Cheap Car Insurance in Georgia

Cheapest Car Insurance in Georgia for All Cars and Drivers

While Georgia may be known for many great things - peaches, pecans, and being the birthplace of Coca-Cola - it isn’t exactly known for the cheapest car insurance rates.

Because of this, it can be a challenge for drivers on a budget to find the right policy to fit their needs. With the current economy making finding lower prices on anything complicated, it’s more important than ever for drivers to shop around for Cheap Car Insurance in Georgia that gives their budget a little bit of a break.

In general, car insurance quotes in Georgia are slightly higher than the national average - but if you know where to look, you can find cheaper car insurance in Georgia that will give you the coverage you need at a price that won’t break the bank.

At Insurance Navy, we’ve dedicated our business to helping people like you get cheap car insurance in Georgia that meets state-required mandates and keeps you and your family safe on Georgia roadways.

Read on to learn everything you need to know when shopping around for the Cheapest Car Insurance in Georgia.

Enter your ZIP code below to view quotes for the cheapest Auto Insurance Rates.

Get Quotes

Car Insurance Requirements in Georgia

Car insurance is one of those inevitable things in life. If you want to drive a vehicle, you must purchase car insurance. In Georgia, just like in all states, drivers are legally required to carry a minimum level of coverage.

You must always carry proof of insurance coverage with you, so don’t let yourself get caught without your policy in hand. If you don’t, you could face hefty fines and fees.

Does purchasing insurance coverage sound expensive? It can be, but there are ways to save. For example, you’ll pay less than full coverage if you opt for a minimum coverage policy. However, this choice has its risks.

On average, Georgia drivers pay $716 per year for minimum coverage, the least amount of insurance coverage allowed to comply with the law.

What Are the Minimum Amounts of Car Insurance in Georgia That Every Driver Must Carry?

At a minimum, Georgia drivers must carry:

● Bodily injury: $25,000 per person

● Bodily injury: $50,000 per accident

● Property damage: $25,000 per accident

Optional Car Insurance in Georgia

Even when you’re on a tight budget, purchasing low cost, full, or comprehensive coverage for your vehicle may make sense. While it’s more expensive monthly or annually than “liability only” policies, paying more each month could save you considerable time if you’re in an accident.

And, if you are still paying on a loan for your vehicle, you may be required to maintain a comprehensive insurance plan until your loan is repaid.

Optional Types of Coverage Vary by Carrier and May Include:

• Full or comprehensive coverage
• Collision coverage
• Gap policies
• Medical coverage
• Roadside assistance service packages
• Rental car reimbursement
• Uninsured motorist coverage
• Underinsured motorist coverage
• And more

Enter your ZIP code below to view quotes for the cheapest Auto Insurance Rates.

Get Quotes

What Are the Penalties for Driving Without Insurance in GA?

Do you think paying for car insurance is expensive? Try driving without it and learn just how expensive things can be.

By law, drivers in Georgia are required to be insured and carry proof of their insurance at all times when operating their vehicles. Anyone caught driving without insurance or proof of insurance faces severe penalties including, but not limited to, suspension of their driver’s license, steep fines, and a “reinstatement fee” for driving as an “uninsured motorist.”

Penalties for Driving Without Insurance in Georgia

Georgia has taken a hard stance on anyone violating mandatory insurance coverage laws. Get caught without insurance or proof of insurance in Georgia, and penalties include:

• First-time offenders face a 60-day suspension of their driver’s license and registration, a $25 lapse fee, a $60 reinstatement fee, and up to one year in jail.
• Second-time offenders face a 90-day suspension of their driver’s license and registration, a $25 lapse fee, a $60 reinstatement fee, and up to one year in jail.
• Those who break the car insurance law three or more times face a six-month suspension of their driver’s license and registration, a $25 lapse fee, a $160 reinstatement fee, and up to one year in jail.

Cheapest Auto Insurance in Georgia for Minimum Coverage

It’s not exciting to shop for cheap car insurance in Georgia. But it can be when you find a great deal on the needed coverage!

