A Georgia Guide to Cheap Car Insurance

The average rates for car insurance in GA are $87.37/mo. Georgia requires 25/50/25 for minimum liability coverage. Compare quotes below for free.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Georgia has state-specific laws regarding car insurance
  • Your driving record and the type of vehicle you drive will impact your insurance premiums
  • When shopping for car insurance, remember to consider value and customer service in addition to cost
  • When searching for insurance, make sure to look for discounts

Car insurance can be a huge part of your monthly budget. In fact, many Americans pay more for car insurance than they do for their car payments! If you are looking for cheap car insurance in Georgia, there are some tips and tricks you should learn in order to get the best deals.

Just enter your ZIP code now into the FREE box on this page to get tons of car insurance quotes in your area!

Follow the simple steps below to make sure you get the best possible deal on cheap car insurance in Georgia. You don’t have to spend too much on car insurance!

Car Insurance in Georgia

Many drivers think that car insurance is the same no matter where you live. However, this isn’t really true. Different states have different types of market competition, regulations, and insurance requirements that can impact how much you pay for car insurance.

Georgia requires that all drivers maintain a continuous liability insurance policy from a registered insurance provider on their vehicle.

A driver in Georgia must carry proof of the insurance in the vehicle at all times, and it needs to be registered in the state’s database.

The terms of minimum coverage in the state of Georgia are subject to change and may be frequently updated as new laws and regulations are passed.

To make sure that you are meeting the current requirements, it is a good idea to check in with your local DMV or review the posted requirements at Georgia Department of Revenue.

Although the minimum requirements for the state of Georgia are continuous liability coverage, this by no means reflects the correct type or amount of coverage for each driver.

In fact, minimum requirements are often insufficient to protect you in the case of an accident. You should determine the right policy and coverage level for you based on your specific auto insurance needs and personal characteristics.

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Average Cost of Car Insurance in Georgia

Nationally, the average cost of a car insurance policy is about $841 per year.

In Georgia, the cost of auto insurance averages out to about $800, a little below the national average.

Of course, how much you pay for car insurance is dependent on many factors and can fluctuate. If you are currently paying more than the state average, it doesn’t necessarily mean you are overpaying.

This may be due to the specific features of your policy or extenuating circumstances such as the value of your vehicle or your driving record.

However, knowing the national and state average rates for car insurance can provide a good benchmark as you evaluate quotes from different companies. Keep these numbers in mind for comparative purposes as you shop for car insurance.

Factors That Influence How Much You Pay for Car Insurance

Understanding what factors can raise or lower the cost of your car insurance can help you make smart decisions about the right policies and options for you.

Some of the factors that influence the cost of auto insurance may be out of your control. However, there are others that you can manipulate in order to get the best car insurance rates.

One of the primary factors of how much your car insurance costs is your driving record. Drivers with a long and safe driving history will be eligible for much lower rates.

Speeding tickets or accidents, especially those in which you were at fault, and more serious infractions such as DWI or DUI, can negatively influence the cost of your car insurance.

If any of these things are on your record, you may have a hard time getting insurance, or you may pay a higher premium for your insurance. Driving safely and being mindful of your driving record can save you money.

The type of vehicle that you drive also influences how much you will pay for insurance. When you are shopping for a new car, remember that one of the major costs of automobile ownership is insurance premiums.

Generally, the more expensive and therefore valuable a car is, the more the insurance will cost. This is because of the higher replacement cost of the vehicle.

Additionally, a fast or sporty car will have a higher insurance premium than a sedan, station wagon, or minivan.

Insurers do this because sports cars are more likely to be involved in accidents, statistically, than other classes of vehicles.

There are plenty of resources that can help you understand all of the different factors of car insurance costs and how you can minimize your premiums.

Try exploring some of the informational articles available from the Insurance Information Institute. You can find expert advice on the main drivers of automobile insurance costs.

What to Do Before You Shop Around

There are plenty of fast and easy ways to find car insurance quotes in Georgia. Before you start comparing prices, you may want to identify a few reputable insurers that you are most interested in doing business with.

Many drivers make the mistake of choosing their auto insurance policy based solely on price. There are more things to consider:

  • Quality
  • Value
  • Customer service

To evaluate these factors, you will want to look at independent reviews from consumer groups and talk to family and friends for references and opinions.

J.D. Power and Associates is an excellent resource to find unbiased evaluations of insurance providers in your area. You can see a list and rankings for auto insurance companies doing business in Georgia and the Southeast United States.

Another resource is the Better Business Bureau (BBB). This independent organization evaluates and publicizes consumer complaints about businesses. You can look into companies that you are interested in working with and see if they have had many complaints.

You should also spend some time defining exactly what types and levels of coverage you want to purchase. This will help you get a quote faster and ensure that multiple quotes are comparable.

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How to Find Cheap Car Insurance

Once you’ve narrowed your selection down to a handful of companies and you know exactly what type of insurance you want and how much, it’s time to start getting quotes. There are several easy ways to look for car insurance in Georgia.

Consider using an online car insurance quotes search site to get multiple quotes all at once. This is especially helpful if you don’t want to spend a lot of time looking for quotes, or if you are trying to get a quick baseline of what car insurance costs are like in your area.

You can also contact an independent auto insurance representative in your area. These professionals have affiliations with multiple car insurance companies and can help you find the company and the policy that is right for you. This option is especially helpful if you have a lot of questions, or if you are looking for a more guided approach to car insurance purchase.

This option is especially helpful if you have a lot of questions, or if you are looking for a more guided approach to car insurance purchase.

Finally, you could contact a company directly in order to inquire about a quote. This is a great option if you really have your heart set on working with one specific company.

You should also take advantage of the opportunity to ask the representative about any special discounts or promotions that may be available.

What to Do Once You’ve Found the Best Deal

If you follow these simple steps, you should have no trouble quickly and easily finding a cost-effective car insurance policy. However, that doesn’t necessarily mean that your work is finished!

If you get a new vehicle, have a speeding ticket removed from your record, or another similar change that would affect your auto insurance rate, you should contact your insurer right away.

If you feel there should be a positive effect, you should try to negotiate a lower premium. Car insurance rates can change frequently based on:

  • Statistical information
  • Competition in the market
  • The specific individual factors (like auto type and driving record)

To make sure that you continue to get the best deal possible, you should stay on top of these changes.

It also pays to be aware of special promotions and offers that car insurance companies come out with. Check periodically to see if there are any new discounts, such as those for:

  • Being a safe driver
  • Being a good student
  • Having an anti-theft device installed on your vehicle

You may even want to look into using the same insurance provider for your home or life insurance in addition to your car insurance to get a bundled rate.

Saving money on car insurance can really have a huge impact on your budget.

By educating yourself about your car insurance needs and the options available to you, you can be sure that you are getting the best possible deal on the car insurance policy that is right for you.

Click here to type in your ZIP code now in the quote finder box on this page to get FREE auto insurance quotes near you!

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