Georgia Car Insurance Cost for 2025

How much does Georgia car insurance cost? We break down average rates plus rank the vehicles with the cheapest car insurance in Georgia.

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  • Average car insurance cost in the state of Georgia is $2,556 per year, or about $213 per month.
  • Georgia ranks eighth out of 12 states in the southeastern U.S. for overall car insurance affordability.
  • Models like the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Buick Envision have cheap car insurance in Georgia.

How much does car insurance cost in Georgia?

Average car insurance cost in Georgia is $2,556 per year, which is 11.6% more than the national average car insurance rate of $2,276.

On a monthly basis, car insurance in Georgia averages $213 for full coverage, but cost can vary widely depending on both the vehicle being insured and where you live in Georgia.

For example, the monthly cost to insure a Subaru Crosstrek in Georgia is $158. In comparison, the average monthly cost to insure a Mercedes-Benz G550 in Georgia averages $423, a difference of $265 per month.

The chart below shows Georgia car insurance rates averaged across all 2024 models and all Georgia Zip Codes. Rates assume a 40-year-old driver with no at-fault accidents or traffic violations.

Average full-coverage car insurance premium in Georgia for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Georgia for different ages of drivers. Rates updated on October 24, 2025.
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Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Georgia Zip Codes.

Average Car Insurance Cost in Georgia
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,354$363
$500$5,144$429
$250$5,982$499
30$1,000$2,286$191
$500$2,728$227
$250$3,188$266
40$1,000$2,152$179
$500$2,556$213
$250$2,980$248
50$1,000$1,916$160
$500$2,268$189
$250$2,634$220
60$1,000$1,796$150
$500$2,122$177
$250$2,464$205

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Georgia Zip Codes. Updated October 24, 2025

Georgia auto insurance rates range from $1,796 per year for a 60-year-old driver with $1,000 deductibles to $5,982 per year for a 20-year-old driver with $250 policy deductibles in the data shown above. The same data converted to monthly rates ranges from $150 to $499.

Omitted from the chart above are car insurance rates for teenage drivers in Georgia, because, honestly, they’re so high that the vertical bars for the other age groups are difficult to read. Average car insurance rates for teenagers in Georgia ranges from $6,089 per year for a 19-year-old female driver up to $9,106 per year for a 16-year-old male driver.

How does car insurance in Georgia compare?

When compared to nearby states, average car insurance quotes in Georgia are 13.3% more expensive than South Carolina, 31.2% higher than North Carolina, 5% more than Tennessee, 8.7% more than Alabama, and 8.8% cheaper than Florida.

When average rates are compared to states outside the southeast region, Georgia car insurance costs 6.5% more than Texas, 12.1% less than California, 6.1% more expensive than Oregon, 12.1% cheaper than Michigan, and 9% less than New York.

As an example using annual policy costs, average car insurance on a 2024 Toyota Camry in Georgia costs $2,750 per year. This average rate is:

  • $348 per year more expensive than insurance on the same Camry in South Carolina ($2,402)
  • $744 per year more expensive than in North Carolina ($2,006)
  • $134 per year more expensive than in Tennessee ($2,616)
  • $230 per year more expensive than in Alabama ($2,520)
  • $248 per year cheaper than in Florida ($2,998)

The chart below shows how average Georgia car insurance rates compare to the other states in the southeastern part of the U.S. Georgia ranks eighth out of 12 states in the southeastern region and ranks 33rd out of all 50 states for cheapest car insurance rates.

Average cost of car insurance in Georgia compared to other Southeast region states.
Figure 2: Average cost of car insurance in Georgia compared to other Southeast region states. Rates updated on October 24, 2025.
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Average Car Insurance Cost in Georgia Compared to Southeast Region
Southeast Region States Average Annual Premium Cost Difference
North Carolina$1,866-$690
Virginia$1,934-$622
South Carolina$2,238-$318
West Virginia$2,328-$228
Alabama$2,344-$212
Tennessee$2,432-$124
Mississippi$2,476-$80
Georgia$2,556--
Arkansas$2,600$44
Kentucky$2,644$88
Louisiana$2,696$140
Florida$2,792$236

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Georgia Zip Codes. Updated October 24, 2025

Which autos have cheap car insurance in Georgia?

Despite the Toyota Camry being the most popular vehicle in Georgia, it doesn’t have the cheapest car insurance rates. That honor goes to the Subaru Crosstrek, with an average car insurance cost of $1,890 per year.

Some additional vehicles that are ranked high in our insurance cost comparison are the Chevrolet Trailblazer, Honda Passport, Toyota Corolla Cross, and Volkswagen Tiguan. Insurance rates for those models average $2,116 or less per year in Georgia.

Models that have the cheapest car insurance rates in their respective segments are:

  • Toyota GR Corolla (compact car) at $2,222 per year
  • Subaru Crosstrek (compact SUV) at $1,890 per year
  • Kia K5 (midsize car) at $2,464 per year
  • Honda Passport (midsize SUV) at $2,038 per year
  • Chrysler 300 (full-size car) at $2,434 per year
  • Chevrolet Tahoe (large SUV) at $2,400 per year
  • Chevrolet Colorado (midsize pickup) at $2,254 per year
  • Nissan Titan (full-size pickup) at $2,392 per year
  • Honda Odyssey (minivan) at $2,338 per year
  • Mazda MX-5 Miata (sports car) at $2,366 per year
  • Acura Integra (compact luxury car) at $2,274 per year
  • Acura RDX (compact luxury SUV) at $2,140 per year
  • Mercedes-Benz CLA250 (midsize luxury car) at $2,630 per year
  • Jaguar E-Pace (midsize luxury SUV) at $2,392 per year
  • Audi A5 (full-size luxury car) at $3,040 per year
  • Infiniti QX80 (full-size luxury SUV) at $2,868 per year

The table below shows the cheapest car insurance rates in Georgia selected from all 2024 models.

