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:
Best Rates For Drivers With No Recent Accidents
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 Geico has the most affordable rates for drivers with no accident history in Georgia. You should also check quotes from State Farm, another company that stood out for its very affordable rates for safe drivers.
Best Rates For Teen Drivers
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
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 these two providers offer the best low cost auto insurance in Georgia for motorists with a DUI conviction.
Best Rates For Senior Drivers
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. Geico was found by our researchers to have the cheapest car insurance for senior drivers in Georgia. State Farm also had very low rates for this category.
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.