✓ Updated January 2026
Georgia Auto Insurance Requirements & Costs
Complete guide to Georgia car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.
Key Takeaways: Georgia Auto Insurance Data
Data Source: All rates and statistics on this page are based on real first-party auto insurance quotes collected by our licensed agents in Georgia. This is not national average data or advertised rates—these numbers reflect actual consumer quote activity in Georgia during 2026.
Average Monthly Rate in GA
$206
Based on real quotes from our licensed agents, Georgia drivers pay an average of $206 per month for auto insurance
Price Range Across Carriers
$197-$215
Rates vary by only $18 (9%) between the lowest (Travelers at $197) and highest (National General at $215) in our Georgia data
Full vs Liability Coverage
Varies Widely
Nationally, full coverage averages $416/month vs $144/month for liability only – a significant difference that varies by carrier and driver profile
Shopping Comparison Value
9% Spread
With a 9% price spread between carriers in Georgia, comparing quotes can save you money – even small differences add up over time
Georgia Auto Insurance Requirements
Georgia law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.
At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.
| Coverage Type | Minimum Required | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Medical expenses and lost wages for one person injured in an accident you cause |
| Bodily Injury (per accident) | $50,000 | Total medical expenses and lost wages for all people injured in an accident you cause |
| Property Damage | $25,000 | Damage to another person’s vehicle or property in an accident you cause |
Important: These are legal minimums. Most drivers benefit from higher coverage limits to protect against serious accidents. Consider 50/100/50 or 100/300/100 for better protection.
Optional but Recommended Coverage
While not legally required, these coverages provide crucial protection:
- Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
- Collision: Covers damage to your vehicle from accidents, regardless of fault
- Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
- Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault
Learn more about different coverage types on our auto insurance guide, or explore Georgia liability insurance options in detail.
Average monthly auto insurance rate by state
- Pricing ranges from $194.57 (GA) to $194.57 (GA) ... a spread of $0.00.
- Based on real auto insurance quotes grouped into 1 company results, the average across this view is $194.57. The spread is about 0% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1175 | 20260121-072537-5884 | 2026-01-21 | GA | ROYSTON | 30662 | 2025 | CHEVROLET | TRAX 1RS | 72 | male | married | full_coverage | Progressive POP | 97.00 | 0 | 0 | 0 |
| 1175 | 20260121-072537-5884 | 2026-01-21 | GA | ROYSTON | 30662 | 2025 | CHEVROLET | TRAX 1RS | 72 | male | married | full_coverage | Progressive POP | 97.00 | 0 | 0 | 0 |
| 1174 | 20260203-0710-6177 | 2026-02-03 | GA | LAWRENCEVILLE | 30043 | 2015 | NISSAN | ALTIMA SL | 37 | male | single | liability_only | AssuranceAmerica MobileMax | 199.99 | 0 | 0 | 0 |
| 1173 | 20260203-0710-9305 | 2026-02-03 | GA | STOCKBRIDGE | 30281 | 2017 | TOYOTA | COROLLA LE ECO | 27 | male | single | liability_only | 0.00 | 0 | 0 | 0 | |
| 1172 | 20251129-071940-8489 | 2025-11-29 | GA | DUNWOODY | 30346 | 2019 | MERCEDES BENZ | CLS AMG 53 4MATIC | 47 | male | married | full_coverage | Progressive | 410.56 | 0 | 0 | 0 |
| 1171 | 20260203-0708-9287 | 2026-02-03 | GA | WASHINGTON | 30673 | 2015 | NISSAN | ALTIMA S | 33 | female | single | full_coverage | National General Value | 351.86 | 0 | 0 | 0 |
| 1170 | 20260203-0706-5602 | 2026-02-03 | GA | MORROW | 30260 | 2023 | NISSAN | ROGUE SL | 60 | female | single | full_coverage | Travelers | 160.50 | 0 | 0 | 0 |
| 1169 | 20260203-0705-3183 | 2026-02-03 | GA | KINGSLAND | 31548 | 2017 | CHEVROLET | EQUINOX LT | 35 | female | single | full_coverage | National General Value | 172.27 | 0 | 0 | 0 |
| 1169 | 20260203-0705-3183 | 2026-02-03 | GA | KINGSLAND | 31548 | 2017 | CHEVROLET | EQUINOX LT | 35 | female | single | full_coverage | National General Value | 172.27 | 0 | 0 | 0 |
| 1168 | 20260203-0704-5569 | 2026-02-03 | GA | MARTIN | 30557 | 2012 | MITSUBISHI | GALANT FE | 22 | male | married | liability_only | Progressive (from TurboRater) | 136.96 | 0 | 0 | 0 |
| 1168 | 20260203-0704-5569 | 2026-02-03 | GA | MARTIN | 30557 | 2012 | MITSUBISHI | GALANT FE | 22 | male | married | liability_only | Progressive (from TurboRater) | 136.96 | 0 | 0 | 0 |
| 1167 | 20260203-0703-7442 | 2026-02-03 | GA | VILLA RICA | 30180 | 1998 | CHEVROLET | C1500 | 41 | male | single | full_coverage | AssuranceAmerica | 181.99 | 0 | 0 | 0 |
| 941 | 20260128-0624-5384 | 2026-01-28 | GA | Buford | 30519 | 2001 | FORD | MUSTANG | 27 | male | single | liability_only | National General | 215.00 | 0 | 0 | 0 |
| 940 | 20260128-0623-4160 | 2026-01-28 | GA | LAWRENCEVILLE | 30044 | 2018 | HYUNDAI | SANTA FE SPORT | 24 | male | single | full_coverage | Travelers | 197.00 | 1 | 0 | 0 |
How Violations & Risk Factors Affect Your Rates
Your driving record and risk profile significantly impact insurance costs in Georgia. Understanding these factors helps you anticipate rate changes and make informed decisions.
