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 journey. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow stern guidelines to ensure that our editorial contentedness is not influenced by advertisers. Our column team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a reappraisal, you can trust that you ’ re getting credible and dependable data. We rate your believe. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in target to ensure that happens. Our editors and reporters thoroughly fact-check column subject to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive aim recompense from our advertisers. Bankrate follows a rigorous column policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate contentedness 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 ’ ra 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 — so you can feel confident about which supplier is correct for you. Bankrate follows a hard-and-fast editorial policy, so you can trust that we ’ re putting your interests first. All of our contentedness is authored by highly qualify professionals and reviewed by discipline matter experts, who ensure everything we publish is objective, accurate and worthy of your believe. Founded in 1976, Bankrate has a hanker track record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making march and giving people confidence in which actions to take future. While we adhere to strict editorial 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. submit farm, Geico, Auto-Owners and Allstate are the best car insurance companies in Georgia, according to Bankrate ’ s proprietorship analysis. We found these companies provide robust coverage options at lower-than-average prices. For reference, the average cost of car insurance in Georgia is $1,982 per year for full coverage, based on Bankrate’s 2022 study of quoted annual premiums. Bankrate ’ s insurance column team has reviewed the major policy companies in Georgia to determine which may be the best carriers. We analyzed coverage options, available discounts, average premiums, fiscal force and customer atonement scores to help you find an car insurance company that might fit your needs. When looking for cable car insurance, Georgia drivers may want to consider comparing quotes from these companies .
Best car insurance companies in Georgia
When shopping for car insurance, cost is not the only factor to consider ; a party ’ s ratings are besides important indicators of how it might stack up on the basis of customer experience or fiscal military capability. J.D. Power scores were factored into our acme picks, as they are indicative of a company ’ second median customer satisfaction. We besides considered AM Best and Standard & Poor ’ s ( S & P ) fiscal strength ratings, american samoa well as each company ’ south coverage options, discounts and handiness. We analyzed each of these factors to create a proprietary Bankrate Score, which scores each caller on a scale from 0 to 5 points based on how strongly they rate in each class. Based on our research, the pursue companies offer the best car insurance in Georgia :
Auto-Owners
Auto-Owners lone writes policies in 26 of the 50 states, so you may not be as conversant with it as early carriers on our tilt. however, this regional carrier offers car coverage to drivers in Georgia and has a few aspects that make it a standout on our list. The company has the second-lowest average annual premium of the top providers highlighted above. While Auto-Owners has a humble modal fully coverage bounty for Georgia drivers, the company besides provides respective discounts that might help you get an evening lower rate. You may be able to save further by paying in entire and on time, enrolling in paperless statements, having guard features on your fomite and getting a quote before your current policy expires. Auto-Owners is besides known for its fiscal constancy, earning the highest fiscal forte fink available from AM Best, A++ ( Superior ) for 49 consecutive years. Learn more : Auto-Owners Insurance review
State Farm
We found State Farm offers the cheapest rates of all the providers on our number, and its customer avail and policy offerings are highly rated by third-party agencies. With the mobile app, State Farm enables customers to do everything from file a call to request wayside aid. For consumers who like to handle their car policy in person, the ship’s company has hundreds of local agents throughout the Peach State. State Farm offers several discounts that may help you save even more on your car indemnity. You may be able to save by being accident-free, being a dear driver, insuring multiple products with State Farm and having some vehicle safety features. State Farm, which has the largest car indemnity market share in the U.S. with $ 40.4 billion in direct premiums written, carries an A++ ( Superior ) fiscal persuasiveness rating from AM Best. Learn more: State Farm Insurance follow-up
Geico
