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Are you on the lookout for cheap insurance in Georgia?

Every year, millions of people search for the cheapest car insurance in Georgia. The best car insurance quotes Georgia motorists can use are available online.

But things aren’t easy in Georgia, it’s one of the most expensive states to drive a car!

The ranking varies every year, but Georgia is consistently in the top seven most expensive states for car insurance. Near the end of 2020, it was estimated as #6 for that year, just under California.

Average car insurance premiums in Georgia are nearly $2,000 per year. Plus, the difference between a minimum Georgia car insurance policy and a full car insurance policy is more than $1,100.

Knowing that, a good deal on Georgia insurance is important. Cheap insurance in Georgia can save you hundreds of dollars a year. Before you get down to work comparing Georgia car insurance policies, it’s a wise idea to know exactly what you need – and where you can save some money.


What is the Minimum Car Insurance in Georgia?

When it comes to car insurance minimums, the Peach State’s requirements are lower than average.

To drive legally in Georgia, you need:

  • Bodily Injury Liability: $25,000 per person, $50,000 per vehicle accident
  • Property Damage Liability: $25,000

That’s it! While several states require Uninsured or Underinsured Motorist coverage, Georgia is not one of them. Georgia’s limits for basic liability coverage are also low. Still, it can be a sound investment to get more than the minimum car insurance required in Georgia.

What Does Georgia Car Insurance Cover?

Like the majority of states, Georgia’s car insurance system operates on a fault basis. That means when a car accident happens, it’s important to determine who was at fault. That person is responsible for all the liabilities of the accident, including personal injury and property damage – and their insurance pays for them.

What if you’re found responsible for an accident that costs more than the limits on your insurance?

In that case, you might find yourself personally liable for damages, and could even end up in court. Choosing to buy more insurance than the minimum makes it much more likely your insurer will pay for all accident liability.

Also remember that there are several kinds of optional car insurance in Georgia. This includes insurance that can pay for your accident-related medical expenses and car repairs. There’s even insurance that will protect your vehicle from unforeseen events like theft and vandalism.

Why is Car Insurance So Expensive in Georgia?

There are several reasons why cheap insurance in Georgia is harder to come by.

Georgia is known for some of the most accident-prone highways in the country. A higher rate of accidents means more risk for insurers, which they offset by charging more. Sadly, many of those accidents are fatal, too.

Another reason Georgia car insurance is so expensive has to do with state laws. In Georgia, the state requires less accountability for insurance firms – they can raise premiums without oversight from the state insurance commissioner. Premiums mean profit, so costs to Georgia drivers go up.

What Happens if You Don’t Have Car Insurance in Georgia?

Driving without insurance is a misdemeanor in Georgia – and it can mean big trouble.

As soon as your insurance lapses, the state will get a notification from your former insurer. If you don’t open a new car insurance policy within a 30-day grace period, your driver’s license can be suspended. After this, you will owe a lapse fee and a license reinstatement fee to the state before you can drive again.

Fines for driving without insurance in Georgia can go up to $1,000, and you may spend up to 12 months in jail.

How Can You Reduce Car Insurance Premiums in Georgia?

The biggest ways to save money on car insurance in Georgia are:

Start off with cheap insurance in Georgia

Switch to cheaper insurers when you can

Avoid any traffic tickets or car accidents

The longer you drive safe, the more likely it is you’ll get car insurance discounts in Georgia. Your insurer can choose to reduce your premiums if you take a defensive driving class or upgrade your car’s safety features, too.

If you pay off some debt and notice your credit score going up, compare Georgia car insurance to see if you can get a better deal elsewhere. Insurers use credit score to help set their rates.

If you’re ready to look for the cheapest car insurance in Georgia, Cheap Insurance is here to help. We’ve made it simpler than ever to search for car insurance quotes Georgia drivers can be happy with. You can get started right now and find your new Georgia car insurance policy in minutes.

Need more help? Contact us.

What are the minimum car insurance requirements in Georgia?

With cheap insurance in Georgia so hard to find, it might surprise you to know it has low car insurance minimums. Even the cheapest car insurance in Georgia is required to meet these essential standards.

Georgia utilizes a simple “25/50/25” car insurance scheme, which means residents must maintain $25,000 per person and $50,000 per covered event in Bodily Injury liability plus $25,000 in Property Damage liability.

Car insurance quotes Georgia drivers use to save the most money adhere to these coverage minimums, too. If you elect to buy more insurance, you’ll have to pay more monthly for the additional coverage.

How much is car insurance in Georgia?

The cost of car insurance in Georgia can be among the most expensive around, with the state consistently ranking near the middle of the ten highest-priced states for automotive insurance. The average motorist pays nearly $2,000 for insurance, shelling out about $161 per month.

The cheapest car insurance in Georgia is worth the time it takes to find, with cheap insurance in Georgia potentially saving you hundreds of dollars. To zero in on car insurance quotes Georgia locals use to save, begin your search online. That makes it easier to discover quotes from the leading car insurance companies in Georgia.

How much is car insurance in Georgia per month?

Want cheap insurance in Georgia? Spend some time finding the cheapest car insurance in Georgia now and you could save thousands later. That’s because car insurance in Georgia is about $161 a month on average. This means Georgia ranks #6 for most expensive car insurance in many years.

Car insurance prices in Georgia tend to go up sharply every year. The best savings strategy is going online for car insurance quotes Georgia motorists can use. Remember, you can change your car insurance provider any time. It’s worth it to check car insurance prices in Georgia annually.

Who has the cheapest insurance in Georgia?

Cheap insurance in Georgia is tough to find, and even the cheapest car insurance in Georgia can be more pricey than other states. Living in one of the top ten most expensive states for car insurance, the average motorist can end up paying nearly $2,000 in premiums per year.

Of all the car insurance companies in Georgia, no one brand has the best rates for everyone. Rates can vary by your zip code and for many other reasons. To find affordable car insurance quotes Georgia drivers can use, you can compare car insurance online and see all your policy options.

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Average Annual Premiums in Georgia = $1,694 | via Insure.com