Best Cheap Car Insurance in Georgia 2021 – Forbes Advisor

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Finding Cheap Auto Insurance in Georgia

Are you looking for good auto insurance rates in Georgia? We’ve analyzed the rates of major insurers for a variety of drivers to find the best places to start.

Related: Best Car Insurance Companies

Cheap auto insurance in Georgia for good drivers

Good drivers don’t necessarily get low rates from all auto insurance companies. It may take a little shopping. Our analysis revealed that Geico can be a good bet. Also try Nationwide and Auto-owners. For military personnel and veterans alike, it is worth getting a quote from the USAA.

Cheap car insurance in Georgia for speeding drivers

A speeding ticket can change the landscape of cheap auto insurance for you. Even with a ticket on your record, you shouldn’t be afraid to shop around for better Georgia auto insurance rates. Auto owners were the cheapest option among the companies we surveyed. The Progressive and State Farm are also worth a try.

Cheap auto insurance in Georgia for drivers who have caused an accident

To cause a car accident that injures someone else will mean an average increase of over $ 1,000 a year in Georgia. In these cases, it is worth comparing quotes from several companies if you are looking to save money. Our analysis revealed that Progressive and Allstate can be good bets.

Cheap auto insurance in Georgia for drivers with a DUI

The average increase in auto insurance in Georgia after a DUI is approximately $ 1,250 per year. You can try to reduce the increase. Our analysis showed that Allstate was the cheapest company in this situation, among the companies we surveyed.

Cheap Auto Insurance In Georgia For Drivers With Low Credit

As in other states, Georgia drivers with poor credit can get tricked when it comes to auto insurance rates. With the wide disparities in rates among Georgian insurers, now is a good time to look for a better deal. Check quotes from auto owners, State Farm, and other businesses to see if you’re lowering your insurance bill.

Cheap auto insurance in Georgia for drivers without insurance

If you’re caught driving without insurance, expect to pay an average of $ 350 more per year when you buy a policy. Insurers don’t like to see auto insurance failures because they think it indicates a riskier customer. Auto and Progressive owners can offer options for cheaper auto insurance rates in Georgia.

Minimum auto insurance required in Georgia

Liability insurance is the only compulsory coverage in Georgia. It pays for property damage and injuries you cause to others. And if another driver hits your car, you can make a claim against their automobile liability insurance or sue them for your own damages and injuries. You can also sue them for pain and suffering.

Car owners in Georgia must have liability coverage with at least:

  • $ 25,000 for bodily injury to a person.
  • $ 50,000 for bodily injury to more than one person in a single accident.
  • $ 25,000 for property damage in an accident.

If you cause an accident and your liability insurance doesn’t cover everyone’s bills, you can still be sued for the rest. This is the financial danger of low liability limits. If you have assets like savings that you could lose in a lawsuit, it makes sense to buy higher liability coverage limits.

What else should I have?

Injury Protection (PIP). PIP insurance is valuable because it pays the medical bills for you and your passengers, regardless of who caused the accident. It covers lost wages if you cannot work. It may also cover services you need to hire, such as babysitting, for tasks you can’t perform.

The PIP can also pay for funeral expenses.

If you are injured in a car accident, you can make these types of claims on your own PIP insurance.

When considering whether or not to buy Georgia PIP, keep in mind that Georgian law is very specific about finding “fault”. If you are more than 50% responsible for an accident, you cannot sue the other driver for anything. If you were less than 50% responsible for your fault but you still have some responsibility, your compensation will be determined by your percentage of fault.

If you have PIP insurance, none of that matters. You can make a PIP claim whether you are completely at fault, a little at fault, or not at fault.

Coverage of medical payments (MedPay). MedPay is similar to PIP insurance but only covers medical bills or funeral expenses. MedPay does not cover lost wages or essential services, as PIP does. Still, it’s useful for paying the medical bills for you and your passengers no matter who was at fault in an accident. In Georgia, MedPay can cover bills you incur for three years after the accident.

MedPay coverage amounts of $ 1,000, $ 2,000, $ 5,000, $ 10,000, $ 25,000 and $ 50,000 are generally available.

Collision and full coverage. The coverage required in Georgia does not cover damage to your vehicle in many situations.

What if a flood takes your car away? What if you came back to a pole at Publix? Without a collision and comprehensive coverage, you could find yourself stuck with a big car repair bill or buying a new car. Together, they cover damage caused by flooding, hail, fires, falling objects, vandalism, riots and collisions with animals.

Comprehensive insurance also pays you if your vehicle is stolen and not found.

Collision and full coverage are generally required if you have an auto loan or lease.

Coverage for uninsured motorists. You can’t believe other drivers on the road have insurance. If an uninsured driver hits you, you’ll be happy to have uninsured motorist coverage. UM coverage in Georgia can cover both damage to your car and personal injury if an uninsured driver hits you.

Georgia does not require coverage for uninsured motorists, but unless you decline it in writing, it will be included in your policy. You might not realize you have it unless you read your policy carefully.

A related coverage is Underinsured Motorists (UIM) coverage. If one driver has insurance but not enough and hits you, your UIM coverage may pay off after the other driver’s insurance expires.

Finding the best auto insurance in Georgia

Can I show my insurance ID card from my phone?

Georgia allows you to use your phone to show an auto insurance ID card. If you are arrested, you don’t have to hope that your ID card is somewhere in your glove compartment. Many auto insurers have mobile apps that include access to your insurance ID.

Factors Allowed in Georgia Auto Insurance Rates

In addition to your driving record, previous claims, and vehicle model, auto insurance companies in Georgia may use these factors in pricing.

How many uninsured drivers are there in Georgia?

About 12% of Georgian drivers do not have car insurance, according to the Insurance Research Council. This is why it is good to have your own insurance to cover the problems they cause, including PIP insurance, collision insurance and / or coverage for uninsured motorists.

Penalties for driving without automobile insurance

If you are caught driving without insurance, you can be fined $ 200 to $ 1,000 and stay in jail for up to a year.

When can a vehicle be totaled in Georgia?

If your vehicle is badly damaged, your insurance company could declare it a total loss.

In Georgia, a car can be totaled when it is “damaged to the extent that its restoration to working order would require the replacement of two or more major components”. It could be due to accident, flood, fire or any other problem. Even a large falling tree branch could total a car.

Resolve insurance issues

The Georgia Office of Insurance is responsible for monitoring insurance companies and handling consumer complaints. If you have an unresolved issue with your insurer, you can start a online claim.


To find the cheapest auto insurance companies in Georgia, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

Companies rated for Georgia Allstate, Auto-Owners, Country, Geico, Nationwide, Progressive, State Farm, and USAA.

About Teresa G. Wilson

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