- Average car insurance cost in the state of Georgia is $1,802 per year, or about $150 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 $1,802 per year, which is 6.9% more than the national average car insurance rate of $1,685.
On a monthly basis, car insurance in Georgia averages $150 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 $115. In comparison, the average monthly cost to insure a Mercedes-Benz G550 in Georgia averages $253, a difference of $138 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 $1,364 per year for a 60-year-old driver with $1,000 deductibles to $4,168 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 $114 to $347.
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 $4,540 per year for a 19-year-old female driver up to $6,456 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 21.8% more expensive than South Carolina, 63.8% higher than North Carolina, 7.4% more than Tennessee, 13.6% more than Alabama, and 17.9% cheaper than Florida.
When average rates are compared to states outside the southeast region, Georgia car insurance costs 10% more than Texas, 15.6% less than California, 9.3% more expensive than Oregon, 25.4% cheaper than Michigan, and 11.8% less than New York.
As an example using annual policy costs, average car insurance on a 2023 Toyota Camry in Georgia costs $1,710 per year. This average rate is:
- $304 per year more expensive than insurance on the same Camry in South Carolina ($1,406)
- $662 per year more expensive than in North Carolina ($1,048)
- $114 per year more expensive than in Tennessee ($1,596)
- $202 per year more expensive than in Alabama ($1,508)
- $380 per year cheaper than in Florida ($2,090)
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 $1,362 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 $1,470 or less per year in Georgia.
Models that have the cheapest car insurance rates in their respective segments are:
- Subaru Impreza (compact car) at $1,490 per year
- Chevrolet Trailblazer (compact SUV) at $1,362 per year
- Subaru Legacy (midsize car) at $1,660 per year
- Honda Passport (midsize SUV) at $1,402 per year
- Chrysler 300 (full-size car) at $1,758 per year
- Chevrolet Tahoe (large SUV) at $1,688 per year
- Ford Maverick (midsize pickup) at $1,496 per year
- Nissan Titan (full-size pickup) at $1,782 per year
- Honda Odyssey (minivan) at $1,648 per year
- Mazda MX-5 Miata (sports car) at $1,664 per year
- Acura Integra (compact luxury car) at $1,618 per year
- Acura RDX (compact luxury SUV) at $1,504 per year
- Cadillac CT5 (midsize luxury car) at $1,938 per year
- Lexus RX 350 (midsize luxury SUV) at $1,614 per year
- Audi A5 (full-size luxury car) at $2,024 per year
- Volvo XC90 (full-size luxury SUV) at $1,860 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 - $2,046 per year or $171 per month
- Augusta Car Insurance - $1,636 per year or $136 per month
- Columbus Car Insurance - $1,760 per year or $147 per month
- Savannah Car Insurance - $1,832 per year or $153 per month
- Athens Car Insurance - $1,652 per year or $138 per month
- Sandy Springs Car Insurance - $1,918 per year or $160 per month
- Roswell Car Insurance - $1,926 per year or $161 per month
- Albany Car Insurance - $1,620 per year or $135 per month