Top 100 Cheapest Car Insurance Rates in Georgia
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,890$158
2Chevrolet Trailblazer$1,922$160
3Kia Soul$1,998$167
4Nissan Kicks$2,016$168
5Honda Passport$2,038$170
6Buick Envision$2,050$171
7Toyota Corolla Cross$2,062$172
8Hyundai Venue$2,078$173
9Mazda CX-5$2,086$174
10Ford Bronco Sport$2,094$175
11Volkswagen Tiguan$2,116$176
12Acura RDX$2,140$178
13Nissan Murano$2,150$179
14Buick Encore$2,172$181
15Honda CR-V$2,180$182
16Subaru Outback$2,180$182
17Buick Envista$2,186$182
18Volkswagen Taos$2,190$183
19Kia Niro$2,202$184
20Toyota GR Corolla$2,222$185
21Honda HR-V$2,226$186
22Subaru Ascent$2,228$186
23Nissan Leaf$2,240$187
24Chevrolet Colorado$2,254$188
25Lexus NX 250$2,264$189
26Honda Civic$2,266$189
27Volkswagen Atlas$2,268$189
28Acura Integra$2,274$190
29Subaru Forester$2,276$190
30Volkswagen Atlas Cross Sport$2,278$190
31Kia Seltos$2,284$190
32GMC Terrain$2,290$191
33Nissan Rogue$2,298$192
34Hyundai Kona$2,302$192
35Mazda CX-30$2,306$192
36Cadillac XT4$2,308$192
37Volkswagen ID4$2,320$193
38Ford Explorer$2,322$194
39Toyota Highlander$2,328$194
40Ford Escape$2,334$195
41Toyota Venza$2,334$195
42Honda Odyssey$2,338$195
43Nissan Sentra$2,344$195
44Subaru Impreza$2,352$196
45Chevrolet Equinox$2,354$196
46Toyota RAV4$2,358$197
47Mazda MX-5 Miata$2,366$197
48Mazda MX-30$2,374$198
49Hyundai Tucson$2,378$198
50Chevrolet Traverse$2,388$199
51Toyota Prius$2,390$199
52Jaguar E-Pace$2,392$199
53Nissan Titan$2,392$199
54Chevrolet Tahoe$2,400$200
55Mitsubishi Outlander Sport$2,404$200
56Mitsubishi Outlander PHEV$2,412$201
57Cadillac XT5$2,414$201
58Chevrolet Trax$2,414$201
59Lexus NX 350h$2,414$201
60Ford Edge$2,418$202
61Nissan Frontier$2,418$202
62Mini Cooper Clubman$2,422$202
63Kia Sorento$2,428$202
64Mini Cooper$2,432$203
65Ford Ranger$2,444$204
66Lincoln Corsair$2,444$204
67Mercedes-Benz GLB 250$2,448$204
68Lexus UX 250h$2,452$204
69Mitsubishi Eclipse Cross$2,454$205
70Jeep Renegade$2,458$205
71Kia K5$2,464$205
72Lexus NX 450h$2,466$206
73GMC Acadia$2,468$206
74Honda Accord$2,470$206
75Buick Enclave$2,472$206
76Chevrolet Malibu$2,478$207
77Ford Maverick$2,482$207
78Infiniti QX50$2,484$207
79Honda Pilot$2,490$208
80Mitsubishi Outlander$2,490$208
81Toyota Corolla$2,490$208
82Mercedes-Benz GLA250$2,494$208
83Kia Forte$2,496$208
84Mazda CX-9$2,496$208
85Cadillac XT6$2,502$209
86Kia Sportage$2,502$209
87Mercedes-Benz GLA35 AMG$2,502$209
88Hyundai Ioniq 5$2,512$209
89Volkswagen Arteon$2,514$210
90Infiniti QX60$2,516$210
91Mercedes-Benz AMG GLB35$2,520$210
92Nissan Versa$2,520$210
93Fiat 500X$2,524$210
94Subaru Legacy$2,524$210
95Chrysler Pacifica$2,528$211
96Mini Cooper Countryman$2,530$211
97Subaru Solterra$2,532$211
98Chevrolet Suburban$2,536$211
99Honda Ridgeline$2,536$211
100Mazda CX-50$2,538$212

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Georgia Zip Codes. Updated October 24, 2025

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Top 100 cheapest vehicles to insure in Georgia with the Subaru Crosstrek ranking first at $1,890 per year
Top 100 cheapest vehicles to insure in Georgia with the Subaru Crosstrek ranking first at $1,890 per year

Average rates in Georgia cities

The list below shows some of the larger cities in Georgia and their respective annual and monthly average car insurance cost. Visit any page for detailed rate information, including the cheapest vehicles to insure in each city, organized by vehicle segment.