Georgia Car Insurance Cost for 2023

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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Georgia car insurance rates illustration
  • 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.

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Chart Data Details: Chart shows average Georgia car insurance rates for 2023 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 August 12, 2023
Average Car Insurance Cost in Georgia
Average Car Insurance Cost in Georgia
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,100$258
$500$3,660$305
$250$4,254$355
30$1,000$1,626$136
$500$1,940$162
$250$2,266$189
40$1,000$1,552$129
$500$1,840$153
$250$2,140$178
50$1,000$1,416$118
$500$1,676$140
$250$1,946$162
60$1,000$1,392$116
$500$1,646$137
$250$1,912$159

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.

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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$1,142-$698
Virginia$1,210-$630
South Carolina$1,518-$322
West Virginia$1,612-$228
Alabama$1,628-$212
Tennessee$1,718-$122
Mississippi$1,760-$80
Georgia$1,840--
Arkansas$1,886$46
Kentucky$1,928$88
Louisiana$2,134$294
Florida$2,226$386

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.

Top 100 Cheapest Car Insurance Rates in Georgia
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,394$116
2Subaru Crosstrek$1,404$117
3Nissan Kicks$1,412$118
4Honda Passport$1,430$119
5Nissan Rogue Sport$1,438$120
6Mazda CX-5$1,446$121
7Buick Encore$1,468$122
8Buick Envision$1,468$122
9Kia Seltos$1,492$124
10Subaru Ascent$1,496$125
11Hyundai Venue$1,502$125
12Subaru Impreza$1,522$127
13Ford Maverick$1,530$128
14Honda HR-V$1,530$128
15Chevrolet Colorado$1,532$128
16Acura RDX$1,534$128
17Hyundai Kona$1,544$129
18Subaru Forester$1,552$129
19Ford Edge$1,558$130
20Honda CR-V$1,562$130
21Mazda CX-30$1,564$130
22Ford Explorer$1,568$131
23Volkswagen Atlas$1,570$131
24Chevrolet Trax$1,582$132
25Nissan Murano$1,582$132
26Subaru Outback$1,582$132
27Nissan Frontier$1,588$132
28Volkswagen Tiguan$1,598$133
29Ford Bronco Sport$1,604$134
30Fiat 500X$1,632$136
31Ford Ranger$1,636$136
32GMC Terrain$1,638$137
33Kia Soul$1,638$137
34Mitsubishi Eclipse Cross$1,644$137
35Volkswagen Atlas Cross Sport$1,644$137
36Lexus RX 350$1,646$137
37Acura Integra$1,654$138
38Chevrolet Equinox$1,656$138
39Cadillac XT4$1,662$139
40Toyota Corolla Cross$1,662$139
41Volkswagen Taos$1,668$139
42GMC Canyon$1,672$139
43Toyota Venza$1,678$140
44Mazda CX-50$1,680$140
45Volkswagen Jetta$1,682$140
46Honda Odyssey$1,684$140
47Toyota Tacoma$1,684$140
48Hyundai Tucson$1,686$141
49Ford Escape$1,688$141
50Kia Sorento$1,688$141
51Volvo XC40$1,692$141
52Nissan Rogue$1,696$141
53Subaru Legacy$1,696$141
54Mazda MX-5 Miata$1,702$142
55Infiniti QX50$1,704$142
56Hyundai Palisade$1,706$142
57Toyota RAV4$1,706$142
58Nissan Sentra$1,708$142
59Kia Niro$1,710$143
60Mazda MX-30$1,710$143
61Hyundai Santa Cruz$1,712$143
62Mini Cooper$1,716$143
63Lexus UX 250h$1,722$144
64Chevrolet Tahoe$1,726$144
65Jeep Compass$1,726$144
66Toyota 4Runner$1,726$144
67Toyota Corolla$1,730$144
68Volkswagen Golf$1,734$145
69Toyota Prius$1,736$145
70Cadillac XT5$1,750$146
71Mini Cooper Clubman$1,750$146
72Toyota Camry$1,750$146
73GMC Acadia$1,756$146
74Chevrolet Traverse$1,758$147
75Mazda 3$1,766$147
76Honda Pilot$1,772$148
77Jeep Renegade$1,774$148
78Kia K5$1,776$148
79Buick Enclave$1,778$148
80Chevrolet Bolt$1,784$149
81Mercedes-Benz GLA250$1,786$149
82Cadillac XT6$1,790$149
83Nissan Pathfinder$1,790$149
84Toyota bz4X$1,790$149
85Chevrolet Malibu$1,792$149
86Mercedes-Benz GLB 250$1,792$149
87Mazda CX-9$1,794$150
88Chrysler 300$1,798$150
89Chrysler Pacifica$1,802$150
90Honda Civic$1,802$150
91Kia Forte$1,806$151
92Mitsubishi Mirage G4$1,814$151
93Lexus NX 250$1,816$151
94Mitsubishi Outlander Sport$1,822$152
95Nissan Titan$1,822$152
96Chevrolet Suburban$1,826$152
97Acura MDX$1,830$153
98Honda Ridgeline$1,830$153
99Kia Telluride$1,830$153
100Lexus NX 350h$1,836$153

    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 August 12, 2023
    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.