You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the proofreader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow rigid guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no aim recompense from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a follow-up, you can trust that you ’ re getting credible and dependable data. We rate your trust. Our mission is to provide readers with accurate and indifferent information, and we have column standards in stead to ensure that happens. Our editors and reporters thoroughly fact-check column content to ensure the information you ’ rhenium reading is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive lead recompense from our advertisers. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate subject to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ re putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — sol you can feel confident about which provider is right for you. Bankrate follows a rigorous column policy, so you can trust that we ’ rhenium putting your interests first gear. All of our message is authored by highly qualify professionals and reviewed by subject matter experts, who ensure everything we publish is aim, accurate and worthy of your faith. Founded in 1976, Bankrate has a long path read of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making serve and giving people confidence in which actions to take following. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Drivers looking for car indemnity in Georgia are required by jurisprudence to have at least a minimum total of car indemnity. Based on Bankrate ’ s analysis of car insurance rates, State Farm has the cheapest minimum coverage car insurance in Georgia, with an average of $ 486 per year. however, cheap cable car policy doesn ’ thyroxine hateful you have to sacrifice coverage — it ’ s still possible to find bum rates for solid fiscal protection. In Georgia, Nationwide averages the cheapest full coverage car indemnity rate at $ 1,202 per class. Exploring different car policy companies and developing a strategy can help you find the car insurance you need, even while staying within your budget .
The cheapest car insurance companies in Georgia
To find the cheapest cable car insurance companies in Georgia, Bankrate referenced data from Quadrant Information Services and analyzed rates from dozens of insurance companies. As function of our methodology, we compared rates for both minimum and broad coverage. From there, we reviewed indemnity carriers with strong fiscal forte ratings from AM Best and high customer satisfaction ratings from J.D. Power to include in our review of the best cheap cable car indemnity companies in Georgia for 2022.
Read more: The 7 Best Car Insurance Companies (2022)
The cheapest companies for minimum coverage in Georgia
Georgia ’ randomness car insurance laws require drivers to carry at least a minimal measure of liability coverage on their car policy. Based on our findings, State Farm and Geico had some of the cheapest rates in Georgia. however, keep in mind that for your situation, another provider may offer even better rates. For comparison, here are a few other average rates for brassy car indemnity in Georgia :
| Car insurance company | Average annual minimum coverage premium | Average monthly minimum coverage premium |
|---|---|---|
| State Farm | $486 | $41 |
| Geico | $508 | $42 |
| Auto-Owners | $532 | $44 |
| USAA | $581 | $48 |
| Nationwide | $585 | $49 |
The cheapest companies for full coverage in Georgia
For more fiscal security, most policy professionals recommend purchasing higher liability limits and adding coverage options for damage to your own vehicle, like comprehensive and collision coverage and uninsured/underinsured motorist coverage. For drivers looking for low-cost wide coverage, here are how a few of the best indemnity carriers in Georgia compare :
| Car insurance company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| Nationwide | $1,202 | $100 |
| State Farm | $1,375 | $115 |
| Auto-Owners | $1,494 | $125 |
| USAA | $1,506 | $126 |
| Geico | $1,711 | $143 |
Events that can impact your cheap rates in Georgia
cable car indemnity rates can fluctuate from year to year, but some major life events could cause more sharp increases. Knowing what impacts your car insurance rate can help you decide what common discounts are available, or if it ’ mho time to shop around for a cheaper policy .
- Adding a teen driver: Teen drivers are some of the most expensive to insure because of their inexperience. Insurance companies recognize that teens pose a higher risk compared to older drivers and typically charge higher rates to compensate for the risk. If you have a young driver on your policy and are looking to save, consider insurance companies that offer teen driver discounts, like a good student discount, to offset some of the premium increase.
- Receiving a speeding ticket: Speeding is considered risky driving behavior because it can easily lead to an accident. In Georgia, the number of points a driver receives on their driving record depends on how fast they were driving compared to the speed limit. The points stay on a driver’s record for a set number of years and your insurance rates may be affected for three years, though this could depend on state regulations and the number of points accrued.
- Being involved in an at-fault accident: Drivers involved in an at-fault accident will typically see a considerable increase in their insurance rates. The amount of premium increase will depend on a variety of factors, including the severity of the accident, location, total cost of repairs and whether or not alcohol or speeding was a factor. With at-fault accidents, your rate may be affected for about five years, but as all companies rate at-fault accidents differently, you may find a company with lower rates by shopping around.