When it comes to Cheap Auto Insurance in Georgia, your most affordable choice is going to be a liability-only policy. This way, you satisfy the legal requirement for affordable Georgia car insurance. However, you aren’t going to empty your wallet to do so.

How Much Does Car Insurance in GA Cost?

How much you’ll spend on car insurance in Georgia depends on a lot of different factors. Some of these include your driving record, your chosen insurance company, and any special insurance features you select.

Overall, though, data shows that Georgia drivers who opt for full coverage pay around $1,642 per year, or $137 per month, on average. In contrast, those who choose minimum coverage pay about $716 per year, or $60 per month, on average.

Enter your ZIP code below to view quotes for the cheapest Auto Insurance Rates.

Get Quotes

What Determines Your Georgia Auto Insurance Premiums?

A whole variety of factors go into calculating how much you pay for car insurance in Georgia. Some of those factors include:

• Your vehicle’s make and model
• Your driving habits
• Your age
• Your zip code
• Your marital status
• Your driving record
• And more

While insurance companies cannot discriminate based on gender, ethnicity, and credit score, some bias can be seen when evaluating insurance premiums on these elements.

How Age Impacts Your Georgia Auto Insurance Premiums

While there isn’t any specific rule, many auto insurers tend to agree that the older you are (within reason), the less likely you are to have an accident and pose a financial risk to the insurance company.

For example, based on data, a 30-year-old with a family is likely to be a more responsible driver than an 18-year-old newer driver. Additionally, younger drivers in Georgia have had less time to build up a good driving record and need more experience behind the wheel.

Because of this, premiums tend to decrease as you get older until you reach a certain age, where they increase again. Typically, premiums slowly decrease in cost at around 26 years old. They then begin to go up again once you reach 60.

Cheapest Car Insurance in GA for Younger Drivers

Data shows that younger teenage drivers pay more than twice as much in premiums as 30-year-old drivers in Georgia. In addition, teens in Georgia spend an average of $4,231 more than the national average for car insurance!

Every driver deserves a fair chance at finding Cheaper Car Insurance in Georgia. So, we work with various insurance providers to compare prices and find you the most affordable options to meet your needs.

How Location Impacts Your Georgia Car Insurance Premiums

Your state and zip code affect the rates you’ll pay for car insurance quotes. When determining rates, insurers lump together groups of drivers based on their location and then use data such as crime rates and the number of accidents per capita to approximate your level of risk.

For example, vehicle insurance costs are usually higher in highly populated cities (such as Atlanta) than in more rural areas.

Can You Get Cheap Auto Insurance in Georgia with an At-Fault Accident on Your Record?

Do you need to improve your driving record? Have you been found at fault for one or more vehicle accidents? If so, the Cheapest Car Insurance in Georgia is beyond your reach.

Although having a history of at-fault accidents can increase your premiums, it doesn’t mean you can’t still shop around for the lowest prices available to you.

On average, our data shows that insurance providers increase rates by as much as $755 annually for those with an at-fault accident on their record in Georgia.

Can You Get Cheap Auto Insurance in Georgia if You Have Bad Credit?

Millions of Americans — including tens of thousands of people in Georgia — have bad credit. With inflation rising and the cost of everyday essentials through the roof, many people have difficulty paying their bills.

But how does this affect your ability to qualify for cheap Georgia vehicle insurance?

Data shows a correlation between having bad credit and filing insurance claims, which leads many carriers to factor in things such as income and credit ratings for specific zip codes when pricing insurance. It may not be fair that this happens, but we don’t make the rules — we work hard to help connect you with the best rates.

For example, industry data shows that drivers in Georgia with poor credit often pay up to $1,431 more annually than those with excellent credit.

How Does Marital Status Impact Your Georgia Auto Insurance Premiums?

While you may not think about it, whether single or married, it can impact how much you pay for car insurance.

Insurance companies have found that statistically speaking, married individuals are less likely to get into car accidents. This leads married couples to pay lower rates, making their car insurance quotes cheaper than single individuals (with all other factors being equal).

How does the Type of Car You Drive Affect Your Georgia Auto Insurance Rates?

