Georgia Car Insurance Quote Comparison:
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georgia $116.25/mo.
National $89.17/mo.

Average Premiums

Car insurance is one of the most important coverages to have as a driver in Georgia. But when there are so many different car insurance companies to compare, how do you know which one to choose? Who provides the best coverage with the cheapest rates? And why do premiums differ so much from one insurer to the next?

We can help you through this stressful process by doing all the hard work for you. Comparing multiple car insurance quotes from many popular Georgia insurance companies has never been so easy. In just minutes through our comparison tool, you’ll find the coverage that’s right for you, with affordable rates you can’t turn down.

Factors That Affect Car Insurance Rates in Georgia

  • Age
  • Gender
  • Your marital status
  • Driving record
  • Your credit score
  • How long you’ve had your license
  • What kind of car you drive
  • How many cars you have on your policy
  • The age of your vehicle(s)
  • The physical address where you park your car

All of these factors contribute to determining your premium. Since they differ person-to-person and companies hold different values for different factors, premiums vary.

How Much is Car Insurance in Georgia?

The average cost of auto insurance in Georgia is $1,321 (updated March 2019). This is slightly down from 2018 at $1,395. These are state minimum averages so if you are considering a full coverage policy, you should expect to pay an average of $2,542.

Georgia Car Insurance Cost for Good Drivers

To help display rates for safe drivers in Georgia, we used the below profile.

Safe Driver Profile:

  • 44-year-old female
  • Drives a 2010 Chevrolet Malibu LS
  • Drives for pleasure
  • Owns a Home and has a master’s degree
  • Low-risk driver with a clean record
Car Insurance for Safe Drivers
Car Insurance Company Monthly Premium
Carrier 1 $95
Carrier 2 $143
Carrier 3 $145
Carrier 4 $151
Carrier 5 $183
Carrier 6 $246

Company names are not disclosed due to frequent algorithm updates that may fluctuate the final rate from day to day.

Georgia Car Insurance Cost for High-Risk Drivers With Speeding Tickets

Below we have provided a driver profile to represent a high-risk driver who has violations on their driving record.

High-risk Driver Profile:

  • 21-year-old male
  • Finances a 2013 Honda Civic SI
  • Commutes to work
  • Rents an apartment and graduated high school
  • 2 speeding tickets on his record
Car Insurance for High-Risk Drivers
Car Insurance Company Monthly Premium
Carrier 1 No Quote
Carrier 2 $521
Carrier 3 $600
Carrier 4 No Quote
Carrier 5 $660
Carrier 6 $1,121

Company names are not disclosed due to frequent algorithm updates that may fluctuate the final rate from day to day.

Georgia Car Insurance for Married Couples

Being married has its perks. You receive deductions on your taxes and you have someone to share your time with, but does being married mean you will have lower car insurance rates? Find out below how being married affects your car insurance.

Married Driver Profile:

  • 41-year-old couple
  • Owns a 2012 Grand Caravan SE & finances a 2011 Mazda 6S
  • Commutes to work
  • Owns a condo and both have bachelor’s degrees
  • Minor violations on driving record
Car Insurance for Married, Multi-Car Drivers
Car Insurance Company Monthly Premium
Carrier 1 $248
Carrier 2 $309
Carrier 3 $338
Carrier 4 $411
Carrier 5 $417
Carrier 6 $605

Company names are not disclosed due to frequent algorithm updates that may fluctuate the final rate from day to day.

How Much is Car Insurance for Young Georgia Drivers?

Young, inexperienced drivers see the highest car insurance rates! See how rates decrease from ages 18 -25 below. As a young driver, it’s vital to compare rates from as many companies as possible to find the most affordable rates.

Average Car Insurance in Georgia for Young Drivers
Age State Minimum Full Coverage
18 $2,945 $6,206
19 $2,735 $5,954
20 $2,232 $5,442
21 $2,046 $4,592
22 $1,859 $3,969
23 $1,706 $3,628
24 $1,609 $3,403
25 $1,525 $3,112

Which Georgia Cities Have the Most Expensive Car Insurance?

People who live in large cities typically pay more for insurance than those in small towns and rural areas. We analyzed thousands of Georgia insurance quotes and found the most (and least) expensive cities to insure your car.

