Cheapest Car Insurance in Georgia

Georgia, the last of the original Thirteen Colonies, is known as the “Empire of the South.” It’s easy to see why when one drives through the stately plantations, downtown Atlanta and lush swamplands. Earning its “Peach State” nickname, this southern belle defines southern hospitality. Drivers fortunate enough to find themselves driving through this state will be happy to know that CheapCarInsurance.net has brought together all the most important information about regulations and auto insurance to keep them safe and prepared on the road and to help them find cheap car insurance in Georgia. Cheap auto insurance in GA can be overwhelming to find, but we will do all the insurance work and find the cheapest type of auto insurance and the cheapest auto insurance prices for you!

Average Car Insurance Costs in GA

While NAIC.org reveals Georgia’s consistency in keeping its average auto insurance premiums below the national average, it also reveals Georgia’s mixed relationship with the national average regarding average car insurance premiums as a percentage of income. Recently, though, Georgia has once again surpassed the national average.

Costs by County:	Sedan:	SUV:	Coupe:	Truck:	Hybrid:
Appling	$1,058	$948	$1,026	$1,027	$1,117
Atkinson	$983	$884	$952	$1,022	$1,034
Bacon	$1,093	$976	$1,061	$1,027	$1,155
Baker	$968	$870	$939	$1,006	$1,018
Baldwin	$1,098	$977	$1,064	$1,027	$1,157
Banks	$1,036	$933	$1,000	$1,027	$1,085
Barrow	$1,020	$917	$987	$1,064	$1,068
Bartow	$1,038	$933	$1,005	$1,067	$1,089
Ben Hill	$1,038	$898	$998	$1,027	$1,099
Berrien	$944	$849	$916	$981	$993
Bibb	$1,032	$926	$998	$1,047	$1,083
Bleckley	$1,005	$903	$974	$1,027	$1,058
Brantley	$919	$828	$890	$957	$964
Brooks	$947	$853	$918	$987	$995
Bryan	$944	$849	$916	$983	$991
Bulloch	$1,028	$923	$997	$1,027	$1,083
Burke	$987	$886	$957	$1,026	$1,039
Butts	$1,107	$977	$1,069	$1,027	$1,160
Calhoun	$968	$870	$939	$1,006	$1,018
Camden	$838	$759	$812	$876	$876
Candler	$1,063	$954	$1,028	$1,027	$1,120
Carroll	$1,008	$905	$978	$1,049	$1,060
Catoosa	$1,057	$947	$1,025	$1,091	$1,111
Charlton	$983	$884	$952	$1,023	$1,034
Chatham	$993	$897	$959	$1,045	$1,036
Chattahoochee	$986	$888	$955	$1,034	$1,033
Chattooga	$1,028	$919	$999	$1,064	$1,085
Cherokee	$1,026	$923	$992	$1,067	$1,073
Clarke	$968	$874	$936	$1,018	$1,013
Clay	$1,047	$937	$1,017	$1,027	$1,107
Clayton	$1,075	$970	$1,036	$1,129	$1,123
Clinch	$865	$781	$838	$900	$906