Understanding SR-22 Insurance in Georgia
An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Georgia Department of Driver Services (DDS). You may need an SR-22 if you have:
- DUI or DWI conviction
- Multiple traffic violations in a short period
- At-fault accident without insurance
- License suspension or revocation
- Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Georgia.
Need SR-22 insurance? Learn more about SR-22 insurance in Georgia and get quotes from providers who specialize in high-risk coverage.
SR22 vs non SR22 rate comparison
Source ... A Plus Insurance Quote Dataset
Liability only
- Across 1 areas, Non SR22 avg monthly averages $157.97 per month while SR22 avg monthly averages $107.50 ... a typical gap of $-50.47.
- This gap is often driven by underwriting tolerance and the way coverage is structured within each group.
- Use filters to compare similar coverage, then review the evidence table for context.
| State | Non SR22 avg monthly | SR22 avg monthly | Dollar difference |
|---|---|---|---|
| GA | $157.97 | $107.50 | $-50.47 |
Full coverage
| State | Non SR22 avg monthly | SR22 avg monthly | Dollar difference |
|---|---|---|---|
| GA | $204.49 |
Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.
Evidence (records used)
| Record ID | Agent | Agent NPN | State | City | ZIP | Age | Sex | Marital Status | Currently Insured | Prior Carrier | Vehicle Year | Vehicle Make | Vehicle Model | Coverage Package | Carrier Quoted | Monthly Premium | SR22 Required | DUI Flag | DUI Count | Accidents Count | Violations Count | Created At |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1175 | Ruby Finley | 21453504 | GA | ROYSTON | 30662 | 72 | male | married | yes | All Other Standard Companie | 2025 | CHEVROLET | TRAX 1RS | full_coverage | Progressive POP | 97.000000 | no | no | 0 | 0 | 0 | 2026-02-03 14:25:37 |
| 1175 | Ruby Finley | 21453504 | GA | ROYSTON | 30662 | 72 | male | married | yes | All Other Standard Companie | 2025 | CHEVROLET | TRAX 1RS | full_coverage | Progressive POP | 97.000000 | no | no | 0 | 0 | 0 | 2026-02-03 14:25:37 |
| 1174 | GA | LAWRENCEVILLE | 30043 | 37 | male | single | yes | All Other Standard Companie | 2015 | NISSAN | ALTIMA SL | liability_only | AssuranceAmerica MobileMax | 199.990000 | no | no | 0 | 0 | 0 | 2026-02-03 14:24:06 | ||
| 1173 | Crystal Farley | 18863693 | GA | STOCKBRIDGE | 30281 | 27 | male | single | no | None | 2017 | TOYOTA | COROLLA LE ECO | liability_only | yes | no | 0 | 0 | 0 | 2026-02-03 14:20:42 | ||
| 1172 | GA | DUNWOODY | 30346 | 47 | male | married | yes | PROGRESSIVE INSURANCE | 2019 | MERCEDES BENZ | CLS AMG 53 4MATIC | full_coverage | Progressive | 410.560000 | no | no | 0 | 0 | 0 | 2026-02-03 14:19:40 | ||
| 1171 | GA | WASHINGTON | 30673 | 33 | female | single | no | None | 2015 | NISSAN | ALTIMA S | full_coverage | National General Value | 351.860000 | no | no | 0 | 0 | 0 | 2026-02-03 14:18:05 | ||
| 1170 | Ashley Ledbetter | 20013497 | GA | MORROW | 30260 | 60 | female | single | yes | All Other Non Voluntary Comp | 2023 | NISSAN | ROGUE SL | full_coverage | Travelers | 160.500000 | no | no | 0 | 0 | 0 | 2026-02-03 14:16:14 |
| 1169 | GA | KINGSLAND | 31548 | 35 | female | single | yes | USAA CASUALTY INS CO | 2017 | CHEVROLET | EQUINOX LT | full_coverage | National General Value | 172.270000 | no | no | 0 | 0 | 0 | 2026-02-03 14:15:27 | ||
| 1169 | GA | KINGSLAND | 31548 | 35 | female | single | yes | USAA CASUALTY INS CO | 2017 | CHEVROLET | EQUINOX LT | full_coverage | National General Value | 172.270000 | no | no | 0 | 0 | 0 | 2026-02-03 14:15:27 | ||
