Compare Rates for Georgia Car Insurance
Georgia Car Insurance Guide
If you feel like it’s tough to find car insurance in Georgia that you can actually afford, you’re not alone. Coverage rates are on the rise, not only in Georgia but in other states as well. How can you beat this trend and how much auto insurance do you really need? We’ll tell you.
If you don’t have time to read all this, you can always skip the explanations and start comparing quotes for cheaper car insurance instantly. We make it easy for Georgia drivers to compare personalized quotes side by side and pick their best option.
What are Georgia’s Auto Insurance Requirements?
Let’s start with the basics. To drive legally in Georgia, the state minimum requirements are as follows:
- Bodily Injury Liability Per Person: $25,000
- Bodily Injury Liability Per Accident: $50,000
- Property Damage Liability: $25,000
You need insurance that includes $25,000 in bodily injury liability per person and $50,000 per accident. Bodily injury liability pays for other people’s medical bills and lost wages when they’re hurt in an accident you’re legally liable for. You also need to carry at least $25,000 in property damage liability, which pays for damage to other people’s cars and property in an accident you’re responsible for.
The shorthand for Georgia’s auto insurance requirements is 25/50/25 — that’s what you’ll see when you’re shopping for insurance.
How Do I Find the Cheapest Auto Insurance in Georgia?
In general, Georgia car insurance is not cheap. While analyzing our 2018 data for the average annual amount spent on auto insurance in Georgia, we have found that they rank as the 8th most expensive state to find a policy in. The average premium comes in at $3,565 including all levels of coverage and single & multi-driver policies.
Here’s the good news: finding an affordable policy isn’t hard. Just compare quotes side by side and pick the lowest coverage! We make it easy, because you only have to enter your basic info once to get quotes from several insurance companies.
Before you get those quotes, we’ll ask you to pick one of four levels of coverage: State Minimum, Basic, Plus or Premium. If your goal is to find the absolute cheapest Georgia car insurance, start with state minimum coverage.
Which Georgia Cities Have the Most Expensive Car Insurance?
People who live in large cities typically pay more for insurance than those in small towns and rural areas. We analyzed thousands of Georgia insurance quotes and found the most (and least) expensive cities to insure your car.
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How Does Age Affect Your Insurance Rates?
If you’re a millennial, you may pay more for GA car insurance.
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Expect to pay even higher rates if you are 18 or 19 and on your own policy. We compared rates by age for single driver state minimum policies and full coverage policies with 25/50/25 liability, 25/50 uninsured motorist coverage, and $1,000 deductibles on comprehensive and collision.
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Who Pays Less for Car Insurance: Men or Women?
We find that men pay slightly more for insurance than women, but not by much. For this study, we analyzed state minimum policies for single driver males and females against full coverage policies. The full coverage limits were set at 100/300/100 for liability, 100/300 uninsured motorist coverage, and a $500 deductible for comprehensive and collision.
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Learn More About Georgia’s Car Insurance Laws
Understanding how auto insurance in Georgia works and the laws behind it will help you become a safer driver and help you to be better insured. We’ll tell you everything you need to know.
Do I Need Uninsured Motorist Coverage in Georgia?
While it’s not technically required, insurance companies are required to offer you uninsured motorist (UM) coverage when you’re buying a policy. That means UM coverage will be part of your insurance policy unless you formally reject it in writing. And that’s not a bad thing! UM coverage protects you if you get injured or your car gets smashed in a collision with an uninsured driver. In Georgia, about 12 percent of drivers have no insurance.
Is Georgia A No-Fault Insurance State?
Nope! Georgia is a traditional tort insurance state. That means that if you’re hurt in an accident, you have the right to sue the other driver for damages related to your injuries, pain & suffering, etc. And if you’re at fault in an accident, you can be sued by other drivers.
Georgia is also a comparative fault state. This means that fault in an accident can be assigned, on a percentage basis, to both drivers. Let’s say you were driving 10 miles over the speed limit on a wet road when you’re hit by a driver who rolled through a stop sign. The other driver may be 70 percent at fault, but your own driving behavior contributed 30 percent to the accident. So if you successfully sue the other driver for $100,000 in damages, you would only receive 70 percent, or $70,000.
Do I Need Medical Payments Coverage in Georgia?
While it’s not mandatory, MedPay coverage is nice to have. It can pay your medical expenses (and your passengers’, too) if you’re hurt in an accident, no matter who’s at fault. It’s especially useful for out-of-pocket costs like co-pays and deductibles. Medical payments coverage is cheap, too; the limits are low, and it adds a negligible amount to your monthly premiums.
What Are the Penalties For Driving Without Insurance in Georgia?
Don’t do it! Letting your insurance lapse for 10 days or more can result in a fine and a suspended registration. You’ll have to pay a $25 lapse fine and a $60 reinstatement fee to drive legally again (for a first offense).
If you get caught actually driving in Georgia without insurance, the penalties are harsher. Your driver’s license will be suspended, you’ll be charged with a misdemeanor, and you may have to pay a fine of $200 to $1000. Up to a year of jail time is possible, as well.
What Are Georgia’s License Requirements?
Just moved to Georgia? You have 30 days to apply for a Georgia driver’s license. If you already have a license from another state, you don’t have to take the written test and driving test again. (Whew.) You do, however, have to provide a bunch of documents: proof of citizenship, such as a passport or birth certificate, or proof of immigration; proof of name change, such as a marriage license, if your name is different from what your birth certificate says; proof of your social security number; and proof of your residential address. Here’s a checklist of all the documents you need for a Georgia driver’s license.
What Are Georgia’s Safe Driving Laws?
In Georgia, anyone in the front seat of a moving passenger vehicle must wear a seat belt. However, the consequences for not wearing a seat belt are pretty minor: a $15 fine. If you’re driving a car in which a child over 8 isn’t buckled in, you can be fined $25. Children under the age of 8 must be restrained in a car seat or booster seat.
Georgia also has pretty strict hands-free, distracted driving laws. While driving, you can’t hold or support a wireless communications device with any part of the body. You can’t record or watch a video. And you can’t write, send or read any messages — although you can use voice-to-text and use your phone for navigation. You’re also allowed to use a smartwatch or an earpiece to talk on the phone. And you can use your phone while parked, but not while stopped at a stoplight.