The Average Car Insurance in Georgia for 2025
Quick Answer
Car insurance in Georgia costs an average of $2,815 annually or $235 per month. However, a variety of factors, including your vehicle, annual mileage, driving record and more, can all affect how much you pay for car insurance.
The average cost of car insurance in Georgia is $2,815 or $235 per month, according to Experian data from January 2025 and based on policies sold through our automotive insurance marketplace.
Here are the average premium costs for full and minimum coverage car insurance in Georgia:
| Type of Coverage | Annual Cost | Monthly Cost |
|---|---|---|
| Full coverage | $3,245 | $270 |
| Minimum coverage | $2,054 | $171 |
Source: Experian data as of January 2025
You typically need full coverage car insurance if your car is financed or leased. Full coverage includes collision and comprehensive coverage, which protect your vehicle from damage. If your car isn't financed or leased, you could opt for minimum coverage insurance. In Georgia, drivers are required to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injuries and $25,000 per accident for property damage.
However, minimum coverage may not be enough to protect you financially in case of an accident. Most insurance experts recommend buying coverage of at least $100,000 per person and $300,000 per accident for bodily injuries and $100,000 for property damage, which will add to the cost of your Georgia car insurance.
Your actual auto insurance premiums may differ from our average amounts thanks to factors such as:
- Age (younger drivers usually pay more)
- Gender (women often pay less than men)
- Where you live (rates may be higher in areas with lots of accidents or vehicle theft)
- Your driving record (incidents and violations typically drive your premiums up)
- The vehicle you're insuring (new cars cost more to insure than used cars)
So although these average figures are good general guideposts, you may pay more or less for auto insurance in Georgia. Taking time to compare car insurance quotes from several insurers before purchasing a policy could help you save money.
How Are Car Insurance Costs Trending?
Car insurance costs are rising in Georgia due to higher-than-average rates of bodily injury claims, litigation and uninsured motorists, Insurance Research Council (IRC) data shows. More than 18% of Georgia drivers are uninsured, according to IRC data, putting Georgia in the top 10 states with the most uninsured motorists.
Nationwide, severe weather events are driving up the cost of car insurance. Extreme weather events such as hurricanes and tornadoes, which are common in Georgia, can lead to comprehensive auto insurance claims for damaged vehicles. The rising cost of vehicles, parts and repairs is another factor increasing car insurance costs across the U.S.
Average Annual Auto Insurance Premiums, 2023-2025
If you feel that you're paying too much for car insurance in Georgia, comparing car insurance quotes from several insurance companies could help you find the same coverage for less. You can use Experian's free car insurance comparison tool to quickly get quotes from multiple top Georgia insurance carriers at once.
Average Georgia Car Insurance Rates by City
Even within the state of Georgia, your location impacts the amount you'll pay for auto insurance. Different areas of Georgia have different risk levels. Crowded urban areas may have longer average commutes, higher rates of auto theft or heavier traffic, all of which may increase the probability of claims. Car repairs and medical care are more expensive in some cities than others, which can affect your car insurance costs.
As the chart below shows, the average cost of auto insurance in some of Georgia's most populous cities varies widely from one location to another.
| City | Annual Cost |
|---|---|
| Augusta | $2,360 |
| Columbus | $2,515 |
| Lawrenceville | $2,706 |
| Marietta | $2,770 |
| Atlanta | $3,112 |
Source: Experian data as of January 2025
Note: Top cities are ranked by those with highest policy count
Average Georgia Car Insurance Rates by Age & Gender
Your gender can also affect your car insurance premiums in Georgia. On average, women are statistically less likely to be involved in serious car accidents or DUIs, according to the Insurance Information Institute (III), so women sometimes pay less than men for car insurance.
However, that's not always true. For instance, women in Georgia pay an average of $2,927 annually or $244 per month for auto insurance, compared to an average of $2,623 annually or $219 per month for men.
| Gender | Annual Cost | Monthly Cost |
|---|---|---|
| Male | $2,623 | $219 |
| Female | $2,927 | $244 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies
The difference in car insurance costs for men and women is more evident when considering nationwide averages, particularly when age is factored in. Younger drivers, especially men, generally pay higher premiums than older drivers because they are statistically more likely to be involved in accidents.
Nationwide, male drivers under 20 pay an average of $3,717 annually for car insurance, compared to $3,307 for female drivers under 20. Average car insurance premiums for both men and women drop significantly after age 20, as the chart below shows. Usually, auto insurance premiums decline steadily until you reach your mid-70s, at which point they tick upwards again.
| Age | Female | Male |
|---|---|---|
| Under 20 | $3,307 | $3,717 |
| 20-29 | $2,642 | $2,683 |
| 30-39 | $2,436 | $2,252 |
| 40-49 | $2,327 | $2,141 |
| 50-59 | $1,983 | $1,942 |
| 60-69 | $1,660 | $1,669 |
| 70-79 | $1,628 | $1,758 |
| 80 or above | $1,701 | $1,894 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies
How Your Driving Record Impacts Your Insurance Costs in Georgia
Driving safely can lower your chances of being involved in accidents or receiving traffic citations. A clean driving record can help reduce your car insurance premiums. Georgia drivers with a clean driving record that shows no incidents or violations pay an average of $2,697 annually for car insurance. However, a single moving violation can push your premiums to an average of $3,162 per year. A greater number of violations or more serious incidents, such as getting a DUI, could drive your premiums even higher.
