Georgia · Auto Insurance
Georgia Auto Insurance Guide
Average premiums, state minimum requirements, and a personalized calculator for Georgia auto insurance.
State Avg Annual
$1,746
Minimum Liability
25/50/25
No-Fault State
No
State Code
GA
Estimated Premium
$149/ month
$1,783 per year
State base rate$1,872
Age factor×1.00
Vehicle factor×1.00
Driving history factor×1.00
Coverage tier factor×1.00
About auto insurance in Georgia
Georgia drivers pay an average of $1,746 per year for auto insurance. The state requires minimum liability limits of 25/50/25 (bodily injury per person / per accident / property damage).
Georgia is an at-fault state — the driver responsible for the accident is liable for damages.
Recommended coverage
State minimums are rarely enough. Most households should carry at least 100/300/100 liability, plus uninsured/underinsured motorist coverage.