Your vehicle is one of the most significant factors for car insurance companies when calculating your premiums. For example, newer vehicles or luxury models are worth more than older, more basic models. Suppose these vehicles are damaged or totaled in an accident. In that case, they will cost the insurance company more to repair or replace, leading to higher insurance premiums.

Additionally, sports cars cost more to repair. They are at greater risk of being in accidents than, say, a family sedan. Insuring a sports car will be higher than the family sedan’s insurance rates.

How Much You Drive Plays a Role, Too

Just like the kind of vehicle you drive can impact your premiums, the amount you go can mean you pay more for insurance.

Drivers who put more than 20,000 miles per year on their odometers pay an average of 5% more per year than those who drive 7,500 or less. Similarly, drivers who only use their cars for short, in-town errands pay less than those who commute to work daily.

Fewer miles, less time on the road, and less time spent on “high-risk” roadways means you pose less financial risk to the insurance company. They pass this lower risk on in lower premiums.

How Does Your Driving Record Impact Your Chances of Getting the Cheapest Car Insurance in Georgia?

Having driving citations — including speeding tickets and vehicle accidents — increases your risk profile and, as a result, your insurance premiums. But how much do specific violations increase your premiums?

Georgia Auto Insurance Rate Increases by Violation (Averages):

• One comp claim: 1%
• Not-at-fault accident: 1%
• Two comp claims: 2%
• Driving without lights: 13%
• Failure to wear a seatbelt: 1%
• Child safety restraint violation: 14%
• Failure to show documents: 17%
• Driving with expired registration: 22%
• Driving too slowly: 25%
• Speeding in a school zone: 25%
• Texting while driving: 25%
• Passing a school bus: 31%
• Reckless driving: 73%
• Driving with a suspended license: 85%
• DUI: 87%
• Leaving the scene of an accident/hit and run: 92%

*Examples are averages and vary depending on a particular carrier. This list is not exhaustive and is meant to give a representative sample of common traffic violations.

What’s the Cheapest Car Insurance in Georgia After a DUI?

The state of Georgia has taken a hard stance against driving while under the influence, and so have car insurance providers. In addition to facing hefty fines and penalties, you can expect to pay more when shopping for Car insurance quotes in Georgia.

If you have a DUI on your record, you’re considered a “high-risk driver.” This means a cheap Georgia car insurance policy is out of reach. But shopping around can help you find the best rates available to you. However, don’t be surprised if some insurance companies charge 116% more for coverage after a DUI.

At Insurance Navy, we work with many insurance companies to help you find the best rate possible.

SR-22 Insurance in GA

After a DUI conviction, at-fault collision, driving with a suspended license, driving without insurance, or having too many “points” on your license, you may be required to carry a Georgia SR-22 Insurance policy.

While it’s sometimes called “insurance,” an SR-22 is more like a certificate or bond offered by the insurance company, assuring the state that you have a certain amount of coverage if you’re in an accident.

What’s the Cheapest Auto Insurance in Georgia for Drivers with Speeding Tickets?

While a common violation, speeding can hurt finding Affordable Car Insurance in Georgia. Depending on how much you were speeding, your rates could increase as much as 73% following a ticket.

But there is some hope. While you’ll have to pay a higher rate right now, your rates should go back down within 3 to 5 years after your ticket, provided you keep a clean record during that time.

Getting multiple quotes for the cheapest car insurance in Georgia can help you find the lowest price, and Insurance Navy can help.

Cheapest Car Insurance in Georgia for Safe Drivers

Just as bad drivers pay more, insurance companies usually reward those with good driving records with lower rates. The definition of a “good driver” varies from company to company. However, it typically involves having few or no blemishes on your driving record.

In addition to lower premiums, your driving record may qualify you for “safe driving” discounts, lower deductibles, and other perks!

Cheapest Car Insurance in Georgia by City

Your zip code dramatically impacts how much you can expect to pay for car insurance. While we don’t have data on every city in Georgia, we can give you some numbers that may help.