If your driving history shows a record of moving violations or accidents, insurance carriers may consider you a high-risk driver and increase your auto insurance rates to compensate for their higher risk. The chart below indicates how the number and severity of infractions in Georgia may impact your car insurance premiums. Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.
| Driving Record | Annual Cost |
|---|---|
| Clean | $2,697 |
| 1 Incident | $3,021 |
| 1 Violation | $3,162 |
| 2 Incidents | $3,087 |
| 2 Violations | $3,285 |
| 3+ Incidents | $3,464 |
| 3+ Violations | $3,825 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies
Cheapest Car Insurance in Georgia
Your location, age, vehicle and driving record are all factors in how much you'll pay for car insurance. However, these aren't the only elements that affect your premiums. Because each insurance company uses its own formula when determining rates, the price you're quoted can vary widely from one insurance provider to another.
Shopping around to compare quotes from several insurance companies can help you find the lowest price for your car insurance. The chart below shows the cheapest full coverage auto insurance among the insurance companies that sell the most policies in Georgia.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Root | $2,837 | $236 |
| GEICO | $3,129 | $261 |
| Liberty Mutual | $3,443 | $287 |
| Progressive | $3,487 | $291 |
| Safeco | $3,538 | $295 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
The exact systems each insurance carrier uses to set premiums are not public knowledge. That said, factors such as the carrier's estimated claims payouts, projected operating costs, risk tolerance and profitability goals typically figure into the formula. For instance, a company with lower overhead expenses may charge less than one with higher overhead.
How to Save on Car Insurance in Georgia
Given the high average price of car insurance in Georgia, it's wise to use every option at your disposal to try to lower your premiums. Fortunately, there are several steps you can take to save on car insurance.
Increase Your Deductible
When you file a car insurance claim, you'll generally pay a deductible before the insurance company's coverage kicks in. Most insurance companies let you select a deductible ranging from $250 to $2,000.
Increasing your deductible typically decreases your insurance premiums, but before taking this step, you'll want to be sure you can afford to pay the higher deductible if you file a claim. Assess the state of your emergency fund and your other financial resources. Check with your insurance provider to find out how adjusting your deductible would impact your premiums.
Look for Discounts
Most car insurance carriers offer a bevy of discounts to help you save. Check to see if your current provider has any discounts you aren't aware of. Then visit other insurance company websites to see what discounts they offer. For example, you might be able to save money by bundling home and auto insurance, paying your premium upfront, setting up automatic payments or opting out of paper communications. You might also earn discounts for getting insurance quotes online or signing documents online.
If you have a high school or college student on your car insurance policy, maintaining good grades or living away at school without a vehicle could qualify them for a discount. Also check to see if your employer or a membership organization you're part of offers discounts on car insurance as a benefit.
Cancel Unnecessary Coverage
If it's been a while since you purchased car insurance, you may be paying for "extras" you don't really need. Add-on insurance such as roadside assistance, windshield replacement or rental car reimbursement coverage can be nice to have, but not necessary. Canceling these extras could help reduce the cost of car insurance. For instance, if you already have a roadside assistance program through an automobile club, you don't need to purchase the same coverage from your car insurance company.
If you've paid off your car and it's not worth much, you might also consider canceling collision and comprehensive coverage. The payout for this coverage is limited to your vehicle's value, so the premiums may not be worth paying if your car is only worth a few thousand dollars and you could afford to replace or repair it out of pocket if necessary.
Drive Fewer Miles
Your risk of being involved in an accident increases as you drive more miles. If you drive fewer than 12,000 miles per year, many car insurance companies will reduce your rates. Consider whether you could lower your mileage by biking, walking, carpooling or switching to remote work if your employer allows.
To qualify for low-mileage car insurance discounts, you'll need to let the insurance company track your mileage. This is usually done through self-reported or third-party odometer readings or devices installed in your vehicle. Another option is pay-per-mile car insurance, which charges a monthly base rate plus a per-mile fee for each additional mile you drive. Some insurance companies offer usage-based auto insurance plans. These go a step further by using an app to monitor both your mileage and your driving habits, such as speeding or braking suddenly.
Practice Safe Driving Habits
Because even a single moving violation can increase your car insurance costs in Georgia, keeping your driving record clean can help to minimize your insurance premiums. Consider taking a safe driving or defensive driving class to improve your skills. Completing a driver safety course can not only provide useful tips, but could also earn you a discount on car insurance.
Improve Your Credit
Georgia allows insurance companies to consider your credit-based insurance score when determining your auto insurance premiums. Having a poor score could mean paying more for car insurance. Taking steps to improve your consumer credit score could positively impact your credit-based insurance score, which could help lower the cost of car insurance in Georgia.
Compare Prices
The cost of car insurance in Georgia varies widely from one insurance carrier to another. Comparing quotes from several different insurance carriers could help you find a better price for auto insurance. Set a reminder on your calendar to shop around for car insurance at least once a year (or shortly before your policy renews).
You can obtain auto insurance quotes by visiting insurance company websites or by contacting insurance carriers directly. For a faster way to investigate your options, try using Experian's free car insurance comparison tool. It gathers car insurance quotes from multiple top insurance companies in Georgia, making it easy to compare policies and see which company offers the lowest premiums.
Methodology
This analysis is based on a review of auto insurance policies and quotes provided through Experian's insurance marketplace. Policy premium and quote averages are based on driver data across all genders and ages unless otherwise noted.
Experian's insurance marketplace matches users with auto insurance coverage from more than 30 carriers across 50 states and Washington, D.C.
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About the author
Karen Axelton
Karen Axelton specializes in writing about business and entrepreneurship. She has created content for companies including American Express, Bank of America, MetLife, Amazon, Cox Media, Intel, Intuit, Microsoft and Xerox.
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