| 1168 | Ruby Finley | 21453504 | GA | MARTIN | 30557 | 22 | male | married | no | None | 2012 | MITSUBISHI | GALANT FE | liability_only | Progressive (from TurboRater) | 136.960000 | no | no | 0 | 0 | 0 | 2026-02-03 14:09:44 |
| 1168 | Ruby Finley | 21453504 | GA | MARTIN | 30557 | 22 | male | married | no | None | 2012 | MITSUBISHI | GALANT FE | liability_only | Progressive (from TurboRater) | 136.960000 | no | no | 0 | 0 | 0 | 2026-02-03 14:09:44 |
| 1167 | GA | VILLA RICA | 30180 | 41 | male | single | no | None | 1998 | CHEVROLET | C1500 | full_coverage | AssuranceAmerica | 181.990000 | no | no | 0 | 0 | 0 | 2026-02-03 14:08:43 | ||
| 941 | GA | Buford | 30519 | 27 | male | single | yes | All Other Standard Companies | 2001 | FORD | MUSTANG | liability_only | National General | 215.000000 | yes | no | 0 | 0 | 0 | 2026-01-28 15:09:29 | ||
| 940 | Ruby Finley | 21453504 | GA | LAWRENCEVILLE | 30044 | 24 | male | single | yes | All Other Standard Companie | 2018 | HYUNDAI | SANTA FE SPORT | full_coverage | Travelers | 197.000000 | no | no | 0 | 0 | 1 | 2026-01-28 15:07:49 |
How DUI Affects Your Georgia Insurance Rates
A DUI conviction has severe consequences for auto insurance in Georgia:
- Rate Increase: Average increase of 60-100% for 3-5 years
- SR-22 Requirement: Mandatory filing for minimum 3 years
- Limited Options: Many standard insurers will not cover DUI drivers
- Long-term Impact: DUI stays on your record for 10 years in Georgia
After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.
Common Traffic Violations and Rate Impacts in Georgia
| Violation Type | Typical Rate Increase | Duration of Impact |
|---|---|---|
| Speeding (15+ mph over) | 20-30% | 3 years |
| At-fault accident | 30-50% | 3-5 years |
| Reckless driving | 40-70% | 3-5 years |
| DUI/DWI | 60-100% | 5-10 years |
| Driving without insurance | 50-80% | 3 years |
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.
Liability only vs full coverage by company
National General
Progressive
AssuranceAmerica
Travelers
Across these carriers, liability only averages $183.98 per month, while full coverage averages $198.60. The largest gap in this view is $64.56 for Progressive.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1175 | 20260121-072537-5884 | 2026-01-21 | GA | ROYSTON | 30662 | 2025 | CHEVROLET | TRAX 1RS | 72 | male | married | full_coverage | Progressive POP | 97.00 | 0 | 0 | 0 |
| 1175 | 20260121-072537-5884 | 2026-01-21 | GA | ROYSTON | 30662 | 2025 | CHEVROLET | TRAX 1RS | 72 | male | married | full_coverage | Progressive POP | 97.00 | 0 | 0 | 0 |
| 1174 | 20260203-0710-6177 | 2026-02-03 | GA | LAWRENCEVILLE | 30043 | 2015 | NISSAN | ALTIMA SL | 37 | male | single | liability_only | AssuranceAmerica MobileMax | 199.99 | 0 | 0 | 0 |
| 1172 | 20251129-071940-8489 | 2025-11-29 | GA | DUNWOODY | 30346 | 2019 | MERCEDES BENZ | CLS AMG 53 4MATIC | 47 | male | married | full_coverage | Progressive | 410.56 | 0 | 0 | 0 |
| 1171 | 20260203-0708-9287 | 2026-02-03 | GA | WASHINGTON | 30673 | 2015 | NISSAN | ALTIMA S | 33 | female | single | full_coverage | National General Value | 351.86 | 0 | 0 | 0 |
| 1170 | 20260203-0706-5602 | 2026-02-03 | GA | MORROW | 30260 | 2023 | NISSAN | ROGUE SL | 60 | female | single | full_coverage | Travelers | 160.50 | 0 | 0 | 0 |
| 1169 | 20260203-0705-3183 | 2026-02-03 | GA | KINGSLAND | 31548 | 2017 | CHEVROLET | EQUINOX LT | 35 | female | single | full_coverage | National General Value | 172.27 | 0 | 0 | 0 |
| 1169 | 20260203-0705-3183 | 2026-02-03 | GA | KINGSLAND | 31548 | 2017 | CHEVROLET | EQUINOX LT | 35 | female | single | full_coverage | National General Value | 172.27 | 0 | 0 | 0 |
| 1168 | 20260203-0704-5569 | 2026-02-03 | GA | MARTIN | 30557 | 2012 | MITSUBISHI | GALANT FE | 22 | male | married | liability_only | Progressive (from TurboRater) | 136.96 | 0 | 0 | 0 |
