Georgia Car Insurance

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Georgia Coverage Requirements

– State Minimum Coverage

When you see liability listed it is three numbers, for example, 10/30/20, the first number covers bodily injury. The second one is for the whole accident. The last number is for property damage.  In the state of Georgia, the minimum liability requirement is $25,000/$50,000/$25,000 (25/50/25).

–  Coverage Considerations

Basic coverage is what’s required by the state. In Georgia, this coverage includes liability coverage (25/50/25) and Uninsured/Underinsured Motorist Coverage which is optional but added by default to policies.

You should cover your vehicle with collision and comprehensive if your car is newer (e.g., less than 10 years old), whereas if your car is older (e.g., more than 10 years old) you may consider only buying collision.

Another consideration with older vehicles is its value. If your car is more than 10 years old but held its value, you may consider collision and comprehensive coverage to prevent high cost to yourself to replace the vehicle.

Other coverage types are available in Georgia and are listed below:

  • Liability Liability insurance protects the driver in case of an at fault accident where you injure someone or their property (i.e., bodily injury liability and property damage liability).
  • Collision Collision covers damages to your car when involved in an accident with another vehicle or another object, such as a telephone pole or a tree.
  • Comprehensive – Comprehensive coverage covers damage other than an accident — like natural disasters, hitting an animal, vandalism, or theft.
  • Personal Injury Protection (PIP) PIP is an additional coverage you can purchase that helps cover medical costs, disability benefits, death benefits, and property damage. It is not required in Georgia.
  • Medical Payments (MedPay) – MedPay is extra protection for any passengers that are injured in your vehicle if you are involved in an accident.
  • Uninsured/Underinsured Motorist Coverage Uninsured/Underinsured Motorist Coverage is purchased to cover you if are involved in an accident and you don’t have enough coverage or the other driver involved in the crash doesn’t have enough coverage or any coverage at all. In Georgia, this coverage is added on to policies by default. It can be declined.
  • Guaranteed Auto Protection (GAP) GAP insurance is extra coverage that covers the difference between what you owe on your car and the value of your car . This coverage helps protect you in case of an accident and your car is totaled.
  • Personal Umbrella Policy (PUP) – PUP protection helps cover you and your assets when your liability insurance reaches its limits. It can help cover your car, your house and even your assets.
  • Rental ReimbursementRental Reimbursement is coverage that will cover you to have a rental car while your vehicle is being repaired for damages.
  • Emergency Roadside Assistance – Emergency Roadside Assistance is coverage that helps when you find yourself stuck on the side of the road in need of towing or with a flat tire. In the metro Atlanta area, you can dial 511 to request HERO assistance for traffic incidents.
  • Mechanical Breakdown Insurance – This is additional coverage that can be purchased to help cover auto repair costs when you comprehensive coverage runs out.
  • Pay-As-You-Drive or Usage-Based InsurancePay-As-You-Drive allows you the flexibility of only paying for what you use. A device is plugged in your car and you pay based on the miles your drive.
  • Non-Owner Car Insurance –  Non-Owner coverage covers when damages happen to a car that you don’t own, such as a rental car.
  • Modified Car Insurance Coverage –  This coverage that can be purchased for show or street cars that have modifications made to them.
  • Windshield Coverage – Windshield coverage can be added to your comprehensive policy and covers damage to your windshield. Drivers may choose OEM parts and the shop for repairs but may pay difference from provider’s quote.

Driving Data – State Ranking Compilation

Every year our team conducts several large studies that examine all facets of driver safety, habits, and fatalities. The rankings below are where Georgia landed in our studies. Please click here for more details on each study.

#17 – Deadliest Sidewalks

#39 – Safest Highways by State

#47 – Most Dangerous States for Drunk Driving

#19 – Is your state a travel doer or dreamer?

