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Cheapest Car Insurance Rates In Georgia (2018)

It’s easy to feel overwhelmed when comparing auto insurance quotes simply because there are so many providers to choose from. Unfortunately, there’s no such thing as a one-size-fits-all insurer who offers the best car insurance rates in Georgia for everyone. To help you uncover the cheapest quote for your particular situation, our Geeks crunched the numbers from nine top carriers to identify the lowest premiums for the following types of drivers:

Our Geeks took care of all the quote comparison work by evaluating the rates of nine top insurance providers to help you find affordable premiums the following types of drivers:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$110/month estimate

$145/month estimate

You probably know that driving for multiple consecutive years without a crash can lead to lower auto insurance premiums. Drivers in this category are less of a liability, so they tend to pay less for insurance. Our study revealed that State Farm has the most affordable rates for drivers with no accident history in Georgia.

Best Rates For Teen Drivers

$157/month estimate

$158/month estimate

Teenagers have less experience behind the wheel, so they are more likely to cause collisions. As a result, teens tend to pay more for insurance.

The cost to insure a teen driver can vary significantly from company to company. The driver in our test was age 18 and had a spotless record. The estimates above are based on the minimum required coverage levels in Georgia.

Best Rates For Drivers With A DUI

$123/month estimate

Drunk driving can take a huge bite out of your pocket. If there’s a DUI on your record, you’ll probably pay more for auto insurance, and the uptick in your premiums could last for several years. Our researchers determined that State Farm offers the best low cost auto insurance in Georgia for motorists with a DUI conviction.

Best Rates For Senior Drivers

$93/month estimate

The senior driver in our study was a 65 year old who drove 4,000 miles per year. The driver hadn’t been cited for any serious traffic infractions or caused a collision within the past five years. State Farm was found by our researchers to have the cheapest car insurance for senior drivers in Georgia.

STUDY METHODOLOGY

To determine the best auto insurance rates in GA, our team calculated the average quotes for males and females from five zip codes. Our default car was a 2014 Toyota Corolla with a yearly mileage of 12,000. The default driver was age 29. We used 50/100/25 liability coverage and 50/100/25 uninsured motorist coverage to calculate the estimates for all driver categories except teen drivers.

What Are The Legal Minimum Car Insurance Requirements For Georgia Drivers?

Drivers in Georgia are legally required to carry auto insurance that covers $25,000 for bodily injury to one person, $50,000 for bodily injury per collision, and $25,000 for property damage.

Georgia Car Insurance FAQs

What Kinds of Car Insurance Are Required in Georgia?

Georgia drivers are legally required to carry a minimum amount of liability insurance. This is to ensure they are able to pay for any damage or physical harm they cause in an accident on the road.

Most motor accidents result in some degree of vehicle damage or bodily injury. Subsequent repairs and medical bills can run into the thousands of dollars. By carrying auto insurance, you are confirming to the state that if you cause an accident, you will be able to pay for these costs.

Bodily injury (BI) coverage is required by Georgia law. This insurance pays for the medical expenses, lost income, and even legal fees of the other driver affected by a crash you have caused, up to the limits of your policy.

Property damage (PD) coverage is another mandatory form of insurance. If you have caused damage to another driver’s vehicle, and he or she is forced to hire a rental car while repairs are made, or if you have damaged property on the side of the road, you will be protected by your insurer, up to policy limits.

How Can I Prove I Am Insured?

It is recommended that you carry your insurance card with you in your vehicle at all times. While this is not a legal requirement, you will need proof of your policy details in the event of a crash, to exhange with other affected drivers. You may also keep a digital card stored on your smartphone, provided it includes all the necessary information.

Your insurance carrier should submit the details of your policy agreement to the Georgia Electronic Insurance Compliance System (GEICS). It is essential that they do so. When you register your vehicle, or are asked to show proof of insurance at a traffic stop, the authorities will try to match the details displayed on your insurance card to the information stored on the system. Any discrepancies could land you in trouble.

What Are the Optional Car Insurance Coverage Options in Georgia?

Your are legally required to carry only the bare minimum in auto insurance. But car accidents are complex events that can have wide-ranging and long-lasting consequences. In the event of a serious accident, the minimum required amount may not be enough to cover the full extent of the damage.

It may be beneficial to purchase both BI and PD insurance coverage with higher limits than what is required, to ensure you are not left paying out of pocket. You may also find one or more of these optional coverage options useful:

  • Collision coverage: when your car collides with another and is damaged in the process, this insurance will pay for the repair costs;
  • Comprehensive coverage: when your car is damaged in an incident or event that is not strictly an accident, this insurance will pay for the repairs; and
  • Uninsured motorist coverage: when you are in a crash caused by a driver without the proper insurance, he or she may be unable to pay for your vehicle repair or medical expenses, and this insurance will kick in to cover what they owe.

What Is the Georgia Automobile Insurance Plan?

If you have a poor driving history, you may find it difficult to find insurance in Georgia. That’s because insurers are usually reluctant to take on the risk of a driver who may end up costing them money in accident-related payouts.

But even if you have been designated a high-risk driver, you still need to be insured. The Georgia Automobile Insurance Plan (GAAIP) is a state-led initiative that assigns insurers to drivers, no matter how risky their profile.

