Car Insurance Cost in Georgia (GA) — 2025 Rates
The average car insurance cost in Georgia is $2,240 per year ($187/month), which is 12% above the national average of $2,000/year. Use our calculator below to estimate your personal rate based on age, coverage level, and vehicle type.
Georgia Car Insurance Calculator
Estimated Annual Cost
$2,234
Estimated Monthly Cost
$186
| Age Group | Minimum | Standard | Full Coverage |
|---|---|---|---|
| 16–25 | $1,931 | $3,511 | $4,916 |
| 26–35 | $1,229 | $2,234 | $3,128 |
| 36–50 | $1,053 | $1,915 | $2,681 |
| 51–65 | $1,112 | $2,022 | $2,830 |
| 65+ | $1,287 | $2,341 | $3,277 |
| Vehicle Type | Minimum | Standard | Full Coverage |
|---|---|---|---|
| Sedan | $1,229 | $2,234 | $3,128 |
| SUV | $1,358 | $2,470 | $3,457 |
| Truck | $1,294 | $2,352 | $3,293 |
| Luxury | $1,746 | $3,175 | $4,445 |
Frequently Asked Questions
What is the average car insurance cost in Georgia?▼
The average car insurance cost in Georgia is approximately $2,240 per year or $187 per month for standard coverage. Rates vary significantly based on your age, driving record, coverage level, and vehicle type.
How can I lower my car insurance in Georgia?▼
You can lower your car insurance premiums by maintaining a clean driving record, bundling auto and home insurance, increasing your deductible, asking about available discounts (good student, safe driver, multi-car), and comparing quotes from multiple insurers.
What is the minimum car insurance required in Georgia?▼
Georgia requires drivers to carry minimum liability insurance. The exact minimums vary, but typically include bodily injury liability and property damage liability. Minimum-only coverage in Georgia averages around $1,053 per year.
Does my credit score affect car insurance rates in Georgia?▼
In most states, including Georgia, insurers use credit-based insurance scores as one factor in determining premiums. A better credit score typically results in lower insurance rates. However, some states have restrictions on how credit can be used in pricing.
How much does full coverage car insurance cost in Georgia?▼
Full coverage car insurance in Georgia averages approximately $2,681 per year for a 36–50-year-old driver with a sedan. Full coverage includes comprehensive and collision in addition to liability.