Compare car insurance quotes in Georgia
Jerry is a free app trusted by 143,906 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 $153 a month for state minimum and $382 a month for full coverage. But in Georgia, Jerry drivers pay:
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$139 to $269 per month for state-mandated minimum coverage.
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$259 to $524 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 $735 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
Georgia homeowners deal with severe thunderstorms, tornadoes in the northern part of the state, and occasional hurricane impacts along the coast. These risks keep home insurance rates above the national average, making bundling home and auto insurance a smart move to trim your overall costs.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Georgia drivers are paying with Jerry
If you want to make sure you’re not overpaying for car insurance, comparing quotes from multiple carriers is the best place to start. Whether you’re building a policy from scratch, matching your current coverage or hunting for the cheapest car insurance in Georgia, it helps to see your options side by side.
That matters in Georgia, where metro Atlanta traffic is a different world from driving in Savannah, Macon or the rural parts of the state. Atlanta’s congestion and high collision rates push premiums up for drivers in the metro area, while rates in smaller cities and towns can be noticeably lower. Jerry works with Georgia drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
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
Georgia gets hit by tropical remnants, heavy rain, hail, flooding and the occasional tornado. We recommend keeping comprehensive coverage because that’s what pays for weather-related damage. Many drivers keep it even on older cars, and in Georgia it’s easy to see why.
Atlanta congestion and crash frequency
Atlanta-area highways like I-285, I-85 and I-75 are some of the most congested in the Southeast, and more congestion means more claims. Carry collision coverage so your repairs don’t hinge on a drawn-out fault decision, and consider a telematics program, like Jerry DriveShield, to turn your safer driving into a lower rate.
Uninsured drivers
Roughly one in five Georgia drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Modified comparative negligence rules
Georgia follows a modified comparative negligence rule, meaning you can recover damages as long as you’re less than 50% at fault. But fault disputes take time. Collision coverage is still the most dependable way to get your own car fixed without waiting on a liability decision.
Coastal flooding
Along the coast, intense rain and storm surge can flood roads and low-lying neighborhoods fast. Comprehensive coverage is what covers flood damage, and given how expensive water claims can get, Jerry recommends carrying it if you live or regularly drive in flood-prone areas.
High-speed rural driving
Outside the metro areas, commutes often involve higher speeds on two-lane roads with less light and fewer barriers. Those conditions make crashes more severe when they happen, so consider carrying collision coverage and set a deductible you can comfortably afford if you need to file a claim.
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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City
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Average monthly cost
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|---|---|
| $443 | |
| $377 | |
| $362 | |
| $532 | |
| $353 | |
| $300 | |
| $520 | |
| $350 |
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?
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.