Updated NAIC 2023 data | Rank #46 of 51 by average expenditure
Car Insurance Cost Per Month in Georgia
Full coverage avg
$146/mo
Minimum coverage avg
$87/mo
State minimum reqs
25/50/25
Atlanta metro traffic and above-average claims frequency push rates above the national mean. Adjust age and vehicle below to see your estimated monthly cost.
Georgia
in Georgia with a Sedan
$168/month
Anchored on the state average for a policy with liability, collision and comprehensive. +$48 above national avg
State Min$100/mo25/50/25
Standard$134/mo50/100/50
Full Coverage$168/mo100/300/100
State anchor: NAIC Auto Insurance Database Report, 2023 data year. Age and vehicle adjustments are modelled.
How we calculate thisModelled Monthly Cost by Age in Georgia
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $340 | $571 | Age 16page → |
| 17 | $310 | $520 | Age 17page → |
| 18 | $270 | $453 | Age 18page → |
| 19 | $230 | $386 | Age 19page → |
| 25 | $100 | $168 | Age 25page → |
| 35 | $85 | $143 | Age 35page → |
| 45 | $87 | $146 | Age 45page → |
| 65 | $95 | $159 | Age 65page → |
Average Monthly Cost by Vehicle Type in Georgia
Top 3 Carriers in Georgia by Market Share
1
State Farm
By direct written premium
2
GEICO
By direct written premium
3
Allstate
By direct written premium
Market share does not equal the cheapest rate for your profile. Compare at least three carriers.
Nearby States by Cost Rank
Georgia Car Insurance FAQs
What is the average car insurance cost per month in Georgia?⌄
On the 2022/2023 Auto Insurance Database Report (2023 data year), a policy in Georgia carrying liability, collision and comprehensive averaged $146 a month, and the liability portion alone $87. The average insured vehicle in the state cost $130 a month, whether or not it carried the physical damage coverages, which ranks Georgia #46 of 51 jurisdictions (1 = cheapest). These are averages across every driver, vehicle and limit in the state, not quotes, and the NAIC series runs about two years behind.
What is the minimum car insurance required in Georgia?⌄
Georgia requires minimum liability coverage of 25/50/25.
Who has the cheapest car insurance in Georgia?⌄
The top three carriers by market share in Georgia are State Farm, GEICO, Allstate, per NAIC market share filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does Georgia have no-fault insurance?⌄
No. Georgia is an at-fault state. When an accident occurs, the at-fault driver's liability coverage pays for the other driver's injuries and property damage. This means your state-minimum liability coverage must be high enough to cover a potential claim against you.
Why is car insurance so expensive in Georgia?⌄
Atlanta metro traffic and above-average claims frequency push rates above the national mean.
Is my credit score used for car insurance in Georgia?⌄
Yes, in most cases. Georgia allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.