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Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!
Car Insurance in Georgia
What's the average cost of car insurance in Georgia and which company has the cheapest car insurance?
How much does car insurance cost in Georgia?
Let's explore the cost of auto insurance in Georgia and how it affects your wallet.
Car insurance in Georgia is not the most expensive, but rates are still above average compared to other U.S states. Although average rates are around $1,808 in larger cities, the price of car insurance can exceed $3,435 annually, especially for teenage drivers and for those with a bad driving record. Bodily injury (BI) liability coverage, for which the minimum insurance limits are set at $25000, is an insurance cover that helps you pay for medical expenses related to the other driver’s injuries. Property damage (PD) liability coverage pays toward property damage that you cause to others involved in a traffic accident. In Georgia, you are required to comply with the minimum PD liability insurance limits of $50000. Keep reading and find out who has the cheapest car insurance quotes in Georgia in 2023.
| minimum full coverage premium | average full coverage premium | |
|---|---|---|
| Georgia | $750 | $1,808 Your Rates? Get Quotes |
| Teen Drivers | $750 | $3,254 Your Rates? Get Quotes |
If you're driving in Georgia, it's essential to understand the state's car insurance laws to ensure you're meeting the minimum insurance requirements. Here are some of the most important laws that apply to car insurance in Georgia:
- Minimum liability coverage: In Georgia, drivers are required by law to have minimum liability coverage of 25/50/25. This means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
- Uninsured motorist coverage: Georgia also requires drivers to have uninsured motorist coverage, which means you're covered in case you get into an accident with an uninsured driver. The minimum uninsured motorist coverage you need is the same as the minimum liability coverage.
- Proof of insurance: It's required by law to have proof of insurance with you whenever you're driving. If you're stopped by a law enforcement officer, you must present your proof of insurance.
- No fault insurance: Georgia is not a no-fault insurance state, meaning that drivers are responsible for covering their damages in an accident. The driver at fault in the accident is responsible for paying for the damages of the other driver.
- Lapse in coverage: If you let your car insurance lapse in Georgia, you can face penalties such as a fine or suspension of your driver's license and registration.
It's essential to comply with these laws to avoid any legal consequences and ensure protection in case of an accident.
There are numerous car insurance providers in Georgia that offer full coverage insurance policies. However, the prices of these policies can vary depending on various factors such as age, driving history, and location. Here are some of the best full coverage car insurance options in Georgia with their lowest and average prices:
- State Farm: is a popular car insurance provider in Georgia that offers full coverage policies at an average price of $1,518 per year. However, the actual cost of the policy can vary depending on various factors. State Farm's lowest full coverage policy costs around $1,105 per year.
- GEICO: is another car insurance provider that offers full coverage insurance policies in Georgia. The average cost of a full coverage policy from GEICO is around $1,520 per year. However, its lowest full coverage policy costs around $949 per year.
- Allstate: offers full coverage insurance policies in Georgia at an average price of $1,775 per year. However, the lowest full coverage policy from Allstate costs around $1,256 per year.
- Progressive: is known for offering affordable car insurance policies, including full coverage options in Georgia. The average cost of a full coverage policy from Progressive is around $1,802 per year, but the lowest policy can cost around $1,015 per year.
Minimum car insurance coverage in Georgia starts at $750Keep in mind that these prices are only estimates, and your actual pricing may vary based on your personal information and other factors. It's best to request quotes from different providers to compare prices and get the best deal.
DUI (driving under the influence) can have significant consequences on your car insurance rates in Georgia, and it's important to understand how long it can affect your insurance and what to do to lower your rates. Here's what you need to know:
How long does DUI affect insurance in Georgia?
A DUI conviction can affect your car insurance rates in Georgia for up to three years, depending on the insurance company. Some providers may offer lower rates after two years if you maintain a clean driving record during that time.
How to lower car insurance rates after a DUI in Georgia?
While having a DUI conviction on your record will likely lead to higher insurance rates, there are ways to lower your rates over time, including completing alcohol or drug treatment programs, maintaining a clean driving record, and shopping around for insurance quotes from multiple providers.
Cheapest car insurance companies after a DUI in Georgia?
The cheapest car insurance companies after a DUI in Georgia will vary depending on your individual circumstances, but some companies which are known to have lower rates include State Farm, GEICO, and Nationwide.
DUI offenses in Georgia?
DUI offenses in Georgia are classified based on the driver's blood alcohol content (BAC) level. Here are the DUI offenses in Georgia:
- Standard DUI: Blood alcohol content (BAC) of 0.08% or higher
- DUI with a minor: BAC of 0.08% or higher with a minor under the age of 14 in the vehicle
- DUI drugs: Driving under the influence of drugs or a combination of drugs and alcohol
- Commercial DUI: Commercial driver's license holder with a BAC of 0.04% or higher.
Other tickets and offenses punished the most in Georgia? Other tickets and offenses that are punished the most in Georgia include speeding, reckless driving, hit and run accidents, as well as driving without a license or insurance. These offenses can result in higher insurance rates, fines, and even suspension of your driver's license.
Auto insurance requirements in Georgia
What does Georgia law mandate when it comes to vehicle coverage?
The State of Georgia has insurance limits for bodily injury liability per accident set at $50,000, which is the average rate across the United States. The minimum bodily injury liability coverage per person in Georgia is $25,000. This is relatively small and if you can afford it, definitely increase this amount according to your financial possibilities. Remember that the per-person limit applies to each person injured in an accident in Georgia. If you caused an accident in Georgia (if you're at fault), your property damage liability insurance coverage can cover up to a total of $25,000 for the other party's vehicle repairs.
| Minimum Coverage Type | Coverage Limits in GA |
|---|---|
| Bodily injury liability per person in Georgia | $25,000 Get Quotes |
| Bodily injury liability per accident in Georgia | $50,000 Get Quotes |
| Property damage liability per accident in Georgia | $25,000 Get Quotes |
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The typical annual cost of car insurance in California is approximately $1,808. Nonetheless, prices can vary depending on your location; in particular for smaller cities and towns the average rates might be as low as $904 a year! Moreover, you may want to know that basic liability coverage which meets with all minimum requirements set by state law starts at only $750 a year - this would mean less than sixty dollars each month. Are you curious about how much money could you save? All it takes is entering either the city or zip code in our website search tool...
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