Georgia Car Insurance Cost for 2022

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 $1,472 per year, or about $123 per month.
  • Car insurance in Georgia is more expensive than the average for all Southeast region U.S. states.
  • Models like the Nissan Kicks, Chevrolet Trailblazer, Honda Passport, and Toyota C-HR have cheap car insurance in Georgia.

How much does car insurance cost in Georgia?

Average car insurance cost in Georgia is $1,472 per year, which is 6.1% less than the national average car insurance rate of $1,567.

On a monthly basis, car insurance in Georgia averages $123 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 Mazda 6 in Georgia is $122. In comparison, the average monthly cost to insure a Tesla Model 3 in Georgia averages $129, a difference of nearly $25 per month or $300 per year.

And if we look at average car insurance rates for high-end luxury models, the monthly cost of insurance can jump up to as much as $233 per month for a Mercedes-Benz G63 AMG or even  $242 per month for a BMW M760i.

The chart below shows Georgia car insurance rates averaged across all 2022 models and all Georgia Zip Codes. Rates assume a 40-year-old driver with no at-fault accidents or traffic violations.

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Chart Data Details: Chart shows average Georgia car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Georgia zip codes.Data last updated on September 13, 2022
Average Car Insurance Cost in Georgia
Average Car Insurance Cost in Georgia
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,482$207
$500$2,924$244
$250$3,388$282
30$1,000$1,304$109
$500$1,550$129
$250$1,808$151
40$1,000$1,246$104
$500$1,472$123
$250$1,710$143
50$1,000$1,138$95
$500$1,342$112
$250$1,554$130
60$1,000$1,112$93
$500$1,314$110
$250$1,522$127

Georgia auto insurance rates range from $1,112 per year for a 60-year-old driver with $1,000 deductibles to $3,388 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 $93 to $282.

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 $3,702 per year for a 19-year-old female driver up to $5,274 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 4.8% more expensive than South Carolina, 52.4% higher than North Carolina, 22.1% more than Tennessee, 18.7% more than Alabama, and 33.9% cheaper than Florida.

When average rates are compared to states outside the southeast region, Georgia car insurance costs 2.5% more than Texas, 15.6% less than California, 15.4% more than Oregon, 39.3% less than Michigan, and 9.1% less than New York.

As an example using annual policy costs, average car insurance on a 2022 Toyota Camry in Georgia costs $1,448 per year. This average rate is:

  • $66 per year more expensive than insurance on the same Camry in South Carolina ($1,382)
  • $496 per year more expensive than in North Carolina ($952)
  • $264 per year more expensive than in Tennessee ($1,184)
  • $228 per year more expensive than in Alabama ($1,220)
  • $740 per year cheaper than in Florida ($2,188)

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 #8 out of 12 states in the southeastern region and ranks #34 out of all 50 states for cheapest car insurance rates.

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Georgia Car Insurance Cost Compared to Southeast Region
Average Car Insurance Cost in Georgia Compared to Southeast Region
Southeast Region States Average Insurance Cost Annual Difference
North Carolina$966-$506
Virginia$982-$490
Tennessee$1,206-$266
Alabama$1,240-$232
West Virginia$1,368-$104
South Carolina$1,404-$68
Mississippi$1,438-$34
Georgia$1,472--
Arkansas$1,630$158
Kentucky$1,772$300
Louisiana$2,206$734
Florida$2,228$756

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 Mazda CX-5, with an average car insurance cost of $1,120 per year.

Some additional vehicles that are ranked high in our insurance cost comparison are the Nissan Kicks, Subaru Crosstrek, Chevrolet Colorado, and Buick Envision. Insurance rates for those models average $1,252 or less per year in Georgia.

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

  • Subaru Impreza (compact car) at $1,276 per year
  • Mazda CX-5 (compact SUV) at $1,120 per year
  • Subaru Legacy (midsize car) at $1,428 per year
  • Honda Passport (midsize SUV) at $1,182 per year
  • Toyota Avalon (full-size car) at $1,548 per year
  • Chevrolet Tahoe (large SUV) at $1,478 per year
  • Chevrolet Colorado (midsize pickup) at $1,212 per year
  • Ford F150 (full-size pickup) at $1,424 per year
  • Honda Odyssey (minivan) at $1,372 per year
  • Mazda MX-5 Miata (sports car) at $1,276 per year
  • Mercedes-Benz A220 (compact luxury car) at $1,446 per year
  • Acura RDX (compact luxury SUV) at $1,262 per year
  • Acura ILX (midsize luxury car) at $1,356 per year
  • Cadillac XT5 (midsize luxury SUV) at $1,448 per year
  • Audi A5 (full-size luxury car) at $1,730 per year
  • Volvo XC90 (full-size luxury SUV) at $1,594 per year

The table below shows the cheapest car insurance rates in Georgia selected from all 2022 models.

