Average insurance rates across 134 cities in Georgia
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Atlanta | 498,715 | $2,332 | $2,173 | $565/mo | $21/mo |
| Columbus | 206,922 | $1,892 | $1,763 | $548/mo | $17/mo |
| Augusta | 202,081 | $1,870 | $1,742 | $547/mo | $17/mo |
| Gainesville | 175,569 | $1,980 | $1,845 | $552/mo | $18/mo |
| Macon | 157,346 | $1,804 | $1,681 | $545/mo | $16/mo |
| Savannah | 147,780 | $2,024 | $1,886 | $553/mo | $18/mo |
| Warner Robins | 146,790 | $1,980 | $1,845 | $552/mo | $18/mo |
| Athens | 127,064 | $1,980 | $1,845 | $552/mo | $18/mo |
| South Fulton | 107,865 | $1,980 | $1,845 | $552/mo | $18/mo |
| Sandy Springs | 107,221 | $1,980 | $1,845 | $552/mo | $18/mo |
| Roswell | 92,770 | $1,980 | $1,845 | $552/mo | $18/mo |
| Albany | 83,447 | $1,980 | $1,845 | $552/mo | $18/mo |
| Johns Creek | 82,230 | $1,980 | $1,845 | $552/mo | $18/mo |
| Valdosta | 75,919 | $1,980 | $1,845 | $552/mo | $18/mo |
| Brunswick | 71,160 | $1,980 | $1,845 | $552/mo | $18/mo |
Georgia residents pay an average of $2,200 per year for home insurance and $2,050 for auto insurance. Georgia follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in Georgia averages $560 per month for an individual Silver marketplace plan. The weather risk level is high, with significant exposure to hurricanes. Top insurance providers in Georgia include State Farm, Allstate, Geico.
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Policygenius The ZebraThe average home insurance cost in Georgia is $2,200 per year. Rates range from $1,400 to $3,200 depending on home value, location, and coverage level.
Auto insurance in Georgia averages $2,050 per year for full coverage. The state minimum coverage is 25/50/25.
Yes, Georgia has above-average insurance costs, with home insurance at $2,200/yr and auto at $2,050/yr compared to national averages of $2,300 and $1,800 respectively.
Georgia requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.