Cheap Georgia Car Insurance Quotes
With 7 million licensed drivers in Georgia, proper insurance protection is key. You don’t want to get on the road, get into an accident and not be able to pay medical bills, replace your car or someone else’s, or deal with anything else that might happen.
On top of that, your car doesn’t always have to be moving for you to experience some type of damage. We’ve all dealt with rock dings, auto theft, and such annoyances.
At Insurance Geek, we’re committed to bringing drivers in Georgia the best insurance quotes Georgia, matching you with a plan that’s both affordable and effective. We can find the auto policy you need in the Peach State and connect you to the right insurance company!
Read on to find out more about the cheapest car insurance quotes possible that fit your specific situation and needs.
Georgia Auto Insurance Minimum Coverage Requirements
Below you’ll find coverage minimum requirements for car insurance in Georgia.
Pretty much all states require BI (bodily injury) and property damage protection, and many states require uninsured/underinsurance coverage as well.
Bodily injury liability – $25,000 person/$50,000 incident minimum coverage
BI liability covers you if someone else gets hurt as a result of being in an auto collision with you. This could mean you hitting a pedestrian, hurting someone else as a result of an accident in Georgia, etc. If someone on your policy injures someone, as long as they’re driving with your permission, they’ll also be covered.
Georgia Property damage liability – $25,000/accident minimum coverage
This is one of the lowest property damage minimums you’ll find nationally. This type of coverage protects you if you damage someone else’s car. As you might well imagine, $25,000 isn’t very much to put toward replacing someone’s auto if it’s totaled in an accident with you, so we recommend purchasing more coverage.
Uninsured or underinsured
Whether you’re involved in a hit and run or you happen to get into an accident with someone who doesn’t have the proper insurance coverage, uninsured or underinsured coverage will help you pay expenses from an accident with someone without insurance. Georgia does not require this type of insurance, but we certainly recommend it.
How Much Will I Pay for Auto Insurance in Georgia?
Auto insurance in Georgia typically costs right around $1,340 a year on average.
That being said, auto owners should know that much more than the average cost of car insurance in Georgia has to be taken into account to determine how much a person will pay for an auto insurance policy.
Here are some of the most important factors:
Young drivers are considered to be inexperienced, just like drivers who have obtained their driver’s license recently, so they will get a higher rate from an insurance company than average experienced drivers.
On the other hand, auto owners who are considered to be good drivers and have a clean driving record will get the cheapest car insurance rates.
Drivers with a recent DUI, a speeding ticket, or a crash that was their fault will pay more for their auto insurance premium.
In addition to how long you have had your driver’s license and your driving history, drivers in Georgia should pay attention to their financial habits.
Insurance companies will check your credit rating, and a poor credit score could result in a higher premium.
However, this is not the most important factor. If you have a poor credit score, try improving it by paying out your loans and bills on time, and you’ll still be able to get cheap car insurance.
The type of your vehicle, including the make and model, as well as the color, all matter. Sports and more expensive cars will require a higher premium, too.
City areas tend to come with higher premiums due to the increased potential for an occurrence. The denser the population, the more potential there is for an accident or injury behind the wheel – therefore, the higher premiums make sense.
Here are some sample of the largest cities we can find cheap car insurance for in Georgia:
- Macon County
- South Fulton
- Sandy Springs
The price of an insurance policy will also vary from one insurance company to another.
We can find you the lowest rates for auto insurance in Georgia by comparing quotes from multiple insurers.
There are multiple ways for a person to save on auto insurance.
By insuring more than one vehicle (e.g., of your family member, too) with the same insurer, you can get lover average rates.
Insurers value when you give their services a complete trust, so drivers can also get discounts for bundled policies (for instance, renters or home or life insurance in addition to a car policy).
Get Cheap Georgia Car Insurance Quotes
It may be difficult to determine the cost of your car insurance with so many factors that have to be considered.
Do you wish to get access to free quotes for car insurance in Georgia from multiple companies?
The only thing auto owners need to do to compare quotes and use our services is to enter some basic info in our quote engine calculator on this page.
We will show you what different insurers offer in order to find you the lowest rate for insurance.
Our carriers are some of the most reputable companies in the industry, including Nationwide and Safeco.
After you compare the quotes, you can speak to a licensed agent who will help you determine what’s the right option for you – a real person, an expert, who will discuss the specificities of your case with you.
Are Discounts Available?
The different types of discounts to save on insurance vary by carrier, and you may be eligible for some or all of them.
- Whether or not you have taken a defensive driving course,
- Discounts for students, seniors or military members or veterans,
- Multicar or multi-policy discounts,
- PIF or discounts when you pay in full,
- Discounts if you’ve had little to no accidents or citations,
- Safe driving discounts,
- Installation of devices like anti-theft, better restraints, daytime running lights, or any other types of operational changes that will make your vehicle safer or more difficult to break into.
What Does Car Insurance in Georgia Include?
Drivers who get full coverage will get more than the bare minimum required by the state.
Other auto insurance coverage examples include:
PIP (Personal Injury Protection) or medical liability insurance
If you injure yourself or another person in your auto at the time of a car accident, PIP coverage can protect you in Georgia when it comes to medical bills and even make up for lost wages for both of you.
Whether we’re talking about potholes, guardrails, street signs, trash cans – anything your car can collide with can cause damage, and collisions aren’t always the result of hitting another auto. Collision coverage can help drivers repair their car and pay for any damaged expenses and should definitely be part of your full coverage.
Theft, replacing signed or cracked windshields, replacing stolen items – all these fall under the comprehensive umbrella, and comprehensive includes some of the most common insurance claims we see.
Bodily injury liability
In the event of an at-fault accident in which you injure someone, bodily injury liability insurance will reimburse their medical bills and lost wages.
Although the minimum limit for bodily injury in Georgia is $25,000 person/$50,000 incident, we recommend getting more to make sure you are completely protected.
Property damage liability coverage
Property damage minimum liability coverage for car insurance in Georgia for an at-fault accident is $25,000, which isn’t enough to compensate for the damage you can cause, so you should also consider getting more than that.
Underinsured or uninsured drivers
If someone’s insurance limits are too low to cover the expenses, you want to have this kind of insurance that will step in.
How Much Coverage Should I Get?
Drivers in Georgia have to obtain a certain minimum coverage that we mentioned above, but to get full coverage that will protect them in every situation is much more than that.
We recommend well over the Peach State minimum required coverage for all auto owners and Georgia drivers – 100/300/100 should cover it, or $100,000 BI (bodily injury), $300,000 BI/accident, and property damage coverage up to $100,000.
If I get a ticket or into an accident, can I get cheap car insurance?
How much you will pay ultimately depends on how safe you are as a driver and how safe your vehicle is.
Although some of the insurers do offer forgiveness, this type of forgiveness doesn’t normally cover multiple accidents fault within a short period of time.
You should expect that the more citations or accidents you have, the higher the premium you’re going to pay to the insurer, and the more difficult of a time you may have getting insured.
FAQ: Car Insurance in Georgia
Q: What car insurance companies have the cheapest car insurance in Georgia?
A: Top car insurance companies in Georgia are Safeco and Nationwide. These insurance companies offer a great variety of insurance products and services and some of the cheapest rates in the state.
Q: How much is car insurance in Georgia?
A: Typically, insurance in Georgia will cost you around $1,340 per year, which is the average rate but not a fixed one. Your particular Georgia auto insurance premiums are determined by a variety of factors, including: driver’s age, recent accidents or citations, age, make and model of your vehicle – as well as color, anti-theft devices or deterrents like etched glass, safety rating, your safe driving record over time, bundle offerings, poor credit score, and so on. Insurance Geek can help you get an estimate if you use our quote tool on our page.
Calculate Georgia Auto Insurance Rates
We’d love for you to check out our quote calculator and put together a policy for you and your family that will give you all the protection you’re going to need at the right price.
Unlike other agencies, all you need to do to work with us is fill out our quote form just one time, and we will get you connected with a variety of different policies from different carriers. We’re so excited to give you the opportunity to find the policy that’s best for you and your family.
Insurance Geek is confident we can secure you the best rate for car insurance.
Whether you are a completely new driver or you’re looking for better rates on an existing insurance policy, we are more than glad to help you.
Your needs are important to us, and we want to make sure that we aren’t calling you constantly, sending you texts, or distributing your information to other agents across the board. We are not an agent aggregate site as much as we are a one-stop shop that will give you all the free quotes you need to find the best possible cheap Georgia car insurance for you and your family.
Let Insurance Geek help you find the best possible rates in Georgia today, and reach out to us for more information!