| 1168 | 20260203-0704-5569 | 2026-02-03 | GA | MARTIN | 30557 | 2012 | MITSUBISHI | GALANT FE | 22 | male | married | liability_only | Progressive (from TurboRater) | 136.96 | 0 | 0 | 0 |
| 1167 | 20260203-0703-7442 | 2026-02-03 | GA | VILLA RICA | 30180 | 1998 | CHEVROLET | C1500 | 41 | male | single | full_coverage | AssuranceAmerica | 181.99 | 0 | 0 | 0 |
| 941 | 20260128-0624-5384 | 2026-01-28 | GA | Buford | 30519 | 2001 | FORD | MUSTANG | 27 | male | single | liability_only | National General | 215.00 | 0 | 0 | 0 |
| 940 | 20260128-0623-4160 | 2026-01-28 | GA | LAWRENCEVILLE | 30044 | 2018 | HYUNDAI | SANTA FE SPORT | 24 | male | single | full_coverage | Travelers | 197.00 | 1 | 0 | 0 |
Cheapest auto insurance companies
- Pricing ranges from $175.70 (Progressive) to $227.85 (National General) ... a spread of $52.15.
- Based on real auto insurance quotes grouped into 5 company results, the average across this view is $192.86. The spread is about 30% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1175 | 20260121-072537-5884 | 2026-01-21 | GA | ROYSTON | 30662 | 2025 | CHEVROLET | TRAX 1RS | 72 | male | married | full_coverage | Progressive POP | 97.00 | 0 | 0 | 0 |
| 1175 | 20260121-072537-5884 | 2026-01-21 | GA | ROYSTON | 30662 | 2025 | CHEVROLET | TRAX 1RS | 72 | male | married | full_coverage | Progressive POP | 97.00 | 0 | 0 | 0 |
| 1174 | 20260203-0710-6177 | 2026-02-03 | GA | LAWRENCEVILLE | 30043 | 2015 | NISSAN | ALTIMA SL | 37 | male | single | liability_only | AssuranceAmerica MobileMax | 199.99 | 0 | 0 | 0 |
| 1172 | 20251129-071940-8489 | 2025-11-29 | GA | DUNWOODY | 30346 | 2019 | MERCEDES BENZ | CLS AMG 53 4MATIC | 47 | male | married | full_coverage | Progressive | 410.56 | 0 | 0 | 0 |
| 1171 | 20260203-0708-9287 | 2026-02-03 | GA | WASHINGTON | 30673 | 2015 | NISSAN | ALTIMA S | 33 | female | single | full_coverage | National General Value | 351.86 | 0 | 0 | 0 |
| 1170 | 20260203-0706-5602 | 2026-02-03 | GA | MORROW | 30260 | 2023 | NISSAN | ROGUE SL | 60 | female | single | full_coverage | Travelers | 160.50 | 0 | 0 | 0 |
| 1169 | 20260203-0705-3183 | 2026-02-03 | GA | KINGSLAND | 31548 | 2017 | CHEVROLET | EQUINOX LT | 35 | female | single | full_coverage | National General Value | 172.27 | 0 | 0 | 0 |
| 1169 | 20260203-0705-3183 | 2026-02-03 | GA | KINGSLAND | 31548 | 2017 | CHEVROLET | EQUINOX LT | 35 | female | single | full_coverage | National General Value | 172.27 | 0 | 0 | 0 |
| 1168 | 20260203-0704-5569 | 2026-02-03 | GA | MARTIN | 30557 | 2012 | MITSUBISHI | GALANT FE | 22 | male | married | liability_only | Progressive (from TurboRater) | 136.96 | 0 | 0 | 0 |
| 1168 | 20260203-0704-5569 | 2026-02-03 | GA | MARTIN | 30557 | 2012 | MITSUBISHI | GALANT FE | 22 | male | married | liability_only | Progressive (from TurboRater) | 136.96 | 0 | 0 | 0 |
| 1167 | 20260203-0703-7442 | 2026-02-03 | GA | VILLA RICA | 30180 | 1998 | CHEVROLET | C1500 | 41 | male | single | full_coverage | AssuranceAmerica | 181.99 | 0 | 0 | 0 |
| 941 | 20260128-0624-5384 | 2026-01-28 | GA | Buford | 30519 | 2001 | FORD | MUSTANG | 27 | male | single | liability_only | National General | 215.00 | 0 | 0 | 0 |
| 940 | 20260128-0623-4160 | 2026-01-28 | GA | LAWRENCEVILLE | 30044 | 2018 | HYUNDAI | SANTA FE SPORT | 24 | male | single | full_coverage | Travelers | 197.00 | 1 | 0 | 0 |
Why Georgia Auto Insurance Rates Change Over Time
Auto insurance rates in Georgia fluctuate based on multiple factors. Understanding what drives these changes helps you make informed decisions about when to shop for coverage and how to manage your insurance costs effectively.
