Georgia Car Insurance Rates
Projected insurance rates in Georgia for 2018 are $1,324 every 12 months including full coverage. Comprehensive insurance, collision, and liability coverage cost an estimated $294, $538, and $342, respectively. East Point and Atlanta average the highest average rates, and the three companies with the most written premium are State Farm, Allstate, and Geico.
Average rate for full coverage: $1,324
Premium estimates broken down by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Cost of Auto Insurance in Georgia
For a middle-aged driver, Georgia insurance rates go from the low end price of $406 for a discount liability-only rate to a high of $2,860 for a high risk driver.
These price differences highlight why it is important to compare rates for a targeted area, rather than using averaged prices.
Use the form below to get accurate rates for your location.
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Recommended Companies for Cheap Georgia Insurance
The chart above shows average Georgia car insurance rates for different risks and coverage choices. The cheapest rate with discounts is $761. Insureds who use higher $1,000 deductibles will pay $1,136. The average rate for a driver around age 40 using $500 deductibles is $1,324. Choosing low $100 deductibles for collision and other-than-collision coverage can cost as much as $1,692. Drivers considered high risk could be charged around $2,860. The cost for full coverage for a teenage driver is $4,870.
Auto insurance rates in Georgia also range considerably based on the type of vehicle you drive, your driving record and age, and liability limits and deductibles.
Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age
The city you live in makes a big difference in auto insurance rates. Rural areas might see rates around $1,000 a year, while some neighborhoods in East Point and Atlanta may see prices closer to $1,900. Even different areas with close proximity in the same city can have large rate differences.
These wide price ranges demonstrate the need to quote rates based on where you live in Georgia.
The company you choose influences the cost of coverage. In each state, every insurer has their own rate formula, and prices can change depending on individual risk factors. In Georgia, car insurance prices range from $847 with Auto-Owners to as high as $2,534 with Victoria. Companies like The Hartford, USAA, and Central Mutual fall in the middle.Those are not necessarily the prices you would have to pay, as your location, your motor vehicle report, and the type of vehicle you drive have to be considered.
|Rank||Company||Market Share||Average Rate|
|8||Georgia Farm Bureau||3.35%||$1,286|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Choosing higher comprehensive and collision insurance deductibles could save up to $560 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $308 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 135% more than the average policy. View High Risk Driver Rates
The make and model of vehicle you drive is a primary factor in determining the cost of auto insurance coverage in Georgia. Choosing to drive a less expensive and lower horsepower vehicle will be cheaper to insure due to lower cost for replacement parts and lower medical and liability claims. This table shows auto insurance estimates for some of the more popular vehicles that are insured in Georgia.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles
Because prices have so much variability, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Every company calculates prices differently, and quoted rates will be varied.
Georgia Auto Insurance Articles
- Cheapest Georgia Auto Insurance Quotes
- How Much Does Auto Insurance Cost for Drivers with a DUI in Georgia?
- Who Has Cheap Insurance for a Ford Escape in Georgia?
- How Much are Insurance Quotes for a Ford Fusion in Georgia?
- Cheapest Insurance Quotes for a Nissan Altima in Georgia
- Best Cheap Insurance for a Nissan Rogue in Georgia
- Who Has the Cheapest Auto Insurance Quotes After a Speeding Ticket in Georgia?
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$99|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$62|
Discounts are estimated and may not be available from every company or in every state.