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Auto Insurance · State Guide

Updated: May 1, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
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Georgia Auto Insurance

Average auto insurance rates in Georgia, minimum requirements, and the cheapest carriers.

  • State: Georgia (GA)
  • Avg annual rate: $1,665

Auto insurance in Georgia

Georgia drivers pay an average of $1665 a year for full-coverage auto insurance. Georgia rates run slightly above the national average. Atlanta metro rates are significantly higher than rural rates, and the state has higher uninsured driver rates than the national average.

For drivers looking for the cheapest auto insurance in Georgia, the savings spread between carriers can exceed several hundred dollars a year for the same coverage. Comparing quotes from multiple carriers is the single biggest lever you have to lower your premium.

Georgia minimum coverage requirements

Georgia requires drivers to carry at minimum 25/50/25 liability in liability coverage. Most drivers should carry significantly more than the minimum — serious accidents routinely exceed those limits and leave drivers personally liable for the excess.

If you’re financing or leasing a vehicle, your lender will also require comprehensive and collision coverage.

Best carriers in Georgia

GEICO is headquartered in Maryland but has heavy Georgia presence and is consistently competitive. State Farm and Allstate have wide agent networks. For high-risk drivers, Direct Auto and The General often have more flexible underwriting.

Get quotes from at least three carriers — the cheapest carrier for one Georgia driver isn’t necessarily the cheapest for the next, since rates vary by ZIP code, driving record, credit, and vehicle.