Average car insurance cost in Georgia (2026)
Drivers in Georgia pay an average of $259 a month for full coverage and $157 a month for liability only.
Full coverage / month
$259
Liability only / month
$157
Full coverage / year
$3,108
Liability only / year
$1,884
Cost rank
#5 of 51
1 = most expensive. Liability-only rank: #8.
Averages are a starting point. Estimate your cost in Georgia
How Georgia compares
The full-coverage average of $259 is 49% above the average across states ($174), and the liability-only average of $157 is 61% above the average across states ($98). Georgia is one of the 10 most expensive places in our table. That is $42 a month below Maryland, the highest, and $174 above New Hampshire, the lowest.
Full coverage vs liability only in Georgia
Full coverage costs $102 more per month than liability only in Georgia, or $1,224 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Georgia by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Nevada | $261 | $165 | +$2 |
| New Jersey | $257 | $181 | -$2 |
| South Carolina | $255 | $159 | -$4 |
| Delaware | $263 | $167 | +$4 |
| Florida | $235 | $143 | -$24 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Georgia averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $259 | $157 |
| Same driver, age 20-24 | $376 | $228 |
| Same driver, one ticket | $316 | $192 |
| Same driver, one at-fault accident | $368 | $223 |
| Same driver, sports car | $337 | $204 |
Frequently asked questions
How much does car insurance cost in Georgia?
The average in Georgia is $259 a month ($3,108 a year) for full coverage and $157 a month ($1,884 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Georgia expensive compared with other states?
Georgia ranks 5th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 49% above the average across states of $174 a month.
How much more does full coverage cost than liability only in Georgia?
On average, full coverage costs $102 more per month in Georgia, or $1,224 more per year. That is 65% more than the liability-only average.
How much could an at-fault accident change an estimate in Georgia?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Georgia rises from $259 to about $368 a month, or about $109 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.