Why is Georgia auto insurance so high? 

The average annual cost of car insurance in Georgia is $1,884, which is less than the U.S. national average rate of $2,049 per year. There are a few reasons why the cost of car insurance in Georgia is higher than in some other states. For instance, Georgia has a very high population density and it has some unique weather risks, like hurricanes. Additionally, Georgia is ranked 10th in the U.S. for states with the highest number of vehicle thefts.