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Average Cost of Car Insurance in Georgia for 2026

Car insurance in Georgia tends to be more expensive than the national average.

By Kat Tretina , Edited by Kristen Cervellini

Updated June 9, 2026

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Georgia has a very low cost of living and ranks among the most affordable states in the country. Only four states have a lower cost of living, including Alabama, Kansas, Oklahoma, and Mississippi. However, that lower cost of living doesn't mean you'll pay less for car insurance. In fact, the average cost of car insurance in Georgia is $261 per month for full coverage, compared to the national average of $187.

Keep reading to learn about the factors affecting Georgia's car insurance rates and how you can save money.

Key takeaways

The average cost of car insurance in Georgia is $261 per month for full coverage policies.
State-minimum coverage costs an average of $157 per month.
Teen drivers cost $453 per month on average.

How much does car insurance cost in Georgia?

Full coverage policies that include collision, comprehensive, and liability insurance cost an average of $261 per month in Georgia. State-minimum policies cost an average of $157 per month.

Why is car insurance in the Peach State expensive? For one, Georgia has grown rapidly; it's one of the fastest-growing states in the country. With more people in the state, there are more drivers on the road and a higher incidence rate of accidents.

Georgia also has a high percentage of uninsured drivers. Around 18% of drivers in the state are uninsured as of 2026.

Avg. monthly cost for full coverage	Avg. monthly cost for minimum coverage
$261	$157

Avg. monthly full coverage premium for teen drivers	Avg. monthly full coverage premium for seniors (60s)	Avg. monthly full coverage premium for high-risk drivers
$453	$234	$319

Average cost of car insurance in Georgia by provider

Rates can be very different between car insurance providers. In Georgia, several companies sell auto coverage, including well-known companies like Allstate, State Farm, and Nationwide. However, there are also several smaller carriers, like Auto-Owners, Root, and Mercury, that could potentially offer lower rates than larger companies. It is important to gather several quotes to be sure you are receiving the best rate and policy for your unique circumstance.

Provider	Avg. full coverage	Avg. minimum liability coverage
Allstate	$155/month	$85/month
GEICO	$279/month	$148/month
Progressive	$226/month	$114/month
State Farm	$142/month	$78/month
Nationwide	$343/month	$189/month
USAA	$166/month	$91/month

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How does credit score affect car insurance rates in Georgia?

As is common in other states, Georgia's laws allow car insurance companies to use information about customers' credit histories to set premiums. Generally, those with excellent credit pay significantly less for policies than those with poor or average credit.

Credit health	Avg. full coverage premium
Poor (550-649)	$326/month
Average (650-699)	$269/month
Good (700-749)	$254/month
Excellent (750+)	$230/month

Average car insurance rates for high-risk drivers in Georgia

High-risk drivers are those that are more likely to cause accidents or submit claims. In Georgia, high-risk drivers with a driving under the influence (DUI) conviction can pay as much as $318 per month for full coverage car insurance.

Violation	Avg. full coverage premium
At-fault accident	$360/month
DUI	$318/month
Speeding ticket	$328/month

How does age affect car insurance rates in Georgia?

Teens and young adults are statistically more likely to be in serious accidents than other age groups. As a result, they pay significantly more for car insurance.

The average premium for teenage drivers is $453 per month for full coverage, while the rates for older age groups tend to decrease considerably.

Age	Avg. full coverage premium
Teens	$453/month
20s	$336/month
30s	$276/month
40s	$258/month
60s	$234/month

Georgia car insurance rates by city

Where you live substantially impacts how much you pay for car insurance. Cities with higher crime ratings typically have the highest premiums.

The city with the highest average full coverage premiums was Atlanta, with a crime rating index of three from NeighborhoodScout. That rating means that 97% of cities in the U.S. are safer, so the higher cost is understandable.

City	Avg. full coverage premium
Atlanta	$347/month
Alpharetta	$254/month
Savannah	$287/month
Macon	$293/month
Augusta	$242/month
Athens	$226/month

GA's minimum car insurance requirements

Georgia, like the majority of states, requires drivers to have car insurance. The state minimum requirements are as follows:

$25,000 in bodily injury protection for one person
$50,000 in bodily injury protection for two or more people
$25,000 in property damage protection

How to save money on car insurance in Georgia

To save money on your auto policy in Georgia, follow these tips:

Adjust your coverage: You may have more coverage than you need. If you have an older vehicle that is paid off, you may be able to drop your coverage limits or increase your deductible to lower your premiums.
Ask about discounts: Many insurance companies offer discounts for safe drivers, good students, or those who take extra steps to protect their vehicles by installing anti-theft devices. Contact your agent to find out if you qualify for any discount programs.
Sign up for pay-per-mile coverage: With pay-per-mile or usage-based insurance, your premiums are based on your location, mileage, and driving habits. Safe drivers or those who drive fewer-than-average miles may be able to save by switching to pay-per-mile coverage. In Georgia, pay-per-mile policies are available from several insurers, including Mile Auto, Nationwide, and Esurance.
Compare quotes: It's smart to shop around and request quotes from the best car insurance companies each year. You may find another insurer offers lower rates for the same coverage, so you could save hundreds by switching companies.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different. Learn more about how FinanceBuzz evaluates car insurance carriers based on factors like pricing, customer experience, financial stability, and overall value.

FAQs

Why should I consider additional car insurance coverage in Georgia?

While Georgia requires drivers to carry minimum liability insurance, many motorists choose additional coverage for greater financial protection. One important reason is that Georgia has a relatively high percentage of uninsured drivers. As of 2026, approximately 18% of drivers in Georgia are uninsured, meaning nearly 1 in 5 drivers on the road may not have insurance coverage.

Is car insurance expensive in GA?

Car insurance is more expensive in Georgia than it is in some other states. The average cost of car insurance in Georgia is $261 per month for full coverage policies, compared to the national average of $187.