Auto Insurance In Georgia: Affordable Options And More

Finding cheap car insurance in Georgia can be challenging, but it's not impossible. The cost of car insurance in Georgia is slightly higher than the national average, with drivers paying an average of $2,562 per year for full coverage and $861 per year for minimum coverage. The cheapest car insurance companies in Georgia for minimum coverage include Encompass, Auto-Owners, and Central Insurance, while Mercury, Auto-Owners, and Allstate offer the lowest rates for full coverage.

To get the cheapest car insurance in Georgia, it's important to shop around and compare quotes from multiple providers. It's also a good idea to look for discounts, such as good student discounts for young drivers or safe driver discounts. Additionally, maintaining a clean driving record and good credit score can help lower your insurance premiums.

It's worth noting that the cost of car insurance in Georgia can vary depending on age, driving history, and location. Teen drivers, for example, typically pay significantly more for car insurance than older adults.

Minimum coverage requirements for Georgia drivers

Georgia drivers must carry liability insurance that meets the state's minimum limits. The minimum amounts for liability coverage are:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident, for two or more people
• $25,000 for property damage liability per accident

These minimum limits are intended to provide a basic level of protection for those involved in a car accident. Liability coverage pays any claim for damages asserted against the at-fault driver. If a person is injured due to your negligence, their medical expenses, lost wages, vehicle repair costs, and pain and suffering will be covered. If the other driver is unable to work because of injuries, their lost income will also be paid from this coverage. Legal fees resulting from a court's judgment are also covered.

While Georgia does not mandate drivers to carry collision or comprehensive insurance, it is worth considering for protection against theft or natural disasters. If you finance or lease a vehicle, lenders typically require both types of coverage to protect your investment.

Cheapest car insurance companies in Georgia for minimum coverage

The cost of car insurance in Georgia is determined by several factors, including age, location, driving record, and vehicle type. The average cost of minimum coverage in Georgia is $720 per year, but some companies offer cheaper policies. Here are some of the cheapest car insurance companies in Georgia for minimum coverage:

• Central Insurance: Offers the cheapest rates for minimum coverage, with an average of $351 per year for a 35-year-old driver with a clean driving record.
• Auto-Owners Insurance: Has the second cheapest rates for minimum coverage, with an average of $49 per month or $582 per year.
• Country Financial: Offers affordable rates for minimum coverage, especially for high-risk drivers.
• USAA: Available only to military members, veterans, and their families, USAA offers competitive rates and various discounts.
• Geico: While not the cheapest overall, Geico offers affordable rates for seniors and is one of the few providers with senior-specific discounts.

It's important to note that car insurance rates can vary based on individual factors, so it's recommended to compare quotes from multiple providers to find the best rate for your specific situation. Additionally, consider the coverage limits and available discounts when choosing a car insurance company.

Cheapest car insurance in Georgia for full coverage

Full coverage car insurance in Georgia costs an average of $2,167 per year, or $181 per month. The cheapest full coverage car insurance in Georgia is offered by Georgia Farm Bureau, with an average rate of $1,403 per year, or $117 per month.

Cheapest car insurance companies in Georgia for full coverage

According to different sources, the cheapest full coverage car insurance in Georgia is offered by the following companies:

• Georgia Farm Bureau
• Auto-Owners
• Mercury
• Central Insurance
• Country Financial
• Allstate
• Encompass

Factors affecting car insurance rates in Georgia

Car insurance rates in Georgia are determined by various factors, including age, driving history, credit score, vehicle type, and location. Rates can vary significantly between different drivers and companies, so it is recommended to shop around and compare quotes from multiple providers to find the cheapest option.

Cheapest car insurance in Georgia for drivers with prior incidents

Georgia drivers with prior incidents may find lower insurance premiums with a provider that specializes in high-risk drivers. Comparing rates between insurance companies is paramount.

Cheapest car insurance for drivers with a ticket

Mercury and Auto-Owners offer the lowest average rates for drivers with speeding tickets in Georgia.

Cheapest car insurance for drivers with an at-fault accident

Encompass and Auto-Owners have the lowest average insurance rates for drivers with an at-fault accident.

Cheapest car insurance for high-risk drivers

Mercury has the lowest average rates for high-risk drivers in Georgia.

Cheapest car insurance for drivers with a DUI

Allstate has the lowest average annual premium for 21-year-old drivers with a DUI.

Cheapest car insurance for young drivers in Georgia

Car insurance for young drivers in Georgia can be expensive, but there are ways to save money. Here are some of the cheapest options for young drivers in the state:

Cheapest car insurance for teens in Georgia

• Encompass: According to Bankrate, Encompass offers the cheapest car insurance for teens in Georgia, including those with a ticket or an at-fault accident on their record.
• Allstate: Allstate is the cheapest option for teens with a DUI, according to Bankrate.
• Country Financial: Country Financial is the cheapest option for male teens, according to US News.
• Allstate/Geico: For female teens, Allstate and Geico are the cheapest options, according to US News and MoneyGeek, respectively.

Cheapest car insurance for young adults in Georgia

• Country Financial: Country Financial is the cheapest option for young adults in Georgia, according to MoneyGeek and US News.
• Allstate: Allstate is another affordable option for young adults, according to MoneyGeek and US News.

Cheapest car insurance for seniors in Georgia

• Country Financial: Country Financial is the cheapest option for seniors in Georgia, according to MoneyGeek and US News.
• Auto-Owners: Auto-Owners is another affordable option for seniors, according to MoneyGeek and US News.

Frequently asked questions