Cheap Car Insurance in Georgia

Searching for the cheapest car insurance in Georgia?

All About Georgia

Check out CheapInsurance.com’s comparison of auto insurance quotes to get the best inexpensive insurance.

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. Apart from 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, making it 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.
  • Unlike some states, Georgia doesn’t place a cap on increases for car insurance. This means car insurance companies can raise your auto insurance rates at any point.

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

Peach State Cruising: Updates & Insurance Insights for Georgia In 2024

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)

Remember: These are just highlights, and other changes may apply. Visit the Georgia Department of Motor Vehicles website for complete information. (Source: Georgia Department of Motor Vehicles)

Average Auto Insurance Rates 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

Remember: Individual rates can vary significantly based on your driving history, location, vehicle type, and desired coverage.

To make sure you’re getting the best rate on car insurance, you should compare car insurance quotes from various insurers.

Cheap Car Insurance in Georgia

How Your Automobile Insurance Rates Are Calculated

If you ask your friends and family how much they’re paying for car insurance, you’re likely 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 your individual risk profile, and this is what decides the cost of auto insurance.

Key Point: Auto Insurance Rates

When you sign a contract with a car insurance company, you agree to pay a certain amount monthly in exchange for coverage.

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

Some key aspects insurers will take into account when calculating your auto insurance:

  • Your age.
  • Where you live.
  • Your driving history.
  • Your credit score.
  • Where you park your car.
  • The risk of weather-related damage.
  • The value of your car.
  • The age of your car.
  • The coverage you select.
  • The deductible you select.

Is It Legal to Drive Without Car Insurance in Georgia?

Car insurance is a catch all term that is often used to describe 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 if it’s 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 coverageThis insurance will cover you for bodily injury, work compensation, and medical bills if 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 requirements.

Although comprehensive coverage, collision coverage, and uninsured motorist coverage are optional, they are highly recommended to protect you and your car in the event of an accident, damage, or theft.

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.

All drivers in Georgia have to meet these minimum liability requirements. This gives you low cost car insurance in Georgia, but does not cover comprehensive or collision claims. 

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

If you’re found to be driving without liability coverage, you could be 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.

You aren’t legally required to carry full coverage auto insurance in Georgia

If you don’t have full coverage auto insurance and your car is damaged in any of the following instances, you will need to pay for the repairs or for a replacement vehicle:

Full coverage car insurance gives you complete peace of mind that you will be reimbursed by your insurance company if the worst happens.

Inexpensive Car Insurance in Georgia for Drivers with Clean Driving Records

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

Good drivers are drivers who.

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

Cheap Car Insurance in Georgia for High-Risk Drivers

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

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

High-risk drivers are those who:

  • Are required to carry SR22 car insurance.
  • Have a DUI conviction.
  • Have a reckless driving charge.
  • Have multiple speeding tickets.
  • Have a high number of points on their driving record.
  • Have been caught driving without insurance.
  • Have a poor credit score.

Cheapest Auto Insurance in Georgia for Young Drivers

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

These classes are a legal requirement, but they could also help young drivers get cheap car insurance in Georgia.

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

Top Auto 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. for auto insurance. 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.