Getting car insurance quotes in GA can be tricky — it’s tough to riffle through all the options to determine which ones truly offer great service, prompt claims fulfillment and discounts for safe drivers.
Benzinga has done all the hard work for you. We’ve compared the best insurance quotes in Georgia and the companies that offer the best prices and coverage. Here’s how to make an informed, confident decision.
Best Car Insurance in Georgia:
Georgia Car Insurance Requirements
Georgia has 2 state agencies for its motor vehicles. The first, the Department of Driver Services, handles licenses and learner’s permits. The Motor Vehicle Division of the Georgia Department of Revenue takes care of vehicle registrations, titles and license plates. You must have proof of insurance in order to register your vehicle.
Georgia State Minimum Car Insurance
In addition, Georgia law requires all drivers to have minimum levels of auto insurance coverage, including:
- Bodily injury liability: This coverage takes care of individuals in another vehicle when you’re responsible for an accident. You’ll need $25,000 per person and $50,000 per accident in Georgia at the minimum.
- Property damage liability: This insurance covers property owners in the event that a property is damaged as a result of your negligence. You’ll need at least $25,000 per accident coverage.
- Uninsured motorist bodily injury*: Uninsured motorist bodily injury covers you for medical injury in the event that the driver at fault has no insurance or not enough — the minimum is $25,000 per person and $50,000 per accident.
- Uninsured motorist property damage*: Uninsured motorist property damage covers property damage in the event that an uninsured motorist does not have enough coverage — the minimum is $25,000 with a deductible of $250, $500 or $1,000.
* Uninsured motorist property damage is optional but highly recommended in case you’re hit by an uninsured or underinsured driver and they do not have enough insurance to cover your injuries or cause damage to your vehicle or property.
Average Car Insurance Cost in Georgia
The average car insurance rate in Georgia is $1,340 per year, but the rate that you pay depends on a variety of factors.
What Affects Your Rate
- Your credit score: Your credit score is a 3-digit number that gives insurers a snapshot of your financial responsibility. Insurers can gain some insight into your ability to pay on time and pay consistently. Take steps to raise your credit score and save yourself some money in the process.
- Your driving record: Are you a courteous and conscientious driver, or do you have a pile of speeding tickets hiding in your glovebox? A clean driving record can help if you lower your car insurance rates.
- The year make and model of the car you drive: Smaller, sportier cars and larger SUVs tend to cost more to insure because of their propensity for higher speeds and greater property damage.
The things you cannot control only marginally affect your insurance rates, but include:
- Your age: Teenagers and senior citizens are more likely to cause accidents on the road than members of other age groups.
- Your gender: Men statistically tend to have more accidents than women.
The reason insurers tend to group people into different segments is based entirely on avoiding risk as much as possible. Lower-risk groups tend to pay less for their car insurance because they are more careful, more financially responsible and more.
Of course, there are teens and senior citizens who have flawless driving records and women who drive recklessly. There is no one-size-fits-all approach. That’s why each insurer has a specific formula that they use to help them calculate risk. Unfortunately, these formulas differ from company to company and are not made public.
Cheapest Cars to Insurance in GA
How does the car you drive impact the rate you pay for insurance? Insurance companies in Georgia segment vehicles into different groups based on risk, just like they do for different categories of people.
Smaller, sportier vehicles have a greater likelihood of being driven fast or recklessly and large SUVs tend to cost more to insure because they can do more in property and vehicular damage when an accident occurs.
Mid-size cars, sedans and SUVs tend to be the cheapest to insure. Common cars like the Nissan Altima, Chevrolet Impala and Toyota Avalon tend to be popular brands across the state of Georgia.
Georgia Car Insurance for Bad Credit
Just how much does your insurance credit score affect your car insurance rates? We took a look at cheap car insurance rates tied to credit score levels and what insurance companies would charge for the absolute state minimum coverage.
