Best Cheap Car Insurance in Georgia (2024)
Compare and Buy Cheap Auto Insurance in GA
Get the Cheapest Car Insurance Rates in GA
There are nearly 90,000 miles of public roads and streets in Georgia; of which some 16,300 miles are on the official State Highway System. Georgia state has strict laws when it comes to Auto Insurance and hence it is compulsory to have one. If you are looking for the cheap car insurance in Georgia then you are at the right place. RateForce has list out top options for you to get the cheapest carrier rates, amazing offers, and information about insurance carriers and Georgia car insurance laws.
Best Car Insurance Companies Georgia
There is a significant difference between best and cheap car insurance rates. It is not uncommon for drivers to search for companies with the best policies instead of cheap ones. In Georgia, there are companies that provide cheap coverage options, as well as those that provide policies tailored to the individual’s profile. Lastly, some big names offer both. If you’re looking for the best auto insurance companies in GA, here are a few options to consider:
| Companies | Quotes | |
|---|---|---|
 |
Travelers | $39 /mo |
 |
Arrowhead | $39 /mo |
 |
Gainsco | $41 /mo |
 |
Amigo MGA | $44 /mo |
Cheap Minimum Liability Car Insurance in Georgia
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Georgia:
- Travelers: $78 per month
- Arrowhead: $85 per month
- Amigo MGA: $71 per month
- GEICO: $63 per month
- The General: $88 per month
- InsureMax: $94 per month
- Safe Auto: $80 per month
Cheap Basic Full Coverage Car Insurance in Georgia
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in Georgia. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Arrowhead: $214 per month
- Travelers: $172 per month
- Amigo MGA: $196 per month
- Elephant: $168 per month
- The General: $281 per month
- InsureMax: $185 per month
- Safe Auto: $290 per month
Cheap Premium Full Coverage Car Insurance in Georgia
Here is the list of top auto insurance carriers that provide the cheapest full coverage in Georgia. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Arrowhead: $225 per month
- Travelers: $178 per month
- Amigo MGA: $206 per month
- Elephant: $173 per month
- The General: $290 per month
- InsureMax: $197 per month
- Safe Auto: $304 per month
Georgia Car Insurance Requirements and Laws
Minimum Car Insurance Requirements in Georgia Law
Georgia State has a very strict “fault” system for car accident state. This states that the “at-fault” driver will be liable for the property damage and injury expenses. Below are the minimum car insurance requirements in GA.
- Bodily Injury Liability (BIL) Coverage:
The first and most important coverage that comes into the picture of minimum coverage requirements in Georgia is BIL. Whenever a driver is at-fault in an accident; all the hospital bills of the victim(s) come under the responsibility of the driver’s insurance company. This includes the other passengers that were present in the vehicle of the victim during the accident. Below are the limits of bodily injury liability coverage requirements in Georgia:
$25,000 for the injury or death of another person (a pedestrian, passenger, another driver, or motorcyclist) in the accident.
$50,000 in case of more than one person was involved; for total injuries or deaths. - Property Damage Liability (PDL) Coverage:
The next coverage that comes into the picture is for the damages that are caused to the private property of another person. This includes damages caused to another person’s vehicle, fence, house, shop, or even gate. The car insurance company of the driver who was at fault will cover all the damages of the victim.
In Georgia, the limit of property damage liability is $25,000 per accident, which will be paid for property damage caused in the accident.
