Georgia vehicle insurance rates vary quite a bit. For instance, premiums are much higher in Atlanta, which has a dense urban population. This page features the latest available rates and statistics for people seeking car insurance in Georgia. Here is some useful information that will help you figure out the Georgia auto insurance plan that works best for you.
Georgia Minimum Liability Coverage
The minimum required car insurance coverage for each vehicle owned in the state of Georgia is $25,000 for Personal Injury Protection (PIP), $50,000 in per-accident protection for injury to others, and $25,000 in coverage for property damage. In insurance circles, this coverage is written as 25/50/25.
Still, the minimum requirement for car insurance is often not enough to cover the cost of accidents, and much of the cost often comes from the driver’s pocket. That’s why analysts at the Insurance Information Institute recommend that drivers buy above the minimum coverage required by state law. Their general suggestion is 100/300 coverage per vehicle.
Penalties for Driving Without Insurance in Georgia
The penalties for getting caught driving without insurance in the state of Georgia include fines, license suspension and reinstatement fees, at least. And that’s just for first offenders. Multiple violations result in stiffer penalties.
Auto Insurance Rates in Georgia
Car insurance premiums in the state of Georgia are affected by factors that include local weather conditions, local economy, percentage of uninsured drivers, availability of insurance companies and population density, to name a few. Other influences on annual premiums are the age, gender, marital status, occupation, driving record and vehicle owned by the driver, among other things.
The average annual premium for auto insurance in the state of Georgia was about $1,559 in 2016. This figure is above the national average rate for car insurance, which hovered around $1,347 at that time.
Low Cost Car Insurance Programs in Georgia
Georgia state law requires insurance carriers to grant a ten percent discount to drivers 25 years old or older with clean driving records for three years prior to applying for the discount. Georgia drivers under 25 can get a ten percent discount by completing a classroom-based training program.
Georgia car insurance carriers offer many incentive-based discounts on auto insurance. Available discounts for vehicles owned in the state of Georgia include Defensive Driving Course discounts for senior citizens, Safe Vehicle discounts for ownership of certain types of vehicles, and Good Student discounts for adults who are enrolled in school full time and excel academically.
Other available car insurance discounts are offered for the installation of anti theft devices, for purchasing more than one insurance policy, and for insuring more than one vehicle, among other things. Ask your local insurance agents about available discounts. Then compare quotes and choose the least expensive plan. It’s that simple.
Obtaining Auto Insurance Quotes in Georgia
Online customer satisfaction ratings and comparison studies from 2017 indicate that the most popular auto insurance providers in the United States are Allstate, Geico, Auto Owners Insurance, The Hartford, State Farm and 21st Century. However, comparison shopping is the best approach to finding the best car insurance. The state of Georgia has dozens of auto insurance carriers to choose from. Chances are that each one has an agent near you.