Auto Insurance In Georgia (GA)

Factors Affecting Auto Insurance Rates in Georgia

Known for its rich history and Southern hospitality, Georgia is an increasingly popular place to live and work. Between 1980 and 2003, the state saw an average annual population increase of 2 percent, resulting in more cars on the road and more accidents. Georgia also has the fifth-highest rate of collisions between cars and deer in the country. The state also recently enacted a law barring teenagers from driving during late-night hours. These factors will influence how much you pay for auto insurance as a driver residing in the state. However, your rate is also affected by many other factors, such as your driving record and what kind of car you own.

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How much auto insurance do I need in GA?

If you own a car in Georgia, you are legally required to have liability insurance. Georgia drivers must carry a minimum of $25,000 in bodily injury coverage per person and a minimum of $50,000 per accident. The required minimum amount of property damage liability is $25,000. However, you should keep in mind that these are minimums. Since costs for medical care, damage, and losses can easily surpass these amounts, most insurers recommend higher amounts of coverage, as well as carrying optional types of coverage to make sure your assets are protected in the case of an accident.

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What Car Insurance Discounts are Available in Georgia (GA)?

As a Georgia resident, you may be entitled to discounts on your car insurance rates if your driving record is free of accidents or take a state-authorized defensive-driving or driver-training course. Residents who regularly carpool and students with good grades may also receive discounts. It’s a good idea to talk with your insurance company to find out about other discounts you may be eligible to receive.

Some insurance companies that offer car insurance in Georgia are AIG, Allstate, Amica, Chubb, Comparison Market, Electric Insurance Company, Farmers, GMAC Insurance Online (National General), Horace Mann, Insurance.com, Mercury, MetLife Auto, NationWide, Permanent General, Prudential, Safeco, State Farm, The General, Travelers Insurance, and Utica.

More Information on Auto Insurance in Georgia

For more information on coverage requirements and other auto insurance-related questions, contact Georgia’s Department of Driver Services at:

PO Box 804457
Conyers, GA 30013.
www.dds.ga.gov

*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.