Auto Insurance in Georgia — Average Cost 2026
Average auto insurance in Georgia: $2,180/year ($182/month). Georgia ranks #46 out of 51 states — above the national average.
Average annual
$2,180
Average monthly
$182
National rank
#46
of 51 states
vs national avg
+22.5%
Georgia vs national average
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Auto insurance in Georgia
Georgia sits 22% above the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Georgia tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Georgia drivers hundreds of dollars annually.