How much is car insurance in Atlanta?

Car insurance in Georgia costs $91 monthly ($1,095 per year) for minimum coverage, on average, and around $206 per month ($2,476 annually) for a full-coverage policy. The cheapest insurance companies in Georgia are Clearcover, Country Financial, and Auto-Owners, but insurers calculate premiums differently, so it’s a good idea to get quotes from more companies to find the best deal.… read full answer

Average Cost of Car Insurance in Georgia by Category

• Clean driving record: $96 per month
• After an at-fault accident: $148 per month
• Driver with poor credit: $142 per month
• Teen driver: $362 per month
• After a DUI: $187 per month

The average cost of car insurance in Georgia is 52% higher than the national average auto insurance premium, and Georgia ranks 44 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you’ll pay for car insurance in Georgia, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.

Finally, it’s worth noting that car insurance premiums in Georgia are high, compared to the cost of coverage in neighboring states like Florida and South Carolina. You can find more details in the table below.

Cost of Car Insurance in Georgia vs. Neighboring States

Georgia is not a no-fault state for auto insurance. Somebody has to be found at-fault for an accident before any claims are paid. However, fault is not an either-or issue in this state. Georgia is one of 12 states that has a Modified Comparative Fault rule. That means the jury in a personal injury trial can divide fault among the drivers involved in an accident in Georgia.… read full answer

In some states with Modified Comparative Fault, you can have 99% responsibility for an accident and still place a claim against the 1% at-fault party. However, in Georgia you must be less than 50% at fault to receive any compensation from the other party. If your percentage of fault is less than 50 but more than 0, your claims are reduced by that percentage. For example, if a jury declares you to be 10% at fault because you were driving above the speed limit when the other car hit you, your claim will be reduced by 10%.

By law, motorists in Georgia must carry minimum liability insurance of $25,000 for bodily injury per person, up to $50,000 per accident, and $25,000 for property damage per accident. If an at-fault driver’s liability insurance doesn’t fully compensate the victims, the at-fault driver can be held responsible for paying the remainder out of pocket. This makes carrying extra liability insurance in Georgia well worth considering, to protect your assets and financial security.