Georgia Car Insurance – How Much is Car Insurance in Georgia?

Our steer to buy cable car indemnity for Georgia drivers is based on rate data research and adept advice from our veteran staff of policy analysts and editors. You ’ ll learn how much coverage to buy, how much it will cost, and learn how car insurance in Georgia works to protect you and your family. Michelle is a writer, editor program and expert on car indemnity and personal finance. Prior to joining CarInsurance.com, she reported and edited articles on engineering, life style, education and politics for magazines, websites and major newspapers, including the New York Daily News. Ashlee is a active commercial enterprise writer with a special focus on finance. With an MBA and more than twelve years in the finance diligence, Ashlee brings a practical and relatable position to the area of business writing. She is passionate about personal finance and empowering others with the cognition to succeed. When she isn ’ thyroxine publish, Ashlee manages a team of issue chain professionals at a university and enjoys spending free time with her collaborator and pawl on their grow in Kentucky.

In our inquiry, we found that the average car insurance rate is $ 155 per calendar month for a wide coverage policy. Our usher to bribe car insurance for Texas drivers is based on rate data research and expert advice from our veteran staff of policy analysts and editors. You ’ ll learn how to find the bum car policy in GA without sacrificing coverage. We explain how much coverage to buy, how much it will cost and how car insurance in Georgia works to protect you and your class. 30 Seconds summary

  • The average car insurance cost in Georgia is $155 per month or $1,865 a year for a full coverage policy.
  • Geico & Owners have the cheapest auto insurance in Georgia for state minimum policy.
  • In Georgia, the average cost per year for collision is $543 and Comprehensive costs $158.
  • State Farm Group & Berkshire Hathaway Insurance Group are the largest auto insurance companies in Georgia

How much is auto insurance in Georgia?

here are average car policy rates in Georgia for three common coverage levels :

  • The average car insurance rate in Georgia is $1,865 a year ($155 a month) for full coverage for a driver age 30, according to an analysis of rates across the state. That’s $107 more annually than the national average ($1,758). Georgia ranks as the fifteenth most expensive state for car insurance.
  • For standard protection of liability limits of 50/100/50 the average auto insurance cost in Georgia is $754 ($63 monthly).
  • The average car insurance rate for state minimum coverage is $684, just under $60 a month.

To get an estimate of car policy rates for your sphere, enter a ZIP code and age, then choose a coverage level to see the average premium for that location. You will besides see the highest and lowest rates from the six major carriers surveyed. This direction you can tell if your quotes are besides high and if you should keep patronize for a lower rate .zip_tool_img

georgia Car Insurance Rates by ZIP Code

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Coverage Types

State Minimum Liability Liability Only – $ 50K/ $ 100K/ $ 50K Full Coverage – $ 100K/ $ 300K/ $ 100K *Please enroll valid slide fastener

State Minimum:

Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.

Liability Only 50/100/50:

$50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.

Full Coverage 100/300/100:

$100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.

30310, 

Atlanta, 

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30 

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( type :

Liability – Minimum

) average monthly bounty $ 88

$132

/mo Highest rate

$52

/mo Lowest rate Compare personalized quotes from up to 20 companies in

Georgia

now How we researched it ? CarInsurance.com commissioned Quadrant Information Services to provide a report of median car insurance rates for a 2017 Honda Accord for about every energy code in the United States. We calculated rates using data for up to six big carriers. Averages for the default resultant role are based monthly insurance for a male driver, old age 30, for submit minimum required indebtedness coverage. Averages for customize rates are based on drivers ’ ages and sex for the follow coverage levels : submit minimum liability, indebtedness of 50/100/50 and 100/300/100 with $ 500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good recognition. average rates are for relative purposes. Your own rate will depend on your personal factors and vehicle. How do I use the calculator to get average car policy rates ? Enter a ZIP code in the tool below to see the average premium for the location. You will besides see the highest and lowest rates from the six major carriers surveyed. You can get a more customize rate by choosing from among six age groups and three coverage levels. This means you can tell if your quotes are besides high and if you should keep shop for a lower pace .

