Cheap Car Insurance Rates in Georgia (2019)

Compare Auto Insurance Rates in Georgia

Georgia Auto Insurance

Do you have all the information you need about Georgia car insurance rates and requirements? If you're looking for Georgia insurance for your vehicle that's good quality but inexpensive, being informed about your options is the place to start. Here's what you need to know about driving laws, insurance statistics, and other information in Georgia.

Car Insurance Requirements in Georgia

Like a number of other states, Georgia has minimum liability coverage requirements in place. If you live in Georgia and need to insure your car, you'll be required to carry:

 

  • $25,000 toward the death or injury of another person in any accident that you cause. This other person can be a passenger in your vehicle, but can also be a pedestrian, motorcyclist, bicyclist, or the driver or passenger in another car.
  • $50,000 toward the death or injury of other people in any accident that you cause. In other words, if you are responsible for an accident that kills or injures more than one person, you must have coverage for these people.
  • $25,000 toward any damage to property you cause in an accident. This can be another vehicle, someone's home, fence, or commercial building, or other type of property.

Each one of these types of coverages is for liability only. In the state of Georgia you are not required to have collision or comprehensive coverage, although many people do carry these coverage options. Additionally, while some states require you to have coverage for uninsured or underinsured motorists, Georgia does not require this coverage.

Is Georgia a No-Fault State?

Georgia is a fault state. That means that there must be compensation from the driver who caused the accident to the parties who were injured in that accident, or who had property damaged.

 

<zipcode>Find The Cheapest Auto Insurance In Georgia:</zipcode>

 

Car Insurance Prices in Georgia

Typically, car insurance in Georgia is less expensive than what would be found in other states. The average is just under $1,400 per year, and that's nearly three percent cheaper than the national average. But if you're a teenage driver or if you're elderly, you may find that your rates go up a bit. The same is also true if you're single or divorced. Married people between 35 and 75 generally pay rates that are the lowest in the state, all other things being equal.

 

<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Having a new, teen driver in the house can really drive up car insurance rates. Typically, car insurance for 16-18 year olds in Georgia can cost nearly $3,000 per year. It can also be difficult to find a company that will cover a teen driver, but shopping around and looking for the best policy is a great way to find the best possible rate.</qa>

<qa>2;Car Insurance for Students (18 - 24 year olds) in Georgia;A student in the 18 to 24 range is going to start out paying the same as a teen driver in most cases, but as they get a little bit older they'll see their rates drop by quite a bit. From paying nearly $3,000 per year at 18, drivers can be down to paying around $2,000 or less by the time they are 22 to 24.</qa>

<qa>3;Car Insurance for 24+ Year Olds in Georgia;Once you turn 25, your car insurance rates in Georgia will drop considerably. Most of your adult life, you'll pay around $1,388 a year for basic, typical insurance on average. Of course there are always specific circumstances that can change that.</qa> 

<qa>4;Car Insurance for 55 (and Over) in Georgia;At 55 your Georgia car insurance rates will start to rise. They'll climb slowly for the rest of your life, especially as you get into your middle and late 70s and beyond, but they generally won't reach the level of teenage rates.</qa>

<qa>5;Car Insurance for Veterans in Georgia;Many insurance companies offer lower rates and discounts for veterans. The best way to find that out is to check with your current insurance company and some others, to see what types of programs they offer.</qa>

 

AgeMost Popular VehicleGenderMost Common Zip Code
18 - 24FordMale - 53% | Female - 47%Atlanta
25 - 54ChevroletMale - 44% | Female - 56%Atlanta
55 - 64FordMale - 41% | Female - 59%Atlanta
65 +FordMale - 41% | Female - 59%Atlanta

* This information is based on Pretected.com users.

Auto Insurance for Good Drivers

A number of Georgia car insurance companies have discounts for good drivers. These drivers typically don't get tickets and don't get in accidents, so they're lower risk for insurers. That gets them rewarded with lower rates.

Auto Insurance for Bad Drivers

Sometimes, things behind the wheel don't go as planned. If you've made mistakes and they show up on your driving record, that doesn't mean you can't get insured. But there may be some companies that don't want to insure you, and there may be a higher premium to be paid. With time and good driving habits, you can see your rates come down again.

Traffic Violations and Fines in Georgia

Speeding Ticket Cost in Georgia

Each county handles speeding tickets, so the costs will vary. But you can expect to pay a fine and other costs if you get a speeding ticket. You could also see points added to your license, but can generally avoid that if you attend traffic school. Reckless driving will add several points to your license, and too much speed can get you charged with that, as well.

Driving While High Laws in Georgia

Using marijuana is not legal in Georgia, and driving under the influence of that drug falls under the DUI laws. Staying sober behind the wheel is the way to go in Georgia.

Driving Without Car Insurance in Georgia

Car insurance is a requirement in Georgia, and if you don't have it you could be fined or even jailed. You could also lose your license. Multiple offenses cause serious problems, and the penalties add up quickly.

Texting and Driving in Georgia

You can't text and drive in Georgia, and any cell phone use while driving should be avoided unless it's hands-free. Additionally, eating while driving and other types of distracted driving can get you fined and penalized, as well.

 

<twitter>Use your car's speakers to listen to music, as wearing headphones while driving can mean a fine.</twitter>

 

Georgia Car Accidents

There were 1,554 road deaths in Georgia in 2016, which is an increase of 8.5 percent. Naturally, that's a concern. There were also well over 113,000 accidents that results in injuries or death, so it's not just the fatalities that are a problem. Many people are also being harmed on Georgia roads every year.

Reasons for Car Accidents in Georgia

Hitting other vehicles was the most common reason for a car accident. Pedestrian strikes were low, but one of the areas where there were the most fatalities. Not wearing a seatbelt and speeding were the other main reasons for Georgia car accidents.

Car Accident Statistics by Vehicle Type in Georgia

In the fatalities that occurred in Georgia, the majority were from single vehicle strikes. This is also true of non-fatal accidents. In 2008, for example, 369,661 accidents were caused by passenger cars. Pickup trucks caused just over 100,000 accidents, and tractor trailers caused just over 13,000 accidents.

Car Accidents in Georgia - More Facts

More than 70 drivers in Georgia are hurt in a car accident every hour. Leading causes of traffic accidents include following too closely and failing to yield, along with speeding, weather conditions, and an object or animal being in the roadway.

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Georgia

  • It's illegal to text even if you're stopped at a traffic light, so don't take the chance that a cop may pull up next to you.
  • Don't honk your horn during a fair. Even if there are clowns.

 

Looking for Auto insurance in Georgia? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s "Smart Match":

 

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