Georgia Auto Insurance

Auto insurance in Georgia

Are you looking for auto insurance? Do you want a policy that fits both your needs and budget? If your answer to either of these two questions is yes, then you should keep on reading this article. In the paragraphs below, you will find out everything there is to know on the topic of auto insurance in Georgia. Car insurance is mandatory by law, and it offers the necessary protection in case of accidents. Without a valid policy, vehicle owners are liable for fines of up to $1,000 and they might even have their driving documents suspended. This can refer to either the driver's license or the vehicle registration, for a period of up to six months.

What type of car insurance do you legally need in Georgia?

The Mandatory Liability Insurance Act requires that all Georgia residents who operate a moving vehicle have a liability insurance policy. Should the driver continue to operate the vehicle without a valid insurance policy, the above-mentioned consequences will be enforced. Each state also has an online insurance verification system, which can be used to determine whether a vehicle is insured or not.

Residents who operate vehicles in the state of Georgia must have a car insurance policy that meets specific requirements. These include: bodily injury liability ($50,000 per accident and $25,000 per person), property damage liability ($25,000 per accident), uninsured motorist property damage ($25,000 with deductible), and uninsured motorist bodily injury ($50,000 per accident and $25,000 per person). The minimum liability coverage is mandatory by law, but the full coverage insurance offers superior protection. You can opt for additional coverage, such as comprehensive and collision insurance. It is always recommended to choose the highest possible coverage limit, especially in contrast to the minimum one required by the law in Georgia. This offers the best possible protection.

The sums you see mentioned above refer to the maximum amount insurance providers pay, should you be involved in an at-fault accident. According to current laws, vehicle owners must carry a copy of their insurance policy while driving. It is illegal to drive without a valid insurance policy in Georgia. Consequences include, as seen, not only legal fines, but also the suspension of the driver's license or vehicle registration. Should one continue to drive without adequate insurance, jail time might be enforced.

Average cost of auto insurance in Georgia

How much does car insurance cost in GA? The state minimum auto insurance policy in Georgia has a value of $582. However, a full coverage insurance policy has an average value of $1,982. Collision and comprehensive might not be included in the full coverage, so you should calculate your budget accordingly. Among the factors influencing the overall insurance rates, there are: marital status, age, gender, location, driving record, number of miles driven, vehicle, presence of prior insurance. The best thing you can do is choose an insurance policy with a wide coverage, as opposed to the cheapest one.

The average cost of auto insurance naturally varies from one state to the other. You can expect variations for both the minimum coverage and the full one, including when it comes to options such as comprehensive and collision. Several factors influence these variations, including: weather-related accidents, at-fault accidents, number of drivers vs. the general population, insured drivers in the respective location, road conditions, etc.

Georgia has higher rates for the average auto insurance than the national median, which is around $1,770. The states with the most affordable insurance policies include: Wisconsin, Washington, Tennessee, Oregon, North Dakota, New Mexico, Nebraska, and Maine. Among the states with the more expensive policies, there are: Pennsylvania, New York, Nevada, Michigan, Louisiana, Florida, Colorado, and California. New York has the most expensive insurance rates, with $1,339 for the minimum policy and $2,996 for the full coverage. Maine is the most accessible, with $876 for the full coverage and $227 for the minimum policy.

Within the state of Georgia, you might also find differences between various cities. Augusta has among the most affordable auto insurance, while Atlanta has among the most expensive rates. The overall annual premiums are as follows: August - $1,904; Columbus - $1,995; Macon - $2,063; Savannah - $2,067; Atlanta - $2,322.

Married couples often benefit from the most affordable coverages, as opposed to those who are divorced, single, or widowed. Slight differences exist between genders as well, with men benefitting from more affordable rates than women. The age of the driver represents one of the main factors that influence the value of auto insurance. Young drivers are seen less responsible by insurance companies, so the associated policy usually costs more. A teenage driver can expect an annual premium of over $7,700, while a middle-aged driver is prepared to pay around $2,000 for the same premium.

To calculate the value of a potential coverage policy, insurance companies might also analyze the driver's credit history. A driver with an exceptional credit will save significant sums on his/her annual premium, while someone with a poor credit history will have to pay a higher policy. Prior driving offenses will lead to more expensive rates, including DUI/DWI, speeding, reckless driving, and at-fault accidents. The type of coverage influences the final value of the policy. Both comprehensive and collision can be added to the state minimum policy, in order to increase the level of protection one benefits from.

Did not find your city or county on the list? Please use our auto insurance companies search box at the top to locate all the best auto insurance quotes in Georgia. Find car insurance in Georgia by city, zip code or county name.

Finding the right auto insurance in GA

Our expert assistance will help you release the stress associated with finding the right auto insurance policy. We have both the necessary experience and knowledge to provide assistance, matching you with the best policy for your needs. In suggesting a particular insurance policy, we will also consider your available budget. All you have to do is give us a call and we will offer all the support you might require. It is worth mentioning that this service is 100% free.