Georgia vs Pennsylvania Car Insurance

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

Quick Verdict

More Affordable

Pennsylvania is $340/yr cheaper on average.

Fewer Uninsured

Pennsylvania has a lower uninsured rate (7.6% vs 12.4%).

Rate & Coverage Comparison

Attribute	Georgia	Pennsylvania
Avg Annual Premium	$2,100	$1,760
Min Liability	$690	$580
Full Coverage	$2,100	$1,760
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	12.4%	7.6%
Registered Vehicles	8,783,840	10,662,460
Accidents/Year	131,757	159,936
Population	10,712,000	13,003,000

Minimum Coverage Requirements

Georgia

25/50 / 25 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

Georgia$690 – $2,100

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

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

GeorgiaFull rates, age breakdown, requirements →PennsylvaniaFull 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, Georgia or Pennsylvania?

Pennsylvania has cheaper car insurance, with an average annual premium of $1,760 compared to $2,100 in Georgia - a difference of $340 per year.

How do Georgia and Pennsylvania compare on fault systems?

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

What are the minimum insurance requirements in Georgia vs Pennsylvania?

Georgia requires 25/50 / 25 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $690/yr in Georgia and $580/yr in Pennsylvania.

Which state has more uninsured drivers, Georgia or Pennsylvania?

Georgia has a higher uninsured driver rate at 12.4%, compared to 7.6% in Pennsylvania. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Georgia vs Pennsylvania 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

Georgia

Pennsylvania

Avg Annual Premium

$2,100

$1,760

Min Liability

$690

$580

Full Coverage

$2,100

$1,760

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

12.4%

7.6%

Registered Vehicles

8,783,840

10,662,460

Accidents/Year

131,757

159,936

Population

10,712,000

13,003,000