image description
Your Information is 100% Secure

Cheap Car Insurance in Georgia

Looking for cheap car insurance in Georgia? You have come to the right place.’s goal is to provide you the lowest rates from top companies. You can compare rates and lock in your best combination of price and coverage.

Minimum Insurance Limits in Georgia

The law in Georgia requires Bodily Injury Liability limits of $25,000 per injured person in a vehicle and a total of up to $50,000 per accident. The Property Damage Liability coverage should be at least $25,000 to remain in accordance with the laws in Georgia. The law often refers to the mandatory limits as 25/50/25 coverage.

Georgia drivers can also purchase optional higher limits. This is advisable as the cost of auto repairs and medical bills and personal damages can be very costly in a serious injury accident. Georgia drives are not required to have uninsured motorist bodily injury coverage, but it is recommended.

Drivers without insurance can face serious penalties. The DMV may contact you and inform you of the consequences of your actions. The vehicle owner may be fined, their license may be suspended or they may suffer other consequences. Ensure that you remain in compliance with Georgia mandatory laws at all times to avoid fines and interrupted driving privileges.

Average Georgia Insurance Rates

The average Georgia driver pays $1,670 for auto insurance based on a 2011 study commissioned by This is a significant expense making it all the more imperative to find cheap car insurance in Georgia. This average amount is more than $100 above the national average.

What Affects Rates

Insurance rates are determined by the location of the vehicle, the driver’s history, how long the driver has been with the insurance company and the risk factor of accidents in the state. As the number of DUIs increase, the rates of Georgia insurance also increase. Also, a higher percentage of uninsured drivers can also drive up rates.

Georgia operates under a Tort system, which means that someone must be found at fault for any accident that is caused. Once fault is determined, that driver’s insurance will be responsible for any damages. Tort systems may vary from state to state so it is important to learn the differences in the laws in each state.

How to Save

A clean driving record will go a long way in decreasing the insurance rates of a Georgia driver. Also, looking for discounts and comparison-shopping is key to finding affordable insurance.

If you are in search of cheap car insurance in Georgia, simply enter your zip code to obtain an online quote on our website. The process is simple and easy. You could be saving hundreds off your current rates in just a few minutes!

Free Insurance Quotes

Copyright 2017 All Rights Reserved.