Key Factors That Affect Your Georgia Insurance Rates
- Inflation and Repair Costs: Vehicle repair costs and medical expenses increase annually, driving up premiums
- Accident Frequency: Higher accident rates in your area lead to increased premiums
- Market Competition: New insurers entering Georgia or existing ones adjusting pricing strategies
- Your Personal Profile: As your driving record, age, and credit change, your rates adjust accordingly
Best Practice: Compare quotes from at least 3-5 insurance providers every 6-12 months. The average Georgia driver who shops around saves $400+ annually. Your current insurer may gradually increase rates, banking on you not noticing. Shopping around ensures competitive pricing. Learn more about Progressive insurance in Georgia, Georgia liability insurance, and other top insurance providers.
Important: Even a single day without insurance can have serious consequences in Georgia. If your policy lapses, you face fines, potential SR-22 requirements, and significantly higher rates when you reinstate coverage.
Compare Georgia Rates Now
Get quotes from top insurers in under 5 minutes
Driver age average monthly by area
- Pricing ranges from $97.00 (72) to $410.56 (47) ... a spread of $313.56.
- Based on real auto insurance quotes grouped into 10 company results, the average across this view is $212.31. The spread is about 323% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1175 | 20260121-072537-5884 | 2026-01-21 | GA | ROYSTON | 30662 | 2025 | CHEVROLET | TRAX 1RS | 72 | male | married | full_coverage | Progressive POP | 97.00 | 0 | 0 | 0 |
| 1175 | 20260121-072537-5884 | 2026-01-21 | GA | ROYSTON | 30662 | 2025 | CHEVROLET | TRAX 1RS | 72 | male | married | full_coverage | Progressive POP | 97.00 | 0 | 0 | 0 |
| 1174 | 20260203-0710-6177 | 2026-02-03 | GA | LAWRENCEVILLE | 30043 | 2015 | NISSAN | ALTIMA SL | 37 | male | single | liability_only | AssuranceAmerica MobileMax | 199.99 | 0 | 0 | 0 |
| 1173 | 20260203-0710-9305 | 2026-02-03 | GA | STOCKBRIDGE | 30281 | 2017 | TOYOTA | COROLLA LE ECO | 27 | male | single | liability_only | 0.00 | 0 | 0 | 0 | |
| 1172 | 20251129-071940-8489 | 2025-11-29 | GA | DUNWOODY | 30346 | 2019 | MERCEDES BENZ | CLS AMG 53 4MATIC | 47 | male | married | full_coverage | Progressive | 410.56 | 0 | 0 | 0 |
| 1171 | 20260203-0708-9287 | 2026-02-03 | GA | WASHINGTON | 30673 | 2015 | NISSAN | ALTIMA S | 33 | female | single | full_coverage | National General Value | 351.86 | 0 | 0 | 0 |
| 1170 | 20260203-0706-5602 | 2026-02-03 | GA | MORROW | 30260 | 2023 | NISSAN | ROGUE SL | 60 | female | single | full_coverage | Travelers | 160.50 | 0 | 0 | 0 |
| 1169 | 20260203-0705-3183 | 2026-02-03 | GA | KINGSLAND | 31548 | 2017 | CHEVROLET | EQUINOX LT | 35 | female | single | full_coverage | National General Value | 172.27 | 0 | 0 | 0 |
| 1169 | 20260203-0705-3183 | 2026-02-03 | GA | KINGSLAND | 31548 | 2017 | CHEVROLET | EQUINOX LT | 35 | female | single | full_coverage | National General Value | 172.27 | 0 | 0 | 0 |
| 1168 | 20260203-0704-5569 | 2026-02-03 | GA | MARTIN | 30557 | 2012 | MITSUBISHI | GALANT FE | 22 | male | married | liability_only | Progressive (from TurboRater) | 136.96 | 0 | 0 | 0 |
| 1168 | 20260203-0704-5569 | 2026-02-03 | GA | MARTIN | 30557 | 2012 | MITSUBISHI | GALANT FE | 22 | male | married | liability_only | Progressive (from TurboRater) | 136.96 | 0 | 0 | 0 |
