Car Insurance Quotes In Georgia - If you are one of Georgia's licensed drivers, you have a variety of auto insurance quotes. In Georgia, car insurance quotes are determined by various criteria such as your age, credit score, gender, marital status and zip code. Because auto insurance varies from year to year and business to business, it may be worth getting estimates from several providers.
You can save money or find a better match for your needs. The insurance editorial team examined Georgia's top insurance providers to see which are the best. Georgia drivers will want to get rates from these companies when looking for auto insurance quotes.
Car Insurance Quotes In Georgia
Price isn't the only consideration when it comes to auto insurance. Both customer satisfaction and company rating are essential factors. We also looked at each company's financial stability as well as its coverage options, discounts and availability. These are the car insurance companies that, according to our research, provide the best Georgia auto insurance quotes:
Auto Insurance Quote
As one of the most well-known insurance businesses, Allstate offers Georgia drivers competitively priced auto insurance and a variety of digital tools to make things easier, such as a mobile app and comprehensive company website. Allstate also offers a variety of discounts that can help you save money on your insurance. New car, safe driver and smart student discounts are also available.
When it comes to claims settlement, Allstate customers are generally satisfied with service. If you prefer to work with an insurance agent to manage your insurance needs, Allstate distributes its insurance through a network of local agents.
You may not be as familiar with auto-owners as you are with some of the car insurance companies on our list because it is not a nationwide insurance company. However, since these regional car insurance companies offer coverage in Georgia, you can request a car insurance quote.
Although Auto-Owners has a lower average overall coverage rate for Georgia drivers, the firm offers a wide range of discounts that can help you save more money. Making full and on-time payments, enrolling in paperless statements, having safety features in your vehicle, and getting a quote before your existing policy expires can all help you save money.
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State Farm has above average claims settlement. State Farm has the most affordable rates of all the companies on our list, and its customer service and policy offerings are highly regarded. Consumers can use the smartphone app to complete everything from filing a claim to getting roadside assistance.
State Farm offers several discounts that can help you save more money on your auto insurance. Being accident-free, being a competent driver, insuring multiple items with State Farm and certain car safety features can help you save money.
Check out our blogs to find top-rated airport parking, the best parking spots in your city, and affordable car washes near you. We've found the cheapest car insurance from Auto-Owners in Georgia, with an average liability coverage policy of at least $29 per month. But there's more to auto insurance than just price to consider.
Our research team used hundreds of lines of pricing data, policy options, industry ratings and customer reviews to find the best car insurance companies with the cheapest coverage in Georgia. State Farm took the top spot overall in our national study of the best car insurance companies, but there are several strong providers serving the Peach State worth considering. The cheapest rate and best provider for you depends on your driver profile and more.
Compare Car Insurance Rates Side By Side In 2023
Editor's Note: The pricing information below is based on data from approximately 168,000 Georgia insurance quotes in 420 zip codes that we pulled from the 2022 Q4 Quarterly Information Services Report.
Pricing information shown here may differ from other insurance pages, based on the 2022 Q2 data pool showing the same base profile but a smaller selection of zip codes.
We are committed to content integrity and transparency and will continue to update currently published articles with the latest data available to align across all insurance pages.
For most Georgia drivers, Auto-Owners Insurance, Country Financial, Georgia Farm Bureau and USAA offer cheap auto insurance rates.
Information On Georgia Auto Insurance
*While USAA Insurance offers the lowest average estimate for teen drivers, the company is only open to members of the military, veterans and select family members. The cheapest car insurance rates for auto-owner teenagers are available to anyone.
Based on our cost data and review metrics, we've listed the providers in Georgia that offer the best combination of affordable insurance rates and quality service in the table below. Auto-owners typically offer cheaper coverage, but State Farm earned the highest overall score of any provider in our study.
The cheapest auto coverage for Georgia drivers is a liability insurance policy that meets the state's minimum requirements. However, most experts recommend getting a "full coverage" policy that also includes injury and property coverage for you and your vehicle.
Although full coverage is significantly more expensive, it offers more financial protection. If you've leased your car or have an active loan on it, your lessor or lender may require it.
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The average rate for a minimum coverage policy in Georgia is estimated at $56 per month or $672 per year. Auto-Owner offers affordable minimum liability policies, with estimates starting at $29 per month or $348 per year.
In Georgia, full coverage auto insurance averages $135 per month or $1,617 per year. Once again, Auto-Owners offers a cheaper average estimate of $111 per month or $1,332 per year on full coverage insurance.
Your coverage rates may differ from those listed in the tables above. This is because car insurance companies base individual rates on various variables. Your age, driving record, location and more contribute to the cost of your car insurance premium.
Age is the most important factor in the cost of car insurance. Young drivers, and especially teen drivers, pay more for auto coverage than other age groups. In the chart below, you'll find average monthly rate estimates for Georgia drivers of different ages.
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Your driving history is an important factor in your premium. People with a clean driving record get access to cheaper car insurance rates. Any accidents or traffic violations such as speeding tickets can lead to higher premiums.
How much these points on your driving record affect your premiums varies by provider. Below you'll find a list of the top insurance companies in Georgia and their average rates for clean records and high-risk drivers.
A single speeding ticket can raise your premium significantly. For drivers in Georgia, Country Financial offers the cheapest car insurance at an average estimate of $71 per month or $852 per year for drivers with speeding tickets. Auto-Owner and the Georgia Farm Bureau also offer the most affordable rates for these drivers.
Drivers will also see higher rates if they are found at fault in a car accident. Country Financial offers the cheapest coverage for Georgia drivers in a recent accident, averaging $73 per month or $876 per year. Auto-Owners and the Georgia Farm Bureau typically offer the lowest cost coverage for drivers involved in accidents.
Cheapest Car Insurance In Georgia
A driving under the influence (DUI) violation can increase auto premiums. For Georgia drivers with a DUI on their record, Country Financial typically offers the lowest rates, averaging approximately $89 per month or $1,068 per year. State Farm and Auto-Owner also offer some of the more affordable premiums for these drivers.
The average cost of car insurance in Georgia is $673 per year for minimum coverage and $1,617 for full coverage. This is about 6% higher than the national average annual rates for minimum coverage and 7% cheaper for full coverage policies.
Where you live in Georgia can significantly affect your auto insurance premium. Potential risk factors such as population density, crime rates, and weather patterns vary among zip codes and, consequently, average rates as well. The table below shows the average minimum coverage rates for various cities in the Peach State.
Almost every state in the US requires drivers to have some form of auto coverage, including Georgia. Your auto policy must meet the state's car insurance requirements to be considered approved by the Georgia Department of Driver Services (DDS).
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Driving without car insurance or with an expired registration is considered a misdemeanor criminal offense in Georgia and can result in severe penalties. If caught, you could lose your driver's license, pay fines, or face jail time.
Georgia has relatively basic coverage requirements. State law dictates that your auto policy has the following types of coverage and coverage limits:
Again and again, many insurance companies recommend additional policies and coverage beyond what states require. Along with vehicle repairs and medical expenses
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