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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  • 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.

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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 December 30, 2022
Average Car Insurance Cost in Georgia
Average Car Insurance Cost in Georgia
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,038$253
$500$3,588$299
$250$4,168$347
30$1,000$1,592$133
$500$1,900$158
$250$2,220$185
40$1,000$1,522$127
$500$1,802$150
$250$2,096$175
50$1,000$1,388$116
$500$1,642$137
$250$1,906$159
60$1,000$1,364$114
$500$1,612$134
$250$1,872$156

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.

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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$1,100-$702
Virginia$1,174-$628
South Carolina$1,480-$322
West Virginia$1,572-$230
Alabama$1,586-$216
Tennessee$1,678-$124
Mississippi$1,722-$80
Georgia$1,802--
Arkansas$1,846$44
Kentucky$1,888$86
Louisiana$2,100$298
Florida$2,196$394

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.

Top 100 Cheapest Car Insurance Rates in Georgia
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,362$114
2Subaru Crosstrek$1,374$115
3Nissan Kicks$1,382$115
4Honda Passport$1,402$117
5Nissan Rogue Sport$1,406$117
6Mazda CX-5$1,416$118
7Buick Encore$1,436$120
8Buick Envision$1,440$120
9Kia Seltos$1,460$122
10Subaru Ascent$1,466$122
11Hyundai Venue$1,470$123
12Subaru Impreza$1,490$124
13Ford Maverick$1,496$125
14Honda HR-V$1,498$125
15Chevrolet Colorado$1,500$125
16Acura RDX$1,504$125
17Hyundai Kona$1,512$126
18Subaru Forester$1,520$127
19Ford Edge$1,526$127
20Honda CR-V$1,528$127
21Mazda CX-30$1,532$128
22Ford Explorer$1,536$128
23Volkswagen Atlas$1,538$128
24Chevrolet Trax$1,548$129
25Nissan Murano$1,548$129
26Subaru Outback$1,550$129
27Nissan Frontier$1,556$130
28Volkswagen Tiguan$1,564$130
29Ford Bronco Sport$1,570$131
30Fiat 500X$1,598$133
31Ford Ranger$1,600$133
32GMC Terrain$1,602$134
33Kia Soul$1,604$134
34Mitsubishi Eclipse Cross$1,606$134
35Volkswagen Atlas Cross Sport$1,608$134
36Lexus RX 350$1,614$135
37Acura Integra$1,618$135
38Chevrolet Equinox$1,622$135
39Cadillac XT4$1,626$136
40Toyota Corolla Cross$1,626$136
41Volkswagen Taos$1,634$136
42GMC Canyon$1,636$136
43Toyota Venza$1,642$137
44Mazda CX-50$1,644$137
45Toyota Tacoma$1,646$137
46Volkswagen Jetta$1,646$137
47Honda Odyssey$1,648$137
48Hyundai Tucson$1,648$137
49Ford Escape$1,652$138
50Kia Sorento$1,652$138
51Nissan Rogue$1,656$138
52Volvo XC40$1,658$138
53Subaru Legacy$1,660$138
54Mazda MX-5 Miata$1,664$139
55Infiniti QX50$1,668$139
56Toyota RAV4$1,668$139
57Mazda MX-30$1,670$139
58Hyundai Palisade$1,672$139
59Nissan Sentra$1,672$139
60Hyundai Santa Cruz$1,674$140
61Kia Niro$1,674$140
62Mini Cooper$1,682$140
63Lexus UX 250h$1,686$141
64Chevrolet Tahoe$1,688$141
65Toyota 4Runner$1,688$141
66Jeep Compass$1,690$141
67Toyota Corolla$1,690$141
68Volkswagen Golf$1,696$141
69Toyota Prius$1,700$142
70Toyota Camry$1,710$143
71Cadillac XT5$1,712$143
72Mini Cooper Clubman$1,712$143
73GMC Acadia$1,718$143
74Chevrolet Traverse$1,722$144
75Mazda 3$1,728$144
76Honda Pilot$1,734$145
77Buick Enclave$1,738$145
78Jeep Renegade$1,738$145
79Kia K5$1,738$145
80Chevrolet Bolt$1,746$146
81Mercedes-Benz GLA250$1,748$146
82Nissan Pathfinder$1,750$146
83Toyota bz4X$1,750$146
84Cadillac XT6$1,754$146
85Mazda CX-9$1,754$146
86Mercedes-Benz GLB 250$1,754$146
87Chevrolet Malibu$1,756$146
88Chrysler 300$1,758$147
89Chrysler Pacifica$1,764$147
90Honda Civic$1,766$147
91Kia Forte$1,768$147
92Lexus NX 250$1,778$148
93Mitsubishi Mirage G4$1,778$148
94Mitsubishi Outlander Sport$1,782$149
95Nissan Titan$1,782$149
96Chevrolet Suburban$1,786$149
97Honda Ridgeline$1,788$149
98Kia Telluride$1,790$149
99Acura MDX$1,792$149
100Lexus NX 350h$1,798$150

    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 December 29, 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.