Finding Cheap Car Insurance in Georgia
Shopping around to find cheap car insurance in Georgia shouldn’t be a hassle. We evaluated options in Georgia to find the lowest rates.
Featured Car Insurance Partners
1
Geico
Good
C-
Low
2
USAA
Excellent
C+
OK
3
State Farm
Very good
C
Low
Cheap Georgia car insurance for good drivers
Auto-Owners and Nationwide are the cheapest Georgia car insurance companies for good drivers, among the companies we analyzed.
Cheap car Insurance in Georgia for drivers with a speeding ticket
A speeding ticket increases car insurance rates by 22% in Georgia. The exact rate increase will vary by insurance company. Even though you’ll get hit with higher insurance rates, you can still compare quotes for the best car insurance.
Nationwide and Auto-Owners have the cheapest average costs for drivers with a speeding ticket in Georgia, so make sure to get quotes from those companies if you’re shopping for Georgia auto insurance and have a speeding ticket on your record.
Cheap Georgia car insurance for drivers who caused an accident with injury
Causing a car crash with an injury to someone else will make it difficult to find cheap car insurance. Our analysis found an average increase of 53% in Georgia compared to drivers with a good driving record.
If you cause a car crash with an injury, Auto-Owners and Georgia Farm Bureau may have the most competitive costs among the insurance companies in our analysis.
Cheap Georgia car insurance for drivers with a DUI
Car insurance rates in Georgia go up an average of 93% if you have a DUI conviction on your record. You can still compare car insurance quotes to pinpoint better rates.
The cheapest Georgia car insurance companies for drivers with a DUI are ACCC Insurance and Country, among the insurers we analyzed.
Cheap Georgia car insurance for drivers with poor credit
Georgia car insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 68% more for car insurance in Georgia.
ACCC Insurance and Country may be good options if you’re looking for cheap Georgia auto insurance and you have poor credit.
Cheap Georgia car insurance for adding a teen driver
Adding a teen to your auto insurance increases rates by an average of 82% in Georgia, compared to rates for a married couple without a teen driver.
Take a look at quotes from Georgia Farm Bureau and Allied if you’re looking for cheap car insurance for teens in Georgia.
Cheap Georgia car insurance for young drivers ages 18 to 25
Purchasing your own car insurance is a costly entry into adulthood. Our analysis found that USAA and Nationwide offer the cheapest Georgia car insurance for young drivers.
Cheap Georgia Car Insurance for Senior Drivers Ages 60-80
Nationwide and Geico offer the best car insurance for seniors who are looking for cheap rates in Georgia. Older drivers should also find out if there’s a discount for taking a defensive driver class.
Required Car Insurance Discounts in Georgia
Georgia car insurance companies must offer at least these three types of car insurance discounts.
Theft prevention discount
Insurers should give a car insurance discount for anti-theft devices in vehicles. Discounts range from 5% to 20% and vary based on the number of devices in a vehicle. Drivers may get a minimum 25% discount for more elaborate anti-theft devices, including a passive alarm system, passive fuel cut-off device and vehicle recovery system.
Good driver discount
Georgia car insurance companies must give a good driver/defensive driving discount. Drivers eligible for this 10% discount must be at least age 25, have no traffic offenses for three years, have no at-fault claims, or complete approved courses for defensive driving, driver improvement or emergency vehicle operations.
Drivers under age 25 must finish at least 30 hours of classroom training and at least six hours of practical training to get the 10% discount.
The discount lasts for three years if you don’t have any at-fault accidents or traffic offenses.
Good student discount
Georgia requires that auto insurers offer a good student discount to unmarried full-time students who are under age 25 with a B or 3.0 grade point average. You must show proof of eligibility annually.
Least Expensive Vehicles for Insurance in Georgia
In Georgia, the Honda CR-V LX, Subaru Forester 2.5i and Jeep Wrangler JL Sport are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.
The most expensive cars for insurance in Georgia among popular models are the Lexus ES 300H ($2,443 a year) and the Tesla Model S Performance/Plaid ($4,244 a year).
Required Minimum Georgia Car Insurance
Liability insurance is the only required coverage in Georgia. It pays for property damage and injuries you cause to others. And if another driver hits your car, you can make a claim against their liability car insurance or sue them for your own damage and injuries. You can also sue them for pain and suffering.
Car owners in Georgia must have liability coverage with at least:
- $25,000 for bodily injury to one person.
- $50,000 for bodily injury to multiple people in one accident.
