Car Insurance in Georgia
Georgia drivers spend an average of $1,555 a year on auto insurance according to the NAIC — ▲ +21% versus the national average of $1,282, ranking 6th most expensive of 51. The state requires 25/50/25 liability coverage and follows an at-fault system.
Average car insurance cost in Georgia
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $1,046 for liability, $473 for collision and $227 for comprehensive ($1,746 combined, versus $1,439 nationally). That average expenditure is 16% higher than the NAIC's previous data year ($1,345).
Minimum car insurance requirements in Georgia
Georgia's minimum is written as 25/50/25: $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $1,265 a year here, $395 more than the minimum.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Georgia does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is optional and can be purchased to protect against uninsured or hit-and-run drivers. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is available through optional uninsured motorist coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Compare with another state
Is Georgia a no-fault state?
No — Georgia is an at-fault (tort) state. Georgia is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.
Uninsured drivers in Georgia
The Insurance Research Council estimates 19.0% of Georgia drivers are uninsured — 11th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 5 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Uninsured motorist coverage is optional and can be purchased to protect against uninsured or hit-and-run drivers), but with an above-average uninsured rate it is worth pricing.
SR-22 requirements in Georgia
Georgia uses the SR-22A — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. Georgia uses the SR-22A certificate (prepaid policy); drivers convicted of repeat no-insurance offenses must keep it for three years.
By our model, a driver in their 30s with a DUI would pay about $1,640 a year for minimum coverage in Georgia, versus $870 with a clean record. What is SR-22 insurance?
Estimate your premium in Georgia
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Car insurance by city in Georgia
We cover 18 Georgia cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Valdosta ($1,880) and the highest in Lawrenceville ($2,255).
- AtlantaPop. 520,070 · Fulton County$2,205+12% vs state
- ColumbusPop. 201,830 · Muscogee County$1,930−2% vs state
- AugustaPop. 201,737 · Richmond County$1,905−3% vs state
- MaconPop. 157,056 · Bibb County$1,915−3% vs state
- SavannahPop. 148,808 · Chatham County$1,9700% vs state
- AthensPop. 128,691 · Clarke County$1,940−1% vs state
- South FultonPop. 112,003 · Fulton County$2,185+11% vs state
- Sandy SpringsPop. 105,505 · Fulton County$2,155+10% vs state
- RoswellPop. 92,227 · Fulton County$2,150+9% vs state
- AlpharettaPop. 67,275 · Fulton County$2,150+9% vs state
- AlbanyPop. 66,705 · Dougherty County$1,935−2% vs state
- MariettaPop. 63,122 · Cobb County$2,180+11% vs state
- ValdostaPop. 55,667 · Lowndes County$1,880−4% vs state
- GainesvillePop. 47,712 · Hall County$2,035+4% vs state
- LaGrangePop. 33,564 · Troup County$1,930−2% vs state
- LawrencevillePop. 31,877 · Gwinnett County$2,255+15% vs state
- CartersvillePop. 25,082 · Bartow County$2,010+2% vs state
- TiftonPop. 17,385 · Tift County$1,930−2% vs state
Estimated cost by driver profile in Georgia
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.7× what a driver in their 30s pays for the same full coverage in Georgia.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,400 | $3,475 | $5,400 | $450 |
| Young adult (22) | $1,395 | $2,025 | $3,145 | $262 |
| Adult in their 30s | $870 | $1,265 | $1,965 | $164 |
| Adult in their 50s | $800 | $1,165 | $1,805 | $150 |
| Senior (72) | $975 | $1,415 | $2,200 | $183 |
| 30s, one at-fault accident | $1,265 | $1,835 | $2,850 | $238 |
| 30s, DUI on record | $1,615 | $2,340 | $3,635 | $303 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $870 | $73 | $715–$1,030 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,265 | $105 | $1,035–$1,490 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,965 | $164 | $1,610–$2,320 |
