Auto Insurance Costs in Large vs. Small Cities in Georgia

Very best Cities for Car Insurance coverage in Georgia

ValuePenguin carried out a survey of auto insurance costs in Georgia to give drivers a sense of common costs by city, and how people costs change city by city. The review was based on the sample profile of a single thirty 12 months outdated male driving a 2010 Toyota Camry across thirty cities.

Primarily based on sample information, the average expense of car insurance in Georgia was $ one,090 for the year. As expected, the city of Atlanta ranked as the most expensive in the Peach State. On the other hand, Valdosta, GA, took the spot of the cheapest for car insurance. Right here are the rest of the rankings by city:

Most Costly Cities  |  Cheapest Cities
Massive Cities vs. Little Cities
Full List  |  Study Methodology

Most Expensive Cities: Atlanta, East Point, and Milledgeville

These cities in Fulton and Baldwin counties grabbed the leading 3 spots for costliest automobile insurance in our state review. A single thirty 12 months old male driving his automobile here can anticipate to pay out about 15% more compared to peers living in other elements of Georgia, and about one.5x far more than the least expensive city in our sample.

Cheapest Cities for Car Insurance: Valdosta, Athens, and Clayton

On the other finish of the spectrum are Valdosta, Athens, and Clayton – cities scattered across the counties of Lowndes, Clarke, and Rabun. Car insurance fees here are significantly less than a grand a 12 months, and in the case of Valdosta, less than $ 900 for twelve months of liability protection on the road. 

Costs in Greatest Cities vs. Smallest Cities in Research

This graph exhibits how costs can differ among the larger and smaller cities in our Georgia sample. Typically speaking, the larger and denser the city, the larger the expenses of car insurance coverage in that city. We did not uncover this kind of a clear-reduce relationship in our sample data, however. For example, with a population size of 119,000, Athens is the fifth biggest city in Georgia, and has one particular of the higher population densities in our sample, but has 2nd cheapest prices in our research. 

This graph illustrates how costs for auto insurance can differ based on different-sized cities in Georgia.

Cities are arranged in reducing population from left to appropriate.

Very best Cities for Automobile Insurance Rates in Georgia

Right here are the thirty cities in the study, ranked from the very best and most affordable prices to the costliest. 

Rank City Yearly Premium % I/D vs State Average
one Valdosta $ 885 -19%
2 Athens 926 -15%
3 Clayton 983 -10%
4 Albany 983 -10%
5 Brunswick 989 -9%
6 Hinesville one,012 -7%
7 Carrollton one,014 -7%
8 Cumming one,032 -5%
9 Americus one,034 -5%
10 Dawsonville one,035 -5%
11 Statesboro 1,041 -4%
12 Newnan 1,042 -4%
13 Jefferson one,044 -4%
14 Rome 1,052 -3%
15 Douglasville one,090 %
16 Gainesville one,098 1%
17 Augusta 1,101 1%
18 Marietta 1,129 4%
19 Savannah 1,133 4%
twenty Dunwoody one,133 4%
21 Winder 1,134 4%
22 Alpharetta 1,149 5%
23 Conyers 1,150 6%
24 Columbus one,157 6%
25 Covington 1,170 7%
26 McDonough one,171 6%
27 Macon one,243 14%
28 Milledgeville one,246 14%
29 East Point 1,248 15%
30 Atlanta 1,263 16%

How We Performed the Review

We obtained sample quotes for a choice of thirty cities in Georgia, such as the greatest 5 urban cities by population. Our sample driver is a single, thirty year previous male residing and driving in Georgia. He’;s an employed homeowner with excellent credit and a clean driving record – no targeted traffic violations or accidents for the previous 5 years. He drives a 2010 Toyota Camry 4-door sedan about 10,000 miles a yr mostly to commute to function. 

The information in our research is based on a car insurance policy with the under parameters. These limits and deductibles are higher than the minimum you are going to want to drive in Georgia (listed in the last column).

Coverage Variety Liability Limits Georgia Minimum
Bodily Damage $ 50,000 / $ 100,000 $ 25,000 / $ 50,000
House Harm $ 50,000 $ 25,000
Uninsured / Underinsured Motorist (UM/UIM) Variety Reduced by At-Fault Liability Optional
UM/UIM Bodily Injury $ 50,000 / $ 100,000 Optional
UM/UIM Property Harm $ 50,000 Optional
Thorough Coverage (deductible) $ 500 Optional
Collision Coverage (deductible) $ 500 Optional

Sample car insurance quotes instantly reflect homeownership, exceptional credit, and a clean driving historical past. Further discount rates are integrated into the policy estimates for payment in total and safety features on the Toyota Camry (anti-lock brakes, airbags, and automatic anti-theft measures).

These annual premiums are for informational purposes only. The quotes you will get from insurers will be various based mostly on your individual driving record, preferred liability limits, motor vehicle type, and other aspects.

Information existing as of March 2014

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