Car Insurance in Georgia

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TABLE OF CONTENTS
  • How Much is Car Insurance in Georgia?
  • Real Quotes for Jerry.ai Customers in Georgia
  • The Cheapest Car Insurance in Georgia
  • Most Popular Insurance Companies in Georgia
  • Cost to Insure Different Cars in Georgia
  • Car Insurance Laws in Georgia
  • Car Registration Information in Georgia

Looking for car insurance in Georgia? Here you’ll find all the information you need on driving a car in The Peach State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Atlanta or Columbus, Augusta or Macon — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Georgia car insurance.

How Much is Car Insurance in Georgia?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Georgia, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Georgia pay $3,500.44 each year for car insurance. This means drivers in Georgia pay 19% above the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in Georgia? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Georgia, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Georgia

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2020-12-17
  • Hummer H2
  • Nissan Rogue Select
  • Nissan Sentra S
55 year old femaleProgressive$156.17$378.83Basic
2020-12-28
  • Ford Focus Se
27 year old maleMercury$110.92$60.08Basic
2021-01-15
  • Honda Cr-v Touring
40 year old femaleProgressive$71.17$53.83Standard
2021-02-24
  • Honda Civic Dx
  • Toyota Prius
  • Toyota Corolla L
47 year old femaleProgressive$265.67$234.33Preferred
2021-02-19
  • Honda Accord Lx
27 year old femaleProgressive$85.67$55.33Preferred

The Cheapest Car Insurance in Georgia

Which companies offer cheap car insurance in Georgia? Below, we’ve ranked Georgia car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in Georgia for Basic Coverage

There’s all kinds of auto insurance you can get in Georgia, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Georgia. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Georgia, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Georgia

Filters
RankCompany nameAvg. Annual Premium
1Kemper$1,057.92
2Progressive$1,155.94
3Amica$1,216.33
4Travelers$1,219.69
5Gainsco$1,257.48
6Mercury$1,363.41
7Safeco$1,376.62

Real Jerry Quotes for Basic Coverage in Georgia

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-11-21
  • Honda Civic Ex
24 year old maleProgressive$57$89
2020-12-29
  • Honda Cr-v Exl
26 year old femaleProgressive$90.67$149.33
2020-12-11
  • Hyundai Tiburon Gs
26 year old maleProgressive$67.83$182.17
2020-12-09
  • Kia K5 Gt Line
  • Nissan Titan Sv
  • Nissan Pathfinder S
48 year old maleProgressive$155.50$321.50
2020-11-22
  • Volkswagen Passat Se
26 year old maleMercury$98$148

Average Cheapest Car Insurance for Standard Plans in Georgia

Most drivers will want more than the basic minimum coverage that Georgia requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Georgia, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Georgia

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,799.46
2Kemper$2,020.91
3Nationwide$2,144.69
4Infinity$2,177.30
5Mercury$2,306.34
6Travelers$2,353.48
7Safeco$2,433.85

Real Jerry Quotes for Standard Coverage in Georgia

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-22
  • Jeep Cherokee Latitude
45 year old femaleTravelers$152.17$25.83
2020-12-10
  • Volkswagen Tiguan S
35 year old femaleInfinity$156.33$16.67
2020-12-25
  • Mercury Villager
41 year old femaleMercury$81.42$49.58
2020-11-25
  • Chrysler Pacifica Lx
32 year old femaleNationwide$75.24$14.76
2021-01-02
  • Dodge Challenger Sxt
  • Chevrolet Equinox Lt
  • Chevrolet Trax Ls
42 year old maleSafeco$378.48$153.53

Cheapest Car Insurance in Georgia for Preferred Coverage

Preferred coverage protects Georgia drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Georgia, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Georgia

Filters
RankCompany nameAvg. Annual Premium
1Progressive$2,175.89
2Nationwide$2,364.90
3Kemper$2,390.34
4Mercury$2,575.65
5Travelers$2,653.53
6Infinity$2,687.73
7Gainsco$2,714.85

Real Jerry Quotes for Preferred Coverage in Georgia

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-03
  • Kia Niro Fe
50 year old maleProgressive$62.17$54.83
2021-01-03
  • Toyota Camry Le
64 year old femaleProgressive$137.17$54.83
2020-11-28
  • Chrysler Town & Country Touring
43 year old maleTravelers$121.33$12.67
2021-01-20
  • Ford Expedition Xlt
38 year old maleKemper$193.08$46.92
2020-11-24
  • Honda Accord Lx
48 year old maleMercury$172.83$227.17
Insurance companyAverage annual premium in Georgia
Progressive$1,991.04
Infinity$2,003.36
Bristol West$2,821.63
Gainsco$1,766.02
Mercury$2,331.63
Travelers$2,912.64
Nationwide$2,458.85
Safeco$3,378.87
Kemper$1,479.27
Ready Insurance$966

Cost to Insure Different Cars in Georgia

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Georgia drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Georgia. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2020-12-15
  • Volkswagen Passat Se
26 year old maleProgressive$66.33$33.67Basic
2021-01-04
  • Honda Civic Lx
53 year old maleProgressive$100.17$109.83Standard
2021-01-31
  • Nissan Altima S
33 year old maleProgressive$118.83$263.17Preferred
2021-02-07
  • Ram 1500 St
29 year old femaleProgressive$58.33$160.67Basic
2021-02-15
  • Chevrolet Cruze Ls
43 year old maleMercury$83.17$36.83Basic
2020-12-28
  • Nissan Frontier Sv
23 year old maleProgressive$50.67$256.33Basic
2020-12-24
  • Mercedes-Benz Gla 250 4matic
54 year old maleProgressive$84.83$230.17Standard

Car Insurance Laws in Georgia

If you live in or have ever been to Atlanta, Georgia, then you know how bad traffic can be. The city, which is the state capitol, is not the only place in the state that experiences a high volume of traffic each year. One of the nation’s busiest thoroughfares, Interstate 75, runs through the state as well.

