Georgia Car Insurance Quotes
Georgia Insurance Coverage
Drivers in Georgia tend to receive a higher-than-average quote for auto insurance according to Jerry’s data. Drivers in Georgia pay a monthly average of$328.90 for state-mandated minimum coverage. This is higher than the national average for minimum coverage, which is currently $260.01.
Risks for Georgians vary depending on where in the state you live. Drivers in coastal Savannah have to contend with hurricanes that can damage their cars, while drivers in Atlanta may face flooding, hail and tornados and addition to problems related to heavy traffic in the area.
Drivers in Georgia are legally required to carry these minimum levels of coverage for car insurance:
- Bodily injury liability of $25,000 per person and $50,000 per incident.
- Property damage liability of $25,000 per incident.
If you are going to be shopping for car insurance quotes, you should consider your needs before hand. Will you want cheap car insurance or additional, higher limits which will cost more but offer greater coverage? Getting several different quotes from multiple companies will help you figure out your own costs.
Check out recent quotes Jerry customers have gotten for car insurance in Georgia.
|
Date of Quote
|
Insurance Company
|
Monthly Quote
|
|---|---|---|
| August 12, 2025 | Progressive | $275 |
| August 12, 2025 | Trexis | $1,121 |
| August 12, 2025 | ROOT | $249 |
| August 12, 2025 | ROOT | $328 |
| August 12, 2025 | Progressive | $216 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Factors that drive auto insurance rates in Georgia
In a 2024 blog post, the Insurance Information Institute (III) noted that Georgia is among the least affordable states for auto insurance. Though premiums are tailored to each driver, Georgians face a unique set of circumstances that affect their rates, including:
- Lawsuit reform: Across the country, large insurance lawsuit payouts have prompted insurers to raise their rates, but two new Georgia laws (Senate Bill 68 and Senate Bill 69) aim to lower litigation costs and high jury awards in civil cases, including car accidents. The state’s insurance commissioner, John King, told an Atlanta news station in April 2025 that he expects the new rule to trigger across-the-board insurance decreases of 3% to 5%. But an expert with the Insurance information Institute told the station that the law’s impact on auto insurance increases may be muddied by tariffs.
- Severe crashes: Georgia saw a serious uptick in fatal traffic accidents from 2019 to 2021. During that period, fatalities jumped from 1,492 to 1,809, according to a preliminary report released in January from the Governor’s Office of Highway Safety. Traffic deaths fell to 1,674 in 2023, but that’s still a notable increase from 1,432 in 2015. Any increase in the number of claims from one state is likely to trigger insurance rate increases for all drivers. Though fatal accidents have fallen from their 2021 highs, it can take insurers a while to work that data into their pricing.
- Uninsured motorists: In 2023, 19% of Georgia drivers were uninsured, putting the state at No. 11 in the nation for the highest number of uninsured motorists, according to the III. Insurers view a high rate of uninsured motorists as a notable risk, because if you carry UM/UIM insurance in Georgia and are hit by an uninsured driver, your provider picks up the bill. Companies charge higher premiums to account for that risk.
- Weather events: Though Tornado Alley is widely believed to have shifted east since the term was first coined, Georgia is not an official member. Still, tornados cause property damage in the state each year, according to the Athens Banner-Herald’s Tornado Archive. The state also takes damage from hurricanes off the Gulf of Mexico and the Atlantic Ocean. You can bet the likelihood of a tornado or hurricane sweeping over your car contributes to your insurance costs.
