How much is car insurance in Georgia?
Full-coverage car insurance in Georgia averaged $1,746 a year in 2023 (NAIC)—21% above the $1,439 US average and 5th highest in the US—which works out to about $2,070 a year in Georgia today (about $175 a month, brought to August 2026 with the federal price index). In Georgia, the law asks for at least 25/50/25 liability, and Georgia's 2023 liability-only average—the closest NAIC figure to a minimum policy—was $1,046 (about $1,240 today).
What people pay in Georgia: 5th highest average in the US
Typical Georgia full-coverage price today
about $2,070 a year in Georgia (about $175 a month)
Georgia's 2023 NAIC full-coverage average ($1,746) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Georgia rate depends on your car, driving history, and coverage limits.
That $1,746 2023 full-coverage figure makes Georgia the 5th most expensive of the 50 states and DC (against $1,439 nationally), with 60% going to liability ($1,046, 4th highest in the US) and 40% covering physical damage to your own vehicle. Counting every insured car in Georgia—both full-coverage and liability-only policies—Georgia drivers spent $1,555 per vehicle on average in 2023 (6th highest in the US, about $1,840 today), or 11% ($191) less than Georgia's full-coverage combined average.
How Georgia compares with Alabama, Florida, North Carolina, and 2 more bordering states
A typical policy in Georgia ($1,746 in 2023) costs more than in Alabama, North Carolina, South Carolina, and Tennessee and less than in Florida. Among Georgia's neighbors, North Carolina had the lowest 2023 average ($1,097, moving to Georgia is about $870 more a year) and Florida had the highest ($1,994, moving to Georgia is about $330 less a year).
| State | 2023 average | Moving to Georgia from there |
|---|---|---|
| Georgia | $1,746 | Current state (Georgia) |
| Alabama | $1,269 | About $640 more a year |
| Florida | $1,994 | About $330 less a year |
| North Carolina | $1,097 | About $870 more a year |
| South Carolina | $1,517 | About $310 more a year |
| Tennessee | $1,212 | About $710 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Texas ($1,727 in 2023, about $2,050 today), Rhode Island ($1,710 in 2023, about $2,030 today), New Jersey ($1,693 in 2023, about $2,010 today), and District of Columbia ($1,818 in 2023, about $2,150 today).
Georgia: 25/50/25 liability minimums
- Georgia liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Georgia
- Not required
- Medical payments in Georgia
- Not required
- No-fault system in Georgia
- No
- Uninsured motorist in Georgia
- Not confirmed yet
- Underinsured motorist in Georgia
- Not confirmed yet
Set by Georgia Office of Insurance and Safety Fire Commissioner - Auto, Georgia's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Georgia, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Georgia—the closest NAIC figure to what a Georgia minimum policy costs—averaged $1,046 in 2023 (about $1,240 in Georgia today), the 4th highest of the 50 states and DC. That makes liability 60% of Georgia's full-coverage average ($1,746), while the remaining 40% goes toward collision and comprehensive coverage for your own car.
Georgia requires at least $25,000 per person and $50,000 per crash for injuries you cause, plus $25,000 for property damage. Georgia is an at-fault state with no required PIP. We haven't yet confirmed the uninsured-motorist rule from the official code.
What we couldn’t confirm: Whether uninsured motorist coverage is included is left blank. The official Georgia code is published only through LexisNexis, which we couldn't open. Unofficial copies say this coverage is included unless you turn it down in writing, but we don't cite unofficial copies. We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- History and recent checks
- 25/50/25 has not changed. SB 121 (2025, signed) created O.C.G.A. 33-7-16, which requires 50/100/50 after a first DUI conviction and 100/300/100 after a second, for convictions on or after the Act's approval. It does not change the general minimum.
- Checked
- September 22, 2026
- Sources
- Georgia Office of Insurance and Safety Fire Commissioner - Auto
The minimum limits of liability insurance required under Georgia law are: Bodily Injury Liability – $25,000 per person and $50,000 per incident ... Property Damage Liability – $25,000 per incident
- Georgia SB 121 (2025, as passed/signed) - DUI minimums
Bodily injury to or death of one person in any one accident, not less than $50,000.00 ... shall be in lieu of the minimum ... required under Code Section 33-7-11.
