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According to the United States Census Bureau, Georgia has the eighth-highest population of any state in the country, with over 10.5 million residents as of 2018. The state had almost 7 million registered drivers in 2016, according to U.S. Department of Transportation Federal Highway Administration data. Population is only one of the factors that can directly or indirectly affect the cost of auto insurance, but it serves as an interesting starting point to see how the cost of car insurance in Georgia compares to other states.

Data gathered by Quadrant Information Services for US News shows that the national average for car insurance premiums is $3,953. Georgia residents pay an average annual insurance rate of $4,966. That means residents of Georgia can expect to pay more than the national average for car insurance premiums, but it’s not nearly as bad as it could be. Michigan residents pay $10,498 per year in car insurance premiums, on average.

Though the state you live in plays a role in the price you can expect to pay for car insurance, there are a lot of other factors as well. These include things like your age, gender, marital status, whether you live in an urban area or a rural one, the age and type of vehicle you drive, and your driving habits and record. We’ll take a closer look at some of these factors and how they affect the cost of auto insurance for Georgia residents.

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Average Annual Car Insurance Rates in Georgia

Company

Average Rate

Geico

$2,977.20

USAA

$3,157.46

State Farm

$3,384.88

Allstate

$4,210.70

Progressive

$4,499.22

Nationwide

$6,484.90

Liberty Mutual

$10,053.44

How We Found the Cheapest Car Insurance in Georgia

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60 years. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford-F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

With this information, we can help you figure out how much car insurance costs in Georgia. You can see how rates among the seven largest auto insurance companies differ by demographic, annual mileage driven, and driving record.

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How Much Does Car Insurance Cost in Georgia?

Georgia residents are likely to have the highest auto insurance rates with Liberty Mutual, which has an average rate of $10,053. Nationwide comes in next with an average rate of $6,485, followed by Progressive and Allstate with averages of $4,499 and $4,211, respectively. State Farm’s costs $3,385 on average, and USAA’s average rate is $3,157. If you live in Georgia, you’re likely to save the most money with Geico, which had the lowest average rate of $2,977.

Married 60-year-old women and men can expect to pay the lowest average car insurance rates in Georgia, according to the data from Quadrant Information Services. In general, rates for that age group were lower than the other age groups in the study. The rates for married 35-year-old women and men came close, typically within $100 to $200 of the 60-year-old drivers’ rates, with a few exceptions. Rates for single 25-year-old women and men were higher by a couple hundred dollars or more. For every insurance company in the study, single 17-year-old males pay the highest rates by far. In some cases, the 17-year-old males’ average rates are thousands of dollars more than the rates for women in the same age group. Men paid higher rates than women of the same age for almost every age group and insurance company, but the gap between the 17-year-old groups was the biggest. The highest rate in the study for different age groups, $25,414, is Liberty Mutual’s average rate for single 17-year-old males.

Annual mileage is another factor in the Quadrant Information Services study. The study provided average rates for these seven auto insurance companies based on two average annual commuting distances: 6,000 miles and 12,000 miles. In some cases, customers who drive more miles pay higher rates. The companies with a higher average rate for customers who accumulate more miles are Allstate, Geico, and USAA. However, the differences weren’t much, ranging from about $100 to just under $300. Quadrant’s data showed that Liberty Mutual, Nationwide, Progressive, and State Farm had the same average rates regardless of the annual miles accumulated.

Average Annual Car Insurance Rates in Georgia Based on Miles Driven

Company

6,000 miles annually

12,000 miles annually

Allstate

$4,115.26

$4,306.14

Geico

$2,926.71

$3,027.68

Liberty Mutual

$10,053.44

$10,053.44

Nationwide

$6,484.90

$6,484.90

Progressive

$4,499.22

$4,499.22

State Farm

$3,384.88

$3,384.88

USAA

$3,013.71

$3,301.21

Next, the study broke down coverage into three types: low, medium, and high. In almost every case, each of the seven auto insurance companies studied in Georgia charged progressively more for each tier of insurance, which is a reasonable expectation. The lone exception was Nationwide, which had a higher average rate for medium insurance coverage ($6,603) than high coverage ($6,518). Furthermore, the cost difference between tiers is smaller than many consumers might expect, usually separated by as little as $300 or so. USAA showed the smallest increases for each tier of insurance, going from $3,013 for low coverage to $3,141 for medium coverage and $3,318 for high coverage.

Average Annual Car Insurance Rates in Georgia Based on Coverage Level

Company

Low

Medium

High

Allstate

$3,881.04

$4,254.86

$4,496.20

Geico

$2,763.97

$2,991.78

$3,175.82

Liberty Mutual

$9,636.66

$9,998.75

$10,524.93

Nationwide

$6,334.12

$6,602.52

$6,518.06

Progressive

$4,121.20

$4,426.83

$4,949.64

State Farm

$3,167.98

$3,387.35

$3,599.32

USAA

$3,013.26

$3,141.23

$3,317.90

Credit history is another factor that can affect car insurance premiums. For each of the seven companies in the study, customers with good credit history paid the lowest rates, customers with fair credit history paid more, and customers with poor credit history paid the highest rates. However, the differences between the groups were all over the place. For example, Liberty Mutual had the biggest gap by far in rates between good credit ($6,923) and poor credit ($14,403). Progressive had the smallest gap between the good credit group ($4,046) and the poor credit group ($5,075). In general, customers with poor credit in Georgia should expect to pay at least a thousand dollars more for auto insurance than those with good credit. In most cases, the rates will be much higher than even that. Consumers with poor credit should really take the time to shop around, because the differences in rates can be huge.

Average Annual Car Insurance Rates in Georgia Based on Credit Score

Company

Good

Fair

Poor

Allstate

$3,382.87

$3,792.84

$5,456.39

Geico

$2,542.83

$2,607.81

$3,780.93

Liberty Mutual

$6,923.06

$8,834.05

$14,403.23

Nationwide

$5,476.79

$6,258.58

$7,719.34

Progressive

$4,045.92

$4,376.95

$5,074.80

State Farm

$2,368.08

$2,988.35

$4,798.23

USAA

$2,469.31

$2,892.23

$4,110.85

Driving record is the next factor explored by the study, with four groups: customers with a clean driving record, with a single speeding violation, with a single accident, and with a DUI. In about half the cases, drivers with a single DUI paid the highest average rates, while drivers with one accident paid the highest average rates in most of the other cases. Geico, Liberty Mutual, Nationwide, and USAA charge the highest rates to drivers with a DUI. Allstate, Progressive, and State Farm charge the highest rates to drivers with one accident.

Average Annual Car Insurance Rates in Georgia Based on Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$3,465.71

$3,647.83

$5,365.97

$4,363.29

Geico

$1,991.22

$2,244.40

$2,493.90

$5,179.25

Liberty Mutual

$7,632.75

$10,164.83

$10,428.16

$11,988.03

Nationwide

$4,993.04

$6,053.51

$5,859.64

$9,033.42

Progressive

$3,524.11

$4,102.75

$6,212.74

$4,157.29

State Farm

$3,084.80

$3,384.88

$3,684.98

$3,384.88

USAA

$2,416.20

$2,693.63

$3,058.95

$4,461.07

The study shows that most of the insurance companies in the study charge higher rates to drivers with one accident than drivers with one speeding ticket, but Nationwide is an exception to this rule. The differences in rates are again all over the place when it comes to driving record. For example, Allstate, Geico, State Farm, and USAA raised rates for drivers with one speeding violation by about $200 to $300. However, a speeding violation for a Liberty Mutual customer causes the rate to jump by about $2,500.

The study also considered Georgia’s average car insurance costs by city. Auto insurance companies charge the highest average rate to customers living in East Point at $6,403 and Atlanta at $6,200. The least expensive cities in Georgia for car insurance are Valdosta and Albany, with average rates of $4,018 and $4,580, respectively.

Average Annual Car Insurance Rates in Georgia by City

City

Average Rate

Valdosta

$4,018.41

Albany

$4,579.72

Newnan

$4,640.53

Peachtree City

$4,642.31

Warner Robins

$4,669.58

Dalton

$4,795.92

Gainesville

$4,912.85

Rome

$4,936.47

Columbus

$5,018.84

Milton

$5,061.11

Macon

$5,065.30

Alpharetta

$5,132.59

Savannah

$5,165.66

Dunwoody

$5,166.00

Sandy Springs

$5,377.46

Johns Creek

$5,438.19

Marietta

$5,487.77

Smyrna

$5,598.58

Atlanta

$6,199.73

East Point

$6,403.09

Georgia Auto Insurance Minimum Coverage Requirements

Like most states across the country, car insurance is required in Georgia. The Motor Vehicle Division of the Georgia Department of Revenue must see proof of insurance before issuing a vehicle registration and license plate.

