Georgia vs Texas Car Insurance

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

Quick Verdict

More Affordable

Texas is $160/yr cheaper on average.

Fewer Uninsured

Georgia has a lower uninsured rate (12.4% vs 14.1%).

Rate & Coverage Comparison

Attribute	Georgia	Texas
Avg Annual Premium	$2,100	$1,940
Min Liability	$690	$640
Full Coverage	$2,100	$1,940
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	12.4%	14.1%
Registered Vehicles	8,783,840	23,899,720
Accidents/Year	131,757	358,495
Population	10,712,000	29,146,000

Minimum Coverage Requirements

Georgia

25/50 / 25 liability

Texas

30/60 / 25 liability

Premium Comparison

Georgia$690 – $2,100

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

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

GeorgiaFull rates, age breakdown, requirements →TexasFull 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 Texas?

Texas has cheaper car insurance, with an average annual premium of $1,940 compared to $2,100 in Georgia - a difference of $160 per year.

How do Georgia and Texas compare on fault systems?

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

What are the minimum insurance requirements in Georgia vs Texas?

Georgia requires 25/50 / 25 liability. Texas requires 30/60 / 25 liability. Minimum liability costs $690/yr in Georgia and $640/yr in Texas.

Which state has more uninsured drivers, Georgia or Texas?

Texas has a higher uninsured driver rate at 14.1%, compared to 12.4% in Georgia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Georgia vs Texas 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

Texas

Avg Annual Premium

$2,100

$1,940

Min Liability

$690

$640

Full Coverage

$2,100

$1,940

Fault System

At-Fault (Tort)

Uninsured Rate

12.4%

14.1%

Registered Vehicles

8,783,840

23,899,720

Accidents/Year

131,757

358,495

Population

10,712,000

29,146,000