Cobb	$1,030	$929	$995	$1,081	$1,074
Coffee	$983	$884	$952	$1,023	$1,034
Colquitt	$988	$888	$958	$1,027	$1,041
Columbia	$1,050	$943	$1,017	$1,027	$1,102
Cook	$947	$853	$918	$987	$995
Coweta	$1,041	$935	$1,008	$1,027	$1,093
Crawford	$1,032	$926	$1,000	$1,027	$1,087
Crisp	$985	$886	$955	$1,025	$1,037
Dade	$1,117	$994	$1,087	$1,091	$1,182
Dawson	$1,071	$961	$1,036	$1,067	$1,124
Decatur	$1,000	$899	$968	$1,027	$1,052
Dekalb	$1,040	$937	$1,005	$1,093	$1,085
Dodge	$987	$887	$956	$1,026	$1,038
Dooly	$987	$887	$956	$1,026	$1,038
Dougherty	$984	$887	$951	$1,027	$1,030
Douglas	$1,036	$934	$1,000	$1,084	$1,081
Early	$1,047	$937	$1,017	$1,027	$1,107
Echols	$983	$842	$952	$939	$1,034
Effingham	$998	$896	$969	$1,027	$1,051
Elbert	$1,131	$977	$1,096	$1,027	$1,194
Emanuel	$1,021	$917	$989	$1,027	$1,074
Evans	$1,005	$901	$975	$1,027	$1,061
Fannin	$1,137	$996	$1,099	$1,067	$1,195
Fayette	$1,002	$905	$966	$1,027	$1,046
Floyd	$989	$889	$959	$1,032	$1,040
Forsyth	$1,032	$930	$997	$1,067	$1,078
Franklin	$1,049	$942	$1,015	$1,027	$1,103
Fulton	$1,003	$906	$968	$1,055	$1,043
Gilmer	$1,137	$1,015	$1,099	$1,067	$1,195
Glascock	$987	$886	$957	$1,026	$1,039
Glynn	$870	$785	$844	$907	$911
Gordon	$1,011	$908	$981	$1,053	$1,063
Grady	$1,000	$899	$968	$1,027	$1,052
Greene	$1,035	$928	$1,004	$1,027	$1,092
Gwinnett	$1,094	$986	$1,055	$1,071	$1,140
Habersham	$1,018	$913	$988	$1,056	$1,072
Hall	$1,083	$973	$1,046	$1,067	$1,133
Hancock	$987	$886	$957	$1,026	$1,039
Haralson	$1,057	$950	$1,024	$1,067	$1,110
Harris	$1,009	$906	$979	$1,027	$1,065
Hart	$1,049	$942	$1,015	$1,027	$1,103
Heard	$1,053	$943	$1,021	$1,027	$1,111
Henry	$1,078	$973	$1,038	$1,027	$1,124
Houston	$925	$836	$894	$969	$966
Irwin	$1,038	$896	$996	$1,027	$1,098
Jackson	$1,062	$954	$1,028	$1,027	$1,116
Jasper	$1,116	$977	$1,084	$1,027	$1,181
Jeff Davis	$1,093	$976	$1,061	$1,027	$1,155
Jefferson	$1,026	$922	$996	$1,027	$1,083
Jenkins	$1,079	$965	$1,048	$1,027	$1,142
Johnson	$1,026	$922	$996	$1,027	$1,083
Jones	$1,154	$997	$1,113	$1,047	$1,208
Lamar	$1,025	$921	$993	$1,027	$1,079
Lanier	$865	$781	$838	$900	$906
Laurens	$1,021	$917	$989	$1,027	$1,074
Lee	$1,030	$925	$998	$1,027	$1,084
Liberty	$928	$836	$899	$967	$972
Lincoln	$1,054	$947	$1,019	$1,027	$1,106
Long	$941	$846	$913	$979	$988
Lowndes	$845	$764	$819	$881	$884
Lumpkin	$1,068	$954	$1,038	$1,067	$1,129
Macon	$1,014	$909	$983	$1,047	$1,068
Madison	$1,011	$910	$978	$1,027	$1,060
Marion	$1,120	$977	$1,090	$1,027	$1,189