| 1167 | 20260203-0703-7442 | 2026-02-03 | GA | VILLA RICA | 30180 | 1998 | CHEVROLET | C1500 | 41 | male | single | full_coverage | AssuranceAmerica | 181.99 | 0 | 0 | 0 |
| 941 | 20260128-0624-5384 | 2026-01-28 | GA | Buford | 30519 | 2001 | FORD | MUSTANG | 27 | male | single | liability_only | National General | 215.00 | 0 | 0 | 0 |
| 940 | 20260128-0623-4160 | 2026-01-28 | GA | LAWRENCEVILLE | 30044 | 2018 | HYUNDAI | SANTA FE SPORT | 24 | male | single | full_coverage | Travelers | 197.00 | 1 | 0 | 0 |
Driver sex average monthly by area
- Pricing ranges from $185.83 (male) to $214.23 (female) ... a spread of $28.40.
- Based on real auto insurance quotes grouped into 2 company results, the average across this view is $200.03. The spread is about 15% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1175 | 20260121-072537-5884 | 2026-01-21 | GA | ROYSTON | 30662 | 2025 | CHEVROLET | TRAX 1RS | 72 | male | married | full_coverage | Progressive POP | 97.00 | 0 | 0 | 0 |
| 1175 | 20260121-072537-5884 | 2026-01-21 | GA | ROYSTON | 30662 | 2025 | CHEVROLET | TRAX 1RS | 72 | male | married | full_coverage | Progressive POP | 97.00 | 0 | 0 | 0 |
| 1174 | 20260203-0710-6177 | 2026-02-03 | GA | LAWRENCEVILLE | 30043 | 2015 | NISSAN | ALTIMA SL | 37 | male | single | liability_only | AssuranceAmerica MobileMax | 199.99 | 0 | 0 | 0 |
| 1173 | 20260203-0710-9305 | 2026-02-03 | GA | STOCKBRIDGE | 30281 | 2017 | TOYOTA | COROLLA LE ECO | 27 | male | single | liability_only | 0.00 | 0 | 0 | 0 | |
| 1172 | 20251129-071940-8489 | 2025-11-29 | GA | DUNWOODY | 30346 | 2019 | MERCEDES BENZ | CLS AMG 53 4MATIC | 47 | male | married | full_coverage | Progressive | 410.56 | 0 | 0 | 0 |
| 1171 | 20260203-0708-9287 | 2026-02-03 | GA | WASHINGTON | 30673 | 2015 | NISSAN | ALTIMA S | 33 | female | single | full_coverage | National General Value | 351.86 | 0 | 0 | 0 |
| 1170 | 20260203-0706-5602 | 2026-02-03 | GA | MORROW | 30260 | 2023 | NISSAN | ROGUE SL | 60 | female | single | full_coverage | Travelers | 160.50 | 0 | 0 | 0 |
| 1169 | 20260203-0705-3183 | 2026-02-03 | GA | KINGSLAND | 31548 | 2017 | CHEVROLET | EQUINOX LT | 35 | female | single | full_coverage | National General Value | 172.27 | 0 | 0 | 0 |
| 1169 | 20260203-0705-3183 | 2026-02-03 | GA | KINGSLAND | 31548 | 2017 | CHEVROLET | EQUINOX LT | 35 | female | single | full_coverage | National General Value | 172.27 | 0 | 0 | 0 |
| 1168 | 20260203-0704-5569 | 2026-02-03 | GA | MARTIN | 30557 | 2012 | MITSUBISHI | GALANT FE | 22 | male | married | liability_only | Progressive (from TurboRater) | 136.96 | 0 | 0 | 0 |
| 1168 | 20260203-0704-5569 | 2026-02-03 | GA | MARTIN | 30557 | 2012 | MITSUBISHI | GALANT FE | 22 | male | married | liability_only | Progressive (from TurboRater) | 136.96 | 0 | 0 | 0 |
| 1167 | 20260203-0703-7442 | 2026-02-03 | GA | VILLA RICA | 30180 | 1998 | CHEVROLET | C1500 | 41 | male | single | full_coverage | AssuranceAmerica | 181.99 | 0 | 0 | 0 |
| 941 | 20260128-0624-5384 | 2026-01-28 | GA | Buford | 30519 | 2001 | FORD | MUSTANG | 27 | male | single | liability_only | National General | 215.00 | 0 | 0 | 0 |
| 940 | 20260128-0623-4160 | 2026-01-28 | GA | LAWRENCEVILLE | 30044 | 2018 | HYUNDAI | SANTA FE SPORT | 24 | male | single | full_coverage | Travelers | 197.00 | 1 | 0 | 0 |
Auto Insurance Coverage Across Georgia Counties
Find detailed auto insurance information, rates, and requirements specific to your Georgia county.
