McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Car insurance for a new driver in Georgia costs an average of $1,356 per year to $4,508 per year. Auto insurance premiums for new drivers in Georgia vary widely depending on a driver's age and whether they are being added to an existing policy or purchasing their own. For example, the premium increase from adding a teenager to a parent's policy is significantly less than the cost of a teenager getting their own policy.
Average Cost of Car Insurance for New Drivers in Georgia
Company | Monthly Cost | Annual Cost |
$149 per month | $1,783 per year | |
$152 per month | $1,820 per year | |
$171 per month | $2,056 per year | |
$176 per month | $2,110 per year | |
$210 per month | $2,523 per year |
Note: Premiums are representative of a 16-year-old good driver with a minimum coverage policy; individual premiums will vary.
New drivers aren't only teens and those in their early 20's. A new driver could be an adult who got their license later in life, a recent immigrant, or anyone who has a long gap in their driving or insurance history. For these types of new drivers in Georgia, insurance rates will still likely be higher than the average of $73 per month per month for an experienced adult.
A new driver's lack of experience can classify them as high risk. Once new drivers get a bit more practice and have a proven track record of safe driving, however, they'll begin to see their rates decrease.
To learn more about minimizing the cost of car insurance in Georgia, check out WalletHub's picks for the cheapest Georgia car insurance companies.
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Georgia law requires you to have $25,000 in coverage for one person’s bodily injury or death, up to $50,000 total per accident. Georgia also requires you to carry at least $25,000 in coverage for other people’s property damage when you are at fault.
How Much Car Insurance Drivers Need in Georgia
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $25,000 |
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