Mcduffie	$1,056	$948	$1,024	$1,027	$1,113
Mcintosh	$919	$828	$890	$957	$964
Meriwether	$1,033	$927	$1,002	$1,027	$1,090
Miller	$1,047	$937	$1,017	$1,027	$1,107
Mitchell	$988	$888	$958	$1,027	$1,041
Monroe	$1,025	$921	$993	$1,027	$1,079
Montgomery	$1,063	$954	$1,028	$1,027	$1,120
Morgan	$1,024	$921	$992	$1,027	$1,077
Murray	$1,137	$974	$1,099	$1,067	$1,195
Muscogee	$986	$888	$955	$1,034	$1,033
Newton	$1,042	$940	$1,005	$1,027	$1,088
Oconee	$1,023	$921	$989	$1,027	$1,072
Oglethorpe	$1,011	$910	$978	$1,027	$1,060
Paulding	$1,149	$1,015	$1,112	$1,067	$1,208
Peach	$979	$881	$947	$1,021	$1,026
Pickens	$1,062	$953	$1,027	$1,067	$1,115
Pierce	$1,093	$961	$1,061	$1,027	$1,155
Pike	$1,081	$971	$1,044	$1,027	$1,135
Polk	$1,056	$946	$1,024	$1,067	$1,112
Pulaski	$1,005	$903	$974	$1,027	$1,058
Putnam	$987	$886	$957	$1,026	$1,039
Quitman	$968	$870	$939	$1,006	$1,018
Rabun	$1,018	$913	$988	$1,056	$1,072
Randolph	$968	$870	$939	$1,006	$1,018
Richmond	$1,002	$902	$969	$1,051	$1,049
Rockdale	$1,165	$1,021	$1,121	$1,071	$1,215
Schley	$1,120	$977	$1,090	$1,027	$1,189
Screven	$1,079	$965	$1,048	$1,027	$1,142
Seminole	$1,047	$937	$1,017	$1,027	$1,107
Spalding	$1,117	$977	$1,076	$1,027	$1,168
Stephens	$984	$886	$954	$1,030	$1,034
Stewart	$1,014	$909	$983	$1,027	$1,068
Sumter	$987	$887	$956	$1,026	$1,038
Talbot	$996	$895	$966	$1,027	$1,049
Taliaferro	$1,035	$928	$1,004	$1,027	$1,092
Tattnall	$1,005	$901	$975	$1,027	$1,061
Taylor	$1,047	$939	$1,016	$1,027	$1,106
Telfair	$987	$887	$956	$1,026	$1,038
Terrell	$968	$870	$939	$1,006	$1,018
Thomas	$1,017	$913	$987	$1,027	$1,072
Tift	$985	$886	$955	$1,025	$1,037
Toombs	$1,063	$954	$1,028	$1,027	$1,120
Towns	$1,014	$908	$985	$1,051	$1,070
Treutlen	$1,063	$954	$1,028	$1,027	$1,120
Troup	$1,000	$898	$971	$1,027	$1,055
Turner	$985	$886	$955	$1,025	$1,037
Twiggs	$1,030	$925	$998	$1,027	$1,084
Union	$1,068	$954	$1,038	$1,067	$1,129
Upson	$1,025	$921	$993	$1,027	$1,079
Walker	$996	$893	$968	$1,032	$1,050
Walton	$1,125	$1,007	$1,090	$1,067	$1,183
Ware	$983	$884	$952	$1,022	$1,034
Warren	$1,056	$948	$1,024	$1,027	$1,113
Washington	$1,026	$922	$996	$1,027	$1,083
Wayne	$960	$864	$930	$1,002	$1,006
Webster	$1,014	$909	$983	$1,027	$1,068
Wheeler	$1,063	$954	$1,028	$1,027	$1,120
White	$1,014	$908	$985	$1,051	$1,070
Whitfield	$996	$893	$968	$1,032	$1,050
Wilcox	$987	$887	$956	$1,026	$1,038
Wilkes	$1,111	$977	$1,076	$1,027	$1,171
Wilkinson	$1,030	$925	$998	$1,027	$1,084
Worth	$985	$886	$955	$1,025	$1,037