- $25,000 for damage to property in one accident.
If you cause an accident and your liability insurance doesn’t cover everyone’s bills, you can still be sued for the rest. That’s the financial danger of low liability limits. If you have assets such as savings that you could lose in a lawsuit, it makes sense to buy higher liability coverage limits.
What Other Insurance Should I Have in Georgia?
Personal injury protection (PIP). PIP insurance is valuable because it pays the medical bills of you and your passengers, no matter who caused the accident. It covers lost wages if you can’t work. It can also cover services you have to hire, such as child care, for tasks you can’t perform.
PIP can also pay for funeral expenses.
If you’re injured in a car accident, you can make these types of claims on your own PIP insurance.
When thinking about whether to buy PIP in Georgia, keep in mind that Georgia law is very specific about finding “fault.” If you’re more than 50% at fault for an accident, you can’t sue the other driver for anything. If you were less than 50% at fault but still have some blame, your compensation will be determined by your percentage of fault.
If you have PIP insurance, none of that matters. You can make a PIP claim whether you were fully at fault, just a little at fault or not at fault.
Medical payments (MedPay) coverage. MedPay is similar to PIP insurance but it covers only medical bills or funeral expenses. MedPay does not cover lost wages or essential services as PIP does. Still, it’s useful for paying the medical bills of you and your passengers no matter who was at fault in an accident. In Georgia, MedPay can cover bills you incur for three years after the accident.
MedPay coverage amounts of $1,000, $2,000, $5,000, $10,000, $25,000, and $50,000 are typically available.
Collision and comprehensive coverage. The required coverage in Georgia doesn’t provide any coverage for damage to your vehicle in many situations.
What if a flood sweeps your car away? What if you back into a pole at Publix? Without collision and comprehensive coverage, you could get stuck holding a big car repair bill–or buying a new car. Together they cover damage caused by floods, hail, fire, falling objects, vandalism, riots and crashes with animals.
Comprehensive insurance also pays you if your vehicle is stolen and not found.
Collision and comprehensive coverage are typically required if you have a car loan or lease.
Uninsured motorist coverage. You can’t trust that other drivers on the road have insurance. If an uninsured driver crashes into you, you’ll be glad to have uninsured motorist coverage. UM coverage in Georgia can pay for both your car damage and injuries if an uninsured driver hits you.
Georgia doesn’t require uninsured motorist coverage, but unless you reject it in writing it will be included in your policy. You might not realize you have it unless you’ve read your policy thoroughly.
A related coverage is underinsured motorist (UIM) coverage. If a driver has some insurance but not enough and hits you, your UIM coverage can pay out after the other driver’s insurance has run out.
Summary: Required Georgia Car Insurance
Can I Show My Insurance ID Card from My Phone in Georgia?
Georgia lets you use your phone to show an auto insurance ID card. If you’re pulled over, you don’t have to hope your ID card is somewhere in your glove compartment. Many auto insurers have mobile apps that include access to your insurance ID.
Factors Allowed in Georgia Car Insurance Rates
In addition to your driving record, past claims and vehicle model, car insurance companies in Georgia can use these factors in rates.
How Many Uninsured Drivers are in Georgia?
About 12% of Georgia drivers have no auto insurance, according to the Insurance Research Council. That’s why it’s good to have your own insurance for covering problems they cause, including PIP insurance, collision insurance and/or uninsured motorist coverage.
Penalties for Driving Without Auto Insurance in Georgia
If you’re caught driving without insurance, you can be fined $200 to $1,000 and sit in jail for up to a year.
When Can a Vehicle Be Totaled in Georgia?
If your vehicle is severely damaged, your insurance company might declare it to be a total loss.
In Georgia, a car can be totaled when it is “damaged to the extent that its restoration to an operable condition would require the replacement of two or more major component parts.” This could happen from a crash, flood, fire or other problem. Even a large tree branch falling could total a car.
Solving Insurance Problems in Georgia
The Georgia Office of Insurance is in charge of monitoring insurance companies and taking consumer complaints. If you have an unresolved issue with your insurer, you can start a complaint online.
Methodology
To find the cheapest auto insurance companies in Georgia, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Georgia are based on rates from ACCC Insurance, Allied, Allstate, Auto-Owners, Central Mutual, Country, Esurance, Geico, Georgia Farm Bureau, Mercury, Nationwide, Progressive, Safeway, Southern Insurance Co. of Virginia, State Farm and USAA.
