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Cheap Auto Insurance in Georgia: Best Companies & Quotes
Georgia drivers know they need car insurance, but they also know they don’t have to pay rates that are unaffordable. With more than 6.5 million drivers living in Georgia, there are numerous insurance options for anyone who needs to add it to their monthly expenses. The cost to insure your vehicle in the Peach State is around $1,300 per year, but that is affected by many outside influences. To find out how you can find the best rates, the best insurance, and the best policy for you, there are things you must know before you assign yourself to a car insurance company in Atlanta, Georgia and the nearby cities throughout Georgia.
Best Car Insurance Companies in Georgia
- Georgia Farm Bureau
- State Farm
|Georgia Farm Bureau||State Farm||Geico||Safeco||Nationwide||Progressive|
|AM Best Financial Strength Rating||B++||A++||A++||A+||A++||A++|
|JD Power 2019 Overall Customer Satisfaction score||5/5||4/5||3/5||3/5||3/5||3/5|
|Avg Annual Premium||$512||$2,562||$784||$1,383||$1,821||$942|
|Consumer Reports Reader Score||N?A||78||78||N/A||N/A||75|
|BBB Rating||Not Rated||B+||A+||A||A+||A+|
Auto Insurance Statistics in Georgia
According to NAIC.org, the auto insurance premiums in Georgia have been fairly close to the national average. The data reflects that Georgia’s auto insurance premium rate is set to exceed the national average.
Top 10 Cheapest Car Insurance Companies in Georgia
|Rank||Company Name||Avg. Annual Premium|
|5||Georgia Farm Bureau||$1,438|
Drunk Driving Fatalities
When shopping for car insurance, it helps to be aware of the level of risk you take on while on the road. Drunk driving is a risk factor to consider when driving in the state of Georgia.The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Georgia vs. nationwide.
Drunk driving fatalities in Georgia from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Georgia has remained lower than the nationwide average. The legal drinking age is 21 years old, however, often teenagers drink and drive, breaking two laws simultaneously. It is important to speak to teens about the potential dangers of drinking and driving. The below statistics represent the percentage of Georgia drivers that are teenagers who are drinking and driving when compared with national averages.
Teen Drinking & Driving in Georgia vs. Nationwide (2017)
SR-22 Insurance in Georgia
SR-22 insurance is an insurance policy that is designated for drivers who have infractions on their records. Unfortunately, Georgia has some of the highest coverage requirements in the country, which means you might also have to pay a bit more than the average for your policy in Georgia. Coverage requirements include property damage coverage of $20,000, single injury coverage of $25,000 per person, and total injury coverage of at least $50,000 per accident.
As with any other type of insurance, it’s critical to compare quotes for your SR-22 insurance policy. Because you have a flawed driving record, some insurance companies will charge you significantly higher premiums for this form of insurance — comparing rates is the best way to ensure you get a bargain.
Also, as coverage levels can often change, make sure to keep up to date with what is required by Georgia’s DMV.
Car Theft in Georgia
Car theft in Georgia is something to consider when picking an automobile policy. With comprehensive auto insurance coverage, drivers can be protected in the event of car theft.
The below data shows how Georgia ranks against other states nationwide in the number of car thefts.
Vehicle thefts by rank nationwide vs. Georgia
Uninsured Motorists in Georgia
Driving on the public roads of Georgia mandates protection against damage caused by uninsured or underinsured motorists. Obtaining uninsured and underinsured motorist coverage will keep you from having to pay out of pocket in the event of an accident. The below data shows how well Georgia ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
The Best Insurance Companies for Cheap Rates
According to national statistics, Georgia residents have the best option to pay lower premiums for their car insurance by choosing specific companies. While it’s not true for all drivers in all situations, it’s true for many of the best auto insurance companies that offer the best prices and the best policies.
Each of these companies is rated highly with their insured customers, and they all have features they offer to help you lower your rates. Some allow you to lower your rates if you buy a new car with more safety features, if you’ve been a long-time customer, and if you have a safe driving record. Others take more into consideration, and they want to know if you are someone worth insuring for less.
Driving Record and Credit
Insurance companies in Georgia take a gamble on insuring you. Your job is to be a safe driver and avoid needing to use your insurance for any reason. One way for insurance companies to tell if you’re an ideal candidate for this is to check your credit and your driving record. Good credit indicates you’re a good candidate to pay your bills on time and stay out of trouble. Bad credit means you probably struggle financially and might be a risk.