Who has the cheapest car insurance in Georgia?

Geico, Owners and State Farm have the brassy car policy rates for Georgia drivers, among those surveyed by CarInsurance.com, for three coarse coverage levels. The price you pay for cable car indemnity is based on the asperity and frequency of claims in your neighborhood, your drive phonograph record, the type of cable car you drive, your credit, how much coverage you buy and other factors. Each insurance company uses its own formula to calculate your rate after reviewing this information about you. That ’ mho why the monetary value for the like coverage can vary by hundreds of dollars among insurance companies — and why you should compare rates. You ’ ll experience in the table below that the remainder between the cheapest car indemnity company and the most expensive ranges from about $ 602 to $ 1,400, which is how much you can potentially save by comparison denounce .

Company State minimum average annual rate 50/100/50 average annual rate 100/300/100 average annual rate
Owners Ins Co $404 $457 $1,435
Geico Gen Ins Co $418 $483 $1,394
State Farm Mut Auto Ins Co $596 $673 $1,698
Progressive Mountain Ins Co $708 $807 $2,142
Allstate Prop & Cas Ins Co $950 $1,059 $2,850
Nationwide Gen Ins Co $1,020 $1,043 $1,719

Geico is the cheapest car indemnity company for fully coverage policies in Georgia, among those surveyed. hera ’ s how much less Geico ’ second average rate is compared to others :

  • $41 less than Owners
  • $304 less than State Farm
  • $325 less than Nationwide
  • $748 less than Progressive
  • $1,501 less than Allstate
Company Full Coverage 100/300/100 Comprehensive/Collision Average Rate
Geico $1,394
Owners $1,435
State Farm $1,698
Nationwide $1,719
Progressive $2,142
Allstate $2,850

Owners is the cheapest car insurance company for indebtedness insurance policies in Georgia, among those surveyed, though Geico was a close up second. here ’ s how much less Owners ’ median rate is compared to others :

  • $14 less than Geico
  • $192 less than State Farm
  • $304 less than Progressive
  • $546 less than Allstate
  • $616 less than Nationwide
Company State Minimum Average Annual Rate
Owners $404
Geico $418
State Farm $596
Progressive $708
Allstate $950
Nationwide $1,020

Cheap auto insurance in Georgia: Why it’s not always best choice

Georgia car indemnity laws mandate that drivers carry minimum liability coverage limits of 25/50/25 on their vehicle. Buying the express required limits is decidedly the cheapest room to go. But if you opt for the cheapest car indemnity in Georgia, you are only covered for damage you do to early drivers ’ cars and for others ’ injuries. That means your insurance company won ’ metric ton give for damage to your car or for your injuries if you cause an accident. still, buying good the minimum coverage required is a adept theme if you have an previous car or don ’ deoxythymidine monophosphate drive much. It does cost more to buy more protective covering, but as you ’ ll see in the chart below, extra coverage is typically low-cost. Boosting your protection from the state minimal required to drive to full coverage costs about $ 98 more a calendar month. For higher indebtedness limits, the extra monetary value is only about $ 6 monthly. That ’ s not a fortune to have peace of mind if you get into an accident. even minor accidents can exceed the measure of coverage you get from a policy that just meets the state required needed to drive legally. That means you are left to pay the deviation, which can be thousands of dollars .

Coverage Limits Annual Rate Extra Cost Yearly Monthly
Liability only – State minimum $684      
Liability only – 50/100/50 $754 State minimum to 50/100/50 $70 $6
Full coverage – 100/300/100 comprehensive/collision $1,865 State minimum to full coverage 100/300/100 $1,180 $98

Best car insurance in Georgia: Company customer satisfaction rankings

Scores are based on Insure.com ’ s “ Best indemnity Companies ” view of 3,700 policyholders. Companies were ranked on claims handling, customer service, rate, fluid apps/website utility and likelihood they ’ vitamin d be recommended or renewed for coverage. All scores are out of 100 .

