Georgia Car Insurance Calculator
Calculate your auto insurance cost in Georgia. Compare with state averages and find savings.
$1,987
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$166
Full Coverage
$2,567
Min Coverage
$678
Uninsured Rate
12.4%
Georgia Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Georgia
Atlanta trafficUrban densityWeather variability
Major Metro Areas in Georgia
AtlantaAugustaSavannahColumbusMacon
FAQ
Georgia Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Georgia
The average annual car insurance premium in Georgia is $1,987, or about $166 per month. Full coverage averages $2,567 annually, while minimum coverage averages $678. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Georgia requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage).
Key factors affecting Georgia car insurance rates include: Atlanta traffic, Urban density, Weather variability. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 12.4% of drivers in Georgia are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Georgia car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Georgia include: State Farm, GEICO, Progressive, Allstate, USAA. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
GA Insurance Costs
Average premiums in Georgia:
- Annual Average$1,987
- Monthly Average$166
- Full Coverage$2,567
- Minimum Coverage$678
GA Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate12.4%
Top GA Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •USAA