Florida vs Georgia Car Insurance

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

Quick Verdict

More Affordable

Georgia is $400/yr cheaper on average.

Fewer Uninsured

Georgia has a lower uninsured rate (12.4% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	Georgia
Avg Annual Premium	$2,500	$2,100
Min Liability	$820	$690
Full Coverage	$2,500	$2,100
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	20.4%	12.4%
Registered Vehicles	17,661,160	8,783,840
Accidents/Year	264,917	131,757
Population	21,538,000	10,712,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

Georgia

25/50 / 25 liability

Premium Comparison

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

Georgia$690 – $2,100

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

FloridaFull rates, age breakdown, requirements →GeorgiaFull rates, age breakdown, requirements →

📊

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, Florida or Georgia?

Georgia has cheaper car insurance, with an average annual premium of $2,100 compared to $2,500 in Florida - a difference of $400 per year.

How do Florida and Georgia compare on fault systems?

Florida uses a no-fault system while Georgia uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Florida vs Georgia?

Florida requires 10/20 / 10 liability. Georgia requires 25/50 / 25 liability. Minimum liability costs $820/yr in Florida and $690/yr in Georgia.

Which state has more uninsured drivers, Florida or Georgia?

Florida has a higher uninsured driver rate at 20.4%, compared to 12.4% in Georgia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida 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.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Florida

Georgia

Avg Annual Premium

$2,500

$2,100

Min Liability

$820

$690

Full Coverage

$2,500

$2,100

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

20.4%

12.4%

Registered Vehicles

17,661,160

8,783,840

Accidents/Year

264,917

131,757

Population

21,538,000

10,712,000