Additional Auto Insurance Coverage in Georgia:
The mandatory insurance coverage for all drivers is included in the minimum requirement coverage. However, there are some insurance coverages that are not required but are still necessary to save money. Other types of coverages that every driver should think about are as follows:
- Collision Coverage:
Collision insurance covers your vehicle in the event that it collides with another object, living or non-living. If your car collides with a tree, fence, building, or pedestrian, for example. Your insurance company will cover all car repair costs in such cases. - Comprehensive Coverage:
If your car is ever involved in a natural or man-made disaster, your insurance company will help you. Thunderstorms, fires, floods, and even vandalism are all possibilities. In the event of a disaster, you will be fully covered for all necessary car repairs. - Uninsured/Underinsured motorist coverage:
This coverage is for every person in the state who got into an accident where the at-fault driver does not have enough insurance coverage to pay for all your bills. - Roadside Assistance:
What will you do if your car breaks down while travelling on a highway or a deserted road? You can contact your insurance company, and they will send help right away. The insurance company will cover all costs associated with towing and repairing the vehicle. - Medical/Funeral Services:
This type of insurance is necessary for medical services such as summoning an ambulance or transporting a deceased person. Furthermore, the company will pay for the driver’s funeral and will cover all expenses. - Loan/Lease Payoff:
When your car is totaled in an accident, this type of insurance coverage is essential. If you still owe money on a loan or lease, your insurance company will assist you in repaying it. The pending loan or lease amount will be paid by the company. - Rental Car Reimbursement:
This is an optional type that is not overly costly and can cost hundreds of dollars. You can rent another car while your car is being repaired. And the insurance company will cover all of the costs of renting a car. - Personal Injury Protection (PIP):
This type of coverage is necessary to support you in paying all medical bills for your injuries. Despite the fact that who was at fault in that accident your insurance company will cover your medical bills. This also includes lost wages and household replacement services till the time you are in bed.
Car Insurance Quotes in Georgia by Ticket Profile
Average car insurance cost in Georgia is calculated after analyzing multiple factors of the driver profile. The background and profile of the policyholder play an important role in Georgia car insurance quotes.
Cheap GA Car Insurance for Drivers with a DUI
Once you got the DUI tag it affects your credit score which leaves an impact on all your policies or loans. After DUI there are two possibilities; either your policy will get canceled or your premium rates will go up. Arrowhead has been ranked number 1 in Georgia for providing cheap car insurance rates for drivers with DUI.
| Insurance Company | Quote |
|---|---|
| Arrowhead | $72 /mo |
| Amigo MGA | $80 /mo |
| SafeAuto | $88 /mo |
| Insurance Company | Quote |
|---|---|
| Arrowhead | $63 /mo |
| Amigo MGA | $69 /mo |
| SafeAuto | $78 /mo |
Cheap Car Insurance for Drivers with an At-Fault Accident in GA
Even a single small “at-fault” accident can increase your next premium rates excessively. As per a report by CBS News; the driver might have to pay 41 percent more as compared to the previous premium. In such cases; the driver has to either pay for accident forgiveness or compare as many rates as possible to get the cheapest premium.
Cheap Car Insurance for Speeding Drivers in Georgia
For every speeding ticket, you get points on your license. The higher the number of points, the higher the cost will be required for the insurance premium. The only way to get low premium rates is to look for discounts and compare insurance quotes. The cheapest car insurance for speeding drivers is provided by Arrowhead at $52 per month.
| Insurance Company | Quote |
|---|---|
| Arrowhead | $52 /mo |
| Amigo MGA | $58 /mo |
| SafeAuto | $66 /mo |
| Insurance Company | Quote |
|---|---|
| Travelers | $86 /mo |
| Gainsco | $101 /mo |
| SafeAuto | $125 /mo |
Cheap Car Insurance for Young Drivers
Drivers in their 20s are considered as new and young drivers and are called high-risk drivers. These drivers are required to pay on average a very high premium. The best full coverage insurance for young drivers is provided by Travelers: $86 per month.
Car Insurance for Good Drivers
In Georgia State; drivers with clean driving records and no recent violations or accidents get cheaper insurance rates as compared to others. So if you have a record free of traffic violations or tickets then you can get a cheap premium along with a bonus safe driving discount. The cheapest good driver rates we found is from Travelers: $39 per month.
| Insurance Company | Quote |
|---|---|
| Travelers | $39 /mo |
| Arrowhead | $39 /mo |
| Gainsco | $41 /mo |
| Insurance Company | Quote |
|---|---|
| Travelers | $109 /mo |
| GAINSCO | $126 /mo |
| Liberty Mutual | $153 /mo |
| Nationwide | $189 /mo |
| Progressive | $216 /mo |
Cheapest Coverage for Drivers with Poor Credit in Georgia
Drivers with poor or bad credit scores also get higher insurance rates as compared to the others. There are some states where insurance companies are not allowed to consider credit score as a factor to calculate car insurance rates. Still, some companies increase the insurance rates based on the credit score of the driver.