Your driving record tells the insurance company how you drive. Numerous tickets and accidents you’ve caused make you look like the least likely candidate for a cheap auto insurance policy. Auto insurance companies check your driving record in the most recent months, but your entire driving record is considered when it comes to choosing a policy price.
Age, Sex, and Marital Status
Many people might consider this discrimination, but it’s not. Businesses are not permitted to discriminate against people who come to work for them, whom they serve, and who they do business with, but insurance companies have the right. It’s because certain drivers are less likely to cause accidents than others. Typically, married couples receive lower rates. Additionally, young women are less expensive to insure. Older men are less expensive to insure than older women, so it does balance out in the long run. You can’t change many of these factors, but you can use them to gather an idea of what it might cost to insure your car when the time is right.
You have the power to negotiate the cost of your insurance premium in Georgia. If you have an insurance company already and you’ve been with them for a long time, it’s worth calling to see if they’re willing to work with you to lower your rate. If you have never made a late payment, you don’t have any accidents, and you’ve never used your policy with them, you have no reason to assume they will deny you this opportunity.
You can compare rates with numerous companies around the state, too. Each one is willing to consider your business as promising, and this means they’re willing to work with you. Compare rates, find the best policy for the least price, and go with that one. You’re in charge of what you pay.
Auto insurance isn’t fun to pay, but it’s one of the most necessary expenses in your life if you own a vehicle. Georgia residents have many options, but it’s important you know how to utilize those options to make the most of what you’re paying for your vehicle’s insurance. You want the best policy, and sometimes it’s not going to be the cheapest plan.
Types of Auto Insurance Coverage in Georgia:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Requirements For Car Insurance in Georgia
There are minimum requirements for car insurance in the state of Georgia. According to the Georgia Office of Insurance and Safety Fire Commissioner, it is mandatory to have at least liability coverage for every registered driver in the state of Georgia.
Liability Coverage minimums for the state of Georgia:
$25,000 personal injury protection for each person
$25,000 for property damage coverage
$50,000 personal injury protection for multiple individuals in a car accident
Cheap Auto Insurance Discounts
Auto insurance discounts can help you to save on the price of insurance that you will have to pay each month. At CheapAutoInsurance.co, we want to help you get the cheapest auto insurance quotes online that are available. Below are some discounts you can ask your insurance provider about to help you save on the amount of your auto insurance premium.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
Getting an insurance in Georgia as well as concerning yourself with things related to it such as claims seem like busywork if you feel like you’re left in the dark in a lot of things. Through this FAQ, we hope to change that.
General Information on Georgia’s Auto Insurance
In this section, you will find basic information on auto insurance in this state.
How does Georgia auto insurance work?
It works like just any other insurance. You pay a certain fee for coverage, and if something that happened to you is covered by your policy, you will be compensated.
How does insurance work in Georgia when you trade a car in?
In this case, you will have to notify the insurance company that you will be transferring the policy to a different vehicle.
What is the minimum auto insurance coverage in Georgia?
Georgia requires the minimum coverage of $25,000 per person and $50,000 per accident on Bodily Injury Liability as well as of $25,000 per person property damage liability. If you’re trying to keep costs as low as possible the look for cheap car insurance liability only.
What auto insurance is required in Georgia?
The state only requires that your auto insurance fulfills the minimum coverage, so you’re free to up your coverage if you want. Related: How much deductible for car insurance should I get?
What is considered full coverage auto insurance in Georgia?
There is no official definition of full coverage, only a common understanding. Full coverage means that your policy is very comprehensive and covers a lot of situations. To find cheap full coverage auto insurance you simply need to compare quotes.
How old do you have to be to get auto insurance in Georgia?
Teens as young as 16 can already get a car insurance. Of course, this means that he at least has a student’s permit already.
Should my son have car insurance when having his license permit or license in Georgia?
While still in the process of acquiring a license, he’s not required to have insurance. Some people still want a car insurance no license option though. However, once he’s off the learner’s permit and already has a license, it’s recommended that he gets insurance coverage. It is possible to find the cheapest car insurance for new drivers if you compare multiple quotes from different companies.
Getting and Cancelling your Car Insurance
The process of beginning and ending your insurance is quite easy, but before you do, make sure you understand the consequences of doing so.
What does Georgia state law say on acquiring auto insurance when purchasing used car?
There isn’t any. However, it is strongly advised that you find out how much your premiums will be before buying a used card. Take a look at the cheapest used car to insure.
