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:

Comprehensive $294
Collision $538
Liability $342

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.

Liability Only $406
Full Coverage $1,324
High Risk $2,860

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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Georgia car insurance rate comparison chart
Column chart showing Georgia car insurance prices range from $761 to $4,870 for full coverage

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.

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
RankCompanyMarket ShareAverage Rate
1State Farm23.65%$1,418
2Allstate11.70%$2,224
3Geico10.67%$2,187
4Progressive10.06%$1,756
5USAA7.77%$988
6Liberty Mutual4.45%$2,024
7Nationwide3.77%$1,438
8Georgia Farm Bureau3.35%$1,286
9Travelers2.51%$1,305
10Auto Owners1.99%$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 $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.

Georgia Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,3965.2%
Dodge Ram$1,4367.8%
Ford Escape$1,102-20.1%
Ford Focus$1,282-3.3%
Ford Fusion$1,4045.7%
Ford F-150$1,244-6.4%
GMC Acadia$1,220-8.5%
GMC Sierra$1,3763.8%
Honda Accord$1,236-7.1%
Honda Civic$1,4468.4%
Honda CR-V$1,074-23.3%
Honda Pilot$1,258-5.2%
Hyundai Sonata$1,3421.3%
Kia Optima$1,3663.1%
Nissan Altima$1,3622.8%
Nissan Rogue$1,3280.3%
Toyota Camry$1,3501.9%
Toyota Corolla$1,320-0.3%
Toyota Prius$1,228-7.8%
Toyota RAV4$1,250-5.9%
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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

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Rates by Driver Age

Georgia Insurance Rates by Driver Age
Driver AgePremium
16$4,870
20$3,058
30$1,386
40$1,324
50$1,210
60$1,188

Full coverage, $500 deductibles

Rates by Deductible

Georgia Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,692
$250$1,522
$500$1,324
$1,000$1,136

Full coverage, driver age 40

Rates by Liability Limit

Georgia Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,324
50/100$1,392
100/300$1,478
250/500$1,700
100 CSL$1,427
300 CSL$1,615
500 CSL$1,752

Full coverage, driver age 40

Rates for High Risk Drivers

Georgia Car Insurance Rates for High Risk Drivers
AgePremium
16$6,960
20$4,856
30$2,930
40$2,860
50$2,730
60$2,702

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 $183

Potential Rate Discounts

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

DiscountSavings
Multi-policy$70
Multi-vehicle$68
Homeowner$19
5-yr Accident Free$99
5-yr Claim Free$85
Paid in Full/EFT$62
Advance Quote$66
Online Quote$94
Total Discounts$563
Rate after discounts $761

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

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