All things equal, auto insurance rates can greatly differ just by where a driver lives. We conducted a study for one sample driver living across more than one hundred cities in Georgia to quantify the difference. Our analysis showed that while the average annual cost was around $1,338 for our driver's hypothetical circumstances, rates could range by as much as 43% between the most expensive place (East Point, GA) and the most affordable (Valdosta, GA). For our motorist, that is a difference of $493 a year.
All of the five most affordable cities we found in our study of car insurance are located in the southern region of the state. Our profiled driver’s rates in these cities differed by about 8-15% below the state’s benchmark ($1,338 a year), depending on where he lived. Below is a graph of the five places and how much their average annual rates were lower than the state average.
Valdosta ranked with the lowest costs in the state based on the quotes our sample driver received here. Living here meant rates that were 15% lower than living in the typical city in the state, which translated to an annual $198 less in costs. The city is also known as the Azalea City and holds a floral festival every March.
Home to over 16,000 residents spread across a 9 square mile land area, Tifton is the second least expensive city based on our study. Costs here would be 14% less than the Georgia average, or a difference of $192 a year, for our driver living in Tifton.
Thomasville holds a Rose Festival every year and gardeners come from all around the world to present their specimens for competition. Our profiled driver living here got quotes that were 10% less than the state average, meaning he would pay $139 less than the Georgia mean.
An agricultural community in Georgia, Moultrie takes the fourth spot on our list. This city is home to over 14,000 residents. Costs in Moultrie were 10% lower than the state average for our example driver, meaning that in terms of dollars, he would pay $130 less than had he lived in the typical Georgian city.
Ever year in Folkston, residents participate in the Okefenokee Festival where participants can enjoy art and food. Our driver in Folkston found costs to be $103 less than the state average, or 8% lower than the Georgia mean.
The five cities with the highest auto insurance costs were located in the upper half of the state, with the exception of Hinesville. We found that these places generally have higher populations than our five least expensive cities. Living in one of the costliest cities meant that our study's driver could pay 15-22% more than the state’s average annual rate in our study. In terms of dollars, that is a $264 average difference. The graph below shows the average annual cost of insurance as well as how much it differs from the benchmark.
East Point, GA
East Point is home to over 35,000 residents, and we found it to be the most expensive city for auto insurance in Georgia. Our driver’s quotes here were generally 22% higher than the state average, meaning that his premiums were $295 more his counterpart living in the typical Georgian city.
Our driver living in Decatur obtained quotes that were 22% higher than the Georgia average, which translated to a difference of $289 a year. Decatur, named after a naval hero, Stephen Decatur, is the county seat of DeKalb County and the home of 20,000 residents.
Atlanta is the most populated city and the capital city of Georgia. Our driver living here could expect rates to be 21%, or $287, higher than the state average. Atlanta is a city vibrant with art, music, festivals, businesses, and sports.
Living in Hinesville resulted in the fourth highest costs in our Georgia study. Quotes here were 19% higher than the state average, or $248 in terms of dollars for our sample motorist. Hinesville is home to over 33,000 residents and was named after a state senator, Charles Hines.
Jonesboro was the location for the decisive Battle of Jonesborough during the Civil War and the fifth spot on our most expensive list. Our driver living here could expect to pay rates that are 15% higher than the state average, or $199 more than if he lived in Georgia’s average city.
Based on the 112 cities and towns in Georgia we studied, the state’s average annual cost of cost insurance was $1,338 a year for our profiled 30-year-old driver. His quotes could range from anywhere between being 15% less than to 22% more than the average, depending on which city we obtained the quotes from. Below is a list of the average annual quotes for each of the 112 cities we studied, ranked from low to high:
|Rank||City||Average Annual Rate||Rate Difference|
The study was conducted by collecting 1,120 auto insurance quotes from 10 unique car insurance companies in Georgia for our sample driver: a single 30-year-old man. We kept all variables constant, except where he lived. He drives a 2011 Toyota Camry he owns, averaging 12,000 miles a year. His credit is good and he has no previous records of traffic accident nor tickets. For the policy’s coverage, we used limits higher than the Georgia state’s required insurance limits. Here is a comparison of the two:
|Coverage Type||State Req. Limits||Study Assumption Limits|
|Bodily Injury (BI)||$25,000 per person / $50,000 per accident||$50,000 per person / $100,000 per accident|
|Property Damage (PD)||$25,000 per accident||$50,000 per accident|
|Uninsured Motorist BI||Optional||$50,000 per person / $100,000 per accident|
|Uninsured Motorist PD||Optional||$50,000 per accident|
|Comprehensive & Collision Deductible||Optional||$500 deductible|