Auto Insurance Car Accident Protection in georgia

For Auto Insurance Car Accident Protection and benefits at low rates in all fifty states, or to find out about top schools, American culture, U.S. destinations, and more, visit any of the links shown below.

Or use this page to learn average annual premiums , score deep discounts, compare rates, and review car insurance laws in the state of Georgia.

This simple, step-by-step approach will help you choose the auto insurance premium package that works best for you.

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average auto insurance rates

Car insurance premiums in Georgia are affected by factors like climate, economy, percentage of uninsured vehicles, the rates of competitive insurance companies, and population density, among other things.

Annual premiums are further influenced by the age, gender, marital status, occupation, driving record and vehicle owned by the driver, among other things.

The Average Annual Insurance Premium for an auto owned in the state of Georgia was about $1,668 this year. This figure is quite a bit above the overall national average of $1,365.

Minimum Liability Insurance Car Accident Coverage

The minimum required insurance coverage for each car driven in the state of Georgia is

$25,000 for Personal Injury Protection (PIP)
$50,000 in protection against each separate accident for injury to others
$25,000 for property damage.

Agents refer to these coverage amounts as 25/50/25.

Still, the minimum car insurance is often not enough to cover the cost of accidents. Often, part of the cost becomes the driver's responsibility.

Analysts at the Insurance Information Institute suggest at least 100/300 coverage per vehicle.

penalties for uninsured drivers

Driving without insurance in the state of Georgia results in fines, license suspension and reinstatement fees. Multiple offenders face stiffer penalties.

The state of Georgia has about a 12% rate of uninsured drivers. This means that roughly 1 in 8 vehicles on Georgia roads is uninsured.

insurance car accident

low cost georgia car insurance

Here are a few ways in which Georgia drivers can lower their annual car insurance premiums:

Georgia state law mandates a ten percent discount to drivers 25 years old or older with clean driving records for three years prior to applying for the discount.

Georgia drivers under 25 can get a ten percent discount by completing a classroom-based training program.

Georgia car insurance carriers also offer combinable discounts.

Defensive Driving Course discounts are for senior citizens who successfully complete a class.

Safe Vehicle discounts are for ownership of certain types of vehicles

Good Student discounts are for adults who are enrolled in school full time and excel academically.

Discounts are also offered for the installation of anti theft devices, for purchasing more than one insurance policy, and for insuring more than one vehicle, among other things.

auto insurance car accident quotes in georgia

According to this year's consumer reviews and comparison studies, the most popular auto insurance providers in the United States are Allstate, Geico, Auto Owners Insurance, The Hartford, State Farm and 21st Century.

The state of Georgia has dozens of auto insurance carriers to choose from. Chances are that each one has an agent near you.

Ask your local agents about ALL available discounts. Then simply compare quotes and choose the plan with the cheapest premium. That's all there is to it.