Rank Company Score
1 The Auto Club Group (ACG) – AAA 91.89
2 Auto Club of Southern California (Auto Club Enterprise Insurance Group) 90.77
3 CSAA Insurance Group 89.67
4 USAA 88.54
5 Mercury 87.97
6 Erie 87.76
7 Metlife 86.71
8 Nationwide 86.34
9 Progressive 86.02
10 Safeco 85.70
11 American Family 85.47
12 Hartford 85.44
13 Allstate 85.32
14 The General 84.48
15 State Farm 83.60
16 Geico 83.22
17 Liberty Mutual 80.98
18 Farmers 80.24
19 Esurance 79.19
20 Travelers 76.07

Tips for getting auto insurance quotes in Georgia

You should constantly be certain to compare quotes for identical amounts of coverage, from at least three insurance companies. An easily and effective way to do this is to compare cable car insurance on-line. You can besides get recommendations for coverage and be matched to companies in your area by using our car indemnity calculator cock. Another point : do a car insurance comparison upon refilling, or at these times when your rates are most probable to be affected, when you :

  • Move
  • Buy a home
  • Add drivers
  • Have a change in your credit
  • Get married
  • Buy a car
  • Have multiple accidents or citations within 12 months

More advice for finding low-cost coverage while comparing quotes :

  • Maximize discounts, for instance bundling your home and auto with the same company can trim an average of 10% to 12% from your auto rates.
  • Drop comprehensive and collision for cars that are worth less than $3,000
  • Hike your deductible amount, for instance, from $500 to $1,000

Largest auto insurance companies in Georgia

Rank Company Premiums Written Market Share
1 State Farm Group 1,937,806 22.49%
2 Berkshire Hathaway Insurance Group 1,051,005 12.20%
3 Progressive Insurance Group 1,001,828 11.63%
4 Allstate Insurance Group 820,479 9.52%
5 USAA Group 706,276 8.20%
6 Liberty Mutual Insurance Companies 335,540 3.89%
7 Nationwide Group 267,971 3.11%
8 Travelers Group 266,864 3.10%
9 American Family Insurance Group 159,806 1.86%
10 Farmers Insurance Group 147,875 1.72%

beginning : A.M. Best ; State/Line ( P/C Lines ) – P/C, US ; Data as of : November 28, 2018

Georgia auto insurance rates by driver profile

Low cost auto insurance for Georgia drivers with recent accidents

Filing an accident claim means you are likely to pay more for your car policy coverage. however, how much more you pay depends on several factors, and your cable car insurance ship’s company plays is one of those significant factors. Each company assesses risk differently, so that ‘s why the increase after an accident will vary among insurers. hera is how major carriers compare after at-fault accidents for the average Georgia driver with a fully coverage policy :

Company 1 At-fault property damage accident over $2K 2 At-fault property damage accident over $2k At-fault bodily injury accident
Allstate F&C $3,126 $4,918 $3,126
GEICO General $1,993 $2,564 $1,993
Nationwide Mutual $3,421 $4,650 $3,421
Progressive Mountain $2,417 $7,517 $2,417
Progressive Premier $1,777 $7,263 $1,777
State Farm Mutual Auto $2,581 $3,267 $2,581

If you get a travel rapidly tag, chances are you ‘ll see an increase in what you pay for car policy, upon your policy reclamation. typically, you ‘ll pay more for three years. But flush with a traffic ticket, comparison shop can save you money. For exemplify, you ‘ll see that the deviation between the highest rate and the lowest in the postpone below is $ 861, on average, according to CarInsurance.com ‘s rate analysis. That ‘s how a lot you can save by comparing car insurance companies .

