Full Coverage Car Insurance in Georgia
Numbers refreshed
Priced from Georgia averages, this covers liability, collision and damage from events other than a crash.
- Full coverage runs $164 a month on average.
- The minimum liability limits are 25/50/25.
- 5th of 51.Cost ranking across the states (1st = highest).
Georgia prices for full coverage
Full coverage adds collision and cover for non-collision damage to liability. The $1,187 liability average in Georgia grows by $785 a year once you add those two parts.
| 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).
The point where full coverage stops paying off
If you still owe money on the car, lenders and lease companies require it.
After the car is paid off, weigh its value against the $785 a year that extra cover costs. Should one bad year of premiums pay for most of the car, liability only usually makes more sense.
Full coverage in Georgia, by car
These estimates are for an adult with a clean record and come from IIHS-HLDI loss results. Of the 40 models we price, these are the low and high ends:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $1,232 | $103 |
| Honda CR-V | $1,284 | $107 |
| Subaru Outback | $1,357 | $113 |
| Chevrolet Corvette | $1,480 | $123 |
| Kia Forte | $2,627 | $219 |
| Chevrolet Camaro | $3,000 | $250 |
| Dodge Charger | $3,614 | $301 |
| Dodge Challenger | $3,620 | $302 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Learn more about car insurance in Georgia
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