How Much Does Auto Insurance Cost in Georgia on Average?
- State minimum liability on average in Georgia costs $44 a month or $524 a year. Full coverage auto policies costs around $156 a month or $1,874 a year in GA.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Georgia – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in Georgia
- In Georgia on average the cheapest auto insurance providers are Progressive, Travelers and GEICO. State minimum liability car insurance starts at $120 a month or $1,440 a year. Full coverage car insurance costs around $337 a month or $3,451 a year with Progressive.
Here is a breakdown of average costs from the cheapest local insurance providers in Georgia from our data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Provider: | Minimum Liability Costs: | Avg. Yearly Costs: |
|---|---|---|
| Progressive | $120 | $1,440 |
| Traverlers Insurance | $158 | $1,896 |
| Geico: | $161 | $1,932 |
| Nationwide: | $162 | $1,944 |
| State Farm: | $180 | $2,160 |
State Minimum Liability Requirements for Georgia
Luckily, there are ways you can limit these costs. Rural areas generally present less risk, so people in these areas typically pay less for insurance. If you are a student, you can get better rates simply by keeping your grades up. You can also lower your rates by increasing your deductible.
How much insurance you choose to carry also affects your rates. Every driver in Georgia has to carry 25/50/25 liability insurance. This is just liability insurance, which means it applies to damage or injury to other people or their property.
This is how it breaks down:
- $25,000 maximum for injury to any one person involved in a single claim
- $50,000 maximum for injuries to everyone involved in a single claim
- $25,000 maximum for property damage from a single claim
While that’s the minimum insurance you have to carry, many drivers carry more. If you have a car loan, the bank may require that you carry collision or comprehensive insurance to protect its investment.
Average Cost for Car Insurance in Georgia by County
If you live in Georgia and are wondering how much your car insurance policy should cost you on average, you’re in the right place. We break down the average costs of auto insurance policy rates in GA:
| Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Appling | $1,058 | $948 | $1,026 | $1,027 | $1,117 |
| Atkinson | $983 | $884 | $952 | $1,022 | $1,034 |
| Bacon | $1,093 | $976 | $1,061 | $1,027 | $1,155 |
| Baker | $968 | $870 | $939 | $1,006 | $1,018 |
| Baldwin | $1,098 | $977 | $1,064 | $1,027 | $1,157 |
| Banks | $1,036 | $933 | $1,000 | $1,027 | $1,085 |
| Barrow | $1,020 | $917 | $987 | $1,064 | $1,068 |
| Bartow | $1,038 | $933 | $1,005 | $1,067 | $1,089 |
| Ben Hill | $1,038 | $898 | $998 | $1,027 | $1,099 |
| Berrien | $944 | $849 | $916 | $981 | $993 |
Georgia Auto Insurance Costs by City
If you want to get a more granular breakdown of the average costs for insurance based on your current city, we have guides for popular cities:
Finding Georgia Car Insurance Resources
If you live in Georgia, there are many places you can look for information about auto insurance. Consumer review sites are often great ways to gain insight into individual insurers. An ideal place to start is the Georgia Office of Insurance and Fire Safety Commissioner.
This office is in charge of all insurance in the state of Georgia, including car insurance. It offers tools you can use to compare your costs against other drivers, and answers to many questions you may have.
Things You Should Know About Georgia Auto Insurance
The Office of Insurance and Fire Safety Commissioner is not only there to oversee insurance in the state and enforce regulations, it is essentially there for your protection. This is the first place you should go if you have any questions about your insurance.
In Georgia, you do not normally buy insurance straight from the insurance company. You typically go through an agent. This means that the quote given to you may not match the premium you pay. That’s because the insurance company has the final say on what it charges you.
If you have physical damage coverage, you can file a claim on your own insurance even if someone else was at fault for the accident.
Buying insurance for your teenage child raises your Georgia car insurance rates, but you can reduce the extra cost if he or she passes a safety course, gets good grades, and does not drive a high-performance car.
Moving to Georgia: Important Information
Once you move to Georgia, you have 30 days to apply for a Georgia driver’s license. If you already have a driver’s license from another state, you can simply transfer it. You can get a new Georgia license even if your license is expired, so long as it expired in the last two years.
Georgia is a Secure ID state, so when you apply for a driver’s license, you need to have supporting documents to prove who you are and that you are a legal resident. You need to bring either the originals or certified copies of each document.
Understanding Driving Laws in Georgia
Georgia offers a graduated license program called TADRA for new drivers. This program has a three-step path to your full license, starting with your Learner’s Permit. You can then get a Class D intermediate license, which lets you drive between 6 a.m. and midnight. After you have had your Class D for a year without any driving convictions, you can apply for a full license.
As in all other states, drinking and driving is a serious offense. The BAC limit for adult drivers is 0.08 percent. Drivers under the age of 21 face a maximum BAC of 0.02 percent, or about one drink, and commercial drivers must stay below 0.04 percent. If you have a BAC over 0.15 percent, you face stiffer penalties. Also, if you refuse a BAC test in Georgia, you may have your license revoked automatically.
You can use a cell phone while driving, but you cannot text. Teen drivers cannot use a cell phone at all while driving.
Georgia requires all front seat passengers to wear a seatbelt in all cars manufactured after January 1, 1964. Children under 8 years old must be in an approved safety seat.
Frequently Asked Questions About Georgia Car Insurance
Can an insurance company drop you after an accident?
Under Georgia laws, as long as you have been with the company for three years, it cannot drop you for a single accident even if it was your fault.
What if the other driver in an accident doesn’t have insurance?
You have coverage only if you chose uninsured or underinsured motorist protection. This insurance provides additional coverage for you if the other driver has no insurance or doesn’t have enough insurance to cover your damages.
Can an insurance company charge more than its agent quoted?
The insurance company must list all its plans and rates with the Office of Insurance and Fire Safety Commissioner. If the agent’s quote does not match one of those filings, the insurance company cannot offer that rate.
