Georgia Auto Insurance Rates
Median premium: $956/6mo across 10 carriers and 952 ZIP codes.
Premiums range from $574 to $1,431 — a 2.5x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$956
per 6 months
ZIP Codes
952
with rate data
Carriers
10
rated in GA
Price Spread
2.5x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $646 | 952 ZIPs | 100% | |
| 2 | State Farm | $825 | 0 ZIPs | 0% | |
| 3 | Auto-Owners | $828 | 0 ZIPs | 0% | |
| 4 | GEICO | $898 | 0 ZIPs | 0% | |
| 5 | Progressive | $942 | 0 ZIPs | 0% | |
| 6 | Farmers | $970 | 0 ZIPs | 0% | |
| 7 | Nationwide | $1,012 | 0 ZIPs | 0% | |
| 8 | Travelers | $1,030 | 0 ZIPs | 0% | |
| 9 | Liberty Mutual | $1,058 | 0 ZIPs | 0% | |
| 10 | Allstate | $1,167 | 0 ZIPs | 0% |
1
$646USAA#1 in 952 ZIPs (100%)
2
$825State Farm#1 in 0 ZIPs (0%)
3
$828Auto-Owners#1 in 0 ZIPs (0%)
4
$898GEICO#1 in 0 ZIPs (0%)
5
$942Progressive#1 in 0 ZIPs (0%)
6
$970Farmers#1 in 0 ZIPs (0%)
7
$1,012Nationwide#1 in 0 ZIPs (0%)
8
$1,030Travelers#1 in 0 ZIPs (0%)
9
$1,058Liberty Mutual#1 in 0 ZIPs (0%)
10
$1,167Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Georgia
| City | Avg Median | ZIPs |
|---|---|---|
| Augusta | $574 | 13 |
| Columbus | $574 | 14 |
| Fort Benning | $574 | 2 |
| Savannah | $631 | 18 |
| Port Wentworth | $631 | 1 |
Most Expensive Cities in Georgia
| City | Avg Median | ZIPs |
|---|---|---|
| Yatesville | $1,172 | 1 |
| Wrightsville | $1,172 | 1 |
| Warthen | $1,172 | 1 |
| Vienna | $1,172 | 1 |
| Unadilla | $1,172 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,172/6mo
31099 (Warner Robins)
Cheapest ZIP
$574/6mo
30901 (Augusta)
2.5x
Price Spread
The most expensive ZIP in Georgia costs 2.5x more than the cheapest. Your ZIP code matters more than you think.
Georgia Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Georgia
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Access ZIP-level rate data across all 10 carriers, 952 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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