The average cost of full coverage car insurance in Georgia is $1,982, higher than the national average by $244. Drivers will pay an average of $756 per year for the state-required minimum liability car insurance, which is much higher than the U.S. national average of $480.
Why is car insurance so high in Georgia? There are several factors, including that insurance companies can raise rates in this state on certain coverage types without the approval of the state insurance commissioner. Although all states set the basic rates insurance companies can charge, your premium will reflect that approved base rate plus all the fees and coverage your insurance company adds on – which is why it makes sense to shop around and compare car insurance quotes.
The amount of insurance you pay depends on several factors, including age, gender, claims history, credit score, location and more.
Another reason auto insurance costs so much in Georgia is that the number of accidents is high, repairs are more expensive, there are many uninsured drivers on Georgia roads and the state has been experiencing more severe weather events.
With this in mind, remember that the cheapest car insurance in Georgia is basic liability auto insurance – but it won’t give you as much financial protection as a more robust policy.
What Is the Average Premium in Georgia for Cheap Full Coverage Car Insurance in GA?
Georgia drivers pay an average premium of $165 per month for full coverage insurance. Full coverage is the best protection you can buy to safeguard your family and property, but premiums will be based on a variety of factors, including age, gender, driving history and a host of other items insurance companies consider.
Full coverage car insurance is generally divided into two parts – liability and comprehensive/collision coverage. Liability coverage pays for other people’s injuries and property damage in accidents where you are determined to be at fault. Comprehensive car insurance covers non-collision-related events out of your control (e.g., theft and extreme weather), and collision auto insurance coverage pays for your vehicle’s damage.
Increasing liability limits and reducing deductibles (e.g., to $1000 from $500) will see higher premiums. Obtaining higher coverage limits and/ or lowering deductibles passes more of the buck to the insurer. For less than an additional $50 a month, you can end up saving thousands of dollars in the event of an accident.
How Much is it for Cheap Liability Insurance or Minimum Required Car Insurance in GA?
Georgia drivers will pay an average of $63 per month for basic liability, which includes bodily injury/death coverage and property damage insurance.
This insurance only covers damages to other drivers if you are found to be at fault in an accident. It will not pay for your damages or anything above your policy limits to the other drivers. You may be left owing money out of pocket. This is why some drivers choose to increase their liability coverage or add other types of car insurance.
Car insurance rates in Georgia depend on many factors, including things you cannot control like your age and gender, and things you can control like your driving history, where in Georgia you live and more.
How Do Rates Compare Across Major Cities in Georgia?
In Georgia, rates vary from city to city. Expect higher overall premiums if you live in neighborhoods with a greater number of car theft and vandalism incidents and in areas where personal injury lawsuits are filed at a high rate.
Here are the 10 cities in Georgia with their average monthly rate for car insurance.
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.