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 $2,514 per year, or about $210 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 $2,514 per year, which is 12.4% more than the national average car insurance rate of $2,221.

On a monthly basis, car insurance in Georgia averages $210 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 $155. In comparison, the average monthly cost to insure a Mercedes-Benz G550 in Georgia averages $416, a difference of $261 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 June 26, 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$4,278$357
$500$5,056$421
$250$5,878$490
30$1,000$2,248$187
$500$2,682$224
$250$3,134$261
40$1,000$2,114$176
$500$2,514$210
$250$2,932$244
50$1,000$1,882$157
$500$2,226$186
$250$2,584$215
60$1,000$1,764$147
$500$2,086$174
$250$2,422$202

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 June 26, 2025

Georgia auto insurance rates range from $1,764 per year for a 60-year-old driver with $1,000 deductibles to $5,878 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 $147 to $490.

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 $5,987 per year for a 19-year-old female driver up to $8,950 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 13.7% more expensive than South Carolina, 31.9% higher than North Carolina, 5% more than Tennessee, 8.9% more than Alabama, and 9.1% cheaper than Florida.

When average rates are compared to states outside the southeast region, Georgia car insurance costs 6.7% more than Texas, 12.2% less than California, 6.3% more expensive than Oregon, 12.8% 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 $2,702 per year. This average rate is:

  • $346 per year more expensive than insurance on the same Camry in South Carolina ($2,356)
  • $744 per year more expensive than in North Carolina ($1,958)
  • $134 per year more expensive than in Tennessee ($2,568)
  • $230 per year more expensive than in Alabama ($2,472)
  • $260 per year cheaper than in Florida ($2,962)

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 June 26, 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$1,822-$692
Virginia$1,890-$624
South Carolina$2,192-$322
West Virginia$2,288-$226
Alabama$2,300-$214
Tennessee$2,392-$122
Mississippi$2,432-$82
Georgia$2,514--
Arkansas$2,556$42
Kentucky$2,600$86
Louisiana$2,660$146
Florida$2,754$240

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 June 26, 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 $1,856 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 $2,080 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 $2,184 per year
  • Subaru Crosstrek (compact SUV) at $1,856 per year
  • Kia K5 (midsize car) at $2,420 per year
  • Honda Passport (midsize SUV) at $2,002 per year
  • Chrysler 300 (full-size car) at $2,394 per year
  • Chevrolet Tahoe (large SUV) at $2,360 per year
  • Chevrolet Colorado (midsize pickup) at $2,212 per year
  • Nissan Titan (full-size pickup) at $2,350 per year
  • Honda Odyssey (minivan) at $2,296 per year
  • Mazda MX-5 Miata (sports car) at $2,326 per year
  • Acura Integra (compact luxury car) at $2,234 per year
  • Acura RDX (compact luxury SUV) at $2,102 per year
  • Mercedes-Benz CLA250 (midsize luxury car) at $2,586 per year
  • Jaguar E-Pace (midsize luxury SUV) at $2,350 per year
  • Audi A5 (full-size luxury car) at $2,984 per year
  • Infiniti QX80 (full-size luxury SUV) at $2,818 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$1,856$155
2Chevrolet Trailblazer$1,890$158
3Kia Soul$1,962$164
4Nissan Kicks$1,978$165
5Honda Passport$2,002$167
6Buick Envision$2,014$168
7Toyota Corolla Cross$2,026$169
8Hyundai Venue$2,040$170
9Mazda CX-5$2,050$171
10Ford Bronco Sport$2,060$172
11Volkswagen Tiguan$2,080$173
12Acura RDX$2,102$175
13Nissan Murano$2,112$176
14Buick Encore$2,134$178
15Subaru Outback$2,140$178
16Honda CR-V$2,142$179
17Buick Envista$2,146$179
18Volkswagen Taos$2,152$179
19Kia Niro$2,164$180
20Toyota GR Corolla$2,184$182
21Honda HR-V$2,186$182
22Subaru Ascent$2,186$182
23Nissan Leaf$2,200$183
24Chevrolet Colorado$2,212$184
25Honda Civic$2,224$185
26Lexus NX 250$2,224$185
27Volkswagen Atlas$2,228$186
28Acura Integra$2,234$186
29Subaru Forester$2,236$186
30Volkswagen Atlas Cross Sport$2,238$187
31Kia Seltos$2,244$187
32GMC Terrain$2,250$188
33Nissan Rogue$2,256$188
34Hyundai Kona$2,260$188
35Mazda CX-30$2,264$189
36Cadillac XT4$2,270$189
37Volkswagen ID4$2,278$190
38Ford Explorer$2,280$190
39Toyota Highlander$2,286$191
40Ford Escape$2,290$191
41Toyota Venza$2,294$191
42Honda Odyssey$2,296$191
43Nissan Sentra$2,302$192
44Subaru Impreza$2,308$192
45Chevrolet Equinox$2,312$193
46Toyota RAV4$2,318$193
47Mazda MX-5 Miata$2,326$194
48Mazda MX-30$2,332$194
49Hyundai Tucson$2,336$195
50Chevrolet Traverse$2,344$195
51Toyota Prius$2,348$196
52Jaguar E-Pace$2,350$196
53Nissan Titan$2,350$196
54Chevrolet Tahoe$2,360$197
55Mitsubishi Outlander Sport$2,360$197
56Cadillac XT5$2,370$198
57Lexus NX 350h$2,372$198
58Mitsubishi Outlander PHEV$2,372$198
59Chevrolet Trax$2,374$198
60Nissan Frontier$2,374$198
61Ford Edge$2,376$198
62Mini Cooper Clubman$2,378$198
63Kia Sorento$2,386$199
64Mini Cooper$2,386$199
65Ford Ranger$2,400$200
66Lincoln Corsair$2,400$200
67Mercedes-Benz GLB 250$2,406$201
68Lexus UX 250h$2,408$201
69Mitsubishi Eclipse Cross$2,412$201
70Jeep Renegade$2,416$201
71Kia K5$2,420$202
72GMC Acadia$2,422$202
73Lexus NX 450h$2,424$202
74Buick Enclave$2,428$202
75Honda Accord$2,428$202
76Chevrolet Malibu$2,436$203
77Ford Maverick$2,438$203
78Infiniti QX50$2,442$204
79Toyota Corolla$2,446$204
80Honda Pilot$2,448$204
81Mitsubishi Outlander$2,448$204
82Mercedes-Benz GLA250$2,450$204
83Kia Forte$2,452$204
84Mazda CX-9$2,454$205
85Cadillac XT6$2,458$205
86Mercedes-Benz GLA35 AMG$2,458$205
87Kia Sportage$2,460$205
88Hyundai Ioniq 5$2,468$206
89Volkswagen Arteon$2,470$206
90Infiniti QX60$2,472$206
91Nissan Ariya$2,472$206
92Mercedes-Benz AMG GLB35$2,476$206
93Nissan Versa$2,478$207
94Subaru Legacy$2,478$207
95Fiat 500X$2,480$207
96Chrysler Pacifica$2,482$207
97Mini Cooper Countryman$2,484$207
98Subaru Solterra$2,488$207
99Chevrolet Suburban$2,490$208
100Honda Ridgeline$2,492$208

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 June 27, 2025

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Top 100 cheapest vehicles to insure in Georgia with the Subaru Crosstrek ranking first at $1,856 per year
Top 100 cheapest vehicles to insure in Georgia with the Subaru Crosstrek ranking first at $1,856 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.