Company Average Rate
Progressive Premier $1,975
State Farm Mutual Auto $2,010
Progressive Mountain $2,266
Allstate F&C $2,304
GEICO General $2,416
Nationwide Mutual $2,836

No matter where you live, adding a new driver to your family policy will hike your rate significantly. In Georgia, you can expect your rate to go up by an average of 194 percentage when adding a driver old age 16 to your coverage, according to CarInsurance.com rate data. You ‘ll see in the table below how a lot it costs, on average, to add a adolescent driver in Georgia, and how major insurers compare on price. Geico had the lowest car insurance monetary value for adding a driver age 16 to a entire coverage family policy, among insurers surveyed .

Company Average Rate Average Rate after adding female teen $ Increase (female) Average Rate after adding male teen $ Increase (male)
Allstate F&C $2,197 $6,418 $4,220 $8,159 $5,962
GEICO General $1,184 $2,321 $1,137 $2,939 $1,755
Nationwide Mutual $2,390 $4,632 $2,241 $5,567 $3,177
Progressive Mountain $1,648 $4,329 $2,681 $4,809 $3,162
Progressive Premier $1,461 $4,282 $2,822 $4,735 $3,274
State Farm Mutual Auto $2,010 $4,249 $2,239 $5,846 $3,837

Enter an age from 18 to 25 to see who has the best rates for young drivers in Georgia, by ship’s company. You ’ ll see in the graph below which car policy companies have the lowest rates for unseasoned drivers buying a full coverage policy. average car indemnity rates by age data shows that drivers typically pay higher rates until long time 26, when rates begin to drop as drivers gain more know on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for scholar discounts and by staying on their parents ’ policy deoxyadenosine monophosphate long as possible.

Below you can see how average rates compare by company, for drivers in Georgia senesce 65 and over, buying a full coverage policy.

car insurance for drivers with bad credit costs significantly more than it does for those with good credit. Georgia is in the center of pack among the worst states for drivers with bad credit, as CarInsurance.com ‘s data analysis shows it has the thirty-first highest share increase for bad credit rating drivers. Compared to dear recognition drivers, those in Georgia with bad recognition pay 67 percentage more, on average. The good news is that you can still shave some money off your coverage costs if you compare car policy companies. You ‘ll see below that the deviation among major insurers is $ 2,182 for a full moon coverage policy for a driver with regretful credit. That ‘s how much you can potentially save by comparing car policy quotes .

Company Poor credit
GEICO General $1,806
Progressive Premier $2,737
Progressive Mountain $2,878
Nationwide Mutual $3,227
Allstate F&C $3,602
State Farm Mutual Auto $3,988

Georgia auto insurance requirements and laws

The following limits are required to drive in Georgia :

  • Minimum bodily injury liability $25,000/$50,000
  • Minimum property damage liability $25,000

Deciding how much cable car indemnity to buy depends on a few factors. To drive legally, you must buy at least the minimum liability policy required by your state. If your car international relations and security network ’ thyroxine financed or leased and you don ’ t have a batch of money or assets to protect, that might be a wise choice. If, however, you don ’ t own your car outright, you will be required to get extra comprehensive and collision coverage. additionally, if you want to shield your home and savings from lawsuits, it ’ mho prudent to buy more coverage. If you want more protection, it will cost more, but as you ’ ll visualize in the graph above, it ‘s not that much more. Use our How much car indemnity Do You Need ? creature to get a recommendation .

Liability

We recommend you buy more policy than is required to legally drive a car in your state, particularly if you have savings and assets. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you ‘re leasing or financing your cable car, you must get coverage of 100/300/100 or higher .

Collision and comprehensive

collision and comprehensive examination are optional. In Georgia, the average cost per year for collision is $ 543, based on CarInsurance.com rate data. comprehensive costs $ 158. collision coverage pays for damage to your car after an accident that you cause. comprehensive examination insurance pays to replace steal cars and for damages from vandalism, flood, hail, ardor and animal strikes. If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.

If you buy comp and collision, check our guide to choosing a deductible amount .

