Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Georgia apart
At-fault; rates climbing with Atlanta-metro litigation and theft.
Minimum vs. full coverage in Georgia
What each coverage level costs on the Georgia average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $1,060 | $88 |
| Liability Only | $1,710 | $142 |
| Full | $3,110 | $259 |
| Full Low Deductible | $3,790 | $316 |
Minimum coverage saves about $2,049/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
Georgia car insurance FAQ
- What's the minimum car insurance required in Georgia?
- Georgia's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $1,060/yr but leaves you exposed above those caps.
- How much is full coverage in Georgia?
- Representative full coverage averages $3,109/yr (about $259/mo), ranking Georgia #49 of 51 states for cost.
- Why is Georgia car insurance priced the way it is?
- At-fault; rates climbing with Atlanta-metro litigation and theft.