On this plan, you may find your premium to be a lot higher than you would prefer, due to your poor driving history. But GAAIP-assigned coverage is valid for a period three years, giving you ample opportunity to improve your driving record and reduce your risk profile.

You will only be eligible for coverage through the GAAIP if you can prove you have tried to find insurance from at leats two separate insurance companies in the past 60 days, and had your application turned down each time. You will also need to have a valid vehicle registration and driver’s license.

Speak to any licensed property and casualty insurance agent about applying for coverage through the plan.

What If My Georgia Car Insurance Expires?

If you allow your insurance policy to expire, your insurer will notify the Georgia Department of Driver Services (DDS) and you will have 30 days from that expiration date to provide proof that you have applied for and secured a new insurance agreement.

A lapse – defined as ten or more days without proper insurance coverage – can lead to fines of anywhere from $85 to $185. And if you do not find insurance within those 30 days, your vehicle’s registration will be suspended.

What Are the Penalties for Driving Without Insurance in Georgia?

Traffic law enforcement officers have the authority to ask to see proof of your active insurance policy at routine traffic stops and at the scene of a crash. If you cannot show you carry the proper insurance, you could be hit with a misdemeanor and a number of severe penalties. Here is how the penalties progress with each conviction:

  1. First offenders
    License and registration suspended: 60 days
    Lapse fee: $25
    Reinstatement fee: $60
    Possible jail time: up to 12 months
  2. Second Offenders
    License and registration suspended: 90 days
    Lapse fee: $25
    Reinstatement fee: $60
    Possible jail time: up to 12 months
  3. Third and Subsequent Offenders
    License and registration suspended: six months
    Lapse fee: $25
    Reinstatement fee: $160
    Possible jail time: up to 12 months
    Additional penalties: if driving a suspended vehicle

Is It Possible to Reduce the Penalties for Driving While Uninsured?

Do you know you won’t be driving for a period of time? Or has your license been suspended? You can volunteer to cancel your vehicle’s registration so that you won’t be penalised for going without liability insurance. To do so you will need to approach the Tax Commissioner’s office and submit a signed and notarized formal Affidavit for Mandatory Insurance Relief of Lapse/Pending Suspension & Suspension Fees.

How Can I Lower My Car Insurance Premiums in Georgia?

Car insurers are notoriously risk-averse. This means the best way to pay lower monthly premiums is to practise safe driving habits and avoid dangerous situations while on the road.

While your driving record is a major determining factor that insurance companies will take into account when calculating your risk profile, it is not the only one. Other criteria to bear in mind are:

  1. Where you live;
  2. Where you park your car;
  3. Your age, gender, and marital status;
  4. The age and make of your vehicle;
  5. Whether you drive for work or leisure;
  6. How often you drive, and how far;
  7. The kinds of security features installed in your car; and
  8. Your credit history.

Do Georgia Car Insurers Offer Discounts on Premiums?

Most insurance companies in Georgia will offer discounts to drivers they consider to be low-risk. You may qualify for a discount if you have a history of safe driving, have insured multiple vehicles – or have completed a DDS-approved defensive driver course. Speak to your insurer about whether you are eligible.

What Is Insurance Fraud?

Car insurance fraud is the practice of deliberately deceiving insurance companies about the cause of an accident or the nature and extent of the damage incurred.

Instances of car insurance fraud include:

  • A driver deliberately staging a car crash;
  • A passenger faking an injury after being in an accident;
  • Anyone supplying false information to an insurance carrier;
  • A car repair service overcharging for reconstruction work; or
  • A medical professional overcharging for treatment.

Report insurance fraud to the Consumer Services Division of Georgia’s Office of Commissioner of Insurance by calling (800) 656-2298 toll-free.

A Quick Guide to Georgia’s DUI Laws

In Georgia, it is illegal to operate a motor vehicle with a blood alcohol concentration (BAC) of:

  • 08% or higher, if you are 21 years old or older;
  • 04% or higher, if you are operating a commercial vehicles; or
  • 02% or higher, if you are younger than 21 years old.

If you are convicted of driving under the influence in Georgia you face a range of serious penalties, from having your license revoked to spending time in jail. It can also have a long-term effect on your car insurance premium. Drivers with DUI convictions on their record are considered high-risk cadidates by most insurers, and may find it very difficult to secure affordable insurance as a result.

Car Accident Statistics in Georgia

A total of 1,554 people were killed in road accidents in Georgia in 2016, accordign to the National Highway Traffic Safety Administration (NHTSA) – an increase of 8.5 percent from the year before.
Over 350 of those fatalities occurred in alcohol-related accidents.
Between 2003 and 2012, 3,699 people were killed in crashes involving a drunk driver in Georgia, according to the Centers for Disease Control and Prevention.
In Georgia …

  • 29 pedalcyclists were killed in accidents in 2015;
  • 167 motorcyclists were killed in accidents in 2016;
  • 193 pedestrians were killed in road accidents in 2015; and
  • 169 fatal crashes involved large trucks 2016 (NHTSA).

 

 

cheapest car insurance in georgia

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