#39 – Worst Drivers By State

State Laws

– Penalties for Driving Without Insurance

All states require drivers to have auto insurance. Driving without carries serious consequences. In the state of Georgia, the consequences are:

Penalties for Driving Without Insurance
First OffenseSuspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle taxes due
Second OffenseWithin 5 years: Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle taxes due

– DUI Laws

Getting pulled over for a DUI carries consequences that will affect your insurance rates. In the state of Georgia, being pulled over for a DUI will get you:

Penalty TypeFirst ConvictionSecond Conviction (Within Five Years)Third Conviction (Habitual Violator)
Fine$300 to $1,000; $210 fee for license reinstatement; cost of DUI Alcohol or Drug Risk Reduction Program$600 to $1,000; license reinstatement $210; cost of DUI Alcohol or Drug Risk Reduction Program$1,000 to $5,000; license reinstatement $410; cost of DUI Alcohol or Drug Risk Reduction Program; costs for your name, address, and photo to be published in your local newspaper
Community ServiceMandatory 40 hoursMinimum 30 daysMinimum 30 days
ImpisonmentPossible up to 1 yearMinimum 48 hours in jail; sentence ranging from 90 days to one yearMinimum 15 days in jail
SuspensionLicense suspended up to 1 year18 months to 3 yearsRevoked license for five years; confiscates your license plate;
OtherPossible limited driving permitPossible limited driving permit; clinical evaluation and possible treatment; possible interlock ignition devicePossible limited driving permit after two years; clinical evaluation and treatment; possible interlock ignition device

Note: Penalties may be different if you are underage.

– Car Seat Laws

  • Georgia implements the primary car seat law, which means that a police officer can stop you based on a child safety sear or seat belt violations
  • Your child must be less than eight years old and less than 57” to use a booster seat.
  • Your child must be more than eight years old and at least 57” tall to wear a seat belt.
  • The seat belt laws cover people 18-year-old and younger.
  • You are charged a $15 fine if you break a seat belt law.
  • You are charged a $50 fine if you break a car seat law and receive one point on your record if you break a car seat law.

– Texting Laws

The rules for phone use are very strict. Currently, Georgia does not have laws for drivers over 18 years old.

  • These laws are considered primary laws, which means a police officer can pull you over for just this violation.
  • If you are under the age of 18, all cell phone usage (hand-held or hands-free) are prohibited.
  • Anyone over the age of 18 is prohibited from “text messages, instant messages (IM), email, and Internet data” (source).
  • Also, drivers will be fined $150 and have one point on their driving record.

– Other Considerations

First, in Georgia, drivers may use a smartphone to show proof of insurance if stopped for a traffic violation.

Second, your auto insurance provider has the legal right to not renew your policy if you have claims in “an amount in excess of $750.00” or “two claims against the policy based on fault” (source).

Third, for repeat violators to show financial responsibility, Georgia requires an SR-22A (similar to the SR-22). This kind of document is used in Georgia, Texas, and Missouri. In most cases, it’s required if you have:

  • DWI or DUI
  • Citation for driving without the proper license
  • Major moving violations
  • Considered high-risk driver’s
  • Citation for driving without insurance

Last, if you purchase a vehicle in Georgia from either a private individual or dealership, you are required by law to have insurance before driving away from the transaction. Georgia does not have a grace period.

Cheap Georgia Insurance

– What affects car insurance rates?

Many different factors influence your auto insurance rates. Insurance companies look at each customer and assess the risk of insuring them. They determine your rates based on age, driving history, credit score, etc. For example, younger males are more likely to be in an auto accident or get a speeding ticket than women, so males rates are generally higher.

Below are the different factors that auto insurance companies look at to determine your auto insurance rates.

  • Age
  • Gender
  • Driving record
  • Address
  • Occupation
  • Credit score
  • Make and model of car
  • Personal/Business
  • Time Used/Mileage

– Discounts to Ask For

  • Clean Driving Record – Georgia state law offers a 10 percent discount for drivers over 25-years-old with a three-year clean record and completion of a defensive driving course. For drivers less than 25, other requirements like classroom instruction must be completed. Ask your provider for more details.
  • Multi-car – This discount is applied when you insure multiple cars with the same insurance provider.
  • Multi-policy – Multi-policy discount is applied when you have different types of policies, ie, home, renters, auto, etc. with the same insurance provider.
  • Low Mileage –  Most insurance companies offer a discount if you keep the mileage per year between 7.500 to 15,000.
  • Full Payment – Paying in full, an entire year, will save you money because the absence of extra fees instead of paying in two installments.
  • Good Student –  This discount is offered to those who either in high school or college student who maintain a 3.0 or B average.
  • Defensive driver – Defensive driver training is a course that helps drivers learn how to anticipate and how to react to avoid collisions under bad conditions.
  • Claim Free – Insurance companies offer discounts when you don’t file any claim for an allotted period of time.
  • Vehicle Recovery – This discount is offered by auto insurance companies when you add towing services to your policy.
  • Anti-theft Device – Anti-theft devices installed on your car lower the risk of it being stolen, which insurance companies like since it saves them money.
  • Anti-lock Brakes – Anti-lock brakes keep your car from locking up and skidding.

