How Much Is Your Car Insurance if You Live in Georgia?

Did you know that drivers in Georgia pay approximately $1,982 for their car insurance and $755 for minimum coverage?

You may reduce this insurance coverage rate if you’re familiar with insurance quotes and where to find them. Saving a significant amount on vehicle insurance depends on where you buy it and how you utilize the best discounts.

Typically, the average insurance amount many drivers pay may vary from state to state. In Georgia, the average amount begins from $1,982 annually which is higher than the current national average $565.  For minimum car coverage, car drivers need to pay $1,674 per year.

It is worth mentioning that, your car insurance depends on many factors regardless of the state you live in.  If you’re a resident in Georgia and considering purchasing car insurance, here is what you need to know.

Factors That Determine the Cost of Car Insurance

As mentioned earlier, the cost of car insurance may vary state wise.  Also, there are plenty of factors that determine the cost.  You may have to either pay more or less than the figures mentioned above. That is why it is crucial to consider the following things when you calculate a premium.

  • Age
  • State
  • Gender
  • Vehicle type
  • Driving history
  • Place you  live
  • Credit score
  • Marital status
  • Discounts
  • Deductible amount
  • Coverage Type

Let us discuss the two most important determining factors for car insurance in Georgia.

Car Insurance Rates by Company

The insurer you buy your car’s insurance policy from has a huge impact on the cost. You may see the cost differences in the given illustration. The companies are the major insurance providers that operate in Georgia.

While shopping around for cheaper car insurance is often beneficial, the best vehicle insurance is not always the one with the lowest price.  You need to evaluate other factors to see if it suits your insurance needs the best.

However, Georgia residents have many options as there are plenty of good car insurance companies.

Car Insurance Company Premium Coverage for Full Coverage
ACCC Insurance $1,945
Auto-Owners $1,494
Donegal $2,153
Mercury $1,915


Car Insurance Rates by City

The city you live in also influences the cost of auto insurance.  It happens because cities with higher population tend to experience more car accidents. Here are some cities with their annual insurance premium.

City Premium Coverage for Full Coverage
Atlanta $2,325
Augusta $1,908
Marietta $2,078
Columbus $1,996

Can You Save on Your Car Insurance?

You may consider the following to save on your auto insurance rate in Georgia.

  • Increase your deductible
  • Drive an older vehicle
  • Shop around
  • Look for discounts

Summing Up

Whether you’re a new dweller, a new driver in the state, or looking for a new car, you should have complete knowledge about buying an auto policy in any state. This article explains maximum and minimum auto insurance costs you need to pay in Georgia.


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