Find Cheaper Georgia Car Insurance Rates in 2024

Enter your Georgia zip code below to view companies that have cheap auto insurance rates.

Projected insurance rates in Georgia for 2024 are $1,298 every 12 months including full coverage. Comprehensive insurance, collision, and liability coverage cost an estimated $288, $528, and $336, 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: $1,298

Premium estimates broken down by individual coverage type:

Comprehensive $288
Collision $528
Liability $336

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 $398 for a discount liability-only rate to a high of $2,806 for a high risk driver.

Liability Only $398
Full Coverage $1,298
High Risk $2,806

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.

Enter your Georgia zip code below to view companies that have cheap auto insurance rates.

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Georgia car insurance rate comparison chart
Column chart showing Georgia car insurance prices range from $745 to $4,778 for full coverage

The chart above shows average Georgia car insurance rates for different risks and coverage choices. The cheapest rate with discounts is $745. Insureds who use higher $1,000 deductibles will pay $1,114. The average rate for a driver around age 40 using $500 deductibles is $1,298. Choosing low $100 deductibles for collision and other-than-collision coverage can cost as much as $1,660. Drivers considered high risk could be charged around $2,806. The cost for full coverage for a teenage driver is $4,778.

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 $4,700 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.

View Chart as Image

Georgia insurance rates by city

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.

Georgia Auto Insurance Companies by Market Share and Average Rate
Rank Company Market Share Average Rate
1 State Farm 23.65% $1,418
2 Allstate 11.70% $2,224
3 Geico 10.67% $2,187
4 Progressive 10.06% $1,756
5 USAA 7.77% $988
6 Liberty Mutual 4.45% $2,024
7 Nationwide 3.77% $1,438
8 Georgia Farm Bureau 3.35% $1,286
9 Travelers 2.51% $1,305
10 Auto Owners 1.99% $847
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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 $550 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 $303 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 $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 129% 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.

Georgia Auto Insurance Rates for Popular Vehicles
Make and Model Premium % to Avg
Chevrolet Silverado $1,372 5.4%
Dodge Ram $1,408 7.8%
Ford Escape $1,082 -20%
Ford Focus $1,256 -3.3%
Ford Fusion $1,378 5.8%
Ford F-150 $1,222 -6.2%
GMC Acadia $1,196 -8.5%
GMC Sierra $1,348 3.7%
Honda Accord $1,212 -7.1%
Honda Civic $1,420 8.6%
Honda CR-V $1,054 -23.1%
Honda Pilot $1,234 -5.2%
Hyundai Sonata $1,318 1.5%
Kia Optima $1,344 3.4%
Nissan Altima $1,336 2.8%
Nissan Rogue $1,306 0.6%
Toyota Camry $1,322 1.8%
Toyota Corolla $1,294 -0.3%
Toyota Prius $1,208 -7.5%
Toyota RAV4 $1,224 -6%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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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

Rates by Driver Age

Georgia Insurance Rates by Driver Age
Driver Age Premium
16 $4,778
20 $3,000
30 $1,360
40 $1,298
50 $1,186
60 $1,160

Full coverage, $500 deductibles

Rates by Deductible

Georgia Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,660
$250 $1,492
$500 $1,298
$1,000 $1,114

Full coverage, driver age 40

Rates by Liability Limit

Georgia Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,298
50/100 $1,365
100/300 $1,449
250/500 $1,668
100 CSL $1,399
300 CSL $1,584
500 CSL $1,718

Full coverage, driver age 40

Rates for High Risk Drivers

Georgia Car Insurance Rates for High Risk Drivers
Age Premium
16 $6,824
20 $4,760
30 $2,874
40 $2,806
50 $2,674
60 $2,650

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.

SR-22 Surcharge $180

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $67
Homeowner $18
5-yr Accident Free $97
5-yr Claim Free $84
Paid in Full/EFT $61
Advance Quote $65
Online Quote $92
Total Discounts $553
Rate after discounts $745

Discounts are estimated and may not be available from every company or in every state.

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