- Being deemed a high-risk driver: A single incident is not likely to immediately label you as a high-risk driver, but a string of them — especially a DUI conviction in Georgia, multiple speeding tickets or having bad credit — may have a significant impact on your rates. High-risk drivers may have a more difficult time qualifying for traditional insurance companies and face higher rates, even when shopping around. In these situations, you could ask about any discounts you might be able to qualify for, drive a vehicle that’s cheaper to insure or explore companies that offer non-standard insurance.
Cheapest cities in Georgia for minimum coverage
Geographic location matters when it comes to cable car indemnity, even within a specific department of state. To find the average cost of car insurance in Georgia, Bankrate researched multiple cities and found that drivers pay around $ 756 per year for minimum coverage and $ 1,982 per year for full coverage. Although individual rates may vary, below are the cheapest cities, on average, for minimum coverage in Georgia :
| City | Average annual minimum coverage premium | Average monthly minimum coverage premium |
|---|---|---|
| Fitzgerald | $607 | $51 |
| Cuthbert | $609 | $51 |
| Rebecca | $611 | $51 |
| Edison | $612 | $51 |
Cheapest cities in Georgia for full coverage
When it comes to full coverage indemnity, geographic localization matters besides. Cities and suburbs have unique traffic patterns, crime rates and accident statistics, a well as associated costs of tug and rectify. Based on our review of quote annual premiums, the four cities below offer some of the cheapest car policy in Georgia for full coverage :
| City | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| Lake Park | $1,674 | $140 |
| Dasher | $1,682 | $140 |
| Valdosta | $1,683 | $140 |
| Hahira | $1,683 | $140 |
Minimum coverage requirements for Georgia drivers
Driving without policy in Georgia carries major penalties. To be compliant with Georgia ’ s minimum liability requirements for car policy, drivers must have at least :
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
The determination of liability is to protect the other party involved in an at-fault accident, so it will not apply to you, your passengers or your vehicle. Georgia does not require drivers to purchase extra coverage options like comprehensive, collision and medical payments, but having these included in your policy protects you financially for damage to your own vehicle or immediate checkup expenses that arise from an incident. Both comprehensive examination and collision coverage may besides be required if you have a loanword on your vehicle or it is leased .
Here is how to find (and keep) cheap car insurance in Georgia
low-cost car insurance is a priority for many drivers. There are a few simpleton steps you can take to keep your indemnity rates accomplishable. To find and keep the cheapest car indemnity in Georgia, here are some tips for your search :
- Shop around with carriers. All insurance providers have their own methods for determining car insurance rates. For this reason, you may find that even when you request quotes for exactly the same coverage options and limits, each company may give you a different price. Requesting quotes from multiple insurance providers will help ensure you find the most competitive rate.
- Maintain a clean driving record. Practicing safe driving habits and avoiding risky behaviors is one of the best ways to manage your car insurance premium over time. It signals to insurance companies that you are lower risk and helps you avoid expensive surcharges on your policy that come with events like accidents, tickets and DUIs. Some companies even provide savings opportunities to incentivize safe driving habits.
Frequently asked questions
What is the best car insurance in Georgia?
car policy companies in Georgia are abundant and may be familiar family names for insurance. Narrowing down the best car insurance options for you requires taking personal criteria into consideration. Outside of considering cost, this may include comparing reviews from stream policyholders or assessing an insurance company ’ s fiscal force. indemnity experts typically suggest getting quotes from multiple car policy companies for the same types and amounts of coverage to find the best rates .
What is the average cost of car insurance in the U.S.?
The average price of car insurance in the U.S. is $ 565 per year for minimum coverage and $ 1,674 per year for full coverage. actual rates will vary depending on the supplier and multiple personal factors, such as the type of cable car you own, your ZIP code and your centrifugal vehicle record, among other factors .
How can I get car insurance online?
many car policy companies have an on-line instrument to help drivers quote and tied purchase an indemnity policy immediately without having to speak directly to an agent. To get started, some things you will need typically include driver ’ second license numbers of all drivers that need to be on the policy, the lay down, exemplar and vehicle identification of all your vehicles, and what coverage options you ’ d like to include on the policy. In some cases, purchasing a policy on-line may besides result in a discount .
How do I get the best coverage at an affordable cost?
cable car policy is an essential fiscal protection. To get the best policy for your needs, first look at the coverage offered by different insurers, then compare the cost differences and check for available discounts offered by each insurance company. To maximize rate and make sure you are getting the right come of coverage for your needs, it is by and large a good practice to speak with a license indemnity agent before purchasing a policy.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the stick to full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimal coverage that meets each state ’ randomness requirements. Our free-base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum. These are sample rates and should only be used for comparative purposes .