Compare car insurance in Georgia

Georgia’s average annual cost for car insurance is $1,382.52 annually or about $115 monthly, according to the National Association of Insurance Commissioners (NAIC). The state’s average sits 16% above the national average of $1,190 per year.

However, because your car insurance rate depends on many factors like your driving record and exact car, you may or may not pay close to this amount. Plus, the NAIC’s cost includes policies both with state minimum coverage as well as higher coverage like comprehensive and collision. The coverage you choose will affect whether your rates cost more or less than Georgia’s average.

State minimum car insurance requirements in Georgia

To legally drive in Georgia, you need a minimum amount of liability insurance. You may see the amount of coverage required written as 25/50/25, called the coverage limits. These limits tell you how much your insurance company will pay after an accident — in this case, an accident you cause.

Let’s look in detail at what’s covered by Georgia’s state minimum requirements.

Most popular Georgia auto insurance companies list

Which city has the cheapest car insurance in Georgia?

Of Georgia’s largest cities, Marietta has the cheapest rates and Alpharetta has the most expensive car insurance rates. Alpharetta drivers could face rates six times more than Marietta drivers.

• Lawrenceville
• Suwanee
• Marietta
• Alpharetta

Can I get SR-22 insurance in Georgia?

Yes, you can. You might need an SR-22 in Georgia if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. The state DMV might require you to file for SR-22 to prove you have the minimum coverage required to get back behind the wheel.

How to file an SR-22 in Florida

Bottom line

Car insurance is both legally required and oftentimes a good decision for your own safety. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.

Frequently asked questions about car insurance in Georgia

• Is my out-of-state insurance policy acceptable in Georgia?

  Your out-of-state insurance policy will usually be accepted in Georgia so long as it fulfills the state requirements, however there are always exceptions. If you’re unsure whether or not your coverage will transfer, you can call your local Georgian DMV and your insurance company.

• Will my rates go up if I file a claim through my car insurance?

  While each car insurance policy varies, it’s possible that your car insurance rates will go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.

• Can my insurance company cancel my policy if I file a claim?

  It could: Your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs. You will typically receive notice from your car insurance company before it plans to cancel your policy.

• How do I register my car in Georgia?

  Before you register your car in Georgia, you’ll need to transfer your license. Using your temporary driver’s license, you can visit the County Tax Commissioner’s Office and register your car.