The average driver in Georgia pays about $1,746 a year for full coverage — about 21% more than the US average of $1,438. That ranks Georgia #5 of 51 states (one of the most expensive). The car you drive then shifts it: a cheap-to-insure model can land near $838, a high-loss one well over $12,858.
Georgia insurance cost by coverage
Average Georgia premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Georgia
Georgia legally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. These are legal minimums — most drivers carry more to fully protect themselves. Buying used here? Check the car first — look it up by its Georgia license plate.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Georgia
Estimated annual premium in Georgia, cheapest first — state average × each car's real HLDI loss index. See the full cheapest cars to insure nationally.
Know what a car really costs to insure and own.
- Your personalized rate by coverage, age and deductible
- Insurance folded into the 5-year cost to own
- Full breakdown: what each coverage actually costs
- Compare insurance across cars, side by side
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Most expensive cars to insure in Georgia
The priciest cars to insure in Georgia — powerful, theft-prone and costly to repair. See the most expensive cars to insure nationally.
Georgia insurance cost by year
Georgia premiums are up about +22% since 2019. Average Georgia premium by year:
| Year | Georgia avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Georgia's largest cities
Rates vary within Georgia by city and ZIP — dense metros like Atlanta run above the state average, while smaller towns run below. Estimated typical premium in Georgia's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Atlanta | $1,921/yr | +10% urban |
| Augusta | $1,868/yr | +7% urban |
| Columbus | $1,833/yr | +5% urban |
| Savannah | $1,816/yr | +4% urban |
| Athens | $1,781/yr | +2% urban |
| Macon | $1,763/yr | ≈ state avg |
| Sandy Springs | $1,746/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.
Georgia car insurance — frequently asked
How much is car insurance in Georgia?
The average is about $1,746/yr ($146/mo) for full coverage — 21% above the US average. Your exact rate depends on your car, age and record.
What is the minimum car insurance required in Georgia?
Georgia requires at least 25/50/25 liability — $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage.
Is car insurance expensive in Georgia?
Georgia ranks #5 of 51 states (one of the most expensive). At $1,746/yr it is above the national average of $1,438.
What is the cheapest car to insure in Georgia?
On our data, low-loss models like the Chevrolet Express are cheapest to insure in Georgia — around $838/yr.
How much is car insurance per month in Georgia?
About $146/month for a typical car with full coverage — less for cheap-to-insure models, more for high-performance ones.