Georgia Car Insurance

Auto Insurance Requirements In Georgia

The Peach State requires drivers to have liability insurance plans with minimum amounts, also called minimum limits, for each. The minimum limits for auto insurance coverage in the state of Georgia include a requirement to have $25,000 in bodily injury liability coverage for the injury or death of one person in any one accident, as well as a total amount of bodily injury coverage of $50,000 for all people in one accident. In addition, property damage liability coverage is required, in the amount of $25,000 for one accident.

When determining vehicle damage amounts in an automobile accident, the Georgia courts use a process of diminished value. They have stated that a person’s damage is the difference in the value of the automobile before and after the crash occurs. Many people choose to get additional automobile insurance coverage to further protect themselves in case an accident occurs. This can include medical payments coverage, collision coverage, comprehensive coverage, roadside assistance, uninsured motorist coverage, underinsured motorist coverage, lease gap insurance coverage, and others.

Average Cost Of Coverage In Georgia

The average costs for car insurance premiums in the state of Georgia are lower than the national average, making the state a great place to own a car in many areas. People’s average costs are affected by geographic location, the city or neighborhood a car is garaged, a person's drivers driving record, the year, make, and model of the vehicle, and a number of other variables. By maintaining a good driving record, people can end up spending a lot less money on car insurance over time.

Cheapest Car Insurance Companies In Georgia

Due to the fact that some automobile insurance companies weigh the variables used to determine auto insurance rates differently, it is important to shop around in order to get the best rates. Some car insurance companies are cheaper than others when it comes to purchasing insurance in the state of Georgia, so taking a look at the least expensive auto insurance companies overall can be a good place to start.

Providing cheap car insurance in Georgia, these companies have lower average car insurance rates. Drivers will also want to consider financial strength, customer service, and consider how easy it is to file claims with different automobile insurance companies in the state. For Georgia, the top five best auto insurance companies are Progressive, State Farm, Allstate, Liberty Mutual, and Nationwide.

Progressive represents over 10% of policyholders in the state, and State Farm sells over 20% of the policies. The total cost of car insurance policies in the state of Georgia can vary from one city to the next, with some cities being on the lower end cost wise and others being on the higher end.

Cheapest Car Insurance In Georgia By City

The cities with the lowest rates for car insurance premiums in Georgia included Valdosta, Tifton, Thomasville, Moultrie, and Folkston. These cities are below the state average for their annual rates and are fantastic places to live if you are looking for cheap car insurance. These are smaller cities, which often provide less risk of accidents, theft, and other potentially covered situations.

Most Expensive Car Insurance in Georgia by City

There are more expensive cities in Georgia as well, which are well above the average in terms of annual rates for the state. These include East Point, Decator, Atlanta, Hinesville, and Jonesboro. Other cities are more expensive than average for car insurance in the state, but these cities are often on the most expensive city for car insurance in Georgia lists.

Laws, Rules And Penalties in Georgia

Drivers are required to have a valid car insurance policy whenever they are operating a motor vehicle in the state. Failure to do so can result in fines, fees, suspension of a driver’s license, suspension of a drivers registration, revocation of a driver’s license, and more.

How To Save Money On Car Insurance in Georgia

Find the best prices for car insurance in Georgia by comparing rates from multiple companies. By using the free quote tools on this site, you can find the top rates for car insurance plans quickly and easily. You will also want to consider the various discounts you might qualify for, in addition to maintaining a good driving record, which can also save you money in the long run.