Compare car insurance quotes in Georgia
Jerry is a free app trusted by 141,067 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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$141 to $276 per month for state-mandated minimum coverage.
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$255 to $538 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 $726 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
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Georgia that you can find.
Jerry helps you compare quotes from up to 15 trusted insurers in the Peach State, so you can see what’s out there and what you should be paying.
Below are some of the latest quotes Jerry has pulled for Georgia drivers at different coverage levels, plus how much each driver saved.
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 actually choose higher liability limits, along with comprehensive and collision coverage. When you also consider that 19% of Georgia drivers are uninsured or underinsured, it may also be wise to purchase uninsured/underinsured motorist (UIM) protection.
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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. Comprehensive coverage is typically what helps with weather-related vehicle damage, 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
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, so 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 storm surge can flood roads, lots, and low-lying neighborhoods. Comprehensive coverage typically covers flood damage, and it’s one of the most expensive types of claims when it happens.
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 | |
| $535 | |
| $355 | |
| $302 | |
| $522 | |
| $352 |
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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