Claire Smith Last Updated On: July 25, 2023

Read This Before Shopping for Georgia Auto Insurance

The Empire State of the South is home to many things, including delicious peaches, natural wonders, and a rich history. It’s a great state to call home, which for many means settling in and getting car insurance. 

But while you’ll certainly have your pick of cheap car insurance in Georgia, good coverage is important too. Keep reading for your guide to getting great auto insurance in GA, because we’ll cover everything from car insurance requirements to options, cost, discounts, and more. 

Happy saving.

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Table of Contents

The Cheapest Car Insurance in Georgia

The cheapest car insurance will always be minimum car insurance coverage, because it’s the bare minimum amount of car insurance you need to get behind the wheel. Without it, you could face heavy fines, a suspended license, and more if you are caught driving.

So, what is the minimum amount of car insurance required in Georgia? Liability is all that is required, in the following amounts: 

  • $25,000 of bodily injury liability per person and $50,000 per accident
  • $25,000 of property damage liability per accident 

This might seem like a lot of coverage, but it can get used up instantly in a serious accident and leave you on the hook for the balance. That’s why it’s strongly recommended to get more than the minimum amount of coverage if you can afford it. 

We’ll explore your options for more coverage next.

Georgia Auto Insurance Coverage Options

It’s never a bad idea to review your options for car insurance coverage. The good news is that you can pick and choose the coverage you want, building yourself a customized policy that gives you just the coverage you want and need. 

Here are some of the main options you can choose from:

  • Liability: This is required coverage in Georgia. It covers the medical bills of the other driver if you’re involved in an accident, plus property damage that you cause. It also gives you a legal defense if you’re sued over the accident. 
  • Collison: This covers you if you collide with another vehicle or a stationary object like a phone pole or a fence. Your vehicle is repaired or replaced up to your coverage limits. 
  • Comprehensive: This covers other damage to your vehicle, such as weather, theft, vandalism, or hitting an animal. Your vehicle is repaired or replaced up to your coverage limits. 
  • Uninsured/Underinsured Motorist: If you’re involved in an accident with someone who doesn’t have car insurance or doesn’t have enough to cover the damage, this helps fill in the gaps so you’re not stuck with the bill. 
  • Medical Payments (MedPay): If you’re involved in an accident, this helps cover the medical bills of you and your passengers. If you have good health insurance coverage, this might be unnecessary. 
  • Personal Injury Protection (PIP): Similarly to MedPay, this helps cover the medical costs of you and your passengers after an accident, but also other expenses related to the accident like lost wages and childcare. 
  • Gap: If your vehicle is leased or loaned and becomes totalled, this coverage helps you pay off any outstanding amount that insurance doesn’t cover. 
  • Rental Reimbursement: If your vehicle is being repaired, this covers the cost of a rental car for the duration of the repairs.
  • Roadside Assistance: If your vehicle breaks down, this covers a tow to a nearby repair shop and minor roadside fixes.
  • New Car Replacement: If your new car (less than two years old) becomes totalled, this covers a brand new car rather than reimbursement for the depreciated value. 

These are just some of the options available to you, but you can find even more here.

Full coverage refers to a policy that has liability, collision and comprehensive coverage, but you can build your policy based on what’s most important to you—as long as you’re satisfying Georgia’s minimum car insurance requirements.

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The Average Cost of Car Insurance in Georgia

Life’s a peach in the Peach State. Or, it is at least when it comes to the cost of car insurance. Here are the average costs of car insurance in Georgia to help you budget accordingly:

  • Full coverage averages $2,085 per year
  • Minimum coverage averages $639 per year

These amounts are slightly more than the national average, but still totally affordable, especially with our tips for saving on car insurance

Also, keep in mind that these averages aren’t necessarily what you’ll pay. Each insurance provider creates customized quotes for you based on their own formulas that use a combination of your personal details, including:

  • Your age and gender
  • Your driving history
  • Your vehicle make and model
  • Your insurance history
  • Your zip code
  • Your mileage and driving habits

As you can see, these can vary significantly from person to person, so no two car insurance quotes are the same. You can get a more accurate sense of what your costs will be by getting access to free quotes here

How to Find Low Cost Car Insurance in Georgia

No matter what the state averages are, it never hurts to save on car insurance costs. Car insurance is designed to protect you financially, but it doesn’t hurt to find the best possible rate you can without skimping on coverage.

Here are some of our top tips to save on car insurance in Georgia:

  • Get Multiple Quotes: Never settle for the first car insurance quote you get, or you could be leaving money on the table. Be sure to get at least three quotes from different insurers so that you can compare coverage and costs and find the best deal possible.
  • Take Advantage of Discounts: Discounts on car insurance are free money that you shouldn’t overlook. Most insurers offer some form of car insurance discounts, and some more than others. Be sure to ask for any discounts you might be eligible for, and factor those in when comparing quotes. Common discounts include:
      • Review Your Coverage: Too many people let their auto insurance auto-renew each year, and that’s a mistake. Review your coverage annually to ensure you’re not still paying for coverage you no longer need, like a teen driver that’s away at college or gap insurance for a paid off vehicle. 
      • This is also a great time to get new car insurance quotes to make sure you’re still getting the best deal. 
      • Raise Your Deductible: Tread carefully with this one, but raising your deductible can lower your monthly/annual premiums. Keep in mind, your deductible should still be an amount you can afford to pay if you need to submit a claim. 
      • Maintain a Clean Driving Record: One of the best things you can do to keep your rates down is to avoid any tickets or accidents, both of which increase your car insurance premiums. You can’t do anything about past infractions, but they will eventually drop off your record and your rates will lower in time (as long as you don’t get any new blips on your record). 

Saving money on car insurance isn’t a pipe dream. These tips can save you anywhere from 5-30% on your car insurance in Georgia, and who would say no to that? After all, it leaves more in the budget for peach pie, and that’s a deal we just can’t turn down. 

Pro tip: no matter what stage you’re at in life, saving money is always a good thing. But understanding your finances as you approach or enter retirement is even more important. Find out more in our helpful and free retirement planning guide

How to Find Georgia Auto Insurance Quotes

Now comes the fun part: shopping for auto insurance quotes! If this part overwhelms you, don’t let it. Now that you know the type of coverage you’re looking for and how much you can expect to pay, it’s all gravy. 

Your first step is to get multiple quotes from different insurance providers. You can do that online or by reaching out to an insurance agent who can help walk you through your choices. Or, you can speed up the process by getting access to free quotes here

Once you have quotes in hand, review them for cost and coverage, while factoring in things like customer service, financial stability, reputation, and more into your decision. Major insurance providers are a household name for good reason, and often offer more stability than mom-and-pop shops. 

Once you’ve chosen your policy, all that’s left is to sign on the dotted line, pay your first premium to activate coverage, and then drive off into the sunset.

It’s that easy.

Affordable Auto Insurance in Georgia Is Within Reach

Buckle up, Georgians: it’s time to save on car insurance. But it’s not just the savings that’s a perk. A good car insurance policy gives you peace of mind while on the road, while protecting you financially should anything happen. 

Cost matters, but so does coverage. Get the best of both worlds by getting access to free quotes and more here

When it matters, we’ve got you covered.

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