If I buy a car in Georgia, how long do I have before I need insurance?
Mist insurance companies have a grace period (maximum of 30 days) when you purchase a new vehicle, but you should still get one as soon as possible. Some people prefer to go with a local auto insurance company when they do this however you can just as easily do this online through our site.
How long do I have to transfer insurance to a new car in Georgia?
You must be able to transfer it before the grace period expires. For example, if your insurance provider gives a seven-day grace period, you should start working on getting your insurance on on Day 1. If you don’t have coverage and just need short term coverage then you could get one day car insurance until you’re ready to commit to a 6 month policy.
If you buy a car from someone in Georgia, how long do you have to get insurance?
Zero days. Your existing insurance will apply to the purchased vehicle once you notify your insurer, but your rates may increase. If you don’t already have insurance then buy auto insurance online right now or visit a local agent.
What do I have to do to cancel my car insurance in Georgia?
Simply let the company know when you intend to effectively cancel the policy, and ask for a refund on the remaining days/weeks that you will not be using.
What happens if I remove insurance from my car in Georgia?
Nothing. You will not suffer any consequences as well if you don’t drive the car.
I live in Georgia, can I add someone who has an out of state license to my car insurance?
No. Typically, non-related people who do not have the same official address cannot be insured under the same policy. If it’s someone belonging to your immediate family, some agents may be more lenient. If you are a serviceman or woman stationed in Georgia, keep in mind that there’s car insurance for veterans that can give you extra discounts.
How long can I suspend my car insurance in Georgia?
For as long as you want. Unfortunately, insurance suspension isn’t very easy to get unless you’re in military.
When do you change your auto insurance coverage during a divorce in Georgia?
You do it before being removed from the shared insurance policy. This way, you’d never have a lapse. Either way be sure to conduct an auto insurance comparison to get the best policy.
What I need first when I buy a car Georgia, license plate or insurance?
Your insurance comes first as it’s one of the requirements before you can obtain a license plate for your vehicle.
Can I use my South Carolina insurance in Georgia?
If you’re just traveling through or staying short term then this shouldn’t be a problem. However if you are permanently moving to Georgia then you need new insurance. Prices may vary a lot depending on the type of insurance you had. For example, if you had cheap sr22 insurance in SC it may or may not cost more in Georgia.
Penalties and Lapses
Find out how penalties on not having an insurance will affect you.
What is the penalty for not having car insurance in Georgia?
You’d have a misdemeanor on your record, up to $1,000 in fines, and up to 12 months in prison. You will also lose the privilege of driving your vehicle for 60 to 90 days.
What happens if you don't have car insurance in Georgia and are in an accident?
If you’re at fault, you will have to liquidate your assets to pay for the damages. At worst, you may even have to file for bankruptcy and even serve time.
How long does a ticket stay on your car insurance Georgia?
Less serious violations such as speeding will be on your record forever, but insurers usually wouldn’t mind it if it has been more than three years already.
What happens if I'm late on my car insurance payment on Georgia?
You will be sent a notice that you have not yet paid and that after a certain date, your policy will be cancelled already.
How do you get by without auto insurance in Georgia?
The only legal way to do so is commuting using the public mass transport system or borrowing an insured car. Some people will just get short term auto insurance if its just a temporary need.
I am selling a car without registration and insurance, how can they test drive in Georgia?
You shouldn’t. Getting insurance and registration is a very simple process which will save you from a lot of penalties if caught. Related: What do I need to insure salvage car?
How long is implied insurance on a new car Georgia?
It depends on your insurance provider. They usually allow a grace period to accommodate the processing time of adding a new car to your insurance.
Where to Get your Car Insurance
All the information given here are based on already existing reviews.
Where do you get high risk auto insurance Georgia?
You can get one from Georgia Automobile Insurance Plan if you pass their eligibility requirements. Else, Zebra made a list of great places to inquire to and get high risk auto insurance quotes.
What is the best auto insurance company in Georgia?
Who has the cheapest car insurance in Georgia?
GEICO was listed by reviews as the cheapest option, but that might not hold true if you are what is considered insurance companies as high-risk like teenagers and senior citizens. Read more about how to get cheapest car insurance.
How do I find the lowest car insurance rates in Georgia for a senior citizen?
There’s no shortcut – the only way to do so is by getting quotes from different companies. You may want to check out aarp car insurance for seniors as some say they offer discounts.