Georgia Auto Insurance Questions Answered
What are the minimum auto insurance requirements in Georgia?
Georgia car insurance requirements mandate minimum liability coverage of 25/50/25: $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage. This is the legal minimum auto insurance Georgia drivers must carry. However, Georgia minimum car insurance may not cover all damages in serious accidents. Most Georgia auto insurance agents and financial advisors recommend higher liability limits like 50/100/50 or 100/300/100 for better protection. At A Plus Insurance, we help Georgia drivers compare cheap car insurance Georgia quotes from GEICO, Progressive, State Farm, and other carriers to find affordable auto insurance Georgia with proper coverage. Call 1.888.445.2793 or visit learnandserve.org/vipquote for free Georgia car insurance quotes meeting state requirements.
How much does car insurance cost in Georgia?
Georgia car insurance costs average $206 per month based on real quotes from our licensed Georgia insurance agents. However, cheap car insurance Georgia rates vary widely by location, age, driving record, vehicle, and coverage. Atlanta car insurance, Augusta auto insurance, and Savannah car insurance typically cost more than rural Georgia auto insurance due to accident frequency and theft. Georgia full coverage auto insurance costs more than Georgia liability only insurance. At A Plus Insurance, we compare Georgia car insurance quotes from multiple carriers to find you the cheapest auto insurance Georgia available. Get your free Georgia car insurance quote by calling 1.888.445.2793 or visiting learnandserve.org/vipquote. We help Georgia drivers find affordable car insurance Georgia with the best coverage.
Is Georgia a no-fault insurance state for auto insurance?
No, Georgia is an at-fault auto insurance state, not a no-fault state. In Georgia car insurance claims, the at-fault driver’s liability insurance pays for damages to other parties. Georgia auto insurance law requires at-fault drivers to cover injuries and property damage through their car insurance Georgia policy. This makes adequate Georgia liability insurance crucial—if you cause an accident and damages exceed your Georgia car insurance limits, you’re personally liable. This is why Georgia auto insurance experts recommend higher limits than the state minimum. At A Plus Insurance, we help Georgia drivers get proper liability coverage through cheap car insurance Georgia quotes. Call 1.888.445.2793 or visit learnandserve.org/vipquote to compare Georgia auto insurance options with adequate protection.
What happens if I get caught driving without insurance in Georgia?
Driving without car insurance Georgia results in severe penalties: minimum $200 fine (up to $1,000), Georgia driver’s license suspension, vehicle registration suspension, potential Georgia SR22 insurance requirement, and dramatically higher Georgia auto insurance rates when reinstated. Repeat Georgia uninsured driving violations carry steeper fines and jail time. If you’re in an accident without Georgia car insurance, you’re personally liable for all damages—potentially hundreds of thousands of dollars. Georgia takes uninsured motorists very seriously. At A Plus Insurance, we help Georgia drivers avoid these penalties with affordable car insurance Georgia. Get cheap car insurance Georgia quotes starting at competitive rates by calling 1.888.445.2793 or visiting learnandserve.org/vipquote. We make Georgia auto insurance affordable so you stay legal and protected.
Do I need SR-22 insurance in Georgia?
You need Georgia SR22 insurance (also called SR-22 certificate Georgia or Georgia SR22 filing) after: Georgia DUI/DWI conviction, multiple Georgia traffic violations, at-fault accident without Georgia car insurance, Georgia license suspension, or conviction for driving without insurance Georgia. The SR22 Georgia certificate isn’t separate insurance—it’s proof your Georgia auto insurance meets minimum requirements, filed with Georgia DDS (Department of Driver Services). Georgia SR22 insurance costs typically run 50-80% higher than standard Georgia car insurance due to high-risk classification. SR22 Georgia is required for 3 years. At A Plus Insurance, we specialize in cheap SR22 insurance Georgia from carriers accepting high-risk Georgia drivers. Call 1.888.445.2793 or visit learnandserve.org/vipquote for affordable Georgia SR22 car insurance quotes.
