Popular QuestionsPopular Questions About Georgia Car Insurance

How much does Georgia car insurance cost a year? $1,519

Georgia drivers pay more for car insurance than the average national driver. You can save on your monthly cost by working with an Independent Insurance Agents to shop for lower rates. 

The average American driver pays $1,311 each year for auto insurance. In Georgia, the average rate is $1,519. Make sure you get the best deal by shopping rates from a variety of insurance companies. 

georgia car insurance cost chart
What does Georgia car insurance actually do for me?

Accidents happen every day, and you're at risk every time you get behind the wheel. Car insurance protects you after an accident and offers valuable financial compensation. Here's a look at some of the ways your insurance will help... 

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender. 
  • Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability." 
  • Pay Your Medical Bills – Not Required. We officially call this "personal injury protection" or "PIP." 
  • Pay Someone Else's Med Bills – Required/Min. $25,000 per person/ $50,000 per accident. We officially call this "bodily injury liability."

You'll notice that Georgia requires all drivers to have insurance to cover the cost of vehicle damage and medical bills. Most states require drivers to carry insurance just in case they cause an accident.

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many Georgia drivers are uninsured: 11.7%

The problem is this: Sometimes people drive without any insurance. They get behind the wheel with no backup plan to cover the financial fallout if they cause an accident. 

That's why "Uninsured Motorist Coverage" is so important. If you are hit by a driver that doesn't have insurance, this policy pays to fix your car and covers your medical bills.

Usually, the insurance company will try to get compensation from the driver at fault after they pay you for the damage.

Which are the best insurance companies in Georgia?

An independent insurance agent compares multiple companies to find the best policy for your needs. 

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central insurnace companies
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InformationFind the Best Insurance in Your City

Now, let's take a quick peak at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


CityCommute time (min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Atlanta24.49.13$2,208$184
Columbus19.95.67$2,574$215
Augusta20.72.98$2,172$181
Savannah192.57$2,532$211
Athens17.42.5$2,616$218
Decatur22.92.96$2,916$243
Macon19.35.36$2,364$197
Roswell25.30.75$2,496$208
Albany15.81.98$2,112$176
Duluth30.61.48$3,660$305
Statesboro171.25$2,238$187
Dalton17.81.61$2,592$216
Douglasville29.82.55$3,660$305
Warner Robi20.92.81$2,238$187
Alpharetta25.90.5$2,574$215
Marietta26.33.49$3,660$305
Valdosta17.32.56$1,788$149
Smyrna27.42.18$2,616$218
Lawrencevill32.41.78$3,660$305
Rome20.81.96$2,112$176
Peachtree City24.71.27$2,346$196
Gainesville22.82.22$2,160$180
Milledgeville16.90.82$1,990$166
Woodstock351.98$2,064$172
Suwanee302.32$2,358$197

Augusta, GA Car Insurance 

The average monthly cost of car insurance in Augusta is $181. Your car insurance rate will be based on a variety of personal factors like your age, your vehicle, and your driving record. It could be higher or lower than the average.

The more time you spend driving, the higher your risk will be for car accidents. Augusta drivers have commutes that are shorter than the national average, which may lead to some savings on your monthly premium. 

If you live in a dangerous area, you face a higher risk for auto theft and vandalism. Augusta's auto theft rate is higher than the national average, and this could increase your car insurance rates.

Decatur, GA Car Insurance 

The average monthly cost of auto insurance in Decatur is $197. Your quoted monthly rate will be dependent on several factors like your age, your gender, and your driving history. Your personal rate could therefore be significantly higher or lower than average.

When you spend a lot of time on the road, your risk for auto accidents tends to increase. Decatur drivers typically have commutes that are shorter than the national average, which helps keep down costs for auto coverage. 

Decatur drivers should always take precautions to avoid auto theft, but there is no guarantee that you won't become a victim. Luckily, Decatur has a theft rate that is lower than the national average, and this might help decrease insurance rates.

Macon, GA Car Insurance 

The average monthly cost of auto insurance in Macon is $197. Of course, rates can vary significantly from one driver to the next. Your monthly cost will be based on your vehicle, your driving record, and several other factors.

Macon drivers spend less time on the road than the average national driver, which could reduce insurance rates. Longer commutes increase the odds of an accident, which tends to drive up the cost of insurance in some areas.

In cities with high crime rates, residents face an elevated risk for vehicle theft and vandalism. The theft rate in Macon is much higher than the national average, which can make including comprehensive or “other than collision” coverage to your auto policy incredibly valuable for local drivers.

Roswell, GA Car Insurance 

The average monthly cost of auto insurance in Roswell is $208. A variety of factors will influence your actual monthly car insurance rates. These include such things as your age, your driving history, and the type, or types, of vehicle you drive, and who in your household may be driving them.

When you spend a lot of time on the road, you run a higher risk for car accidents. Roswell drivers have longer commutes than the average national driver, and this could cause a slight increase in local car insurance rates.

Auto theft rates are also important because they help assess your risk of having your vehicle stolen. Fortunately, car theft is pretty rare in Roswell, and this could help you score some savings on insurance, particularly if you are including comprehensive coverage as part of your policy.

Albany, GA Car Insurance 

The average monthly cost of car insurance in Albany is $176. Car insurance rates are customized for each driver. Your monthly cost could be significantly higher or lower than average, depending on several factors including your vehicle, your age, and your driving history.

Longer commutes put drivers at a higher risk for car accidents. In Albany, commute times are typically lower than the national average, which could help reduce your rates.

If you live in a city that has ongoing issues with crime, you face a bigger risk that your car might be stolen or vandalized. Fortunately, auto theft rates in Albany are a little lower than the national average, which may help lower car insurance rates, particularly if you are including “other than collision” coverage in your policy.

Duluth, GA Car Insurance 

The average monthly cost of car insurance in Duluth is $305. Of course, every driver has a personalized rate for their car insurance coverage, and it's based on several factors. Depending on such things as your vehicle, your age, and your driving record, you might pay significantly more or less for coverage in Duluth. 

The more time you spend driving on the busy roadways, the more likely you are to get into an accident. Duluth drivers tend to have long commutes, which may increase their rates for car insurance coverage.

Fortunately, Duluth has a very low auto theft rate compared with most cities across the country. That's good news because it could help decrease the cost of adding “other than collision”coverage to your auto insurance policy.