Average Car Insurance Cost in Georgia
Numbers refreshed
For Georgia, NAIC shows averages by coverage and the state's national rank.
- Full coverage costs $1,973 per year on average.
- The minimum liability limits are 25/50/25.
- 5th of 51.States are ranked by cost, and 1st = highest.
Georgia average costs by coverage
Full coverage in Georgia costs $1,973 per year on average. The US average is $1,613 a year. Georgia's cost is 22% higher.
Average spending for each insured car rose from $1,554 in 2023 to $1,758 in 2024, an increase of 13.1%.
| Coverage in Georgia | Per year | Per month |
|---|---|---|
| Liability | $1,187 | $99 |
| Collision | $524 | $44 |
| Comprehensive | $262 | $22 |
| Full coverage (all three) | $1,973 | $164 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Georgia compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Louisiana | 2nd | $2,151 | $179 |
| New York | 3rd | $2,150 | $179 |
| District of Columbia | 4th | $1,986 | $166 |
| Georgia | 5th | $1,973 | $164 |
| Texas | 6th | $1,917 | $160 |
| New Jersey | 7th | $1,878 | $157 |
| Nevada | 8th | $1,866 | $155 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
A number just for you
Averages include all ages and records. The Georgia calculator adjusts for your age and record.
First written