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Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics. Updated Nov 02, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X The average cost of car insurance in Georgia is $2,009 per year for full coverage and $642 per year for minimum coverage, based on Bankrate's 2022 study of quoted annual premiums. Georgia drivers pay more, on average, than the national average annual rates, which are $1,771 for full coverage and $545 for minimum coverage. However, by comparing quotes, taking advantage of discounts and keeping a clean driving record, you may be able to get a lower premium. Full coverage car insurance costs an average of $2,009 per year in Georgia, which is 13% more than the national average full coverage rate of $1,771 per year. Based on our data, average rates in Georgia climb until age 22 and then begin to drop, assuming a clean driving record is kept. Drivers with Georgia DUI convictions pay among the highest rates, with an average premium of $3,793 per year for full coverage, or 89% more than the state average. See More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More How much does car insurance cost in Georgia
The varies from state to state. In Georgia, the average annual amount drivers are paying is $642 for minimum coverage and $2,009 for full coverage, which is more than the national average. Currently, the U.S. average is $545 per year for minimum coverage and $1,771 per year for full coverage. However, keep in mind that what you pay for car insurance is determined by a variety of factors (meaning you may pay more or less than the numbers above). When calculating auto premiums, auto insurers consider these rating factors: Age (except Hawaii and Massachusetts) Gender (in most states) ZIP code (in most states) Type of vehicle Driving history Marital status (in most states) Credit history (in most states) Deductible amount Discounts Levels and types of coverage This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Georgia car insurance rates
Average annual minimum coverage premium Average annual full coverage premium $642 $2,009 Georgia car insurance rates by city
The average car insurance rates in Georgia vary by city. This is because more populated areas generally have more accidents. In the table below, you'll find the average rate for the top 10 largest Georgia cities by population and the percentage increase from an average full coverage premium of $2,009 per year. City Average annual premium for full coverage % increase in average annual premium $2,207 10% Augusta $1,881 -6% $1,981 -1% Columbus $1,958 -3% $2,024 1% Athens $1,824 -9% Gainesville $1,848 -8% Warner Robins $1,869 -7% Albany $1,799 -10% Valdosta $1,651 -18% Georgia car insurance rates by company
How much is car insurance in Georgia? That depends on which company you are insured with. The following table illustrates the cost differences between some of the major insurers available in Georgia. As you will see, it can be worth your time and effort to shop around for . Never assume you will pay the same premium amount from one company to the next. And while the best car insurance isn't always the cheapest car insurance in Georgia (and vice versa), the good news is that you have plenty of options for the in Georgia. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage ACCC Insurance $712 $1,935 $668 $3,189 $352 $1,236 $577 $2,120 Donegal $1,160 $2,489 $590 $2,084 $1,057 $1,858 $503 $1,840 $500 $2,063 $651 $1,676 $504 $1,811 $675 $1,734 Safeway $1,040 $2,210 $574 $1,778 $560 $1,544 Georgia car insurance rates by age
Average car insurance rates in Georgia are heavily influenced by a driver's age (as they are in most states). This is because younger drivers are to get into an accident due to a lack of driving experience. Assuming they do not have any major traffic offenses, their rates should decrease as they get older. Age Average annual premium in Georgia $2,154 $3,200 $2,498 $2,123 Age 35 $2,062 $2,009 *17-year-old calculated on parent's policy. Premium is the cost to add the teen driver, not the total cost of the policy. Georgia car insurance rates by gender
Most states use gender as a rating factor to determine your car insurance premium (California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania do not use gender as a rate factor). Nationally, men average higher premiums than women, since insurance companies typically perceive men riskier behind the wheel. This trend is reflected in Georgia's data, but the difference between the average rates is small. Average annual full coverage premium Male drivers $2,014 Female drivers $2,004 Georgia car insurance by credit score
When considering the cost of insurance, you may wonder . In states except California, Hawaii, Massachusetts and Michigan, auto insurance companies may use your credit-based insurance score to determine how likely you are to file a claim. Policyholders with poorer credit may have a higher risk of getting in an accident and filing a claim. Due to this added risk, car insurance companies typically charge higher premiums for those with lower credit-based insurance scores. The following table outlines average in Georgia. Average annual full coverage rate by credit score Poor Average Good Excellent National average $3,002 $1,907 $1,771 $1,556 Georgia $3,211 $2,148 $2,009 $1,775 Georgia car insurance rates by driving record
Past driving offenses can greatly increase car insurance rates in Georgia. Here is what you can expect to pay for car insurance after a driving incident. Driving incident Average annual full coverage premium in Georgia % increase in average annual full coverage premium $2,437 21% $2,801 39% $3,793 89% Georgia car insurance rates by vehicle type
One other aspect to consider when shopping for an auto insurer is . Car insurance rates vary by vehicle make and model since different types of cars have different crash statistics, price of parts, price of labor and safety features. Cars that cost more to repair, such as foreign vehicles with imported parts, will generally come with higher car insurance premiums. If a car has higher crash statistics, an insurance 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 certain safety features, your car insurance provider may lower your rates. Here are a few examples to help you , or compare how rates vary by type. Vehicle Average annual full coverage premium $2,461 $1,745 $1,683 $2,009 $2,240 Frequently asked questions
Drivers in Georgia pay an average of $642 per year for minimum coverage in Georgia, which is more than the national average of $545 per year. However, keep in mind that while minimum coverage could be the , it’s not always the best option. Minimum coverage limits are low, which means you could be hit with substantial out-of-pocket bills if you are in an at-fault accident. While higher limits may cost more, they also offer better protection. If you aren’t sure , working with an agent could be a good option.
No, it is not. Georgia’s are $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability. However, buying uninsured and underinsured motorist coverage could be a prudent choice,considering that Georgia has an estimated . Uninsured and underinsured motorist coverage can help you handle the financial fallout of being hit by a motorist with no insurance or with too little insurance to pay for your damages.
The are different for everyone based on individual circumstances. Insurance companies use specific to calculate insurance premiums, such as your age, the make and model of your vehicle, your credit history and driving history. Shopping around and comparing quotes on the basis of price, coverage offerings and third-party ratings can be a good strategy to find the best coverage for your needs.
Each company prices car insurance differently, so shopping around to from Georgia's top providers may help you find the lowest coverage for your situation. Keep in mind, though, that price isn't the only factor to consider when you are shopping for car insurance. Ensuring you have proper coverage for your needs can help you protect your finances from vehicle-related incidents, even if it means paying a bit more each month. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full 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's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. To determine alternate rates, our base profile has been adjusted for the following scenarios: Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. Age: Rates were calculated by evaluating our base profile with the ages 16-40 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania. : 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. Four states prohibit the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. These are sample rates and should only be used for comparative purposes. Written by Lizzie Nealon Insurance Contributor Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics.