Cheap Car Insurance in Georgia

Searching for cheap car insurance in Georgia? Cheapinsurance.com has tips in this article to get cheap car insurance quotes.

Georgia is the 24th biggest state in the U.S. and is the 8th largest by population size, with a population of just over 10 million.

Of those people, over 7.9 million are registered drivers. Besides major cities like Atlanta, Savannah, and Macon, most of the state is rural so if you want to get around, you’ll need a car.

In the state, the average cost of car insurance is $1,638 per year, hence it is one of the most expensive states in the U.S. for auto insurance.

The reasons for this include:

A high risk of weather-related damage.
The high cost of car repairs.
A high risk of theft in major cities.
Different from some states, Georgia doesn’t place a cap on increases for the price of car insurance, consequently insurance companies can raise your auto insurance rates at any point.

Although car insurance is expensive, however, it’s not impossible to find affordable vehicle insurance quotes in Georgia.

Peach State Cruising: Updates & Insurance Insights for Car Insurance in Georgia

Ready to explore Georgia’s charming towns and scenic landscapes? Gear up with these key updates for 2024:

Georgia Vehicle Code Changes:

Limited driving permits for certain offenders: New regulations establish driving restrictions for individuals with specific driving violations. (Source: Georgia House Bill 120)
Prestige plates for state officials: Expanded eligibility for special license plates for certain state officials and organizations. (Source: Georgia House Bill 175)
Development impact fees for education: Local governments gain the ability to impose fees on new developments for educational funding. (Source: Georgia Legislation GA/legislation)

These are just highlights, and other changes may apply. Visit the Georgia Department Driver Services website for complete information.

Average Automobile Insurance Quotes in Georgia (2024):

(Sources: NerdWallet, The Zebra)

Company	Minimum Coverage	Full Coverage
State Farm	$181	$436
Geico	$175	$401
Progressive	$187	$382
Farmers	$192	$419
USAA	$198	$407

Individual insurance quotes vary significantly based on your driving history, location, vehicle type, and type of coverage.

To make sure you’re getting cheap car insurance in Georgia, occasionally compare affordable car insurance quotes from various insurers.

How Inexpensive Auto Insurance Quotes Are Calculated

If you ask your friends and family how much they’re paying for car insurance, you’re undoubtedly to get a wide variety of answers even if you’re similar in age, live in the same city, and drive the same type of car.

So, why does car insurance prices vary so widely?

Car insurance companies perform a variety of complex calculations to determine individual risk profiles, consequently what decides cheap car insurance in Georgia.

Key Point: Auto Insurance Quotes

When you sign a contract with a car insurance company, you agree to pay the auto insurance quote in exchange for coverage.

This is called the auto insurance rate or auto insurance premium.

Some key aspects insurers will take into account when calculating auto insurance rates, for example:

Age.
Where you live.
Driving history.
Credit score.
Where you park the car.
Risk of weather-related damage.
Value of your car.
Age of your car.
Coverage you select.
Deductible you select.

Is It Legal to Drive Without Car Insurance in Georgia?

Car insurance is a catch all term that is often used compared to different types of car insurance policies.

To understand what insurance is legally required by Georgia law, it’s important to understand the differences between each coverage type of car insurance.

Comprehensive coverage: This insurance will compensate you in the event that your car is totaled in a non accident-related event (e.g. fire, flood) or in the event that the car is stolen.
Collision coverage: This insurance will compensate you in the event that your car is totaled or damaged in a car accident.
Liability insurance: This insurance will compensate a third party on your behalf if you cause injury/death to another person or damage their property while driving.
Uninsured motorist coverage: This insurance will cover you for bodily injury, work compensation, and medical bills in case you are in an accident with an uninsured driver.

Georgia law states that it is illegal to drive without liability car insurance that meets the state’s minimum requirement

In Georgia, the minimum liability insurance requirements are:

$25,000 bodily injury liability per person.
$50,000 bodily injury liability per accident.
$25,000 property damage liability per accident.

If you’re in a car accident and don’t have minimum liability insurance, consequently you will to pay the other party’s medical bills, lost wages, and repairs to their property from your own pocket.

Drivers without liability coverage are subject to these penalties:

A misdemeanor charge.
A fine ranging from $200 to $1,000.
A maximum of 12 months in jail.
A license suspension ranging from 60 days to 90 days.
A requirement to carry SR22 insurance.

Full coverage auto insurance in Georgia

Full coverage auto insurance covers damages under comprehensive part of the insurance. For example:

An at-fault accident.
Theft or theft of car parts.
Non-crash damage (e.g. natural disasters, fire, flooding).
A broken windshield.
Car damage caused by hitting an animal.

Full coverage car insurance gives you complete peace of mind that you will be reimbursed as long as your insurance is current, in case if the worst happens.

Affordable Car Insurance Quotes in Georgia for Drivers with Clean Driving Records

Many insurance companies offer affordable car insurance quotes for good drivers. This is because good drivers are less likely to make a claim on their insurance policy.

Good drivers are drivers for example:

Not been found at-fault in a car accident.
Do not have speeding tickets.
No reckless driving charges.
Have no DUI or DWI convictions.
Good credit score.

Inexpensive Car Insurance Quotes in Georgia for High-Risk Drivers

If you’re considered to be a high-risk driver, finding inexpensive car insurance quotes in Georgia can be difficult.

Many insurers refuse to provide coverage for high-risk drivers, and companies that offer coverage do so for the most part at a more expensive cost for car insurance in Georgia.

As a result, high-risk drivers:

Are required to carry SR22 car insurance.
DUI conviction.
Reckless driving charge.
Multiple speeding tickets.
High number of points on their driving record.
Caught driving without insurance.
Poor credit score.

Cheap Insurance in Georgia for Young Drivers

Any 15, 16, or 17 year-old who want to get their driver’s license are required to pass an approved Driver Education Class.

These classes are a legal requirement, by and large could also help young drivers get cheap insurance in Georgia.

Young drivers usually pay higher auto insurance rates because they’re less experienced on the roads.

Top Automobile Insurance Companies in Georgia

1. Mile Auto

Mile Auto offers per-mile insurance, so the less you drive, the lower your auto insurance rates will be.

This benefits drivers who travel short distances each month with insurance savings of up to 40%, but it may become expensive for drivers who drive 10,000 miles or more annually.

Mile Auto is available to motorists in Arizona, California, Georgia, Illinois, Ohio, Oregon, Pennsylvania, and Texas.

Some of the car insurance add-ons Mile Auto offers, include.

Bodily injury liability.
Property damage liability.
Personal injury protection (PIP) or medical payments coverage.
Comprehensive and collision coverage.
Rental car reimbursement.
Roadside assistance.

2. Mercury

Founded in 1961, Mercury offers various insurance products to customers in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

Mercury has a network of almost 10,000 agents and a 24/7 app that enables you to virtually manage your vehicle insurance policies.

This flexible offering is ideal for both drivers who want to talk to a live insurance agent and those who want to manage their car insurance completely online.

Mercury offers the following benefits and add-ons to customize your car insurance policy.

Coverage for rideshare drivers.
24/7 roadside assistance.
Rental car benefit.
Multi-car discount.
Multi-policy discount.
Pay-in-full premium discount.
Good driver discount.
Discounts for anti-theft and safety devices.
Discounts for tracking your driving via the Mercury Go app.

3. Assurance America

Assurance America was founded in 1998 to offer basic, low limits property and casualty insurance coverage to drivers in ten states: Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia.

With a network of over 4,000 agents, Assurance America prides itself on building long lasting client relationships and affordable auto insurance.

Assurance America is an ideal budget friendly option for drivers who.

Have been convicted of a DUI.
Carry SR22 auto insurance.
Are classified as high-risk to insure.

Is car insurance expensive in Georgia?

Cost for auto insurance is one of the most expensive states in the U.S. The reasons are:

A high risk of weather related damage.
The high cost of car repairs.
A high risk of theft in major cities.
Unlike some states, Georgia doesn’t place a cap on auto insurance increases. This means car insurance companies can raise insurance rates at any point, for any reason.

Although car insurance is expensive, it doesn’t mean that it’s impossible to find inexpensive insurance.

Which auto insurance company offers the cheapest car insurance in Georgia? Shop around for cheap car insurance quotes online at comparison websites.