Minimum Requirements for Car Insurance in Georgia

For auto insurance in GA, Georgia Office of Insurance and Safety Fire Commissioner states that liability coverage is mandatory for all autos and car owners registered in Georgia.
Auto Insurance in GA Liability Coverage minimums:
- $25,000 personal injury insurance protection for each person.
- $50,000 personal injury insurance protection for multiple individuals in an accident.
- $25,000 for property damage insurance coverage.
CheapCarInsurance.net can help you find the best car insurance rates in Georgia and help local auto owners find cheap car insurance in Georgia to cover these liability coverage minimums.

To find cheap car insurance in GA, contact CheapCarInsurance.net for a quote. We compare the coverage options for auto insurance in GA to find auto owners the best cheap car insurance in GA.

New Driver License Requirements

The Georgia Department of Driver Services (DDS) requires every driver who operates an auto in the state to be licensed within 30 days of residency and to carry insurance if they do not already have insurance coverage.
Applicants ages 15 and over may obtain an Instructional Permit for the purpose of learning to drive. A parent or legal guardian must sign the application, and the applicant must pass the vision and knowledge exams. Upon issuance of the permit, the applicant may drive only when accompanied by a licensed driver age 21 or older, and with permission from the car’s owners. This permit is valid for 2 years. Though the applicant will not need their own car insurance coverage, it may be wise to expand your car insurance coverage should something happen during this stage that requires insurance. Contact us for a quote to find the best cheap car insurance in GA to cover your young driver.
Applicants at least 16 years of age may obtain a Class D Provisional License for the state of Georgia if they have held their Instruction Permit for one year and one day. Applicants must:
- Present proof of school attendance and conduct requirements outlined in the Driver’s Manual for Georgia.
- Complete an Alcohol Drug and Awareness Program (ADAP), information for which can be found at the DDS website.
- Complete a DDS-approved driver education program described in the Driver’s Manual.
- Provide evidence of 40 hours of driving training in an auto.
- Pass the Georgia road exam.
- Pay a $10 fee for the license which lasts 5 years.
The Georgia Class D Provisional License contains the following restrictions:
- The driver cannot drive between the hours of 12 am and 6 am.
- Within the first 6 months, the driver may only carry passengers described as “immediate family members”.
- During the second 6 months, one passenger under 21 who is not a member of the driver’s immediate family may accompany the driver in the auto.
- After the first 12 months, no more than three passengers under the age of 21 who are not members of the driver’s immediate family may accompany the driver in the auto.
- The driver will need insurance before driving. The liability insurance coverage minimums will need to be met when the driver receives the provisional license.
Drivers who have successfully completed the preceding steps or who are over 18 years of age may obtain a regular Class C drivers license by completing the vision, knowledge and driving exams and paying the correct fees.
Vision Exam. A visual acuity of 20/60 with or without corrective lenses is needed for the applicant to pass the vision exam. Georgia also requires a peripheral vision of 140 degrees to be cleared to obtain a license.
Knowledge Exam. The knowledge exam, consisting of two parts, evaluates the applicant’s knowledge of road rules and road signs. Helpful information for this test can be found in the Georgia Driver’s Manual. A score of 15 out of 20 is required to pass the exam.
Road Skills Test. Georgia administers the road test in English only, and the auto used must pass inspection, have insurance and be registered by the owners. The skills of the applicant will be tested in the following areas, and a score of 75 percent is needed to pass in Georgia:
- Three point turn.
- Gear shifting (if applicable to the auto).
- Yield right-of-way.
- Quick stop.
- Backing.
- Obey traffic signs and signals.
- Signal and turn.
- Passing.
- Following distance.
- Proper posture.

Applicants who fail the Knowledge Exam or Road Skills Test must wait one day to re-test. Subsequent failures require a 7 day waiting period, and any applicant who fails due to a traffic violation or accident must wait 30 days to re-test.
Fees. A regular Class C drivers license requires a $20 fee for a 5 year expiration and a $32 fee for an 8 year expiration.
Insurance. It can be overwhelming to find cheap car insurance for a newly licensed driver and for the car owners. At CheapCarInsurance.net, we compare the insurance coverage options to find cheap car insurance in GA for your newly licensed driver and any new auto owners that may need insurance. Contact us today to learn more about cheap insurance coverage options in Georgia.

DUI & DWI Laws

BAC limit: .08 Georgia law outlines the following penalties for DUI convictions in Georgia:
First Offense:
- Ages 16-20:
  - 6 to 12 month license suspension
  - $210 fine
  - Mandatory DUI School
- Over 21 years:
  - 120 days to 1 year license suspension
  - $210 fine
  - Mandatory DUI School
Second Offense within 5 Years:
- Ages 16 to 20:
  - 18 month license suspension
  - $310 fine
  - Mandatory DUI School
  - Mandatory clinical evaluation and treatment
  - Auto interlock suspension in place for 120 days to 1 year
- Over 21 years:
  - 18 month license suspension
  - $210 fine
  - Mandatory DUI School
  - Mandatory clinical evaluation and treatment
  - Auto interlock suspension in place for 120 days to 18 months
Third Offense in 5 Years:
- Ages 16-20:
  - 5 year license suspension
  - $410 fine
  - Mandatory DUI School with clinical evaluation and treatment
  - Auto ignition interlock suspension in place for minimum 2 years
- Over 21 years:
  - 5 year license suspension with possible permanent revocation
  - $410 fine
  - Mandatory DUI School with clinical evaluation and treatment

RESOURCES

State Department of Insurance

Office of Insurance and Safety Fire Commissioner
Two Martin Luther King, Jr. Drive
West Tower, Suite 704
Atlanta, GA 30334
Phone: (404) 656-2070
Toll Free: (800) 656-2298
www.oci.ga.gov
Get Directions

Department of Transportation

Georgia Department of Transportation
One Georgia Center
600 W. Peachtree NW
Atlanta, GA 30308
(404) 631-1990
www.dot.ga.gov
Get Directions

Department of Motor Vehicles

Georgia Department of Driver Services
2206 East View Parkway
Conyers, GA 30013
(678) 413-8400
(678) 413-8500
(678) 413-8600

Find the Cheapest Car Insurance Policy in Georgia