Compare car insurance quotes in Georgia
Jerry is a free app trusted by 142,524 Georgia drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Georgia car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Georgia, Jerry drivers pay:
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$142 to $269 per month for state-mandated minimum coverage.
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$256 to $530 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Georgians save an average of $744 per year on coverage just by comparing their options.
Does it sound too time consuming? Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your Georgia car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents are just a tap away.
Just remember that your final quote will depend on personal factors like your driving record, your type of car and where in Georgia you live. Here are some full coverage rates that Jerry drivers in Georgia have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Georgia is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Georgia drivers are paying with Jerry
Georgia is a state where rates can spread out fast between insurers, so it’s worth checking and comparing a handful of quotes, whether you’re tweaking your coverage, keeping it close to what you have or simply looking for the cheapest car insurance in Georgia.
Where you drive really matters here, too. Metro Atlanta traffic, higher accident frequency on major corridors, theft risk in some areas and severe storms that can bring hail and flooding all influence pricing by ZIP code. We pull quotes for Georgia drivers every day, so you can compare carriers with a clearer sense of what’s typical where you live and how you drive.
Jerry helps you compare quotes from up to 15 trusted insurers in the Peach State and puts them side-by-side, making it easier to spot the best match for your coverage and budget.Below, you’ll find a snapshot of the latest quotes Jerry has pulled for Georgia drivers at multiple coverage levels, including how much each driver is saving.
Recent quotes in Georgia
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Georgia car insurance coverage requirements
Drivers in Georgia are legally required to carry liability insurance coverage. State minimum requirements include:
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Bodily injury liability of $25,000 per person and $50,000 per incident.
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Property damage liability of $25,000 per incident.
While this is the minimum insurance you need to buy before you can legally drive in Georgia, many Jerry drivers choose higher liability limits along with comprehensive and collision coverage. We also recommend purchasing uninsured/underinsured motorist (UIM) protection since 19% of Georgia drivers are uninsured or underinsured.
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Coverage definitions
Factors affecting Georgia car insurance rates in 2026
Severe weather patterns
Georgia gets tropical remnants, heavy rain, hail, flooding, and the occasional tornado. You need comprehensive coverage to make weather-related damage claims, which is why many drivers keep it even on older cars.
Atlanta congestion and crash frequency
Atlanta-area highways and interstates are among the most congested, and more congestion usually means more claims. In high-traffic corridors, collision coverage matters because it helps pay for repairs after an accident, even when fault is disputed.
Uninsured drivers
According to IRC, roughly one-fifth of Georgia drivers is uninsured. UM/UIM coverage helps protect you if you’re hit by someone who can’t cover the damage, and matching those limits to your liability limits is a solid baseline.
Modified comparative negligence rules
Georgia follows a modified comparative negligence rule, which means that you can recover damages as long as you’re less than 50% at fault. Collision coverage is still the most dependable way to get your own car fixed without waiting on a liability decision.
Coastal flooding and water damage risk
Along the coast, intense rain and storms can flood roads and low-lying neighborhoods. Comprehensive coverage is needed to cover flood damage, and given that it’s one of the most expensive types of claims when they happen, Jerry typically recommends adding it if you live in flood-prone areas.
High-speed rural driving
Outside the metro areas, commutes often involve higher speeds on two-lane roads with less lighting and fewer barriers. Those conditions can make crashes more severe, which is one reason insurers often price rural driving differently than city driving.
Average cost of car insurance in major Georgia cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $443 | |
| $377 | |
| $362 | |
| $533 | |
| $354 | |
| $301 | |
| $522 | |
| $351 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Georgia quotes in as little as 2 minutes.
Learn more about driving in Georgia
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Everything you need to know about Georgia towing laws.
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What to know about car sales tax in Georgia.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Georgia an at-fault insurance state?
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What happens if I drive without insurance in Georgia?
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How does Georgia verify car insurance coverage?
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Is uninsured motorist coverage required in Georgia?
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What happens if my Georgia registration is suspended for no insurance and I keep driving anyway?
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Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.