Car Insurance Companies In Georgia – Prices as of April 2023 show Country Financial provides the cheapest car insurance in Georgia with minimum coverage. Keep in mind that the cheapest policy for you depends on your background, driving history and coverage.
Country Financial offers the cheapest auto insurance in Georgia with minimum and full coverage. It’s also cheapest for speeding tickets, accidents and/or DUIs, young adults (ages 22-29), seniors, bad credit, and military personnel. Sports car owners will find the cheapest option for car owners insurance.
Car Insurance Companies In Georgia
A list of the best insurance companies in Georgia is the best place to find affordable and quality service.
Georgia Health Insurance
Why trust? Using data from the Georgia Department of Insurance and Quadrant Information Services, we found the cheapest car insurance rates in Georgia for a variety of drivers.
The analysis found that the following companies offer the most affordable car insurance in Georgia for minimum coverage:
In Georgia, auto insurance that meets the minimum requirements only covers Personal Injury Protection (PIP) and Property Damage Liability (PDL).
With a minimum coverage policy, you are only covered for injuries or damages caused to other people. You can further protect yourself with a comprehensive coverage policy that provides comprehensive and collision coverage. Comprehensive coverage also covers damage to your vehicle.
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Checked companies for the cheapest full auto insurance in Georgia and found these insurance companies to be the most affordable:
You may end up paying more for your auto insurance if you add comprehensive and collision coverage. Country Financial’s full coverage option costs $354 more than minimum coverage.
Full coverage car insurance gives you a high level of protection if you need to make a claim. If you buy a full coverage policy, your car will be covered for damage caused by road accidents such as collisions and off-road accidents such as theft, vandalism or flood.
Your car insurance rate will greatly affect how much you need. A sample full coverage policy includes liability protection up to the following limits:
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If you lower your liability limits, remove comprehensive and collision coverage, or increase your deductible, your insurance payments may decrease. However, you risk paying more out of pocket in the event of an accident.
Georgia auto insurance companies offer online quotes if you need them. You need to visit several websites to compare prices. The process may take up to 15 minutes and insurance companies may also request your personal information.
With our car insurance calculator, you can easily estimate your car insurance without having to provide personal information to multiple providers. Find out more by selecting your age, gender and driving record below.
The most affordable insurance companies on a parent policy for teen drivers in Georgia were found to be:-
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Progressive is the most expensive option for teenage females in Georgia at an average of $3,046 per year, while State Farm is the most expensive option for teenage males at $3,892 per year.
Because teen car insurance rates decrease with age, there is a significant difference in premiums between 16-year-old and 19-year-old drivers. Allstate ($1,448 per year) offers the lowest auto insurance rates in Georgia for 19-year-old male drivers.
Youth policies are on average cheaper when included in a family plan. A 16-year-old driver in Georgia pays $3,112 less to pursue a parent’s policy instead of an individual plan.
On average, car insurance rates for teenage males are significantly more expensive than teenage females. This rate difference is not as pronounced when drivers are 20 and older.
Average Cost Of Car Insurance For 25 Year Olds In 2023
Discounts are available for young drivers to help families save money on car insurance. You can get good student discounts (for those with good grades) and distance student discounts (for those who live far from home) from insurance companies like Auto-Owners Insurance, Allstate, and State Farm.
Analysis shows that the cheapest auto insurance companies in Georgia for young adults in their 20s are:
Car insurance costs for drivers in their 20s are generally higher than for drivers in their 25s to 40s. For example, Allstate insurance costs $34 more per year for a 20-year-old driver than for a 40-year-old driver.
Insuring an older driver is slightly cheaper than a middle-aged driver in Georgia. Buying full coverage through Country Financial costs about $86 less per year for seniors than it does for people in their 40s. However, car insurance rates generally increase after the age of 70.
Cheap Car Insurance In Georgia 2023
Car insurance discounts may be available to seniors with some insurance companies. Comparing quotes from multiple insurance companies can also help you find the best rates for your profile and individual needs.
Country Financial is the cheapest insurance company for Georgia drivers for tickets, drivers with accidents, or drivers with a DUI on their record.
Traffic violations often lead to higher rates. Regularly checking your driving record and taking state-approved courses can improve your profile and lower your insurance rates in the long run.
Being at fault for a car accident in Georgia can increase your annual premium by $611.
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Car insurance with Auto-Owners Insurance Co costs the most in Georgia if you have a low credit score, at approximately $2,350 per year.
Insurance companies calculate your rate based on your credit score. Auto insurance in Georgia costs about $726 more if you have a credit score below 580 compared to someone with a score of 750 or higher.
Auto insurance companies have found that drivers with bad credit are generally more likely to file claims. As a result some insurance companies will charge higher rates. Laws vary from state to state, but they are legal in Georgia.
You can gradually improve your credit score to get lower car insurance rates. You can save money by comparing rates from different insurance companies and taking advantage of bundle and multi-car discounts.
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Compared to a Toyota Camry, sports car insurance in Georgia is $235 more per year.
The Ford Mustang is used as a representative sports car, but your specific model may have a different price.
Insurance for sports cars, electric cars and luxury vehicles is generally more expensive depending on the state. However, the car model will not be affected much.
If you’re an active duty military member or veteran, Country Financial offers the cheapest car insurance in Georgia at $675 per year.
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Another cheapest option for veterans is car owners insurance. USAA is the third cheapest at $920 per year. The company offers special coverage benefits and discounts for military personnel. All states offer USAA, but only drivers with a military background are eligible.
The cheapest option for military members is country financing. However, it does not offer discounts to military personnel. Other discounts can save you money, including discounts for pooling, safe driving and defensive driving.
Car insurance costs can vary greatly between different parts of Georgia. Car insurance premiums may be higher in cities with high accident rates, car theft or high risk factors.
For example, Country Financial offers the lowest price for a full coverage policy in Athens-Clarke, Georgia at $859 per year; While in Atlanta, the same policy costs $1,174 – a $315 difference.
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Under Georgia law, all drivers are required to carry liability insurance for bodily injury and property damage. In most states, this coverage is required.
Under Georgia law, you only need bodily injury liability and property damage coverage in your policy. This type of policy is affordable but provides limited coverage if you are involved in an accident.
To ensure complete protection, it is recommended that you purchase as much liability coverage as you can handle. SR-22 insurance may also be required in Georgia if you have serious violations on your record, such as a DUI.
Recommends having liability limits of $100,000 per person, $300,000 per accident for bodily injury and $100,000 for property damage per accident. If you are involved in an accident, you will have adequate coverage.
Compare Georgia Car Insurance Rates [2023]
For a loaned car, you may need comprehensive and collision insurance. It covers damage to your car caused by collisions, off-road accidents, vandalism or theft.
A full cover policy may be ideal if you drive an expensive car, although this is not a legal requirement.
In case of bodily injury and property damage liability, drivers in Georgia must have minimum coverage. However, you can purchase comprehensive vehicle insurance to increase your liability limit.
Answers to frequently asked questions about the cost and quality of auto insurance in Georgia to help you make a more informed decision.
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Young adults, seniors, drivers with bad credit, military personnel, drivers with speeding tickets, traffic accidents or DUIs may opt for Country Financial, while sports car drivers should consider car owners insurance.
In Georgia, auto owners insurance offers the cheapest minimum coverage policies, which can be a good option if you’re on a tight budget.
If you are looking for affordability and quality service, the best insurance company in Georgia is Country Financial.
To help you find a reliable and accurate overview of auto insurance in Georgia, we’ve got expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributors.
Cheap Georgia Car Insurance
Mark Fitzpatrick is the senior director of content at the company
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