If you’re a Georgia driver, finding affordable and reliable auto insurance is crucial. Georgia law requires all drivers to carry minimum liability coverage, but shopping for the right policy can feel overwhelming. This guide will walk you through how to get auto insurance quotes in Georgia, factors that impact your rates, and tips to save money while staying fully protected.
Georgia Auto Insurance Requirements: What You Need to Know
Georgia mandates the following minimum coverage for all drivers:
- Bodily Injury Liability: 25,000perperson/25,000perperson/50,000 per accident.
- Property Damage Liability: $25,000 per accident.
While these are the legal minimums, many drivers opt for higher limits or additional coverage (e.g., collision, comprehensive) to protect against out-of-pocket costs.
Why Liability-Only Might Not Be Enough
Georgia’s roads are busy, with Atlanta ranking among cities with high accident rates. If you cause an accident, liability coverage pays for others’ expenses, but it won’t cover your own repairs or medical bills. Adding full coverage (liability + collision + comprehensive) is often recommended for newer vehicles or financed cars.
5 Factors Affecting Auto Insurance Quotes in Georgia
- Driving Record: Clean records get the best rates. Speeding tickets, DUIs, or accidents can raise premiums by 20–50%.
- Location: Urban areas like Atlanta typically have higher rates due to traffic congestion and theft rates.
- Age & Experience: Drivers under 25 pay more. Seniors over 70 may also see rate increases.
- Credit Score: Georgia allows insurers to use credit history to calculate premiums. Improving your score can lower costs.
- Vehicle Type: Luxury cars, EVs, and models with high theft rates cost more to insure.
How to Get Auto Insurance Quotes in Georgia
Step 1: Compare Multiple Providers
Georgia has over 200 insurers, including State Farm, Allstate, and local providers like Georgia Farm Bureau. Use online tools to compare quotes from at least 3–5 companies.
Top-Rated Insurers in Georgia (2024):
- State Farm: Best for customer service.
- Progressive: Best for high-risk drivers.
- GEICO: Best for budget-friendly rates.
- Southern Insurance: Best local provider for personalized plans.
Step 2: Adjust Your Coverage Limits
Higher deductibles (500–500–1,000) can lower premiums, but ensure you can afford the deductible in case of a claim.
Step 3: Ask About Discounts
Georgia insurers offer discounts for:
- Bundling home and auto insurance.
- Completing a defensive driving course.
- Installing anti-theft devices.
- Maintaining a claims-free record.
Average Cost of Auto Insurance in Georgia
Georgia drivers pay an average of 1,400annually∗∗forfullcoverageand∗∗1,400annually∗∗forfullcoverageand∗∗500 for minimum liability. Rates vary widely by city:
| City | Average Full Coverage Premium |
|---|---|
| Atlanta | $1,800 |
| Savannah | $1,300 |
| Augusta | $1,250 |
3 Tips to Lower Your Georgia Auto Insurance Rates
- Improve Your Credit Score: Pay bills on time and reduce debt.
- Drive Safely: Avoid tickets and accidents to qualify for “good driver” discounts.
- Review Your Policy Annually: Life changes (e.g., moving, paying off a car) can lower rates.
FAQs About Georgia Auto Insurance Quotes
Q: Can I get auto insurance with a suspended license in Georgia?
A: No. You must reinstate your license before purchasing a policy.
Q: Does Georgia offer low-income auto insurance programs?
A: No, but usage-based plans (e.g., pay-per-mile) from insurers like Allstate can help save money.
Q: How long do accidents stay on my record in Georgia?
A: 3–5 years, depending on severity.
Final Thoughts
Comparing auto insurance quotes in Georgia is the best way to balance affordability and protection. Use online comparison tools, ask about discounts, and adjust coverage to match your needs. Ready to start? Click below to get free quotes from Georgia’s top providers today!