Auto Insurance: Georgia Vs Tennessee, Who's Cheaper?

The cost of car insurance varies from state to state. Georgia's average premium ($1,535/year) is comparable with the nation's average ($1,529), costing just $6 more. However, Tennessee is not mentioned in the sources provided.

Georgia's average car insurance premium is $1,535 per year, which is $6 more than the national average

The cost of car insurance in Georgia can vary depending on several factors, including age, gender, marital status, driving record, and credit score. For example, younger drivers tend to pay more for car insurance than older drivers, and drivers with a clean driving record typically pay less than those with accidents or violations on their record. Additionally, the city in which a driver lives can also impact the cost of car insurance, with rates varying between different cities in Georgia.

Overall, while the average car insurance premium in Georgia is slightly higher than the national average, there are still ways to find cheaper car insurance in the state. Shopping around and comparing quotes from multiple insurance providers is one way to find more affordable coverage. Additionally, maintaining a good driving record, choosing a higher deductible, and improving credit score can also help lower car insurance premiums.

Georgia's Farm Bureau offers the cheapest full coverage in the state, with an average rate of $1,403 per year

Georgia Farm Bureau offers the cheapest full coverage in Georgia, with an average rate of $1,403 per year, according to NerdWallet's August 2024 analysis. The average cost of full coverage in Georgia is $2,051 per year, or $171 per month.

Georgia Farm Bureau Insurance is only available to individuals in Georgia who are also members of its organisation. The company offers standard coverage types such as liability, collision, comprehensive, and uninsured and underinsured motorist. Emergency roadside assistance is automatically included in the policy, unlike many car insurance providers that only offer this coverage as an endorsement.

The average rate of a full-coverage Georgia Farm Bureau policy is slightly higher than the national average cost of car insurance ($2,014). The 2023 annual average full-coverage premium for this provider is $2,133, and for minimum coverage, the average annual premium is $502.

The company also offers home insurance, which is relatively affordable compared to the national average. For $250,000 in dwelling coverage, policyholders with Georgia Farm Bureau pay an average of $1,300 per year. Nationally, this same amount of coverage is $1,428 per year.

Georgia's minimum liability coverage includes $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability per accident

The minimum liability coverage in Georgia is an important protection for all drivers in the state, as it helps to ensure that they are financially responsible in the event of an accident. This means that if a driver is found to be at fault for an accident, their insurance company will help to pay for the damages caused to the other individual's vehicle or property, as well as any bodily injuries that they may have sustained. This can include medical expenses, lost wages, vehicle repair costs, and pain and suffering.

In addition to the minimum liability coverage, drivers in Georgia also have the option to purchase additional types of auto insurance, such as collision coverage and comprehensive coverage. Collision coverage helps to pay for losses associated with vehicle collisions, while comprehensive coverage includes protection for theft, vandalism, and fire-related losses. It is important for drivers in Georgia to understand the different types of auto insurance available to them and to choose the coverage that best meets their needs and provides them with the necessary financial protection in the event of an accident.

Furthermore, it is worth noting that the minimum liability coverage in Georgia may not be sufficient for all drivers. Depending on the severity of the accident and the extent of the damages, the costs may exceed the minimum coverage limits. In such cases, the at-fault driver may be held personally liable for any damages that exceed their insurance coverage. Therefore, it is advisable for drivers to carefully consider their insurance needs and choose a policy that provides them with adequate protection.

Georgia's Auto-Owners Insurance is the cheapest option for young drivers, with an average rate of $1,757 per year for a 19-year-old

Auto-Owners Insurance is a good option for most Georgia drivers, with low rates and a wide selection of coverages and add-ons to choose from. The company offers various discounts for young drivers, including for good students and those who complete a driver education training course.

The cost of car insurance in Georgia can vary depending on several factors, including age, driving history, and credit score. It is important to shop around and compare quotes from multiple insurance providers to find the best rate.

In addition to Auto-Owners Insurance, other cheap car insurance companies in Georgia include Central Insurance, Country Financial, USAA, and Geico. These companies offer competitive rates and various discounts that can help lower the cost of car insurance.

It is worth noting that the cost of car insurance in Georgia has been on the rise, with the average annual rate increasing from $2,543 in 2023 to $2,610 in 2024. This is higher than the national average of $2,543. However, a new law gives the Georgia insurance commissioner more power to keep rates affordable by pre-approving rate hikes before they go into effect.

Georgia's State Farm offers the cheapest rates for drivers with a DUI, with an average rate of $1,685 per year

State Farm's sample rates are higher than the statewide averages in Georgia for young adults and seniors. Geico's sample rate is the highest in the analysis for drivers after a DUI. Its average annual cost is $3,293.

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