Geico, the moment largest U.S. car insurance company, with $ 33.9 billion in conduct premiums written, offers competitive premiums for drivers in Georgia. In addition to car insurance, Geico offers coverage for renters, homeowners, clientele and pets, among other insurance products. Geico besides has an A++ ( Superior ) fiscal intensity rate from AM Best. Although Geico ’ south average full coverage car premium is already less than Georgia ’ second average, the caller besides offers a multitude of discounts. You might save for having certain safety features on your vehicle, being a federal employee, a member of the military community or a good driver. Learn more: Geico Insurance follow-up
Read more: The 7 Best Car Insurance Companies (2022)
Allstate
As one of the best-known car policy providers and the fourthly largest U.S. car writer with $ 25.9 billion in direct premiums written, Allstate offers Georgia drivers competitively priced car policy with batch of digital tools to make policy management easy, including its mobile app and a full-bodied company web site. Allstate besides offers many discounts that could help you lower your rate. Discounts include having a new car, being a condom driver or for good high school and college students ( with qualifying grades ). Allstate has a broad network of local agents throughout Georgia, which may be appealing if you prefer to handle your indemnity needs in-person. Allstate besides has a very potent balance sheet with an A+ ( Superior ) fiscal strength rating from AM Best. Allstate is besides among the best renters insurance companies for policyholders looking to bundle policies. Learn more : Allstate Insurance recapitulation
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Average car insurance cost in Georgia
car indemnity in Georgia is relatively expensive, with an modal wide coverage agio that is more than $ 300 higher per year compared to the annual national average cost of cable car policy. While the national average cost of full coverage car policy is $ 1,674 per year, Georgia residents pay $ 1,982 per class for the lapp coverage. minimum coverage is similarly more expensive, at $ 756 annually for Georgia residents and $ 565 per class, on average, in the U.S .
| Average annual premium for minimum coverage in Georgia | Average annual premium for full coverage in Georgia |
|---|---|
| $756 | $1,982 |
How to find the best car insurance in Georgia
Finding the best cable car policy rates in each express doesn ’ deoxythymidine monophosphate have to be complicated. In fact, you can take a few simple steps before you even start shopping. These steps might save you time and help you find the correct company and coverage types for you .
Consider minimum insurance requirements in Georgia
Georgia, like most states, Georgia car indemnity laws require you to carry at least a minimum horizontal surface of car policy. In the Peach State, you must carry at least the minimal necessitate levels of bodily injury liability coverage and place damage indebtedness coverage. minimum coverage broadly costs less than buying higher limits or broad coverage, but it may not provide you with enough fiscal protection to pay for the costs of an at-fault accident. If you cause injuries or damages that exceed your coverage limits, you will be responsible for the overage out of pocket. Most indemnity professionals advise that you purchase higher liability limits if you can afford them. You may besides want to consider adding optional collision and comprehensive examination coverages so that you have complete fiscal security for damage to your fomite — including losses from accidents, larceny and severe weather events — according to the Insurance Information Institute ( Triple-I ) .
Consider lender requirements
If you have a lend or lease on your vehicle, you typically will be required to carry full coverage. What is fully coverage car indemnity ? Full coverage means that you have comprehensive examination and collision coverage on your policy. If you lease your vehicle, your lessor might besides require you to carry at least a certain floor of liability coverage adenine good. additionally, you may want to consider gap insurance. Gap coverage is designed to pay the difference between your new vehicle ’ s actual rate and the outstanding lend or lease amount owed if your car is totaled in an accident .
Consider your individual needs
Everyone has a unique position that they bring to their car insurance search. possibly you need car indemnity for adolescent drivers, so you ’ rhenium looking for a company with cheap rates for inexperienced drivers and new driver discounts. Or possibly you ’ ve had a few accidents or a DUI conviction and need bad car indemnity, which could limit the issue of car insurance companies available to you. Understanding your person circumstances and deciding what coverage types, discounts and policy features you are looking for can help you choose which companies to get quotes from .
