How Much Does Auto Insurance Cost in Georgia?

Compare the best car insurance rates today.

Your Georgia car insurance rates depend on several things, like the kind of car you drive, how much you drive it, and how good your driving record is.

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:

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.

Georgia car insurance costs

Average Cost for Car Insurance in Georgia

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
Bibb$1,032$926$998$1,047$1,083
Bleckley$1,005$903$974$1,027$1,058
Brantley$919$828$890$957$964
Brooks$947$853$918$987$995
Bryan$944$849$916$983$991
Bulloch$1,028$923$997$1,027$1,083
Burke$987$886$957$1,026$1,039
Butts$1,107$977$1,069$1,027$1,160
Calhoun$968$870$939$1,006$1,018
Camden$838$759$812$876$876
Candler$1,063$954$1,028$1,027$1,120
Carroll$1,008$905$978$1,049$1,060
Catoosa$1,057$947$1,025$1,091$1,111
Charlton$983$884$952$1,023$1,034
Chatham$993$897$959$1,045$1,036
Chattahoochee$986$888$955$1,034$1,033
Chattooga$1,028$919$999$1,064$1,085
Cherokee$1,026$923$992$1,067$1,073
Clarke$968$874$936$1,018$1,013
Clay$1,047$937$1,017$1,027$1,107
Clayton$1,075$970$1,036$1,129$1,123
Clinch$865$781$838$900$906
Cobb$1,030$929$995$1,081$1,074
Coffee$983$884$952$1,023$1,034
Colquitt$988$888$958$1,027$1,041
Columbia$1,050$943$1,017$1,027$1,102
Cook$947$853$918$987$995
Coweta$1,041$935$1,008$1,027$1,093
Crawford$1,032$926$1,000$1,027$1,087
Crisp$985$886$955$1,025$1,037
Dade$1,117$994$1,087$1,091$1,182
Dawson$1,071$961$1,036$1,067$1,124
Decatur$1,000$899$968$1,027$1,052
Dekalb$1,040$937$1,005$1,093$1,085
Dodge$987$887$956$1,026$1,038
Dooly$987$887$956$1,026$1,038
Dougherty$984$887$951$1,027$1,030
Douglas$1,036$934$1,000$1,084$1,081
Early$1,047$937$1,017$1,027$1,107
Echols$983$842$952$939$1,034
Effingham$998$896$969$1,027$1,051
Elbert$1,131$977$1,096$1,027$1,194
Emanuel$1,021$917$989$1,027$1,074
Evans$1,005$901$975$1,027$1,061
Fannin$1,137$996$1,099$1,067$1,195
Fayette$1,002$905$966$1,027$1,046
Floyd$989$889$959$1,032$1,040
Forsyth$1,032$930$997$1,067$1,078
Franklin$1,049$942$1,015$1,027$1,103
Fulton$1,003$906$968$1,055$1,043
Gilmer$1,137$1,015$1,099$1,067$1,195
Glascock$987$886$957$1,026$1,039
Glynn$870$785$844$907$911
Gordon$1,011$908$981$1,053$1,063
Grady$1,000$899$968$1,027$1,052
Greene$1,035$928$1,004$1,027$1,092
Gwinnett$1,094$986$1,055$1,071$1,140
Habersham$1,018$913$988$1,056$1,072
Hall$1,083$973$1,046$1,067$1,133
Hancock$987$886$957$1,026$1,039
Haralson$1,057$950$1,024$1,067$1,110
Harris$1,009$906$979$1,027$1,065
Hart$1,049$942$1,015$1,027$1,103
Heard$1,053$943$1,021$1,027$1,111
Henry$1,078$973$1,038$1,027$1,124
Houston$925$836$894$969$966
Irwin$1,038$896$996$1,027$1,098
Jackson$1,062$954$1,028$1,027$1,116
Jasper$1,116$977$1,084$1,027$1,181
Jeff Davis$1,093$976$1,061$1,027$1,155
