Georgia Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Georgia car insurance averages about $208 a month ($2,494 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 11% below the national average in our data. It’s higher than in Alabama, North Carolina, South Carolina and Tennessee but lower than in Florida. Progressive has the lowest full-coverage average among the four major insurers we compared (Allstate, Auto-Owners, GEICO and Progressive), at about $168 a month.

Georgia car insurance: key numbers

• Full coverage: about $208 a month ($2,494 a year)
• Liability only (25/50/25): about $84 a month
• Lowest-priced insurer: Progressive has the lowest full-coverage average among the four major insurers we compared, at about $168 a month
• Recent price change: +4.4% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Clayton County (about $279 a month) and Lowndes County (about $152)

Where you live matters. Metro Atlanta costs the most in our data: Clayton County averages about $279 a month and DeKalb County $264. South Georgia costs the least, led by Lowndes County, home to Valdosta, at $152. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 400 Georgia ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

Average Cost of Car Insurance in Georgia

Full coverage in Georgia averages $2,494 a year, or about $208 a month, for our benchmark driver. Liability-only coverage at Georgia’s 25/50/25 minimum averages $1,012 a year ($84 a month), and 50/100/50 liability with comprehensive and collision averages $2,475 ($206 a month).

• Full coverage (100/300/100, $500 deductibles): $2,494 a year ($208 a month)
• 50/100/50 with $500 deductibles: $2,475 a year ($206 a month)
• Liability only (25/50/25): $1,012 a year ($84 a month)
• Atlanta: $3,021 a year ($252 a month) for full coverage
• Savannah: $2,484 a year ($207 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Georgia Compares With Neighboring States

Georgia’s average is about $37 a month above Alabama’s, $123 below Florida’s, $54 above North Carolina’s, $19 above South Carolina’s and $21 above Tennessee’s. It’s the 21st-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Georgia: Companies Compared

• Lowest average among these four insurers, full coverage: Progressive, at about $168 a month ($2,014 a year).
• Next lowest any driver can buy: GEICO, at about $179 a month, then Auto-Owners at $212.
• Military families: USAA averages about $170 a month statewide, but only for eligible members.
• Lowest liability-only average among these four insurers (25/50/25): GEICO, at about $65 a month, then Progressive at $68. USAA, which sells only to military families, is lower still, at about $56 a month.
• State Farm (Nov. 2025 rates)*: about $315 a month for full coverage, from its November 2025 rates.
• Also on our list: Georgia Farm Bureau at about $98 a month, Country Financial at $229, Central Insurance at $242 and Mercury at $315.
• Most expensive among these four insurers: Allstate, at about $310 a month for full coverage, $1,710 a year more than Progressive.

Progressive has the lowest full-coverage average among the five insurers in our Georgia rate data. The published 2026 statewide Georgia rate studies we reviewed most often rank Progressive or Georgia Farm Bureau cheapest for full coverage, apart from USAA; one puts GEICO first. For liability-only coverage at 25/50/25 limits, GEICO has the lowest average among these four insurers, at about $65 a month, with Progressive close behind at $68. USAA comes in even lower, at about $56 a month, but it sells only to military families.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in Georgia

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How Georgia’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Georgia?

Yes, for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Georgia ZIP codes, their full-coverage average rose from $2,377 a year nine months earlier to $2,482 in rates as of Aug. 31, 2026, a 4.4% increase. USAA cut its Georgia average 0.8%, while Progressive raised its average 19.3% and Allstate 3.0%; GEICO’s average was unchanged. Auto-Owners is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Georgia average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits rose 0.5%, led by Progressive, which raised its liability-only average 9.6%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Georgia Car Insurance Costs

Georgia’s full-coverage average is the 21st-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Metro Atlanta. Clayton, DeKalb, Rockdale, Henry and Fulton counties are the five most expensive in our data. Atlanta averages $252 a month, while Savannah averages $207 and Augusta $187.
• Uninsured motorist coverage by default. Georgia policies include uninsured motorist coverage unless you reject it in writing, so a standard policy carries more than the liability minimum.
• How rates are set. Under a 2023 state law, the insurance commissioner reviews auto rate filings before they take effect and must approve filings for minimum-limits policies. The commissioner’s office says most insurers look at your driving record, the type of car, how it’s used, where it’s kept and your age.

