Georgia Car Insurance
Everything You Need to Know About Auto Insurance in Georgia
Bordered by four Southern states and the Atlantic Ocean, Georgia is home to more than 10.9 million residents, making it the eighth most-populated state in the nation. Known for its peaches and peanuts, the Vidalia onion, and songs that keep its name on singers’ minds and tempt brave souls to challenge the devil to a fiddling contest, this state packs as much Southern charm as its flower, the Cherokee rose.
Founded as a province in 1732, the land was colonized by the British 20 years later. Admitted to the Union in 1788, it was the last and southernmost member of the 13 original colonies. It was also the last southern state to be restored to the Union after withdrawing from it during the Civil War when it became one of seven Confederate states. From a past steeped in conflict and slavery emerged the Civil Rights movement of the 20th century, led by Dr. Martin Luther King, Jr., an Atlanta native.
If you are planning a trip to Georgia or already live there, you’ll want to put some awesome destinations on your places to visit, including Lookout Mountain, the Appalachian Trail or take the kids for a free visit to BabyLand General Hospital in Cleveland, where new Cannage Patch Kids are born.
If you’re looking for an affordable auto policy to keep you and your loved ones safe on the road, InsureOne expert agents can help you find the best auto insurance at a great rate in Georgia.
How Much Does Car Insurance Cost in Georgia?
Georgia drivers pay annual auto premiums of $2,085 for full coverage and $639 for minimum liability insurance.
These premiums are slightly higher than national averages, which are around $2,014 and $622 for full and minimum coverage, respectively. That means Peach State drivers pay $71 more for a full coverage policy and $17 more for a basic one than drivers nationwide.
What Does Full Coverage vs. Minimum Liability Mean?
Full coverage provides state-mandated liability coverage, plus collision, and comprehensive insurance, which kick in if someone crashes into you or your car is damaged in a storm. Minimum liability coverage only provides the state-mandated amount needed to cover injuries and property damages if you cause a crash.
Affordable Car Insurance Rates Comparison by Cities in Georgia
For a comparison of the average monthly premiums drivers in different cities across the state pay, check out our breakdown below.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Atlanta | $173 | $65 |
| Savannah | $152 | $53 |
| Albany | $134 | $44 |
| Columbus | $140 | $47 |
| Macon | $150 | $56 |
Our average monthly premiums by city are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Georgia.
How Bundling Your Vehicle and Homeowners Insurance Can Save You Money in Georgia
Bundling coverages typically reduces annual premiums by around 5% to 25%. This especially benefits homeowners, who tend to pay more to protect their properties than renters do.
If you own a house near Atlanta, Augusta, or any other city or town in the Peach State, for example, and you bundle your home and auto coverage, you’ll likely get the maximum 25% discount on your premium. By comparison, someone renting an apartment might only receive a discount of up to 15%.
An InsureOne agent can help you build a quality package that meets your needs and budget. They do all the work, comparing offerings from top providers, which saves you time and money.
What Types of Auto Discounts Are Available in Georgia?
You can save money on your premiums if you’re eligible for one or more driver discounts. For example, bundling homeowners insurance with a multi-vehicle auto policy could bring your rate down by as much as 25% if you own a house and two cars.
Other rate-reducing discounts include:
- Good driver
- Defensive driver
- Military
- Anti-theft
- Loyalty
- Good student
Georgia Car Insurance Laws
Georgia has a 25/50/25 minimum mandatory liability coverage requirement, and drivers must always carry proof of having it. Here’s a closer look at what this means.
What Are the Mandatory Car Insurance Requirements in Georgia?
Georgia law requires drivers to have 25/50/25 minimum liability coverage. This helps pay for medical costs and property damage you cause if you’re responsible for a crash. These limit amounts mean that if you cause a crash, your policy must cover the following:
- $25,000 to pay the medical expenses of an injured person or their funeral expenses if they die from their injuries
- $50,000 to cover treatment for injuries or deaths if two or more persons are involved
- $25,000 to pay for property damage
You can always choose to increase the amount of liability coverage on your policy. Many drivers do this to avoid being underinsured if they ever cause an accident that exceeds these thresholds.
What Is the Penalty for Driving Without Insurance in Georgia?
The first time you’re caught driving without proof of valid insurance in Georgia, you’ll typically face a misdemeanor charge and fines of up to $1,000 and license and registration suspension if you fail to provide proof of valid coverage within a 30-day period. Repeat offenders face stricter penalties and must carry SR-22 insurance.
Even if you have valid insurance, if you’re stopped, and it has lapsed — even if it’s just for one day — you’ll face an $85 fee, which includes $60 for reinstatement. That amount spikes to a $160 reinstatement for more than two offenses during a five-year period.
What Factors Does Georgia Law Allow in Determining Your Premiums?
State law allows insurers to calculate premiums based on several factors. Some of the most important ones are:
- Age
- Gender
- Location
- Credit history
- Marital status
- Vehicle type
- Driving record and experience
What’s the Best Car Insurance for Teenagers and Their Family in Georgia?
A multi-car policy is usually a good choice for a Georgia family with teens learning to drive. It typically costs more to insure teens due to their inexperience on the road. If your insurer considers you, your spouse, or any other adults on your policy good drivers, this can help lower the overall cost you pay on your premium once you add your teen to it.
At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs.
What Is Driving Like in Georgia?
Georgia’s geography changes as you drive through this state, from flat, coastal plains near its southern border and along the Atlantic to more rocky terrain as you head toward the northern sections of the state.
If rains are heavy along the coast or a tropical storm or hurricane barrels through, roads may flood, creating many driving hazards. Falling rocks could pose a danger toward the north, particularly along the Blue Ridge mountains if these areas experience a lot of rain or snow.
How Many Car Accidents Happen in Georgia?
In 2021, 1,670 fatal crashes in Georgia resulted in 1,797 deaths. The following chart shows the number of fatal crashes that took place in various cities across the state that year.
| City | Fatal Crashes in 2021 |
|---|---|
| Atlanta | 98 |
| Savannah | 17 |
| Albany | 15 |
| Columbus | 26 |
| Macon | 46 |
| Valdosta | 14 |
| Brunswick | 5 |
| Tifton | 3 |
| Alpharetta | 3 |
| Athens | 22 |
| Augusta | 32 |
| Rome | 8 |
| Marietta | 12 |
Source: U.S. Department of Transportation National Highway Traffic Safety Administration.
How Many Uninsured/Underinsured Motorists Are in Georgia?
More than 12% of Georgia drivers are uninsured or underinsured, driving without proper coverage. In 2019, Georgia ranked among the top 25 states with this ongoing problem, coming in at no. 23.
Get the Best Car Insurance in Georgia Today
InsureOne offers a one-stop auto insurance shopping experience with expert agents who will listen to your needs and help you find top-quality insurance options that work best for you.
We will save you time and money by researching quotes and presenting you with several options that meet your needs. Get a quote online, visit us at an office near you, or call us at (800) 836-2240 for a quote.