State profile · GA · CMS + NAIC
Georgia drivers average $1555/yr for auto insurance, ranked #6 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
Georgia runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1555 a year for auto cover, above the $1191 national average (the 6th-most-expensive of 51 states), up 23% since 2019.
2019: $1265 average expenditure
$1,265 avg expenditure
2020: $1259 average expenditure
$1,259 avg expenditure
2021: $1265 average expenditure
$1,265 avg expenditure
2022: $1345 average expenditure
$1,345 avg expenditure
2023: $1555 average expenditure
$1,555 avg expenditure
What this shows Georgia drivers' average auto cost rose 23% between 2019 and 2023.
Year over year, Georgia's average auto expenditure rose 15.6% from 2022 to 2023, part of a 23% increase (+$290) since 2019. See the full 5-year state-by-state comparison.
Georgia auto rates in detail →Georgia: $1555/yr average auto expenditure (this state)
$1,555 avg expenditure
District of Columbia: $1677/yr average auto expenditure
$1,677 avg expenditure
New Jersey: $1573/yr average auto expenditure
$1,573 avg expenditure
Rhode Island: $1539/yr average auto expenditure
$1,539 avg expenditure
Maryland: $1477/yr average auto expenditure
$1,477 avg expenditure
No issuer-level claim-denial data is reported for Georgia in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Georgia's 2023 average auto expenditure was $1555, 6th of 51 jurisdictions by cost and 30.6% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Georgia uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Georgia's insurance commissioner is a directly elected statewide office, one of 11 states where voters choose this role rather than a governor.
Nearest expenditure peers. By average auto expenditure, Georgia's closest peers in PlainInsurer's dataset are Rhode Island ($1539/yr) and New Jersey ($1573/yr) -- both within a few dollars of Georgia's own $1555/yr.
Border comparison. Georgia borders Alabama, Florida, North Carolina, South Carolina, and Tennessee. Georgia's auto costs run higher than 1 of them and lower than 4, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Georgia operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the Georgia Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.