Cheap Georgia car insurance

Across the Peach State, there are 257,077 miles of road just waiting to be driven. We’ll get you prepped with the cheapest car insurance in Georgia, then you take the wheel.

Cheap car insurance in Georgia

Cheap insurance for good drivers in Georgia

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Georgia drivers without a recent at-fault accident save 37% on their car insurance, on average — a solid amount more than the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Cheap insurance for young drivers in Georgia

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Georgia, the typical teen driver pays $5,082 per year — about $100 more than the national average and more than three times what the average Georgia driver pays.

Cheap car insurance for bad drivers in Georgia

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 34% after a DUI, 37% after an at-fault accident, and 17% after a speeding ticket in Georgia. Car insurance companies penalize Peach State drivers less severely after DUI violations than many other states. If you have a sparkling clean driving history, be sure to inquire about your insurer's safe driver discount.

What are the best auto insurance companies in Georgia?

Each auto insurer boasts about its low costs. But just like with any product, the cheapest choice isn't always the finest idea. Considering the stakes, it's worth doing the due diligence to find an insurance policy that protects your car completely in the event of a collision. Work to find the best value, rather than settling for the most affordable car insurance you can find.

Review popular auto insurers' financial strength and claims satisfaction ratings to better understand the quality of service you'll receive. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — assesses an insurance company's financial strength and ability to meet its contractual and policy obligations.

What is the Best Auto Insurance Coverage in Georgia?

The minimum required insurance in Georgia is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

If you elect the minimum required coverage in Georgia, you'll pay a mean of $661 annually. This expenditure is more expensive than the U.S. average by 1%. If you want better coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by vehicular accidents, theft and vandalism, or weather conditions. However, better coverage comes with a price: in Georgia, a comprehensive insurance policy with a $1,000 deductible runs $1,246, 88% more than liability-only coverage. For comprehensive coverage with a $500 deductible, you can expect to pay 110% more than you would for liability-only insurance.

Analyze average expenditures for basic, good, and great insurance levels below.

Georgia car insurance laws and requirements

What are the state minimum insurance requirements in Georgia?

In Georgia, the state minimum coverage requirement is liability coverage with limits of:

• Bodily injury: $25,000 per person
• Bodily injury: $50,000 per accident
• Property damage: $20,000 per accident

Optional coverage in Georgia (varying by carrier) includes:

• Comprehensive
• Collision
• Loan/Lease Payoff
• Medical and Funeral Services
• Rental Car Reimbursement
• Roadside Assistance
• Uninsured Motorist
• Bodily Injury
• Uninsured Motorist Property Damage

Additional info on insurance requirements in the state of Georgia:

• Georgia Car Insurance Laws

Georgia auto insurance FAQs

Do I need to have car insurance in Georgia?

Yes. If you have a vehicle registered in the state of Georgia that is driven or parked on public roads, you need to maintain at least state-minimum liability insurance.

Does insurance follow the car or driver in Georgia?

In Georgia, car insurance follows the vehicle. If you borrowed a friend's insured vehicle and got into an accident, your friend's insurance would cover the damage.

Can my car be impounded for driving without insurance in Georgia?

This depends on how the law is enforced by the police. Because it is a misdemeanor to drive without insurance in Georgia, the vehicle could be impounded. Your license and registration could be suspended, and you could face fines.

How do tickets impact car insurance rates in Georgia?

If you get a ticket, your auto insurance premiums may rise. How much your rates rise depends on the specific citation, your insurance company's pricing strategy, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Georgia after a few common citations.