In fact, the increased traffic from this roadway has led to thousands of car accidents in the state each year. To help combat the high cost associated with these accidents on Interstate 75 and elsewhere, Georgia law requires drivers to have a minimum amount of liability insurance.

Here’s what you need to know about the minimum amount of insurance required by Georgia.

What Car Insurance Is Required in Georgia?

If you live in Georgia and want to drive a motor vehicle on public roads and highways, then you must carry a minimum amount of auto insurance coverage. Furthermore, drivers have to be able to show that their vehicle is properly insured if they have an accident or are pulled over by law enforcement.

As an at-fault state, Georgia puts the burden for paying for an accident on the insurance company of the driver who is at fault in an accident. This means that they require drivers to carry a minimum amount of liability insurance in the form of Bodily Injury Liability (BIL) and Property Damage Liability (PDL) coverage.

BIL coverage should pay for any injuries to the other drivers and passengers involved in a car accident that you are at fault for. In addition to paying for medical expenses related to a wreck, BIL also pays for the other party’s lost wages, legal fees if the other party takes the at-fault driver to court, and even for pain and suffering stemming from the accident.

PDL, on the other hand, pays for all physical damage done to property, including the other cars involved in an accident that you caused, as well as objects and structures damaged during the accident. If you are the at-fault driver, then you will have to rely on your own Collision Insurance coverage to pay for any damages to your vehicle.

In addition to the required liability insurance, drivers can also elect to purchase Personal Injury Protection (PIP) separately. The driver’s PIP insurance should cover their medical bills if they are hurt in an accident, even if the accident is their fault.

Another type of insurance that drivers in Georgia should consider getting, even though they are not required to, is uninsured motorist coverage. Uninsured motorist insurance is designed to pay for any medical bills or property damage if the at-fault driver is not properly insured.

Can You Drive a Car Without Insurance in Georgia?

Failure to have the proper amount of liability insurance in the state of Georgia can carry a variety of penalties, including monetary fines, time in jail, and suspension of your driver’s license and vehicle registration.

You will also need to file for an SR-22 certificate if your license is suspended in Georgia due to driving without insurance. And, you must keep it on file for three years. An SR-22 certificate lets the state know you are carrying the required amount of insurance. It also places you in a higher-risk category, meaning you will pay more for car insurance while you have an SR-22 on file.

For the first offense for not having insurance, you will have to pay a $25 lapse fee in addition to a $60 reinstatement fee. In addition, your driver’s license and vehicle registration will be suspended for 60 days. Finally, you could end up in jail for up to one year, depending on the circumstances.

For a second offense, within five years of the first offense, the fines remain the same but you will lose your license and registration for 90 days. You can also spend up to 12 months in jail. With a third, or subsequent, offense that happens within five years of the previous offense, the lapse fee stays the same but the reinstatement fee goes up to $160. Plus, you will lose your license and registration for six months. You could also spend up to one year in jail.

What Are the Minimum Car Insurance Requirements in Georgia?

Georgia expects motor vehicle operators licensed to drive in the state to carry the required amount of insurance. This helps protect other drivers if they are in an accident that you cause. It also helps pay for any property damage that occurred during the accident.

Minimum Insurance Requirements in Georgia

  • Bodily injury/per person/per accident: $25,000
  • Bodily injury/per accident: $50,000
  • Property damage liability: $25,000

Car Registration Information in Georgia

In addition to buying the required amount of insurance, drivers in Georgia must also make sure that their vehicle is properly registered in the state. Georgia residents have seven days to register a vehicle that they have bought. New residents have 30 days starting from the day that they move to the state to register their vehicle. When buying a car from a dealer, residents of Georgia have 30 days to register it, though most dealerships take care of this step for their customers.

There are a few ways to register a vehicle in Georgia, including in person at a Georgia County Tag Office location, through the mail, or online. You can also use a self-service kiosk if you live in a county that has them.

The cost to register your vehicle and receive a license plate in Georgia is $20 for the initial registration fee and then $20 each year after. When you receive your license plate, it will also have a decal on it with the month and year that the license plate needs to be renewed. Each year after renewing your registration, you will receive a new decal for the next year. Vehicles in Georgia only require a rear license plate.

In addition to payment and the paperwork that you need to fill out, you will need the following documentation when registering your vehicle in Georgia.

  • Georgia driver’s license
  • Vehicle registration; you can find the Vehicle Identification Number (VIN) here
  • Proof of car insurance
  • Current license plate (if replacing it)
  • Certificate of title (if you own the vehicle)
  • Completed vehicle emissions inspection
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