- Georgia Office of Insurance and Safety Fire Commissioner - Auto
Adding a 16-year-old driver in Georgia: about $1,370 more a year
Adding a 16-year-old to a Georgia policy
about $1,370 more a year
About $115 a month (+66% over a typical Georgia adult policy of $2,070), bringing the combined Georgia family policy to roughly $2,550–$4,550 a year.
On a separate Georgia policy of their own with the same car, a 16-year-old in Georgia would pay about $5,940 a year (roughly $4,500–$8,450), so sharing a parent's Georgia policy saves about $4,570 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Georgia's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Georgia
In Georgia, the 2022 Subaru Forester and Outback come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $1,220 more a year on a Georgia policy, versus about $2,050 more a year for the 2022 Tesla Model 3 at the top of Georgia's list.
| 2022 model | Added to a Georgia policy | Own Georgia policy |
|---|---|---|
| 2022 Subaru Forester | +$1,220 in Georgia | $5,300 in Georgia |
| 2022 Subaru Outback | +$1,220 in Georgia | $5,310 in Georgia |
| 2022 Subaru Crosstrek | +$1,230 in Georgia | $5,330 in Georgia |
| 2022 Honda CR-V | +$1,310 in Georgia | $5,700 in Georgia |
| 2022 Toyota RAV4 | +$1,330 in Georgia | $5,790 in Georgia |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Georgia
In Georgia, a 45-year-old with full coverage pays from about $2,100 a year for a 2024 GMC Yukon to about $2,480 for a 2024 Jeep Compass on these Georgia sample models.
| Car | 45-year-old in Georgia | Adding a teen in Georgia |
|---|---|---|
| 2024 GMC Yukon | about $2,100 a year | +$1,380 a year |
| 2024 Jeep Grand Cherokee | about $2,350 a year | +$1,550 a year |
| 2024 Jeep Compass | about $2,480 a year | +$1,640 a year |
| 2024 Nissan Pathfinder | about $2,300 a year | +$1,520 a year |
| 2024 Nissan Murano | about $2,350 a year | +$1,550 a year |
| 2024 Volkswagen Tiguan | about $2,190 a year | +$1,440 a year |
| 2024 Volkswagen Atlas | about $2,110 a year | +$1,390 a year |
| 2024 Volkswagen Taos | about $2,190 a year | +$1,450 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Georgia
- How much is car insurance in Georgia?
- In Georgia, full-coverage car insurance averaged $1,746 a year in 2023 (the 5th most expensive of the 50 states and DC per NAIC), or about $2,070 a year ($175 a month) in Georgia as of August 2026. Georgia liability-only coverage averaged $1,046 in 2023 (60% of Georgia's full-coverage figure, or about $1,240 today), and Georgia drivers spent $1,555 per insured car across all policies.
- What are the minimum car insurance limits in Georgia?
- Under Georgia Office of Insurance and Safety Fire Commissioner - Auto, Georgia requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. 25/50/25 has not changed. SB 121 (2025, signed) created O.C.G.A. 33-7-16, which requires 50/100/50 after a first DUI conviction and 100/300/100 after a second, for convictions on or after the Act's approval. It does not change the general minimum.
- How much does adding a 16-year-old teen driver cost in Georgia?
- Adding a 16-year-old to a parent's full-coverage policy in Georgia adds about $1,370 more a year ($115 a month), bringing the Georgia household policy to roughly $2,550–$4,550 a year versus about $5,940 a year (roughly $4,500–$8,450) on a standalone Georgia teen policy.
- Is Georgia a no-fault car insurance state?
- No—Georgia is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Georgia does not require personal injury protection (PIP).
- How does Georgia's car insurance cost compare with Alabama?
- Georgia averaged $1,746 for full coverage in 2023 (NAIC) against $1,269 in Alabama (38% more than Alabama), and moving a sample policy from Alabama to Georgia today is about $640 more a year. Other bordering states averaged $1,994 in Florida, $1,097 in North Carolina, $1,517 in South Carolina, and $1,212 in Tennessee in 2023.
Sources for Georgia
- Georgia average premiums ($1,746 full coverage, $1,046 liability-only, $1,555 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Georgia minimum coverage statutes (Georgia Office of Insurance and Safety Fire Commissioner - Auto; Georgia SB 121 (2025, as passed/signed) - DUI minimums), checked September 22, 2026. Page updated for Georgia. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.