What is the Average Cost of Auto Insurance in Georgia?

Auto insurance is typically inexpensive in Georgia. The average car insurance cost in Georgia is $1,388 per year — less than the nationwide average by 2.8%.

But car insurance premiums are affected by factors other than state lines. Auto insurance premiums take into account myriad considerations, such as one's age, credit rating, driving history, gender, and marital status.

We assessed typical Georgia car insurance rates by all of the major rating components. See below how much car insurance costs in each U.S. state — or enter your ZIP code to receive personalized quotes from top car insurance companies.

Average Georgia car insurance costs by:

1. Age
2. Gender
3. Marital status
4. Credit score
5. Driving violations
6. Coverage level

 

Average car insurance costs in Georgia by age

It’s a fact of life: as you age, your auto insurance rates change. Generally speaking, auto insurance is pricier for young drivers, as auto insurance companies see inexperienced motorists as riskier to insure.

In Georgia, auto insurance runs $6,277 each year for a 16-year-old driver, but just $1,184 annually for a driver aged between 50 and 59.

GEORGIA AUTO INSURANCE COSTS BY AGE BRACKET

Age	Average Yearly Premium
16	$6,276.89
17	$5,250.77
18	$4,625.53
19	$3,443.10
20s	$1,902.64
30s	$1,348.66
40s	$1,283.33
50s	$1,184.47
60s	$1,226.11
70s	$1,531.37

If you're facing the prospect of getting a teen driver insured, it's worth noting Georgia is the 24th cheapest state in which to buy auto insurance for a 16-year-old.

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Average car insurance costs in Georgia by gender

While gender doesn’t have as sizable an effect on car insurance costs as location or age, it is used as a rating factor by insurers.

 

GEORGIA AUTO INSURANCE RATES BY GENDER

Gender	Average Yearly Cost
Male	$1,369.06
Female	$1,324.70

If you think you aren't getting the best possible value for your money with your current auto insurer, the best thing to do is to compare insurance companies.

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Average car insurance rates in Georgia by marital status

One benefit of marriage — in addition to the honeymoon — is the price cut you typically receive on your car insurance policy. In Georgia, married motorists save $117 annually on car insurance policies. This is a better deal than the US savings of $76.

GEORGIA CAR INSURANCE PRICES BY MARITAL STATUS

Marital Status	Average Annual Rate
Single	$1,369.06
Married	$1,251.96
Divorced	$1,369.06
Widowed	$1,316.31

Car insurance for divorced drivers in Georgia is the 22nd most expensive in the country. If you're overpaying for your car insurance policy, don't hesitate to compare rates.

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Average insurance rates in Georgia by credit score

Car insurance companies use credit to determine the reliability of a prospective customer. Data show drivers who maintain good credit are more dependable car insurance clients: they less frequently file claims for which insurance companies pay.

In Georgia, a motorist boasting exceptional credit saves $1,231 annually on car insurance, compared with a driver with a less-favorable credit score. Read more about how credit history impacts auto insurance prices:

GEORGIA CAR INSURANCE PRICES BY CREDIT

Credit Tier	Average Annual Rate
Very Poor (300-579)	$2,457.00
Fair (580-669)	$2,029.18
Good (670-739)	$1,702.95
Very Good (740-799)	$1,419.74
Exceptional (800-850)	$1,225.29

Getting cheap auto insurance if you're saddled with a bad credit history can be difficult. But we're here to assist. Review our guide to finding auto insurance with poor credit and learn how to save!

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Average auto insurance costs for high-risk motorists in Georgia

If you’re determined to be at fault for an accident or found guilty of a driving violation, your car insurance rates are going to climb. The more violations you amass, the more costly your car insurance policy gets.

In Georgia, your first minor at-fault crash will lead to an extra $813 each year in auto insurance premiums. A DUI or DWI — thought of as one of the most serious driving offenses — can boost your annual insurance expenditure in Georgia by an average of $713.

GEORGIA AUTO INSURANCE PREMIUMS AFTER INFRACTIONS

Age	Average Annual Rate
DUI or DWI	$2,101.10
Reckless Driving	$2,214.68
At-Fault Accident (<$1,000)	$2,200.87
At-Fault Accident ($1,000-$2,000)	$2,242.32
At-Fault Accident (>$2,000)	$2,200.87
Open Container	$1,780.76
Speeding (21-25 MPH > limit)	$1,680.95
Speeding (16-20 MPH > limit)	$1,680.95

If you're in need of affordable auto insurance, it's worth shopping for policies to find affordable coverage that suits your needs.

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Average car insurance prices by coverage in Georgia

The amount you pay every month for auto insurance is dependent on how much coverage you elect to carry. Liability-only coverage normally is less expensive, while low-deductible comprehensive coverage costs more. In Georgia, the price gap between liability-only coverage and comprehensive coverage with a $500 deductible is $694 per year.

GEORGIA CAR INSURANCE RATES BY COVERAGE LEVEL

Coverage Level	Average Yearly Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only	$718
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision	$1,274
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision	$1,413
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only	$626
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision	$1,182
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision	$1,321
State Minimum — Liability Only	$548
State Minimum — $1,000 Comprehensive/Collision	$1,103
State Minimum — $500 Comprehensive/Collision	$1,242

If your car insurance premiums cost more than average, consider policy shopping to discover inexpensive coverage that fits your needs.