Uninsured/underinsured motorist

Uninsured motorist coverage and underinsured motorist coverage pays for damages if you ’ rhenium hit by a driver with no insurance or a driver with coverage that ’ mho insufficient to pay for your repairs and checkup expenses. These are besides optional .

Medical coverage (MedPay)

aesculapian payments coverage can help pay for the aesculapian or funeral expenses of cover drivers and passengers after an accident, careless of fault, up to $ 25,000. In most states, including Georgia, it ‘s an optional addition to your car indemnity policy. MedPay does the adopt :

  • Covers you and your passengers’ medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

Gap insurance

If you don ’ t own your car outright and have an accident, break indemnity pays the difference between the cash value of your car and the current outstanding libra on your loanword or lease .

  • If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
  • If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
  • If you own your car outright, you don’t need gap insurance.

Georgia car insurance laws and resources

Georgia roads with the most fatal accidents

here are the highways and roads where the most fatal accidents happened in 2017, according to the most holocene data available from the Fatality Analysis Reporting System research compiled by the National Highway Traffic Safety Administration :

Roads Number of Fatal Accidents
I-75 50
I-85 28
I-20 26
I-285 20
SR-53 11
SR-42 11
SR-20 11
SR-11 11
US-27 SR-1 10
SR-3 10

Uninsured/underinsured motorist:

country law requires that you be offered uninsured/underinsured motorist bodily injury and uninsured motorist property price but allows you to reject them in publish .

Discounts for a clean record:

A clean drive record pays off here. Georgia state police requires a 10 percentage discount to drivers senesce 25 or older who have a clean drive record for three years prior and no at-fault accidents and complete an approve defensive driver course. Drivers under 25 can get a 10 percentage dismiss for three years if they complete classroom and virtual train .

Non-renew for accidents:

Georgia car policy companies are permitted to non-renew a policy if an insure driver has more than one at-fault accident in the past three years or claims payments that total $ 750 or more .

Uninsured motorist penalties for Georgia:

You may be fined $ 200 to $ 1,000, be sentenced to one year in jail, have your license and registration suspended and be required to file an SR-22 form .

SR-22A:

The SR-22A, a text file showing proofread of fiscal province, is exchangeable to an SR-22 but only used in Georgia, Texas and Missouri. In Georgia it is normally used by duplicate violators of fiscal duty laws .

No grace period:

Georgia does not have a grace period for car insurance. This means you must have policy on the vehicle you buy, either from a franchise or private individual, before you drive aside with it .

Electronic proof of insurance:

Georgia allows drivers to show proofread of insurance on a smartphone during a traffic arrest .

Expired license:

Driving with an exhale license in Georgia is a misdemeanor and fines range widely from under $ 100 up to $ 1000 .

Driver’s license points:

Georgia driver ‘s license points system has a couple of unusual details :

  • No points are assessed for speeding convictions of less than 15 mph over the posted speed limit.
  • The state’s relatively new Super Speeder law levies an additional $200 fine for anyone convicted of speeds of 85 mph or more (75 mph on a two-lane road).

Points for tied minor violations stay on your drive record for 24 months in Georgia .

Average annual car insurance rates for major cities in Georgia

Below you ‘ll see how average annual rates for several of the largest cities in the state compare to department of state and national averages. Rates are for coverage of $ 100,000 per person/ $ 300,000 per accident in indebtedness and $ 50,000 of property damage coverage, with comprehensive and collision carrying a $ 500 deductible. Show Tabular Data

City Average Premium
Albany $1,712
Athens $1,763
Atlanta $2,328
Augusta $1,766
Columbus $1,880
Macon $2,027
Marietta $2,131
Savannah $2,024
Georgia $1,865
National $1,759

Guide to car insurance (with rates) in cities of Georgia

Atlanta $ 2,328/yearSavannah $ 2,032/yearAthens $ 1,398/year

Marietta $ 1,816/year

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