A survey conducted by ValuePenguin helped to determine the average rates of car insurance for each city. ValuePenguin conducted the survey based on the sample profile of a 30-year-old male who drives a 2010 Toyota Camry surveyed throughout 30 cities. The cost of vehicle insurance in Georgia on average was about $1,090 per year. However, the rate differed by city.


Atlanta, GA

Not shockingly, Atlanta had the highest cost of vehicle insurance. This is due to the population of 444,000 residents and a strong reputation for traffic. The average cost of insurance in Atlanta was around $1,243 per year, and the premium rate is 16 percent higher than the overall average for the state.

Augusta, GA

Despite a population of 193,000 people, Augusta, Georgia, takes the middle road for the cost of car insurance. Annual premiums cost an average of $1,101 for a 30-year-old male in Augusta, which is just one percent higher than the state average.

Athens, GA

Athens, Georgia is one of the five largest cities in Georgia, and it has the second cheapest rates in the state. Auto insurance costs an average of $926 per year, making it 15 percent cheaper than the rest of the peach state. However, Athens also had one of the highest variances in rates offered by the insurance companies.

Valdosta, GA

Taking the cheapest spot for auto insurance was Valdosta, Georgia. It cost the average 30-year-old male with a 2010 Toyota Camry an annual $885 per year. This is for 12 months of liability protection on the road. However, the population of Valdosta, Georgia, is 57,597, which is significantly less than some of the bigger cities.

The study was conducted by obtaining sample quotes for 30 cities in Georgia. The sample driver was a 30-year-old male living and driving in Georgia with a clean driving record. While this study presents an average pricing, it is important to understand insurance premiums will be based on individual driving records, vehicle type, preferred liability limits and other factors.

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