Car insurance discounts in Georgia
Although Georgia ’ south car policy prices are higher than the national average, you distillery have ways to potentially lower your premium and effectively find the cheapest car indemnity in Georgia. If you ’ re wondering how to lower your car insurance, discounts are one of the easiest ways to save. Most major insurance companies offer at least a few discounts. Some of the best car insurance discounts in Georgia are :
- Young driver discounts: If you have a teen driver on your policy, you may be eligible for several discounts. If your teen is a full-time student and maintains good grades, you might qualify for a good student discount. Other common young driver discounts include savings for students who go to college without a vehicle and teens who take a certified driver training course.
- Safe driver discounts: If you have a clean driving record — meaning no accidents, tickets or major violations in the past three to five years — you might qualify for a safe driver discount. Additionally, having certain safety features on your car, like anti-lock brakes, an alarm system, forward collision warning or side curtain airbags may earn you a car insurance discount.
- Other discounts: If you own a home or condo, or even if you rent your current home, you may get a multi-policy discount if you insure your property with the same company as your auto insurance. This is called “bundling.” The benefits of bundling your home and auto insurance are significant. You could earn a discount on both policies. Also, many companies will offer a policy discount if you are able to pay your entire premium in full, rather than in monthly or quarterly installments.
Discounts can much help you save on your car indemnity. Because each company offers a different suite of discounts, researching savings opportunities online or talking to a spokesperson from your current company might help you to identify ways to save .
Frequently asked questions
What is the cheapest car insurance in Georgia?
The cheapest car indemnity companies in Georgia will be different for everyone, since rates are specific to your singular circumstances. The Triple-I recommends getting quotes from at least three carriers to compare costs and coverages, and focus on the discounts offered which may help you get a lower premium .
What if I cause a crash in Georgia and the damages are higher than the coverage I have?
You would be creditworthy for the expenses that exceed your policy limits. This is why most indemnity professionals recommend that you purchase higher limits of liability, if you can afford to do so. State minimum coverage might be cheaper, but you could be left with high out-of-pocket bills if you cause an accident. Getting quotes for a few different levels of liability may help you choose an choice that is right field for your risk-tolerance tied and your budget .
What happens if I drive without insurance in Georgia?
Because Georgia requires that all drivers carry at least the state minimum limits of car indemnity coverage, driving without policy is illegal. If you are caught driving without insurance, you could be charged with a misdemeanor, face a fine up to $ 1,000 and have your license suspended up to 90 days. If you cause an accident, penalties may be stiffer, including imprison time, and you will have to pay for the damages that you cause out of pouch because you have no indemnity coverage .
What information is required to get car insurance in Georgia?
different car insurance providers ask for different information during the quotation mark action. typically, to get a cable car indemnity quote in Georgia, you will need to provide contact information such as your list, call number or e-mail address and physical address. You may besides have to provide your driver ’ south license count, date of give birth, Social Security number, and vehicle identification total ( VIN ) for each vehicle that you want to insure. You may besides have to fill out personal information such as name, date of birth and license number for every driver in your family .
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 uninfected drive record, good credit and the follow 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 minimum coverage limits, Bankrate used minimum coverage that meets each state ’ s requirements. Our base profile drivers own a 2019 Toyota Camry, permute five days a week and drive 12,000 miles per annum. These are sample rates and should merely be used for comparative purposes.
Read more: The 7 Best Car Insurance Companies (2022)
Bankrate Scores
Bankrate Scores primarily reflect a weighted social station of industry-standard ratings for fiscal strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is significant for drivers to be convinced their fiscal protective covering covers the likeliest risks, is priced competitively and is provided by a financially-sound party with a history of positive customer support. To determine how well the best car indemnity companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S & P, NAIC, and Moodys had the most impact on the companies ’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This visibility, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each supplier. While coverage options, insurance company handiness, affordability and customer experience are often the top priorities, Bankrate besides analyzed each insurance company ’ south on-line and mobile resources for policy management and claims handling. indemnity is quickly evolving to keep pace with our digital populace, so these aspects besides carried weight in determining Bankrate Scores .