Georgia Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Stone Mountain is the most expensive, at $291 a month for full coverage, followed by Decatur at $278 and Conyers at $254. Valdosta is the least expensive, at about $151. Across all 268 cities and towns we price, averages run from about $300 in Lithonia to $151 in Valdosta.

The table lists all 268 Georgia cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Georgia City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Georgia Car Insurance Rates by County

Clayton County is the most expensive county in our data, at about $279 a month for full coverage, followed by DeKalb County ($264) and Rockdale County ($254). The least expensive are Lowndes County ($152), Brooks County ($157) and Lanier and Camden counties (both $160). We price 133 of Georgia’s 159 counties.

How Much More Does Better Coverage Cost in Georgia?

Raising liability limits from 50/100/50 to 100/300/100 barely changes the average statewide in our data: with the same $500 deductibles, full coverage averages $2,494 a year and 50/100/50 averages $2,475. Across the five insurers, the change runs from $210 less a year (GEICO) to $250 more (Progressive). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and GEICO charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Georgia Car Insurance Rules at a Glance

What Car Insurance Is Required in Georgia?

Georgia law requires liability insurance on every registered vehicle, and you must keep it in force with no gaps, according to the Georgia Department of Revenue. The minimum policy is:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $25,000 in property damage liability.

Uninsured motorist coverage, which pays when a driver without enough insurance injures you or damages your car, comes with your policy unless you reject it in writing. Collision and comprehensive coverage are optional under state law, though a lender may require them.

Georgia uses a fault-based system, so the driver who causes a crash pays for the damage through their liability coverage. Insurers report your coverage electronically to the state, and you must also carry your insurance card in the car.

Driving uninsured is a misdemeanor that can bring a fine of $200 to $1,000, up to 12 months in jail or both. A first conviction usually brings a 60-day license suspension, though a no-contest plea to a first offense within five years can avoid it. If your coverage lapses for 10 or more days, the state charges a $25 lapse fine and suspends your registration if you don’t pay within 30 days, and reinstating the registration costs another $60. A 2026 law raises the lapse fine to $50 and the reinstatement fee to $125 starting Jan. 1, 2027.

How to Lower Your Car Insurance Rate in Georgia

1. Quote several insurers. Among the four major insurers we compared in Georgia, the lowest and highest averages are about $142 a month apart for the same driver and car.
2. Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the four major insurers we compared in Georgia, about $168 and $179 a month.
3. Keep uninsured motorist coverage. It comes with Georgia policies unless you reject it in writing, and it pays when a driver without enough insurance injures you or damages your car.
4. Don’t let coverage lapse. Georgia counts 10 or more days without coverage as a lapse, charges a $25 fine, rising to $50 on Jan. 1, 2027, and suspends your registration if you don’t pay it within 30 days.
5. Know your renewal protection. The commissioner’s office says that if you’ve been with your insurer for at least three years, it can’t refuse to renew your policy because of just one claim.
6. Compare at every renewal. Over the past nine months, USAA has cut its statewide average 0.8%, while Progressive has raised its average 19.3% and Allstate 3.0%, so the order in our table can shift.
7. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
8. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Georgia home insurance rates and our home insurance guides for Atlanta, Augusta and Columbus, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare Georgia Car Insurance Quotes

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How We Calculated Georgia Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 2,000 full-coverage premiums from five insurers across 400 Georgia ZIP codes, plus the same number of 50/100/50 premiums and 1,600 liability-only premiums. Auto-Owners has no liability-only price in our rate data.
• Insurer count: our Georgia averages come from five insurers, one of them USAA, which sells only to military families. With few insurers, the averages can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Georgia’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Auto-Owners isn’t in the November 2025 rates and State Farm isn’t in the August 2026 rates, so they’re left out of rate-change comparisons; the other four insurers, including USAA, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Georgia rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Georgia law and the Office of the Commissioner of Insurance and Safety Fire. We refresh these figures when new rate data is released.

More Georgia Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Georgia Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure in all 159 counties, and a hybrid is the most expensive in 147 of them, costing about 17% more than an SUV on average.

Georgia Car Insurance FAQ