Cheap Car Insurance in Georgia

Cheap Car Insurance in Georgia

It is mandatory to get car insurance in Georgia for drivers to drive legally in the state. Different companies in Georgia provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Georgia:

Name of the Company Average annual car insurance premiums
Auto-Owners $852
Travelers $1311
Allied $1327
Safeco $1387
Georgia Farm Bureau $1442
USAA $1548
Cal Casualty $1550
State Farm $1741
Nationwide $1826
Metropolitan $1861
Central Mutual Insurance Co $2051
Allstate $2130
Progressive $2196
Country $2267
Victoria $2480
Encompass $2598
Mercury $2642
GEICO $3233

Cheap car insurance in Georgia for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Georgia with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Georgia provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Georgia by maintaining a good driving record. Most auto insurance companies in Georgia provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $292 on car insurance premiums in Georgia.
  •  Drivers may save $837 on car insurance premiums if they have an accident-free record in Georgia.
  •  By maintaining a good credit history you may save $1093 on car insurance premiums in Georgia. 

Cheap car insurance for inexperienced drivers in Georgia

Most auto insurance providers may charge high auto insurance premiums in Georgia from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Georgia vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Georgia. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $5500 $6282
17 $5346 $5256
18 $5333 $4630
19 $4900 $3448

Affordable auto insurance in Georgia for high-risk drivers

Car insurance companies in Georgia charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Georgia can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Georgia may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $2206
DUI $2106
Speeding Violation $1661
Bad Credit $2462

Best car insurance companies in Georgia

Car insurance prices in Georgia may vary from company to company. Some companies in Georgia charge lower car insurance premiums than others. To get the best auto insurance policy in Georgia you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Georgia by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Georgia:

  1. Allstate
  2. Auto-Owners
  3. Cal Casualty
  4. Central Mutual
  5. Country
  6. GEICO
  7. Georgia Farm Bureau
  8. Liberty Mutual
  9. Nationwide
  10.  Progressive
  11.  Safeco
  12. State Farm
  13. Travelers
  14. USAA
  15. Victoria

What auto insurance coverage is mandatory to purchase for drivers in Georgia?

The average annual cost to get the minimum required coverage in Georgia may be around $667.  The minimum required coverage for drivers in Georgia to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $25000

 

The state minimum auto insurance requirements in Georgia

The state minimum auto insurance coverage requirement in Georgia is liability coverage.

  1. $25000 bodily injury coverage per person is required in Georgia.
  2. $50000 bodily injury coverage per accident is required in Georgia.
  3. $25000 property damage coverage per accident is required in Georgia.

Other types of optional coverages in Georgia are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Uninsured/Underinsured Motorist Bodily Injury
  7. Uninsured Motorist Property Damage
  8. Bodily Injury
  9. Medical and Funeral Services

Fine for driving without car insurance in Georgia

If anyone caught driving without a car insurance policy in Georgia then police may charge a fine or suspend driver’s license. 

Car insurance prices by cities in Georgia

Car insurance premiums in Georgia may vary from city to city. In some cities of Georgia, car insurance prices are high compared to others.

City Average annual insurance premiums
East Point $2262
Atlanta $1927
Mableton $1870
Smyrna $1831
Sandy Springs $1797
Marietta $1793
Dunwoody $1746
North Atlanta $1740
Savannah $1711
Macon $1708
Alpharetta $1699
Gainesville  $1656
Columbus $1612
Rome $1585
Warner Robins $1553
Peachtree City $1550
Athens $1525
Augusta $1523
Albany $1492
Dalton $1446
Valdosta $1283

If you are looking for a car insurance deal in Georgia, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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