Car Insurance in Georgia
Numbers updated
What Georgia drivers pay, the legal minimum and who has the lowest price.
- With full coverage, the average cost is $164 a month.
- 25/50/25.Minimum amounts for liability cover.
- Among 51 states, it is the 5th most expensive (1st = highest).
Car insurance costs in Georgia
Georgia drivers with full coverage pay an average of $1,973 each year, or about $164 monthly. Policies with only the legal minimum average $1,187 yearly. The US average is $1,613 a year, so that cost is 22% higher.
| 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).
Legal minimum for Georgia drivers
Under Georgia law, the minimum is 25/50/25 liability coverage. The limits include $25,000 per person hurt and $50,000 for all who are hurt in one crash. They also cover $25,000 in damage to other people's property.
In Georgia, the at-fault driver pays through their liability cover after a crash.
You aren't required to have uninsured motorist cover, although insurers must offer it in most states.
Source: Georgia Office of Insurance and Safety Fire Commissioner, Auto.
How many Georgia drivers lack insurance?
In 2023, about 19% of Georgia drivers had no car insurance, the 11th highest rate among the 51. If an uninsured motorist hits you, this coverage pays your bills.
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