Top 100 Cheapest Car Insurance Rates in Georgia
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,120$93
2Nissan Kicks$1,148$96
3Chevrolet Trailblazer$1,154$96
4Honda Passport$1,182$99
5Subaru Crosstrek$1,182$99
6Toyota C-HR$1,210$101
7Chevrolet Colorado$1,212$101
8Buick Encore$1,218$102
9Nissan Rogue Sport$1,228$102
10Buick Envision$1,252$104
11Hyundai Venue$1,252$104
12Kia Seltos$1,256$105
13Acura RDX$1,262$105
14Ford Maverick$1,262$105
15Subaru Ascent$1,264$105
16Toyota Corolla Cross$1,264$105
17Hyundai Kona$1,272$106
18Subaru Forester$1,274$106
19Mazda MX-5 Miata$1,276$106
20Subaru Impreza$1,276$106
21Volkswagen Tiguan$1,278$107
22Chevrolet Spark$1,284$107
23Honda CR-V$1,290$108
24Cadillac XT4$1,296$108
25Mazda CX-30$1,300$108
26Ford Ranger$1,308$109
27Honda HR-V$1,324$110
28Ford Edge$1,328$111
29Ford Ecosport$1,336$111
30Chevrolet Trax$1,350$113
31Subaru Outback$1,352$113
32Acura ILX$1,356$113
33GMC Terrain$1,356$113
34Mitsubishi Eclipse Cross$1,358$113
35Toyota Tacoma$1,366$114
36Nissan Murano$1,368$114
37Hyundai Tucson$1,370$114
38Chevrolet Bolt$1,372$114
39Honda Odyssey$1,372$114
40Toyota Venza$1,374$115
41Chevrolet Equinox$1,376$115
42Ford Explorer$1,382$115
43Volkswagen Taos$1,382$115
44Fiat 500X$1,388$116
45Toyota RAV4$1,390$116
46Kia Sorento$1,394$116
47Kia Soul$1,394$116
48Nissan Frontier$1,406$117
49Hyundai Palisade$1,414$118
50Hyundai Santa Cruz$1,416$118
51Volkswagen Golf$1,416$118
52GMC Canyon$1,418$118
53Volvo XC40$1,418$118
54Mazda MX-30$1,420$118
55Ford F150$1,424$119
56Volkswagen Atlas$1,424$119
57Jeep Compass$1,426$119
58Subaru Legacy$1,428$119
59Honda Insight$1,432$119
60Kia Niro$1,432$119
61Volkswagen Jetta$1,432$119
62Honda Ridgeline$1,434$120
63Nissan Sentra$1,436$120
64Toyota 4Runner$1,436$120
65Nissan Rogue$1,442$120
66Mercedes-Benz A220$1,446$121
67Cadillac XT5$1,448$121
68Ford Escape$1,448$121
69Jeep Gladiator$1,448$121
70Kia K5$1,448$121
71Toyota Camry$1,448$121
72Toyota Corolla$1,448$121
73Kia Rio$1,452$121
74Volkswagen Passat$1,454$121
75Honda Civic$1,458$122
76Hyundai Ioniq 5$1,460$122
77Lexus NX 250$1,464$122
78BMW X1$1,466$122
79Jeep Renegade$1,466$122
80Mazda 3$1,466$122
81Mini Cooper Clubman$1,466$122
82Mazda 6$1,468$122
83Toyota Prius$1,470$123
84Kia Sportage$1,474$123
85Lexus NX 350h$1,474$123
86Volkswagen Atlas Cross Sport$1,474$123
87Chevrolet Tahoe$1,478$123
88Chrysler Pacifica$1,478$123
89Lexus UX 250h$1,478$123
90Mazda CX-9$1,478$123
91Ford Bronco$1,480$123
92Toyota Highlander$1,480$123
93GMC Acadia$1,482$124
94Hyundai Accent$1,490$124
95Nissan Pathfinder$1,490$124
96Honda Pilot$1,494$125
97Mitsubishi Outlander Sport$1,496$125
98Lexus NX 350$1,500$125
99GMC Sierra$1,502$125
100Volkswagen ID4$1,502$125

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Georgia.Data last updated on September 13, 2022
    Top 100 Cheapest Car Insurance Rates in Georgia

    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.