Cheapest and most expensive cars to insure in Georgia
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,605 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| GMC Acadia | Midsize SUV | $1,235 |
| Chevrolet Traverse | Midsize SUV | $1,315 |
| Subaru Forester | Small SUV | $1,430 |
| Subaru Crosstrek | Small SUV | $1,460 |
| Honda Pilot | Midsize SUV | $1,460 |
| Subaru Outback | Wagon | $1,465 |
| Honda CR-V | Small SUV | $1,500 |
| MINI Cooper | Subcompact car | $1,505 |
| Toyota Land Cruiser | Large SUV | $1,525 |
| Acura RDX | Luxury SUV | $1,540 |
| Model | Segment | Est. / year |
|---|---|---|
| BMW M4 | Luxury sports car | $4,840 |
| BMW M3 | Luxury car | $4,695 |
| Lamborghini Urus | Luxury SUV | $4,370 |
| BMW 7 Series | Luxury car | $4,225 |
| Mercedes-Benz S-Class | Luxury car | $3,445 |
| Lucid Air | Luxury car | $3,250 |
| Audi RS 7 | Luxury car | $2,880 |
| Mercedes-Benz G-Class | Luxury SUV | $2,865 |
| Alfa Romeo Giulia | Luxury car | $2,785 |
| Lexus LS | Luxury car | $2,720 |
Cheap car insurance in Georgia: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $100 a year on a typical Georgia full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,650 to $1,265.
- Drive less, pay less. Low-mileage and usage-based programs can save around $140 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $430 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: Georgia Office of Insurance and Safety Fire Commissioner
The Georgia Office of Insurance and Safety Fire Commissioner licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- oci.georgia.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-800-656-2298
Georgia vs. neighboring states
| State | NAIC avg. | Minimums | System | Uninsured |
|---|---|---|---|---|
| Georgia | $1,555 | 25/50/25 | At-fault (tort) | 19.0% |
| Alabama | $1,081 | 25/50/25 | At-fault (tort) | 16.8% |
| Florida | $1,865 | PIP 10,000 / PDL 10,000 | No-fault | 20.6% |
| North Carolina | $925 | 50/100/50 | At-fault (tort) | 11.8% |
| South Carolina | $1,367 | 25/50/25 | At-fault (tort) | 10.3% |
| Tennessee | $1,050 | 25/50/25 | At-fault (tort) | 21.3% |
Frequently asked questions
How much is car insurance in Georgia?
NAIC data puts the average Georgia auto insurance expenditure at $1,555 a year, 21% more than the national average of $1,282 (rank 6 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,965 a year ($164 a month); state-minimum liability is about $870.
What is the minimum car insurance required in Georgia?
Georgia requires at least 25/50/25 liability coverage: $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage.
Is Georgia a no-fault state?
No. Georgia is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage.
How many drivers in Georgia are uninsured?
The Insurance Research Council estimates that about 19.0% of Georgia drivers are uninsured, ranking 11th in the nation (national estimate: 15.4%).
Does Georgia require SR-22 insurance?
Yes, Georgia uses the SR-22A certificate for drivers who must prove financial responsibility, typically for about 3 years. Georgia uses the SR-22A certificate (prepaid policy); drivers convicted of repeat no-insurance offenses must keep it for three years.
Which Georgia city has the cheapest car insurance?
Among the 18 cities we cover, Valdosta has the lowest full-coverage estimate at about $1,880 a year, while Lawrenceville is the highest at about $2,255. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in Georgia?
An 18-year-old on their own full-coverage policy would pay roughly $5,400 a year in Georgia by our estimate, or about $2,400 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in Georgia?
Contact the Georgia Office of Insurance and Safety Fire Commissioner (consumer line 1-800-656-2298). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Georgia OCI: Consumer Guide for Automobile Insurance
- Georgia OCI: Auto insurance resources
- Georgia DDS: No Proof of Insurance (multiple) FAQ - SR-22A
- Georgia OCI: File a Consumer Insurance Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index