Georgia Car Insurance

Georgia has been the location for many famous movies, songs, and television shows. Gone with the Wind is one of the most famous books and movies, set in Georgia during the Civil War. Other books that highlight the history of the state include Alice Walker’s The Color Purple and famed authors James Dickey and Flannery O’Connor who lived in the state at one point. Even today, Georgia serves as a hotspot for television series like The Walked Dead and Designing Women. Taking a stroll through memory lane is always nice but if you plan on taking a drive, make sure you have Georgia car insurance.

picture of atlanta, ga

Georgia Auto Insurance Guide (Image source – FLICKR)

It’s Georgia law to maintain car insurance, but that’s not the main reason you should get car insurance. The whole point of insurance is to protect you when things go wrong. And, as we know from real life and those portrayed in books, movies, and televisions, something always goes wrong. While you may not see a TV character going through the claims process on television, that’s precisely what you must do when you’re involved in an accident. Make sure you have an insurance agent who’s on your side and a policy that protects you. Purchase Georgia auto insurance using the resources on Insurance Panda.

Average Auto Insurance Prices in Georgia

For many people, price is a major concern when it comes to choosing a vehicle policy. While it’s a legitimate consideration, don’t let it be your only guiding factor. Just because you find the cheapest policy doesn’t necessarily mean that it’s the best. Sometimes, cheap policies offer the least protection. On the other hand, just because a policy is expensive doesn’t mean that it’s the best either. It pays to shop around for vehicle insurance and our quote comparison tool makes it easy to find an affordable policy that meets your needs.

Understand that quotes will vary based on your personal history and facts. Things like your driving record and make and model of your car will have an influence on how inexpensive your premiums are. If you have a driving history riddled with speeding tickets, your premiums will be higher because the insurance company views you as a potential risk. Shop around for low premiums and don’t forget to ask your insurance agent about possible discounts!

Current average annual auto insurance premiums in the United States: $1666.62

Current average annual auto insurance premiums in George: $1670.00

Most Expensive Georgia Insurance Rates

1. Atlanta (30310): $2048

2. Atlanta (30316): $2039

3. Atlanta (30315): $2029

4. Atlanta (30314): $2001

Least Expensive Georgia Insurance Rates

1. Valdosta (31698): $1345

2. Hahira (31632): $1345

3. Valdosta (31601): $1345

4. Valdosta (31602): $145

Georgia Minimum Auto Insurance Requirements

Georgia sets a minimum limit for auto insurance, but it’s important to ask your insurance agent which coverage limits are appropriate for you. While the maximum limit will vary per person, it’s almost certain that everyone needs more than the minimum. Setting your coverage limits depends on the value of your car. Some cars that don’t have much value shouldn’t purchase comprehensive because you’ll end up paying more for insurance than the car is worth.

On the other hand, if you have a brand new and a lot of personal assets, high coverage limits, particularly liability coverage is very important. Liability insurance can help if you caused an accident and the injured makes a claim against you or takes you to court. In some cases, an umbrella liability policy will be necessary. Your insurance agent can help guide you through the process of choosing the right coverage for your needs.

  • Bodily Injury Liability per person: $25,000
  • Bodily Injury Liability per accident: $50,000
  • Property Damage Liability: $20,000
  • Uninsured/Underinsured Motorist Bodily Injury per person: $25,000
  • Uninsured/Underinsured Motorist Bodily Injury per accident: $50,000

The following amounts and policies are recommended.

  • Bodily Injury Liability per person: $100,000
  • Bodily Injury Liability per accident: $300,000
  • Property Damage Liability: $50,000
  • Uninsured/Underinsured Motorist Bodily Injury per person: $100,000
  • Uninsured/Underinsured Motorist Bodily Injury per accident: $300,000
  • Medical Expense Benefits: $5,000
  • Collision: $250 deductible
  • Comprehensive: $0 deductible

Penalties for Driving Without Insurance in Georgia

In Georgia, you must always carry proof of insurance. If you’re caught without the actual proof, you could face a citation, but if you’re caught actually driving without insurance, the penalties are worse. You could face suspension of your registration up to six month as well as pay a lapse fee and reinstatement fee. If you’re caught behind the wheel before you pay your fees, reinstate your registration, and obtain insurance, you face a misdemeanor charge.

The legal consequences of not having insurance are severe, but the consequences of an uninsured accident are worse. Don’t make the mistake of getting behind the wheel uninsured. Purchase Georgia vehicle insurance.

How to Get Auto Insurance in Georgia

Many people are under the impression that finding car insurance is a difficult process. That may have been the situation in the past, but today, you have many options for finding car insurance. It’s just about using a reliable system. When you use our quote comparison tool, you’re automatically provided competitive quotes from local insurance companies.

If you’re ready to get reliable Georgia vehicle insurance quotes, just enter some basic information into our website and you’ll have car insurance in no time.

Additional Georgia Auto Insurance Resources

The information above is for reference material only and Insurance Panda cannot legally be held responsible for anything written above. For official information, visit these websites:

Georgia Department of Driver Services

Georgia Office of Insurance

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