California vs Georgia Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

California is $30/yr cheaper on average.

Fewer Uninsured

Georgia has a lower uninsured rate (12.4% vs 15.2%).

Rate & Coverage Comparison

Attribute	California	Georgia
Avg Annual Premium	$2,070	$2,100
Min Liability	$680	$690
Full Coverage	$2,070	$2,100
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	15.2%	12.4%
Registered Vehicles	32,421,159	8,783,840
Accidents/Year	486,317	131,757
Population	39,538,000	10,712,000

Minimum Coverage Requirements

California

15/30 / 5 liability

Georgia

25/50 / 25 liability

Premium Comparison

California$680 – $2,070

Liability: $680Avg: $2,070Full: $2,070

Georgia$690 – $2,100

Liability: $690Avg: $2,100Full: $2,100

CaliforniaFull rates, age breakdown, requirements →GeorgiaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, California or Georgia?

California has cheaper car insurance, with an average annual premium of $2,070 compared to $2,100 in Georgia - a difference of $30 per year.

How do California and Georgia compare on fault systems?

California uses a at-fault (tort) system while Georgia uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in California vs Georgia?

California requires 15/30 / 5 liability. Georgia requires 25/50 / 25 liability. Minimum liability costs $680/yr in California and $690/yr in Georgia.

Which state has more uninsured drivers, California or Georgia?

California has a higher uninsured driver rate at 15.2%, compared to 12.4% in Georgia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the California vs Georgia insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

California

Georgia

Avg Annual Premium

$2,070

$2,100

Min Liability

$680

$690

Full Coverage

$2,070

$2,100

Fault System

At-Fault (Tort)

Uninsured Rate

15.2%

12.4%

Registered Vehicles

32,421,159

8,783,840

Accidents/Year

486,317

131,757

Population

39,538,000

10,712,000