Insurance Rates for Good Driving Record GA
A clean driving record may save you hundreds of dollars on your car insurance. Keep in mind that there are various tiers of auto insurance you can buy in Georgia. For example, collision helps repair damage to another person’s vehicle in the event that you’re at fault for an accident, while comprehensive covers damage to the vehicle outside of normal driving situations. This can include things like weather damage, fire, theft or vandalism.
Full coverage generally means that a given policy includes all 3 options: comprehensive coverage (for damage to a vehicle outside of a crash), collision (which includes damage caused by a crash) and liability coverage, for when the other driver does not have coverage or not enough to account for the damages and injuries caused if they are at fault.
Georgia High Risk Driver Insurance Rates
You may still be able to save money depending on the severity of the infractions you’ve incurred even if you don’t have a perfect driving record.
If you have less than perfect driving history, you can expect to pay a little more on your car insurance. All offenses are not weighted the same. More severe violations lead to a higher rate.
Here’s a glimpse at 3 common driving violations and how they affect your rate:
- At-fault accident: This is an accident you are partially or fully responsible for.
- Speed violation: This involves driving too far above or below the posted speed limit.
- DUI: This is driving under the influence of alcohol or drugs and severely mar your record. Getting a DUI is considered a very serious infraction and a criminal offense. Expect drastic changes to your car insurance price if you have a DUI conviction. In Georgia, if you’re 21 or older and pulled over with a blood alcohol content level at 0.08 or higher or are under 21 with a level of 0.02 or higher, you’ll be arrested and charged.
As you’ll note in the table below, DUI infractions carry a much stiffer penalty than speeding tickets, so it’s a good idea to drive safe and sober to protect yourself and those around you.
Best Car Insurance Providers in Georgia
The best car insurance companies in Georgia are those that provide you with dedicated service, prompt claims resolution and a price that works with your budget. When you consider all of these points together, these are the insurers that truly stand head and shoulders above the rest.
1. Best Overall: State Farm
State Farm is a great option for auto insurance coverage in Georgia because of its excellent customer service and easy-to-use app that helps document and view your claim progress.
You can also get help online and by phone. State Farm is consistently rated among the highest car insurance companies for prompt claims payment and diligent follow-up after an accident.
2. Cheapest Car Insurance in GA: State Farm
State Farm is also our top pick for the cheapest car insurance in Georgia. State Farm’s rates were some of the lowest among the top insurance carriers we compared. You often get what you pay for, but State Farm’s financial stability and large presence in Georgia mean that it’s an insurance company you can count on.
Allstate is a great option whether you want to add a new vehicle to your policy, you’ve got a new teen driver in the house or you want to bundle home and auto insurance to save money.
The discounts can add up quickly, so be sure that when you request a free quote, you ask for any additional discounts you may be entitled to, such as a good student discount for your teen driver, a defensive driving discount, a paperless billing discount and more.
4. Best for Military Personnel: USAA
USAA markets itself as an insurer for military men and women and their spouses, but the truth is that if you are a spouse or child of an active serviceman or woman who has USAA, you can also qualify for this excellent and affordable auto insurance.
Its great service and fast claims payment makes USAA an insurer that’s often passed down from generation to generation.
Choose the Best Auto Insurer in Georgia
Carefully weigh your options and decide between the best balance of price and coverage as well as the speediness with which claims are handled in case of an accident. Find out exactly what you’ll pay for car insurance quotes in Georgia and get an online quote from the companies we profiled.
The process of getting an online quote is very simple and straightforward, and it takes just a few minutes to get started. Your agent can give you a personalized estimate and let you know about any other discounts you’re entitled to beyond the ones mentioned here. Try it now and see how much you could save!
Frequently Asked Questions
Is car insurance required in Georgia?
Georgia law requires all drivers to have minimum levels of auto insurance coverage, including bodily injury liability, property damage liability, uninsured motorist bodily injury and uninsured motorist property damage.
How much is car insurance per month in Georgia?
This depends on a number of factors, but the average cost according to our research u
How do I bundle my car insurance with another policy, and should I?
An agent can help you bundle your car insurance with another policy. You can get a discount on your premium by bundling your home and auto together, for example. Check out the top providers here.
*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners' secure websites.
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