 Smyrna$2,325 Valdosta$2,325 Brookhaven$2,325 Stonecrest$2,325 Dunwoody$2,325 Augusta$2,325 Peachtree Corners$2,325 Gainesville$2,325 Milton$2,325 Newnan$2,325 Mableton$2,325 Rome$2,325 Martinez$2,325 East Point$2,325 Peachtree City$2,325 Dalton$2,325 Kennesaw$2,325 Hinesville$2,325 Redan$2,325 Douglasville$2,325 Statesboro$2,325 Lawrenceville$2,325 Woodstock$2,201 LaGrange$2,201 Duluth$2,201 Evans$2,201 Chamblee$2,201 Stockbridge$2,201 Tucker$2,201 Carrollton$2,201 Canton$2,201 McDonough$2,201 Griffin$2,201 Pooler$2,201 Candler-McAfee$2,201 Acworth$2,201 Decatur$2,201 Sugar Hill$2,201 Union City$2,201 Cartersville$2,201 Snellville$2,201 Forest Park$2,201 North Druid Hills$2,201 Milledgeville$2,201 Thomasville$2,201 Suwanee$2,201 St. Marys$2,201 Fayetteville$2,201 Tifton$2,201 North Decatur$2,201 Norcross$2,201 Kingsland$2,201 Calhoun$2,201 Dublin$2,201 Brunswick$2,201 Americus$2,201 Riverdale$2,201 Conyers$2,201 Lithia Springs$2,201 Perry$2,201 Winder$2,201 Belvedere Park$2,201 Wilmington Island$2,201

Frequently asked questions

▸How much is car insurance in Georgia?

Full coverage in Georgia is estimated at $2,438 a year, or $203 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $841 a year.

▸What car insurance is required in Georgia?

Georgia requires $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage.

▸Is Georgia a no-fault state?

No. Georgia is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which Georgia city has the cheapest car insurance?

Of the 76 Georgia cities we price, Wilmington Island carries the lowest estimate at $2,201 a year, while Atlanta is highest at $2,869. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Georgia?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.