The Empire State of the South is home to many things, including delicious peaches, natural wonders, and a rich history. It’s a great state to call home, which for many means settling in and getting car insurance.
But while you’ll certainly have your pick of cheap car insurance in Georgia, good coverage is important too. Keep reading for your guide to getting great auto insurance in GA, because we’ll cover everything from car insurance requirements to options, cost, discounts, and more.
Happy saving.
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The cheapest car insurance will always be minimum car insurance coverage, because it’s the bare minimum amount of car insurance you need to get behind the wheel. Without it, you could face heavy fines, a suspended license, and more if you are caught driving.
So, what is the minimum amount of car insurance required in Georgia? Liability is all that is required, in the following amounts:
This might seem like a lot of coverage, but it can get used up instantly in a serious accident and leave you on the hook for the balance. That’s why it’s strongly recommended to get more than the minimum amount of coverage if you can afford it.
We’ll explore your options for more coverage next.
It’s never a bad idea to review your options for car insurance coverage. The good news is that you can pick and choose the coverage you want, building yourself a customized policy that gives you just the coverage you want and need.
Here are some of the main options you can choose from:
These are just some of the options available to you, but you can find even more here.
Full coverage refers to a policy that has liability, collision and comprehensive coverage, but you can build your policy based on what’s most important to you—as long as you’re satisfying Georgia’s minimum car insurance requirements.
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Life’s a peach in the Peach State. Or, it is at least when it comes to the cost of car insurance. Here are the average costs of car insurance in Georgia to help you budget accordingly:
These amounts are slightly more than the national average, but still totally affordable, especially with our tips for saving on car insurance.
Also, keep in mind that these averages aren’t necessarily what you’ll pay. Each insurance provider creates customized quotes for you based on their own formulas that use a combination of your personal details, including:
As you can see, these can vary significantly from person to person, so no two car insurance quotes are the same. You can get a more accurate sense of what your costs will be by getting access to free quotes here.
No matter what the state averages are, it never hurts to save on car insurance costs. Car insurance is designed to protect you financially, but it doesn’t hurt to find the best possible rate you can without skimping on coverage.
Here are some of our top tips to save on car insurance in Georgia:
Saving money on car insurance isn’t a pipe dream. These tips can save you anywhere from 5-30% on your car insurance in Georgia, and who would say no to that? After all, it leaves more in the budget for peach pie, and that’s a deal we just can’t turn down.
Pro tip: no matter what stage you’re at in life, saving money is always a good thing. But understanding your finances as you approach or enter retirement is even more important. Find out more in our helpful and free retirement planning guide.
Now comes the fun part: shopping for auto insurance quotes! If this part overwhelms you, don’t let it. Now that you know the type of coverage you’re looking for and how much you can expect to pay, it’s all gravy.
Your first step is to get multiple quotes from different insurance providers. You can do that online or by reaching out to an insurance agent who can help walk you through your choices. Or, you can speed up the process by getting access to free quotes here.
Once you have quotes in hand, review them for cost and coverage, while factoring in things like customer service, financial stability, reputation, and more into your decision. Major insurance providers are a household name for good reason, and often offer more stability than mom-and-pop shops.
Once you’ve chosen your policy, all that’s left is to sign on the dotted line, pay your first premium to activate coverage, and then drive off into the sunset.
It’s that easy.
Buckle up, Georgians: it’s time to save on car insurance. But it’s not just the savings that’s a perk. A good car insurance policy gives you peace of mind while on the road, while protecting you financially should anything happen.
Cost matters, but so does coverage. Get the best of both worlds by getting access to free quotes and more here.
When it matters, we’ve got you covered.
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Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