Georgia Car Insurance Premiums by City
City State Minimum Rates Full Coverage Rates
Decatur $1,805 $3,581
Lithonia $1,734 $3,541
Atlanta $1,691 $3,552
Buford $1,568 $2,698
Savannah $1,558 $2,723
Suwanee $1,549 $2,589
Marietta $1,532 $3,062
Duluth $1,520 $3,000
Riverdale $1,511 $3,350
Lilburn $1,482 $2,833
Kennesaw $1,466 $2,654
Lawrenceville $1,462 $2,923
Smyrna $1,443 $2,881
Roswell $1,421 $2,490
Alpharetta $1,387 $2,531
Warner Robins $1,378 $2,417
Carrollton $1,376 $2,506
Covington $1,373 $2,772
Macon $1,362 $2,668
Peachtree Corners $1,352 $3,100
Fayetteville $1,351 $2,336
Canton $1,336 $2,655
Newnan $1,328 $2,410
Cartersville $1,304 $2,537
Peachtree City $1,284 $2,207
Augusta $1,217 $2,260
Columbus $1,204 $2,369
Gainesville $1,196 $2,562
Albany $1,182 $2,208
Athens $1,102 $2,208
Valdosta $938 $1,945

Get a Free Georgia Auto Insurance Quote Today

You can save a significant amount of money by finding the right auto insurance company. It pays to run a comparison to ensure you’re finding the best cheap car insurance policy. We can help you compare lots of options at once. Get started below.

After answering a few questions, we’ll display multiple rates from local companies to help you find an affordable policy that’s right for you.

Georgia Drivers: Compare Car Insurance Rates & Save

Georgia Car Insurance Laws and Minimum Requirements

In Georgia, the law requires that each vehicle must be insured with the following minimum liability coverage:

  • $25,000 minimum coverage for the injury or death of one person, such as yourself, a passenger or a pedestrian
  • $25,000 minimum coverage for property damage
  • $50,000 minimum coverage for the injury or death of multiple people in one accident

You may want to purchase the state minimum coverage. Or, you may reconsider and opt for a higher amount, because if you’re ever at fault for an accident and the damage exceeds your policy limits, then you’ll be personally responsible for covering the remainder. And that can be a pretty hefty sum of money.

Plus, it doesn’t usually increase your premium substantially to carry double the minimum coverage requirements. If you’re paying in monthly installments, you’ll hardly even notice the difference. If you ever find yourself in a situation that requires you to use the coverage, you’ll be glad you spent the extra money.

Uninsured Motorist Coverage

Like most other states, Georgia doesn’t require you to carry uninsured motorist coverage. This is an optional form of coverage that protects you if you’re in an accident where the driver at fault cannot pay for damages being that they are under insured or not insured at all.

Georgia is an “At-Fault” Car Insurance State

Most people aren’t aware that there are two systems to work out liability after a car accident: fault and no-fault. Some states have adopted the system of “no-fault” while others, like Georgia, have adopted the “fault” system.

Here’s what that means for you: If you’re involved in a car accident that is not your fault, the other party who is at fault is liable for any personal injuries or property damage from the accident. And that person’s car insurance policy is first in order to cover the financial obligations of the liability.

Once their policy is exhausted, your policy may be used to cover whatever expenses might be left.

Being an “At-Fault” State Provides More Options for Personal Injury Claims

In Georgia, if you are at fault in a car accident involving personal injuries, the person injured has three different options for seeking compensation. He or she can:

  1. File a third-party claim directly with your insurance company.
  2. File a claim with the person’s own insurance company, and that firm will then contact your insurer to seek compensation.
  3. Pursue a personal-injury lawsuit in civil court. This is usually the last resort, and generally only when a settlement cannot be reached.

This contrasts with the processes in a no-fault state, like New Jersey, where the injured person must exhaust his own policy limits before pursuing a claim with the other party’s insurer.

Providing Proof of Insurance in Georgia

Proof of insurance is electronic through the GEICS system in Georgia. If law enforcement pulls you over, the officer cannot accept your insurance card as proof of insurance.

Instead, the officer will run a check in the GEICS database to see your insurance status. This check is also run when you register or renew your auto registration. If you do not have insurance, you cannot register your car in Georgia.

This doesn’t mean you don’t have to carry your insurance cards with you or keep them in your vehicle. They’ll be necessary if you ever get in an accident, so you can exchange information with the other driver(s).

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