For a comprehensive overview of discounts by provider, click here.

– Comparison Shopping

When you shop for auto insurance there are a couple different thing that will help you as you look for the best policy for you. Make sure you compare rates about every six months to make sure that you are getting the best rate for the coverage you need.

Your auto coverage needs will fluctuate over time. When you review your policy make sure you aren’t paying for coverage that you don’t need. That is one way you can save money on your monthly premium.

Most people when they are shopping for car insurance look for what coverage is cheapest. While finding a good deal is important, you must also make sure you purchase enough insurance for your needs.

Having the right coverage may mean paying a little more, but it is worth it in the long run. Making sure you are covered is vital so that in the event of any damage to your vehicle or injury, you will be covered.

Insurance companies are frequently changing their rates. By shopping around you can make sure you are not overpaying for the coverage you need. Look at least three or four different insurance companies to ensure you get the best rate. Make sure to check out the companies and their ratings on a trusted independent rating sites.

Use the following trusted independent rating agencies:

Also, check consumer ratings through the following:

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

– Average Rates

For more details on these profiles, please visit Georgia’s Office of Insurance Safety Fire Commission.

  • Profile A (40-year-old married male, good record, average mileage) – Reduced $1,644.29 and Add-on $1,697.79
  • Profile B (30-year-old married female, speeding ticket and at-fault accident, and average mileage) – Reduced $2,469.04 and Add-on $2,534.77
  • Profile C (28-year-old married male, speeding ticket and DUI, and high mileage) – Reduced $3,745.01 and Add-on $3,815.83
  • Profile D (65-year-old married retired couple, clean record, pleasure driving, low mileage) –Reduced $1,529.83 and Add-on $1,587.36
  • Profile E (35-year-old single female with 17-year old youthful male operator, clean records, average mileage) –Reduced $4,594.91 and Add-on $4,684.28
  • Profile F (19-year old single female, one speeding ticket, high mileage) – Reduced $4,028.96 and Add-on $4,113.38
  • Profile G (19-year-old single male, one speeding ticket, high mileage) – Reduced $5,084.54 and Add-on $5,170.63
  • Profile H (19-year-old single female, clean record, high mileage) – Reduced $3,552.26 and Add-on $3,629.53
  • Profile I (19-year-old single male, clean record, high mileage) – Reduced $4,441.06 and Add-on $4,521.15

As expected males are charged a higher rate than females on average in Georgia. But although the numbers for the yearly premiums on average are high, the data showed some companies provide much better rates. This trend shows the importance of comparison shopping and not settling for your first quote. Also, the data demonstrates that keeping your driving record clean is one of the best “discounts.”

– Top 5 Cities/Counties with the Lowest Average Rates

  1. Ware County – $2,902.91
  2. Whitfield County – $2,957.79
  3. Albany – $3,152.58
  4. Augusta – $3,205.43
  5. Columbus – $3,313.84

– Top 5 Cities/Counties with the Highest Average Rates

  1. Atlanta – $4,263.90
  2. Stone Mountain – $4,251.77
  3. College Park – $4,243.45
  4. Marietta – $3,602.31
  5. Macon – $3,518.81

– Top 5 Cheapest Auto Insurance Providers (average rates)

  1. Coast National Insurance Company – $1,141.14
  2. American National Property and Casualty Company – $1,260.92
  3. 21st Century Centennial Insurance Company – $1,297.98
  4. AIG Property Casualty Company – $1,475.30
  5. Twin City Fire Insurance Company – $1,617.20

These rates reflect the cheapest providers by average for “Add-on” coverage (providers must have quotes for at least half of the profiles to be included).

– Top 5 Most Expensive Auto Insurance Providers (average rates)

  1. Everest Security Insurance Company – $7,306.51
  2. Main Street America Assurance Company – $7,299.73
  3. Amica Mutual Insurance Company – $7,084.16
  4. Victoria Fire And Casualty Company – $6,487.43
  5. Insuremax Insurance Company – $6,448.09

These rates reflect the most expensive providers by average for “Add-on” coverage (providers must have quotes for at least half of the profiles to be included).

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption