Auto Insurance in Georgia: Best Car Insurance Companies in Georgia

Have you been looking for auto insurance in Georgia? Autoinsurenceit is a reliable authority for auto insurance information. They ranked Georgia’s top car insurance companies based on price, customer satisfaction, and more so you can find the right coverage options and quotes. These ratings highlight potential savings of $1,292 when comparing auto insurance costs from these best companies in Georgia.

Auto Insurance in Georgia

Cheapest Minimum Liability Car Insurance Companies and Quotes in Georgia

In the state of Georgia, car liability insurance is mandatory for drivers. You may purchase a policy that only includes liability coverage (to meet official requirements), but this will cost less than purchasing a comprehensive or collision policy. In Georgia, the cheapest car insurance companies are:

  • USAA: $493 per year (Only military people can join this club.)
  • GEICO: $722 per year

MetLife’s rates are the highest when considering minimum coverage, with an average of $1,437 annually. Please note that these suggested costs are meant to be used as a comparative tool, but they may not accurately represent the actual cost for your needs. These rates indicate what an average Georgia driver might pay, but they should not be used to compare prices.

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Minimum coverage in Georgia covers bodily injury and property damage liability insurance. If you desire to protect your car against damages or want increased liability coverage, it is best to consider a full-package policy.

Cheapest Coverage Auto Insurance in Georgia

Finding affordable car insurance can be daunting, especially when you have specific needs. Autoinsurenceit ranks the most affordable companies in Georgia for comprehensive and collision coverage by comparing customer satisfaction ratings and average rates. It also highlights how much one could save with each company based on the quotes found on this site. The most affordable car insurance providers in Georgia are:

  • USAA: $931 per year (This group only includes people who have a military background.)
  • Nationwide: $1,372 per year

The most expensive company for full coverage is Progressive, with an average annual rate of $2,223.

Average Comprehensive And Collision Rates In Georgia

Please note that your personal costs will vary from these examples. These premium figures are for a plan that includes comprehensive and collision coverage and $100,000 of personal injury liability per person, $300,000 per accident, and $50,000 of property liability per accident. These auto insurance quotes are from the top auto insurance companies in Georgia.

The Best Car Insurance Companies in Georgia for 2021

AutoinsuranceIT says that the best car insurance companies in Georgia for most drivers are:

  • Best Overall: Auto-Owners
  • Runner-up: Auto-Owners

The most highly rated car insurance company in Georgia was USAA. However, it only services military members, veterans, and their families so is not the best option for those more broadly seeking a good fit. For people looking to find the top car insurance companies in Georgia, Autoinsurenceit was ranked according to coverage price, customer satisfaction, and other factors. The rankings are based on the factors of customer satisfaction, claims ability, and affordability, as well as financial strength ratings.

How to Compare Cheap Georgia Car Insurance Quotes Online

Leading insurance firms offer a hassle-free online quote tool that helps drivers in Georgia get accurate quotes for their insurance needs.

  • When comparing estimates, it’s important to use the same limits when reviewing all quotes. One quote might be $300,000 in bodily injury liability insurance per accident, while another has a limit of $250 per accident.
  • USAA, GEICO, and State Farm are three of Georgia’s cheapest liability car insurance companies. You can start by contacting these providers for quotes.

What Is the Average Cost of Auto Insurance in Georgia?

The cost of car insurance premiums varies depending on many factors, including age, location, and driving history. We’ve charted some average costs for a 40-year-old male with a clean driving record from the best 10 companies in Georgia. Your premium rates will differ based on your coverage level and other factors.

  • Average Driver: $1,638
  • DUI: $2,929
  • Speeding Ticket: $2,110
  • Poor Credit Score: $2,695
  • Seniors: $1,756
  • Students: $4,256

What You Need to Know

If you own a car, you must have liability insurance to drive on public roads or register your vehicle.

Proof of Insurance in Georgia

To be fully protected, you need two things: your insurance card and proof that the policy is active. Your insurance company must provide a card for each vehicle it insures; make sure yours are always on hand in case of an accident or traffic stop. You can also check online with Georgia Drives e-Service if there’s any confusion about what your current plan covers vehicles.

Minimum Liability Insurance Requirements in Georgia

Georgia’s minimum limits for liability insurance are:

  • Injury liability of $25,000 per person
  • Injury liability of $50,000 per accident
  • Property damage liability of $25,000

Mention that these are the minimums required by law. Experts recommend getting higher limits or more coverage to cover potential legal costs.

How Much Coverage Do You Need in Georgia?

Georgia state law mandates that anyone with a driver’s license must carry liability insurance, which only covers the other party’s expenses if you cause an accident. It does not cover your medical costs or damage to your vehicle. If you are paying for your vehicle with a loan, collision and comprehensive insurance are typically required to protect the lender from financial loss. On the other hand, if you owe nothing to your car or it is fairly old, these options can be waived without hassle.

You may want to consider uninsured motorist coverage to protect yourself from other drivers who skirt the law. “About 20 states require drivers to purchase uninsured motorist coverage,” says Michael Barry, Vice President of Media Relations at the Insurance Information Institute. “And it is a good idea for 1 in 7 U.S. Residents with an auto insurance policy not even though their state does not mandate this.” These people might be victimizing you and your property on accident-prone roads without protection as well!

Conclusion

If you’re tired of looking for the right coverage, it may be time to consider AutoInsuranceIt. They have a comprehensive list of auto insurance companies in Georgia with ratings based on price, customer satisfaction, and more so you can find the best options and quotes. These rankings highlight potential savings of up to $1,292 when comparing rates from Georgia’s top car insurance companies. With all that information at your fingertips, good luck finding the perfect company today!

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