Here are the minimum insurance requirements in Georgia:

  • Bodily injury liability at $25,000 per person and $50,000 per accident
  • Property damage liability at $25,000 per accident

In Georgia, insurance companies must offer uninsured motorist bodily injury at $25,000 per person and $50,000 per accident, as well as uninsured motorist property damage at $25,000 with a $250, $500, or $1,000 deductible. With uninsured motorist coverage, your losses are covered if you are hit by someone who does not have insurance. However, this law is in place to require insurance companies to offer this coverage. Uninsured motorist coverage can be waived by the consumer, according to Geico.

Cheapest Car Insurance Coverage in Georgia

According to Quadrant Information Services, the cheapest auto insurance coverage in Georgia is low coverage. Geico is the least expensive provider with an average rate of $2,764. Prices from the other six insurance companies in the study increase as follows: USAA ($3,013), State Farm ($3,168), Allstate ($3,881), Progressive ($4,121), Nationwide ($6,334), and Liberty Mutual ($9,637). It is worth noting that medium coverage from Geico, at an average of $2,992, may be less expensive than most rivals’ low-coverage option. Read more about the types of car insurance to make sure you’re getting the coverage you need.

Why Car Insurance Rates Vary in Georgia

Typically, urban residents pay more for auto insurance because there are higher rates of accidents and crime in more densely populated areas, which is not unique to the state of Georgia. When auto insurance companies provide quotes based on your zip code, the companies check their data to help consider the frequency and types of insurance claims made in that area. If you live in a neighborhood with high rates of auto theft or lots of crashes, it costs more to insure your car to offset the higher risk.

How to Get the Cheapest Car Insurance in Georgia

Based on the data from the Quadrant Information Services study, maintaining a clean driving record is the best way to get the cheapest car insurance in Georgia. Drivers who are at a low risk to insurance companies are rewarded with the lowest rates, so you can save money by avoiding speeding tickets, crashes, and DUIs. However, you shouldn’t underestimate the importance of looking for car insurance discounts. Your insurance company is the best source to find discounts that may apply to you.

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Multi-policy or bundling discounts are among the most common discounts offered by auto insurance companies. They apply to customers who buy multiple types of insurance policies from the same carrier, including homeowners or renters policies. You can also get a discount for having multiple vehicles in the same household, and your insurer may offer good driver discounts and student discounts. Check with your employer – or any groups or clubs that you are a member of – to see if they offer employee or affinity discounts. Most major auto insurance companies offer discounts to customers in certain professions, such as teachers, active duty military, and veterans.

Your car may also entitle you to certain discounts, particularly if it is new or equipped with certain safety technology or theft prevention systems. Some insurance companies offer discounts for good driving, but only if you’re willing to fit your car with a tracking device that logs your mileage, habits, and other data. In some cases, these programs use a smartphone app to collect the data. If you are interested in participating in such a program, carefully check the terms. The insurance companies that offer these programs don’t guarantee discounts, and they may raise your rates if they don’t like what they see on your tracker.

Be sure to check for other common auto insurance discounts, such as low mileage (for drivers who only accumulate 5,000 to 15,000 miles per year), paperless or online billing, auto-pay or pay-up-front, and completion of an approved defensive driving or driver training course.

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Laws Around Car Insurance in Georgia

In Georgia, insurance for new drivers or for a new vehicle must be purchased before driving. If the policy lapses or is canceled for 10 days, the vehicle’s registration will be revoked. In Georgia, driving a car without a valid registration is a misdemeanor and puts the vehicle at risk of being impounded. Reinstating a revoked vehicle registration requires fees totaling $85. Wait periods of 90 days to six months are required after a vehicle’s insurance has lapsed on subsequent offenses.

Georgia Driving Laws and Punishments

Georgia’s hands-free law is fairly new, having gone into effect on July 1, 2018. While driving in Georgia, motorists cannot hold a phone or have a phone touching any part of their body. Using a voice-to-text system is permissible, but otherwise, drivers cannot read or write texts, emails, or social media content. Drivers cannot watch or record videos while on the road, with the exception of dash cams. Drivers may stream music on a phone, but they may not touch the phone to do so.

The first conviction of violating the hands-free law carries a $50 fine and one point on the driver’s license. First-time offenders can have the charge dropped by showing that they have obtained a hands-free device or technology. A second offense within two years of the first conviction carries a $100 fine and two points on the license, and a third offense within two years of the first conviction carries a $150 fine and three points.

The first time someone is convicted of driving under the influence (DUI) in Georgia, the penalties include up to a year in jail, a fine between $300 and $1,000, a suspended driver’s license up to one year, 40 hours of community service, and a $210 fee to reinstate the license when the suspension is up.