Below are the companies that provide affordable car insurance for drivers with a poor credit score in Georgia:
Car Insurance Discounts in Georgia
Are you looking for low-income car insurance options? Georgia State does not have government-sponsored insurance options. There are several ways to save money on car insurance in Georgia. One of these is good discounts, option to save some money. Below are some discounts for Georgia drivers:
Upfront Payment Discount:
If a driver decides to pay the entire annual premium in advance then the company provides a good discount rate. The reason behind this is the customer generates loyalty and saves the time and energy of the company. After getting the entire year’s premium in advance the insurance provider does not have to take monthly updates.
Bundling or Multiple Policy Discount:
Bundling means when the driver decides to buy insurance for more than one asset. The best example here is for drivers who have their own house. They can combine their car insurance with home insurance and get a good discount. The amount of the discount depends entirely on the insurance agency but it is guaranteed that the driver gets lower premium rates.
Different Vehicle Discount:
If you have more than one car and you want to cover all of them from one provider you will get a good deal. When a driver buys a policy for 2 or more cars from the same company, the company gives premium discounts to retain that customer.
Safety Feature Discounts:
This discount is applicable if your car has safety features like anti-theft devices, automatic seat belts, or car alarms. These features decrease the chances of someone stealing your car or major injuries hence saving the company’s money. Hence; the company gives a good discount to promote safety feature equipment in the vehicles.
SR-22 Car Insurance in Georgia
The SR-22 certificate is required for the drivers who have multiple violations like speeding, reckless driving, or drivers whose license was suspended because of driving without insurance. It is important to note that there are companies that deny SR-22 car insurance but there are companies that specialize in SR-22 Insurance in Georgia.
| Company | Average Annual Rate | Annual Average Premium with SR-22 and DUI |
|---|---|---|
| StateFarm | $724 | $859 |
| Nationwide | $782 | $902 |
| GEICO | $818 | $938 |
| Travelers | $846 | $959 |
| Allstate | $876 | $1,024 |
Best Cities for Cheap Car Insurance in Georgia
Every state and every city has its own rules and regulations for car driving and car insurance. The average cost of car insurance in the top 10 cities of Georgia as below:
| City Name | Average Premium |
|---|---|
| Savannah | $138 /mo |
| Atlanta | $135 /mo |
| Athens | $121 /mo |
| Sandy springs | $142 /mo |
| Macon bibb | $136 /mo |
| Rosewell | $133 /mo |
| Warner Robins | $120 /mo |
| Tyrone | $94 /mo |
| Milton | $111 /mo |
| Braselton | $92 /mo |
FAQs About Georgia Car Insurance
How to decide which Insurance company in Georgia provides the Cheapest Rates?
The easy way to check the insurance rates from different companies is by comparing rates from multiple companies in one place. All you need is a website that can help you to provide a list of all the top insurance companies in Georgia along with their rates.
How much is the average coverage cost for auto insurance for a young driver in Georgia?
The coverage cost for a young driver in Georgia may depend on multiple factors like weather, crime rates, and even traffic in that area. Try to get incentives like driver discounts or combining existing policies with auto insurance to get lower rates.
If I have a DUI, how does it affect my premium in Georgia?
In Georgia, your insurance premium might increase on an average to $1236.00 after a DUI. The insurance rates of your car will raise for at least three years. Also; the impact on insurance rates might be there for five to seven years for DUI.
How can I quickly get an insurance quote in Georgia?
Today everything is online, including insurance quotes. To get insurance quotes quickly just search for the best websites which provide a list of Best Car Insurance Companies in GA. There you can check and compare the quotes from different agencies in just a few minutes.
How can I get cheapest car insurance GA for high-risk coverage?
RateForce website provides a list of companies, big and small which can help provide cheap car insurance for high-risk drivers tag. You can check the rates from companies like The General, Direct Auto, and Esurance.
How much does car insurance cost in the top Georgia Cities?
Auto insurance in Georgia is relatively high as compared to the other states in the USA. After analyzing the data from the top insurance providers in some of the popular cities in Georgia we have created the following average car insurance cost:
- Atlanta: $135 Per Month
- Columbus: $98 Per Month
- Savannah: $134 Per Month
- Augusta: $127 Per Month
- Roswell: $133 Per Month
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.