Car Insurance in Georgia: How to Find the Policy That Fits You
For all of your car insurance needs in Georgia, MoneyGeek provides analysis and solutions.
- I’m in Georgia and I’m looking to find either the cheapest car insurance, the best service and claims experience or a balance of quality and affordability.
- I’m looking to get a Georgia car insurance quote or estimate now.
- I want to learn more about how much car insurance is required in Georgia.
- I want to learn more about specialty insurance policies for those with low income, those who don’t own a car or those who only need car insurance temporarily.
Find the Best or Cheapest Car Insurance in Georgia
MoneyGeek analyzed thousands of quotes to find Georgia's cheapest auto insurance providers. Our unique scoring system can help you find the companies that offer the best balance of affordability and service. We calculated auto insurance premiums based on various parameters such as age, driving record and more.
However, if you're wondering why car insurance rates in Georgia are pricey, MoneyGeek investigated the reasons behind the higher price points.
The resources listed above analyze the cheapest and best car insurance options for certain types of drivers. If you're looking for the cheapest and best auto insurance in Georgia for various driver profiles, the table below will give you an idea of what you can anticipate. All the rates are for a full coverage policy unless otherwise stated.
- Minimum liability: GEICO
- Full coverage: Nationwide
- Drivers with a DUI: State Farm
- After an accident: USAA
- Drivers with a ticket: State Farm
- Drivers with bad credit: Nationwide
- Senior drivers: Country Financial
- Student drivers: Allstate
- Overall: State Farm
- Customer Service: ALFA
- On a Budget: GEICO
- Poor Driving Record: State Farm
- Military: USAA
- Young Drivers: GEICO
- New Cars: Allstate
- Low-Mileage Drivers: Nationwide
Get a Georgia Car Insurance Quote
Car insurance quotes in Georgia can differ by as much as $1,292 per year for the same driver across different companies. As a result, when shopping for car insurance, it is best to compare quotes from various insurers. This isn’t usually time-consuming and can help you save money.
Car Insurance Laws in Georgia
If you're looking for information about Georgia's auto insurance laws and requirements, MoneyGeek has you covered. All drivers are required by state law to carry the following liability insurance coverages:
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
- $25,000 in property damage per accident
If you have the state minimum coverage, it will only cover you up to the financial limits specified above. Note that Georgia's law only mandates the state minimum low liability limits and does not require you to have comprehensive and collision insurance. However, how much car insurance coverage you need may differ from the amount of coverage mandated by the state.
Drivers convicted of serious traffic offenses, such as a DUI, must file an SR-22 form to verify proof of insurance in Georgia. MoneyGeek detailed the insurance prices associated with an SR-22 in Georgia and provided instructions on how to submit the form to your insurer.
Specialty Car Insurance in Georgia
A standard auto insurance policy may not be enough for your unique situation. To help you obtain the right car insurance policy in Georgia, MoneyGeek looked into other options. Non-owner, temporary and low-income car insurance are among these. If you'd like to learn more, there are additional details below.
MoneyGeek Specialty Car Insurance Resources
Non-owner car insurance
In Georgia, non-owner car insurance is a good option for those who don’t own a car but need proof of insurance.
Temporary car insurance
If you rent cars or only drive cars temporarily, you can get temporary car insurance in Georgia by buying a policy and canceling it early or by purchasing rental car insurance.
Car insurance for low-income drivers
MoneyGeek recommends low-income car insurance options in Georgia for drivers to save money on their auto insurance despite the lack of state assistance programs.
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