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Second-time offenders within five years of the first offense will spend a minimum of 48 hours in jail with a possible sentence of 90 days to one year, a fine between $600 and $1,000, a driver’s license suspension of three years, 30 days of community service, and a $210 fee to reinstate the license at the end of the suspension. Violators also face a mandatory clinical evaluation and possible substance abuse treatment. Furthermore, the offender’s vehicle will be fitted with an ignition interlock device for six months, and the vehicle’s license plates will be seized.

For the third offense within five years of the second offense, violators face a minimum mandatory sentence of 15 days in jail, a fine between $1,000-5,000, a license suspension of five years, 30 days of community service, and a mandatory clinical evaluation with possible substance abuse treatment. The vehicle’s license plates will be seized, and the offender’s name, address, and photo will be published in the local newspaper at the offender’s expense.

In addition to the above penalties, drivers between the ages of 15 and 21 who are convicted of an impaired driving offense face an additional waiting period of 12 months before qualifying for their graduated driver’s license. The blood alcohol content (BAC) limit is .02 for minors and .08 for adults.

According to Georgia’s minimum liability insurance requirements, any uninsured motorist in Georgia is breaking the law. The state requires insurance companies to offer uninsured motorist coverage, though drivers can decline this coverage in writing.

Georgia Car Insurance FAQs

Is car insurance required in Georgia?

Yes, car insurance is required in Georgia. Here are the minimum requirements:

  • Bodily injury liability at $25,000 per person and $50,000 per accident
  • Property damage liability at $25,000 per accident

In Georgia, insurance companies must offer uninsured motorist bodily injury at $25,000 per person and $50,000 per accident, as well as uninsured motorist property damage at $25,000, with a $250, $500, or $1,000 deductible. These coverages can be waived in writing.

Which cars are required to be insured in Georgia?

All vehicles in the state of Georgia must be registered, with the exception of mopeds, motorized carts, all-terrain and off-road vehicles, and farm equipment that will not be used on public roads. New residents have 30 days from the date they moved to register a vehicle. Current Georgia residents have seven days to register a new vehicle.

When should I get car insurance in Georgia?

Plan to get auto insurance for a new vehicle or new address as soon as possible. You’re required to register a vehicle shortly after purchasing it or moving to Georgia, and proof of insurance is required to register a vehicle.

What happens if my car is not properly insured in Georgia?

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If you do not insure your car in Georgia, your vehicle’s registration will be canceled. Driving a car without a valid registration is a misdemeanor in Georgia, and your vehicle may be impounded. To reinstate a revoked vehicle registration, drivers must pay a $25 lapse fine and a $60 reinstatement fee. Wait periods of 90 days to six months are required after a vehicle’s insurance has lapsed on subsequent offenses.

Is Georgia a no-fault state?

No, Georgia is not a no-fault state. That means that the at-fault party in a car accident can be sued for the full amount of financial damages, including medical costs, lost wages, pain and suffering, and any other costs related to the accident. Georgia uses the Modified Fault Rule to determine fault, which means that a driver found to be more than 50 percent responsible for the crash may not sue the other party or parties involved.

Do I need uninsured motorist coverage in Georgia?

In Georgia, insurance companies are required to offer uninsured motorist coverage in the amounts of $25,000 per person and $50,000 per accident for uninsured motorist bodily injury. They must also offer coverage for uninsured motorist property damage at $25,000, with a $250, $500, or $1,000 deductible. With uninsured motorist coverage, your losses are covered if you are hit by someone who does not have insurance. Consumers may waive their right to uninsured motorist coverage, according to Geico.

Is liability insurance required in Georgia?

The state of Georgia requires two types of liability coverage: bodily injury liability at $25,000 per person and $50,000 per accident, and property damage liability at $25,000 per accident. If this coverage lapses or is canceled, the insurance company will contact the Motor Vehicle Division of the Georgia Department of Revenue, which will then cancel the vehicle’s registration.

Does Georgia accept digital insurance cards?

Georgia uses a different system for digital proof of insurance than many other states. While drivers in some states are allowed to use a smartphone app to provide proof of insurance (rather than traditional paper cards), Georgia uses a digital system called the Electronic Insurance Compliance System. This system is maintained by the Georgia Department of Revenue, and it uses information that insurance companies are required to provide. Drivers are still expected to carry paper insurance documents in the vehicle, but the electronic system is checked to ensure information is up to date.

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