Currently, the Cheapest Auto Insurance rates in Georgia have been found for those who live in Auburn, GA, and the highest for those in Candler-McAfee, GA.

Average Georgia Auto Insurance Premium by City:

• Auburn: $1,476
• Augusta: $1,904 per year
• Columbus: $1,995 per year
• Macon: $2,063 per year
• Savannah: $2,067 per year
• Atlanta: $2,322 per year
• Candler-McAfee: $2,460

Car Insurance in Georgia Price Trends

The average vehicle insurance cost in Georgia decreased over the last year by $4. This means a typical driver in Georgia pays $1,535 per year in car insurance.

Overall, prices in Georgia are more volatile than across the country. After the most considerable one-year increase from 2011 to 2012, Georgia car insurance rates decreased from 2012 to 2013. In recent years, though, rates have stabilized.

Best Cities for Cheap Car Insurance in Georgia

While you aren’t likely to move cities to get a better car insurance rate, it can be helpful to know whether or not rates where you live are higher or lower than average.

In general, rural areas will almost always be cheaper than bigger cities.

The Best Cities for Cheap Car Insurance in GA

*The cheapest annual rates for car insurance in Georgia’s largest cities and towns.

Tips for How to Get Cheap Car Insurance in Georgia

Cheapest Car Insurance in Georgia Quote Comparisons

One of the best ways to get cheap car insurance in Georgia is to shop around. But it doesn’t have to be time-consuming!

At Insurance Navy, we work with a selection of the best insurance providers in the industry, getting you the best price and value across several carriers without you having to do any of the work. Submit one request for a price quote, and we’ll connect you with the best policies for your budget and needs.

Understand How Factors Impact Your Cheap Car Insurance Rates in Georgia

We’ve explored how various choices and circumstances impact your affordable auto insurance rates. While some can’t easily be changed (like getting married), you can use others to get better prices.

Choosing the Right Type of Coverage for your Car

At Insurance Navy, we take pride in helping you understand what types of low-cost policies are available and help you find the right affordable auto insurance policy for your needs. This way, you pay for exactly what you need and nothing more.

Don’t Let Your Insurance Policy Lapse on your Car

Don’t let your policy lapse even if you aren’t driving a lot. This can be a red flag for insurance providers at worst, but it also can break up a long history of good driving habits and drive up your prices.

Consider Uninsured Motorist Coverage

Research has shown that around 13% of all Georgia drivers don’t have insurance. While uninsured motorist protection won’t decrease your premiums, it will help you save if you’re in an accident.

Find Cheap Auto Insurance in Georgia with Insurance Navy!

Insurance Navy helps Georgia drivers get the affordable auto insurance policies the coverage they deserve with Instant proof of insurance. As an insurance broker, we connect Georgia drivers with many top insurance carriers, making quote comparisons and shopping around easy.

Find the perfect policy for your budget today, and get the coverage you deserve.

FAQs About Georgia Car Insurance

I am a Low-Income Driver. How do I get the cheapest car insurance in Georgia?

Carry only state-minimum liability coverage. Raise deductibles or drop comp/collision on older cars. Compare many quotes and stack discounts or usage-based programs. If denied, apply through the Georgia Automobile Insurance Plan (GAAIP).

Can I get car insurance in Georgia with bad credit?

Yes, you can. Georgia uses credit-based insurance scores. Rates vary a lot, so shop around and try telematics. Keep continuous coverage and work on your credit.

Can I get car insurance in GA with a DUI on my record?

Yes. You will pay more than other drivers. You may need an SR-22 (or SR-22A) to reinstate your license for up to 3 years. Get quotes from several high-risk insurers to find the best possible price.

Can an undocumented worker get auto insurance in GA?

Most insurers require a valid Georgia driver’s license. Undocumented residents usually can’t get one, so standard policies are hard to get. Some companies insure short-term visitors with a valid foreign license. Don’t drive without a license or required insurance.

Is car insurance required in Georgia?

Yes. Georgia requires continuous liability insurance on any registered vehicle. Minimum limits are 25/50/25. Losing coverage can result in fines and a registration suspension.