Car Insurance Quotes Georgia

Car Insurance Quotes Georgia

Driving in Georgia comes with its share of risks, from busy city streets to open highways. Having the right car insurance ensures you’re protected financially in case of an accident, theft, or unexpected damage. Georgia law requires all drivers to carry minimum liability coverage, but many drivers choose additional protection for greater peace of mind.

Car insurance rates in Georgia can vary widely based on factors like your driving history, location, and the type of vehicle you own. Since rates tend to be higher than the national average, comparing quotes from different providers is a smart way to find the best deal. Beyond price, it’s important to consider coverage options that fit your needs, including comprehensive and collision insurance, uninsured motorist protection, and roadside assistance.

Many insurance companies offer discounts for safe drivers, bundling policies, and even for cars with advanced safety features. Taking the time to explore these options can help lower your premium while ensuring you still have solid coverage. Getting the right car insurance doesn’t have to be complicated. By comparing quotes, understanding coverage options, and taking advantage of discounts, you can find a policy that fits your budget and keeps you protected on Georgia’s roads.

Is Car Insurance Required in Georgia?

Yes, car insurance is required in Georgia. It is illegal to drive without insurance. Drivers must have the following types of coverage: bodily injury to others, property damage liability, and uninsured motorist coverage. Here are the minimum coverage amounts required for car insurance in Georgia:

Bodily Injury to Others: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident

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Types of Car Insurance Coverage In Georgia

While Georgia requires basic coverage, there are other types to consider:

Collision Coverage: Pays for repairs to your car after an accident, no matter who caused it.
Comprehensive Coverage: Covers damages to your car that happen outside of accidents, like theft, vandalism, or natural disasters.
Personal Injury Protection (PIP): Pays for medical costs for you and your passengers after an accident.
Gap Insurance: If your car is totalled, it covers the difference between what you owe and your car’s value.
Roadside Assistance: Helps you when your car breaks down and you need help.

What Are Georgia’s Minimum Auto Insurance Requirements?

In Georgia, drivers must have auto liability coverage with the following minimum limits:

Bodily Injury Liability: This covers injuries you cause to others in an accident. The minimum required is:

$25,000 per person
$50,000 per accident

Property Damage Liability: This covers damage you cause to someone else’s property in an accident. The minimum required is:

$25,000 per accident

Georgia also requires insurance companies to offer Uninsured/Underinsured Motorist (UM/UIM) Coverage with the following minimum limits. However, you can choose to reject or reduce this coverage by signing a form if you don’t want it:

UM/UIM Bodily Injury: This covers your medical expenses if an uninsured or underinsured driver causes an accident. The minimum required is:

$25,000 per person
$50,000 per accident

UM/UIM Property Damage: This covers damage to your property caused by an uninsured or underinsured driver. The minimum required is:

$25,000, with a deductible

While these are the minimum required car insurance limits in Georgia, opting for higher coverage can better protect your financial well-being. It is important to assess how much coverage you may need based on your situation.

The Average Cost of Car Insurance in Georgia?

In 2024, the average cost of car insurance in Georgia was $2,572, according to The Zebra. This is 18% higher than the national average. Your car insurance cost will depend on factors such as your age, where you live, and your driving history. Some drivers choose the minimum required coverage, while others opt for more extensive protection.

Important Facts About Georgia Auto Insurance and Driving Laws

In Georgia, there is a law known as the Move-Over Law. It requires drivers to move over one lane if an emergency vehicle with flashing lights is parked on the shoulder of the highway. If you can’t safely move over because of heavy traffic, the law says you should slow down below the posted speed limit and be ready to stop. Violating this law is considered a moving violation, which can lead to points on your driving record and a fine of up to $500.

Georgia has two key state agencies that deal with motor vehicles. The Department of Driver Services is responsible for driver’s licenses and permits. The Motor Vehicle Division, part of the Georgia Department of Revenue, handles vehicle registrations, license plates, and titles. To register a vehicle in Georgia, car owners must provide proof of insurance.

Texting while driving is illegal in Georgia, except in emergencies or when the driver is fully parked. If caught texting while driving, you could face a $150 fine. Additionally, drivers under 18 are not allowed to use any wireless device while driving, including cell phones, computers, or texting devices.

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How to Get Car Insurance Quotes in Georgia

To get the best car insurance quote in Georgia, follow these steps:

Gather Your Info: Insurers will need details like your driver’s license, car info, driving history, and how much you drive.
Compare Quotes: Get quotes from different insurance providers online, by phone, or through an agent.
Think About Coverage Needs: Decide how much coverage you need based on your car’s value, how often you drive, and if you’re okay with a higher deductible to lower your premium.
Look for Discounts: Many companies offer discounts for good drivers, bundling policies, or having safety features in your car.
Read the Fine Print: Make sure you understand the policy details, including exclusions or limits.

Factors That Affect Car Insurance Quotes in Georgia

Several factors can affect your car insurance cost in Georgia:

Driving History: A clean driving record usually means a lower rate. Speeding tickets, accidents, or DUIs can increase your premium.
Car Type and Age: New or luxury cars often cost more to insure than older or basic models.
Location: Living in busy cities like Atlanta can lead to higher insurance costs due to more accidents and thefts.
Credit Score: A higher credit score may help lower your rate.
Age and Gender: Younger drivers, especially males, often face higher rates because they are more likely to be in accidents.

Tips for Saving on Car Insurance in Georgia

Here are a few ways to save on car insurance in Georgia:

Bundle Policies: If you have other insurance (like homeowners or renters), bundle it with your car insurance for a discount.
Increase Your Deductible: Raising your deductible can lower your premium, but be sure you can afford the out-of-pocket cost if you need to file a claim.
Drive Less: Driving fewer miles may lower your rate. Many insurers offer discounts for low-mileage drivers.
Keep a Clean Driving Record: The longer you drive without accidents or violations, the better your rate may be.
Ask About Discounts: Inquire about discounts for good students, safe drivers, or cars with safety features.

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