Jefferson$1,026$922$996$1,027$1,083
Jenkins$1,079$965$1,048$1,027$1,142
Johnson$1,026$922$996$1,027$1,083
Jones$1,154$997$1,113$1,047$1,208
Lamar$1,025$921$993$1,027$1,079
Lanier$865$781$838$900$906
Laurens$1,021$917$989$1,027$1,074
Lee$1,030$925$998$1,027$1,084
Liberty$928$836$899$967$972
Lincoln$1,054$947$1,019$1,027$1,106
Long$941$846$913$979$988
Lowndes$845$764$819$881$884
Lumpkin$1,068$954$1,038$1,067$1,129
Macon$1,014$909$983$1,047$1,068
Madison$1,011$910$978$1,027$1,060
Marion$1,120$977$1,090$1,027$1,189
Mcduffie$1,056$948$1,024$1,027$1,113
Mcintosh$919$828$890$957$964
Meriwether$1,033$927$1,002$1,027$1,090
Miller$1,047$937$1,017$1,027$1,107
Mitchell$988$888$958$1,027$1,041
Monroe$1,025$921$993$1,027$1,079
Montgomery$1,063$954$1,028$1,027$1,120
Morgan$1,024$921$992$1,027$1,077
Murray$1,137$974$1,099$1,067$1,195
Muscogee$986$888$955$1,034$1,033
Newton$1,042$940$1,005$1,027$1,088
Oconee$1,023$921$989$1,027$1,072
Oglethorpe$1,011$910$978$1,027$1,060
Paulding$1,149$1,015$1,112$1,067$1,208
Peach$979$881$947$1,021$1,026
Pickens$1,062$953$1,027$1,067$1,115
Pierce$1,093$961$1,061$1,027$1,155
Pike$1,081$971$1,044$1,027$1,135
Polk$1,056$946$1,024$1,067$1,112
Pulaski$1,005$903$974$1,027$1,058
Putnam$987$886$957$1,026$1,039
Quitman$968$870$939$1,006$1,018
Rabun$1,018$913$988$1,056$1,072
Randolph$968$870$939$1,006$1,018
Richmond$1,002$902$969$1,051$1,049
Rockdale$1,165$1,021$1,121$1,071$1,215
Schley$1,120$977$1,090$1,027$1,189
Screven$1,079$965$1,048$1,027$1,142
Seminole$1,047$937$1,017$1,027$1,107
Spalding$1,117$977$1,076$1,027$1,168
Stephens$984$886$954$1,030$1,034
Stewart$1,014$909$983$1,027$1,068
Sumter$987$887$956$1,026$1,038
Talbot$996$895$966$1,027$1,049
Taliaferro$1,035$928$1,004$1,027$1,092
Tattnall$1,005$901$975$1,027$1,061
Taylor$1,047$939$1,016$1,027$1,106
Telfair$987$887$956$1,026$1,038
Terrell$968$870$939$1,006$1,018
Thomas$1,017$913$987$1,027$1,072
Tift$985$886$955$1,025$1,037
Toombs$1,063$954$1,028$1,027$1,120
Towns$1,014$908$985$1,051$1,070
Treutlen$1,063$954$1,028$1,027$1,120
Troup$1,000$898$971$1,027$1,055
Turner$985$886$955$1,025$1,037
Twiggs$1,030$925$998$1,027$1,084
Union$1,068$954$1,038$1,067$1,129
Upson$1,025$921$993$1,027$1,079
Walker$996$893$968$1,032$1,050
Walton$1,125$1,007$1,090$1,067$1,183
Ware$983$884$952$1,022$1,034
Warren$1,056$948$1,024$1,027$1,113
Washington$1,026$922$996$1,027$1,083
Wayne$960$864$930$1,002$1,006
Webster$1,014$909$983$1,027$1,068
Wheeler$1,063$954$1,028$1,027$1,120
White$1,014$908$985$1,051$1,070
Whitfield$996$893$968$1,032$1,050
Wilcox$987$887$956$1,026$1,038
Wilkes$1,111$977$1,076$1,027$1,171
Wilkinson$1,030$925$998$1,027$1,084
Worth$985$886$955$1,025$1,037

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.

How to Get Great Rates on Georgia Car Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.