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Looking for auto insurance in Georgia? We have everything you need to know to get a sweet deal on car insurance in the Peach State.
This page touches on coverage requirements, state insurance laws, risks, and other useful info for Georgia drivers.
How much does car insurance in Georgia cost? Average rates in the state are a hair above the rest of the country. Auto insurance rates average $896.50 a year in Georgia. The national annual average is $889.01
The type of car you own, driving history, zip code, and number of claims can affect your rate.
|Total Cost Per Year||$896.50|
|Price Per Month||$74.70|
|Source: Facts + Statistics: Auto insurance|
This graph shows the increase in car insurance rates from 2011 to 2015, the most current data available. According to the Insurance Information Institute, Georgia car insurance rates went up from $754 in 2011 to $896 in 2015, an 18.89 percent jump.
In order to get the best quote available to you in Georgia, you'll have to shop around. Getting individual quotes from top insurance companies is a time-consuming process. But QuoteWizard makes it easy to compare rates from multiple companies.
Last year, over 110,000 drivers used QuoteWizard to compare car insurance quotes in Georgia to get the cheapest rates.
These are the most popular insurers reported by QuoteWizard users in Georgia in 2017. Out of the 115,555 Georgia drivers that used QuoteWizard last year, 11,251 were uninsured.
These are the most commonly owned cars of Georgia drivers wanting car insurance quotes through QuoteWizard last year.
If you have marks on your driving record, insurers may consider you high-risk. It costs more for insurance companies to cover high-risk drivers, and some may refuse a policy altogether. The Georgia Automobile Insurance Plan helps high-risk drivers get minimum coverage.
These companies offer insurance policies for high-risk drivers in Georgia:
Insurers consider teens to be higher-risk drivers than most other groups. As such, teens tend to pay more for auto insurance. Between accidents and tickets, teens are an insurance liability.
Our study found that teens pay $438 a month for an individual policy. The amount drops to $278 if they get on a parent's plan. No matter how you approach it, insuring a teen driver is expensive. Fortunately, many companies offer a discount for students with good grades.
These insurance companies offer good policies for Georgia teens:
Why is car insurance so expensive in Georgia? With sprawling communities and few public transportation options, commutes are longer for Georgians. This leads to more time on the road and, subsequently, higher insurance rates.
Georgia also ranks 25th in the nation for the most uninsured drivers. Twelve percent of Georgian drivers being uninsured is going to affect rates statewide.
Georgia state law requires drivers to carry minimum coverage of 30/60/25. This means your auto policy must have:
While minimum coverage is cheap, it probably isn't your best option. Minimum coverage does not include comprehensive or collision. If you have an accident, you can wind up paying a lot out-of-pocket.
Minimum coverage is there to pay for damages to other people, their car, and their property. It does nothing to cover you, your injuries, your vehicle, or your property. If you have an accident and all you have is minimum coverage, you'll have to pay for your own expenses.
Collision coverage pays for damages to your car after an accident. Comprehensive coverage pays for damages when another car isn't involved in the accident. This includes natural disasters, theft, falling trees and branches, and more.
To cover your bases, we recommend that Georgia drivers buy the following coverage:
If it's in your budget, buy comprehensive and collision coverage. Look for a good deductible. You should also look for uninsured/underinsured coverage, if possible. This helps cover damage caused by drivers with little or no auto insurance. Medical payment coverage and personal injury protection to cover medical bills from accidents.
Georgia drivers need to have an insurance identification card when driving. You'll get the ID card when you get your insurance policy. The card must include the following:
If you cannot show proof of insurance, fines can be as much as $160. If you don’t have minimum insurance coverage, you'll risk suspended or revoked registration.
Georgia drivers with suspended licenses must file an SR-22 form. "SR" is short for safety responsibility. It certifies that a driver has the minimum required amount of insurance.
Georgia State law requires the carrying of an SR-22 for three years. Failure to pay your premium during this time will result in an invalid SR22 and a suspended license.
In Georgia, a formula is used to calculate total loss. Combine the repair costs with the car's salvage value. If that number is greater than the car's actual cash value, your insurer will consider it a total loss.
Buying insurance for a rebuilt or salvage title in Georgia is tricky. Some insurance companies won't cover such vehicles. Expect to pay higher rates if your car has a rebuilt or salvage title.
To cut down on distracted driving accidents, Georgia outlaws the use of handheld devices while driving. Law enforcement can pull you over and cite you if they see you driving with a phone in hand. The same applies to texting while driving. Driving with a hands-free device is the safest way to go.
Georgia's distracted driving laws are more extensive than other states. Other activities they consider distracted driving include:
If you drive in Georgia with a Blood Alcohol Content level of 0.08 percent or higher, you're guilty of DUI. Penalties for DUI include jail time, fines, license suspension, and an ignition interlock device. If you get multiple DUIs, punishment is more severe.
On top of that, a DUI will raise your insurance premiums. Our study shows that drivers can expect to pay an extra $830 per year for car insurance after a DUI.
Car insurance rates normally increase once a driver turns 65. In Georgia, once you turn 64 you're required to pass a vision screening each renewal period. Drivers must have at least 20/60 vision in one eye, and field vision of at least 140 degrees. If drivers can’t pass the vision test, they'll need to obtain paperwork from an optometrist.
When driving a vehicle registered out-of-state in Georgia, you must have the type of insurance required by that state as well as correct proof of insurance.
Our study shows that Georgia has the 11th worst drivers in the country. On top of that, Atlanta is the 26th worst driving city in America. Rankings account for accidents, DUIs, speeding tickets, and citations in Georgia.
If you live in an area with bad drivers, expect to pay more for car insurance. Sharing the road with bad drivers makes you more likely to file a claim.
In 2017, there were 1549 traffic fatalities in Georgia. It’s a slight decrease from 1561 in 2016, but an 8.17 percent increase over fatalities in 2015.
Areas with a high rate of traffic fatalities often face higher insurance rates
Georgia had 26,801 vehicles stolen in 2016, ranking it fifth for most motor vehicle thefts in the nation. This is less than a 1% decrease under the 26,854 vehicle thefts Georgia had in 2014. Since insurance covers theft, rates rise in areas with lots of stolen cars.
If you're looking for cheap auto insurance, Georgia drivers have many options:
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