Average Cost of Car Insurance in Georgia (2022 Rates) | Bankrate

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How much does car insurance cost in Georgia?

The average amount drivers pay for cable car insurance varies from state of matter to express. In Georgia, the median annual sum drivers are paying is $ 756 for minimal coverage and $ 1,982 for full coverage, which is more than the national average. presently, the U.S. average is $ 565 per year for minimum coverage and $ 1,674 per year for full coverage. however, keep in thinker that what you pay for car policy is determined by a variety of factors ( meaning you may pay more or less than the numbers above ). When calculating car premiums, car insurers consider these rat factors :

  • Age (except Hawaii)
  • Sex (in most states)
  • Location
  • Type of vehicle
  • Driving history
  • Where you live
  • Marital status
  • Credit history (in most states)
  • Deductible amount
  • Discounts
  • Type of coverage

Georgia car insurance rates

Average annual minimum coverage premium Average annual full coverage premium
$756 $1,982

Georgia car insurance rates by city

The median cable car indemnity rates in Georgia deviate by city. This is because more populate areas broadly have more accidents.

In the table below, you ’ ll find the average rate for each city and the percentage increase from an average full moon coverage premium of $ 1,982 per class .

City Average annual premium for full coverage % increase in average annual premium
Atlanta $2,325 17%
Marietta $2,078 5%
Lawrenceville $2,161 9%
Augusta $1,908 -4%
Columbus $1,996 1%
Savannah $2,013 2%
Macon $2,101 6%
Cumming $1,961 -1%
Gainesville $1,911 -4%
Athens $1,839 -7%
Douglasville $2,169 9%
Norcross $2,121 7%

Georgia car insurance rates by company

How much is cable car insurance in Georgia ? That depends on which company you are insured with.
The following mesa illustrates the monetary value differences between most of the major insurers available in Georgia. As you will see, it can be worth your time and feat to shop around for cheaper car indemnity. Never assume you will pay the lapp bounty amount from one company to the future. And while the best car insurance international relations and security network ’ deoxythymidine monophosphate constantly the cheapest car insurance ( and frailty versa ), the good news is that you have plenty of options for the best cable car policy companies in Georgia .

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
ACCC Insurance $659 $1,945
Alfa $859 $2,450
Allstate $706 $1,718
Auto-Owners $532 $1,494
Country Financial $614 $2,183
Donegal $963 $2,153
Geico $508 $1,711
Mercury $760 $1,915
MetLife $887 $1,788
Nationwide $585 $1,202
Progressive $708 $1,800
Safeway $945 $2,372
Southern General Agency $3,354 $6,717
State Farm $486 $1,375
USAA $581 $1,506

Georgia car insurance rates by age

modal car indemnity rates in Georgia are heavily influenced by a driver ’ south senesce ( as they are in most states ). This is because younger drivers are statistically more probable to get into an accident due to a miss of driving know. Assuming they do not have any major traffic offenses, their rates should decrease as they get older. *16-year-old and 17-year-old calculated on rear ’ sulfur policy .

Georgia car insurance rates by gender

Most states use sex as a denounce gene to determine your car policy premium ( California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania do not use gender as a rate factor ). nationally, men average higher premiums than women, since indemnity companies typically perceive men riskier behind the bicycle. however, in Georgia, men actually pay slightly lower average premiums than women across the board .

Average annual full coverage premium
Male drivers $1,964
Female drivers $2,000

Georgia car insurance by credit score

When considering the monetary value of insurance, you may wonder how your credit grade impacts your car policy rates. In states except California, Hawaii, Massachusetts, Michigan and Washington, car policy companies may use your insurance-based credit score to determine how likely you are to file a claim. Policyholders with a poorer credit may have a higher risk of getting in an accident and filing a claim. due to this added gamble, car policy companies typically charge those with lower insurance-based credit scores higher premiums. The following table outlines average car insurance rates by credit rating score. Average annual full coverage rate by credit score

Poor Average Good Excellent
National average $3,873 $1,865 $1,674 $1,487
Georgia $3,143 $2,200 $1,982 $1,859

Georgia car insurance rates by driving record

Past driving offenses can greatly increase cable car policy rates in Georgia. here is what you can expect to pay for car indemnity after a drive incidental .

Driving incident Average annual full coverage premium in Georgia % increase in average annual full coverage premium
Speeding ticket $2,446 23%
Accident $2,949 49%
DUI $3,691 86%

Georgia car insurance rates by vehicle type

One early aspect to consider when denounce for an car insurance company is how your vehicle ’ s make and model affects your car insurance rates. car policy rates vary by vehicle make and model since different types of cars have unlike crash statistics, price of parts, price of department of labor and condom features. Cars that cost more to repair, such as foreign vehicles with spell parts, will generally come with higher car indemnity premiums. If a car has higher crash statistics, an insurance ship’s company may find you more likely to be involved in a car accident and may increase your rates. meanwhile, if your car comes equipped with sealed condom features, your car insurance provider may lower your rates. here are a few examples to help you estimate your car insurance rates by hold and exemplar, or compare how rates vary by type .

Frequently asked questions

What is the average cost of minimum coverage in Georgia?

At $ 756 per year, on average, minimal coverage car indemnity in Georgia is significantly cheaper than full coverage car policy. Despite minimal coverage being the cheapest car insurance in Georgia, most indemnity experts recommend that you purchase fully coverage car insurance to make sure you have sufficient fiscal protection in the event of an accident. however, if you choose to purchase minimal coverage car insurance, note that Georgia requires minimum car indebtedness limits of 25/50/25 .

Is uninsured motorist coverage required in Georgia?

No, it is not. however, it could be a good coverage to have since Georgia has a 12.4 % uninsured motorist rate. If you were to get into an accident with an uninsured motorist, you could be stuck paying your own bills .

What is the best car insurance in Georgia?

The best car insurance companies in Georgia are different for everyone based on individual circumstances. insurance companies use specific fink factors to calculate policy premiums, such as your age, the make and model of your vehicle, your recognition history and driving history .

How do I find the cheapest car insurance in Georgia?

Each ship’s company prices car insurance differently, so shopping around to compare car indemnity quotes from Georgia ’ s top providers may help you find the lowest coverage for your situation .

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive commemorate, full credit rating and the follow wide coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state ’ sulfur requirements. Our basis profile drivers own a 2019 Toyota Camry, permute five days a week and campaign 12,000 miles per annum. To determine alternate rates, our root profile has been adjusted for the adopt scenarios :

  • Driving history: rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, and single DUI conviction.
  • Age: rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to a 40-year-old married couple’s policy. The rates displayed reflect the added cost to the parents’ policy.
  • Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.
  • Credit-Based Insurance Scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Five states prohibit the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts, Michigan and Washington.

These are sample distribution rates and should lone be used for comparative purposes .

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