What is the name of the car insurance for teachers in Georgia?
Auto Insurance Cost Issues
Here, you will learn more about the current state of the auto insurance market in the state as well as understand why rates rise and fall.
What is the annual cost of a basic car insurance at Georgia?
Your basic auto insurance will cost around $900 a year, but this number may increase or decrease based on your age, driving record, and other factors.
How much is car insurance per month in Georgia?
If you go a little more than the minimum coverage, you can expect your monthly bill to be at $110.
Why is Georgia car insurance so expensive?
It’s because insurance regulators are basically powerless to control rates because of a state law passed more than a decade ago.
How much is car insurance in Atlanta, Georgia?
The average cost of car insurance in Atlanta is $1,616 per year, a few hundred dollars higher than the state average.
Why is there a large auto insurance increase in Georgia?
Aside from the lack of regulation, bad driving habits can also be blamed. The number of claims made will affect not only the people who were involved in an accident, but everyone.
At what age does car insurance premium go down in Georgia?
When you hit mid-20s and still maintain a good driving record, your insurance premium will gradually go down.
How old for car insurance discount in Georgia?
There is no age-related discount. It is only that insurers deem people of a certain age range much less of a risk compared to those not in that group.
How much have Georgia car insurance rates gone up?
From 2011 to 2017, insurance rates have only gone up by 2.41 percent. The increase is highly varied across the driving population with some experiencing 23 percent hike while others, below 1 percent. Some people look for low income car insurance programs when the rates have become too high for them.
I am a Georgia driver, and I am tired of my car insurance rates rising every 4 months, what can I do?
If you have a good record, you may be in a good position to renegotiate your rates. You can also look at other options to see if you’ll get a better deal.
How much will a 19 year old boy need to pay for down payment on car insurance in Georgia?
You don’t necessarily have to. A lot of insurers don’t require a down payment in hopes of building a loyal customer base for the next decades. That being said look for the lowest down payment auto insurance being offered of course since it can be optional depending on the insurer. Related: How much is car insurance for 17 year old drivers?
What is the annual cost for state minimum car insurance at Marietta, Georgia?
For full coverage, it will cost an annual average of $976 assuming you have good credit and no violations.
What is the annual cost of multiple car insurance at Georgia?
It can’t be determined because aside from your driving record, the cars themselves are a big factor in determining your rates.
What does the average 28 year old male in Georgia pay for insurance car?
A person of your age should spend around $1,300 on your car insurance per year. Note that this number may change depending on your location in the state, among many other factors that determine car insurance average cost.
what price should I be paying for car insurance in Georgia zip code 30107 as someone aged 65 and has no accidents?
By that age, your rate will have gone up already. Your annual premium should make your pockets about $1,200 lighter.
How do Florida auto insurance rates compare to Georgia?
Georgia may be one of the most expensive places to get car insurance, but Florida has it worse, ranking as the third most expensive this year. Insurance type is also a big factor here such as sr22 Florida policies vs Georgia.
How does Georgia rank with car insurance?
Currently, Georgia ranks 8th even though it doesn’t have as large a population as Texas or California which placed 10th and 7th, respectively. This also depends on the type of insurance you’re talking about. For example, Texas sr22 insurance could be a lot different than Georgia.
How can I keep my car insurance from going up every few months as a Georgia resident?
How do I save on Georgia car insurance?
Which has more expensive car insurance, Georgia or California?
California is more expensive in general and in fact one study showed its $250 more annually on average. However depending on the type of insurance you’re referring to this could vary a lot. For example the cheapest SR22 insurance California policies may still be more expensive than Georgia.
How to calculate insurance on new motorcycle?
The best way to calculate insurance on a new motorcycle is to use the online tools provided by various insurance companies. In order to get cheap motorcycle insurance you’ll need to compare multiple quotes.
Other FAQ on Auto Insurance in Georgia
With everything covered already, this section will cover non information-based questions which do not necessary or directly help you with getting an insurance.
What does everyone ought to know about car insurance companies in Georgia?
Car insurance companies in the state are overprotected by law, enabling them to arbitrarily raise their rates. That’s the reason why premiums are comparatively high compared to the justifications for the increase. Also, if you have an old collector car you can save a lot by going with a classic auto insurance company versus traditional insurance.
Why do you really need auto insurance quotes in Georgia?
You can’t afford to just go with the first prospect that said yes. It is in your best interest to find the best deal out there through comparing cheap car insurance quotes.