- Average car insurance cost in the state of Georgia is $1,840 per year, or about $153 per month.
- Georgia ranks eighth out of 12 states in the southeastern U.S. for overall car insurance affordability.
- Models like the Subaru Crosstrek, Nissan Kicks, Honda Passport, and Mazda CX-5 have cheap car insurance in Georgia.
How much does car insurance cost in Georgia?
Average car insurance cost in Georgia is $1,840 per year, which is 6.3% more than the national average car insurance rate of $1,728.
On a monthly basis, car insurance in Georgia averages $153 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 $117. In comparison, the average monthly cost to insure a Mercedes-Benz G550 in Georgia averages $259, a difference of $142 per month.
The chart below shows Georgia car insurance rates averaged across all 2023 models and all Georgia Zip Codes. Rates assume a 40-year-old driver with no at-fault accidents or traffic violations.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
Georgia auto insurance rates range from $1,392 per year for a 60-year-old driver with $1,000 deductibles to $4,254 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 $116 to $355.
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 $4,638 per year for a 19-year-old female driver up to $6,596 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 19.2% more expensive than South Carolina, 46.8% higher than North Carolina, 6.9% more than Tennessee, 12.2% more than Alabama, and 19% cheaper than Florida.
When average rates are compared to states outside the southeast region, Georgia car insurance costs 9.3% more than Texas, 16.6% less than California, 8.9% more expensive than Oregon, 28% cheaper than Michigan, and 12.4% less than New York.
As an example using annual policy costs, average car insurance on a 2023 Toyota Camry in Georgia costs $1,750 per year. This average rate is:
- $308 per year more expensive than insurance on the same Camry in South Carolina ($1,442)
- $666 per year more expensive than in North Carolina ($1,084)
- $118 per year more expensive than in Tennessee ($1,632)
- $204 per year more expensive than in Alabama ($1,546)
- $366 per year cheaper than in Florida ($2,116)
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.
|Southeast Region States||Average Insurance Cost||Annual Difference|
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 Chevrolet Trailblazer, with an average car insurance cost of $1,394 per year.
Some additional vehicles that are ranked high in our insurance cost comparison are the Subaru Crosstrek, Nissan Rogue Sport, Buick Encore, and Hyundai Venue. Insurance rates for those models average $1,502 or less per year in Georgia.
Models that have the cheapest car insurance rates in their respective segments are:
- Subaru Impreza (compact car) at $1,522 per year
- Chevrolet Trailblazer (compact SUV) at $1,394 per year
- Subaru Legacy (midsize car) at $1,696 per year
- Honda Passport (midsize SUV) at $1,430 per year
- Chrysler 300 (full-size car) at $1,798 per year
- Chevrolet Tahoe (large SUV) at $1,726 per year
- Ford Maverick (midsize pickup) at $1,530 per year
- Nissan Titan (full-size pickup) at $1,822 per year
- Honda Odyssey (minivan) at $1,684 per year
- Mazda MX-5 Miata (sports car) at $1,702 per year
- Acura Integra (compact luxury car) at $1,654 per year
- Acura RDX (compact luxury SUV) at $1,534 per year
- Cadillac CT5 (midsize luxury car) at $1,980 per year
- Lexus RX 350 (midsize luxury SUV) at $1,646 per year
- Audi A5 (full-size luxury car) at $2,062 per year
- Volvo XC90 (full-size luxury SUV) at $1,898 per year
The table below shows the cheapest car insurance rates in Georgia selected from all 2023 models.
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.
- Atlanta Car Insurance - $2,084 per year or $174 per month
- Augusta Car Insurance - $1,672 per year or $139 per month
- Columbus Car Insurance - $1,802 per year or $150 per month
- Savannah Car Insurance - $1,874 per year or $156 per month
- Athens Car Insurance - $1,688 per year or $141 per month
- Sandy Springs Car Insurance - $1,958 per year or $163 per month
- Roswell Car Insurance - $1,962 per year or $164 per month
- Albany Car Insurance - $1,656 per year or $138 per month