How does a DUI affect my car insurance rates in Georgia?
A Georgia DUI conviction increases car insurance Georgia rates by 60-100% immediately, with elevated Georgia auto insurance premiums lasting 5-10 years. You’ll need Georgia SR22 insurance for 3+ years after a Georgia DUI. Many standard Georgia car insurance companies won’t cover DUI drivers, forcing you into high-risk Georgia auto insurance markets. The DUI stays on your Georgia driving record 10 years. Total Georgia DUI insurance costs often exceed $10,000 over the following decade. At A Plus Insurance, we help Georgia DUI drivers find affordable SR22 insurance Georgia from carriers specializing in high-risk auto insurance Georgia. We compare cheap car insurance Georgia options for DUI drivers. Get your Georgia DUI insurance quote by calling 1.888.445.2793 or visiting learnandserve.org/vipquote.
Should I get more than minimum car insurance coverage in Georgia?
Yes, most Georgia auto insurance experts recommend higher coverage than Georgia minimum car insurance (25/50/25). Medical bills and vehicle repairs easily exceed Georgia minimum auto insurance limits, leaving you personally liable. Consider Georgia car insurance with 50/100/50 or 100/300/100 liability limits to protect assets. Also add Georgia uninsured motorist coverage since many Georgia drivers carry only minimum insurance. The cost difference between Georgia minimum car insurance and better coverage is typically just $10-30/month more. At A Plus Insurance, we help Georgia drivers find affordable auto insurance Georgia with proper protection—not just the cheapest minimum coverage. Compare Georgia car insurance quotes with higher limits by calling 1.888.445.2793 or visiting learnandserve.org/vipquote for free Georgia auto insurance quotes.
How often should I shop for new car insurance rates in Georgia?
Shop Georgia car insurance quotes every 6-12 months to ensure you have the cheapest car insurance Georgia available. Georgia auto insurance rates change frequently based on market conditions, and carriers adjust pricing strategies constantly. Your Georgia car insurance company may gradually raise rates, counting on you not shopping around. Life changes like marriage, moving within Georgia, buying a home, or improving credit significantly affect Georgia auto insurance costs. Georgia drivers who compare car insurance Georgia quotes regularly save $400+ annually. At A Plus Insurance, we make shopping Georgia auto insurance simple—get quotes from GEICO Georgia, Progressive Georgia, State Farm Georgia, and other top carriers in one place. Call 1.888.445.2793 or visit learnandserve.org/vipquote for free Georgia car insurance comparison quotes.
What’s the difference between liability and full coverage car insurance in Georgia?
Georgia liability insurance (minimum legal coverage) only covers damage you cause to others—not your own vehicle or injuries. Georgia full coverage auto insurance includes liability plus collision coverage (pays for your vehicle damage from accidents) and comprehensive coverage (covers theft, vandalism, weather damage, hitting animals). Based on real Georgia car insurance quotes, liability only Georgia is significantly cheaper but leaves you vulnerable if your car is damaged. Georgia full coverage auto insurance makes sense for newer vehicles or if you can’t afford to replace your car. At A Plus Insurance, we help Georgia drivers choose between cheap liability insurance Georgia and affordable full coverage Georgia based on vehicle value. Compare Georgia car insurance quotes by calling 1.888.445.2793 or visiting learnandserve.org/vipquote.
Where can I get cheap car insurance quotes in Georgia?
Get cheap car insurance Georgia quotes from A Plus Insurance by calling 1.888.445.2793 or visiting learnandserve.org/vipquote. We’re a licensed independent Georgia insurance agency that compares Georgia auto insurance rates from GEICO Georgia, Progressive Georgia, State Farm Georgia, Travelers Georgia, and other top carriers. We provide Atlanta car insurance quotes, Savannah auto insurance quotes, Augusta car insurance quotes, and coverage throughout Georgia. Whether you need Georgia liability insurance, Georgia full coverage, Georgia SR22 insurance, or affordable car insurance Georgia with high limits, we find the cheapest auto insurance Georgia for your situation. Our Georgia car insurance quotes are free, fast, and comprehensive. Start comparing Georgia auto insurance rates today—call 1.888.445.2793 or get your free quote at learnandserve.org/vipquote.
Ruby Finley
Insurance Agent
NPN: 21453504
Licensed insurance agent specializing in property and casualty coverage, working with a variety of trusted carriers across over 35 states.
Ruby enjoys helping people find policies that actually make sense for their situation and budget — whether that's liability, full coverage auto, renters insurance, or SR-22 filings.
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Last Updated on by Jayleen Ridgeway