Get the lowest Georgia auto insurance rates and save hundreds or thousands of dollars every year. Shopping and comparing dozens of companies takes hours of work and frustration. Let the experts do the work for you, so you can quickly compare offers from carriers that want your business. Whether you are a high-risk driver and need a special policy, or a preferred-risk that qualifies for every discount, we can help. You can also view prices for your home, rental property, motorcycle, RV, Motor home, and many additional ancillary property and casualty products.
We find the cheapest offers in the Peach state so you can save as much as 60% off your premiums. Regardless if you live in Atlanta, Augusta, Savannah, Macon or any other city, we show you all of the best options. If you need comprehensive or just basic liability coverage, you will save money. We specialize in insuring drivers and vehicles of all ages. Seniors and persons that drive limited miles can receive a policy discount. Alarm and theft-deterrent systems, students with good grades, and excellent credit also helps lower premiums. Commercial policies are available to self-employed persons and small and large business owners. Flexible billing and more liberal underwriting guidelines are often available on commercial polices.
The Companies With The Lowest Rates
We should include a caveat. There are dozens of variables that determine a car insurance premium. A carrier could conceivably offer incredibly competitive rates in one county, and also be one of the highest-priced companies in a neighboring county. The point to be taken is that there are many other companies that aren't on this short list that should be considered. Regardless, shown below are several companies that consistently offer the most competitive pricing in most areas of the state:
State Farm, Geico, and USAA earned the highest available rating (A++) from A.M. Best Co.
What About Atlanta?
Rates in Atlanta are similar to most big cities. There will be pockets where prices are surprisingly low, and also some areas where it is very expensive. The calculations are based on the incidence of claims in that particular area coupled with your personal risk. The amount of highway driving (Interstates I75, I85 and I285) could impact what you pay. Of course, we will show you the best available choices. NOTES: As expected, the zip codes with the lowest incidence of theft will feature the most competitive pricing. Local vehicle labor costs, and severity of bodily injury claims also impact pricing.
Loganville, Lareceville, and Snellville are three specific areas that feature some of the highest prices. Located about 30 miles outside of Atlanta, these three communities may be hurt by the increased driving needed to get to work (assuming employment in or around the city). Nearby Riverdale (Clayton County) actually has higher rates than all three areas previously mentioned. And although Augusta, Savannah, and Columbus are larger cities, they don't have the traffic congestion that occurs in the Atlanta metro area. Road construction is also more prevalent in metropolitan areas.
Double trouble occurs if you are a high-risk driver in Atlanta. Then, our choices are more limited. High risk auto insurance rates can still be affordable, if there are no license suspensions or major violations. Often, even a multitude of speeding tickets will still result in premiums that are tolerable. We understand that low down-payments are often important, so we show you how to minimize the initial payment. Subsequent premiums can be billed monthly and late-payments can be made by credit card to avoid cancellation.
Like most major cities, Atlanta features several major professional sports teams, including the Braves, Falcons, Hawks, Dream, and Silverbacks. On any given night, one (or more) of these teams may be playing at home. And of course, local collegiate and high school games may be scheduled. From a traffic standpoint, more accidents tend to occur, so be careful if you're on the road as one of those games is ending. Atlanta zip codes with competitive rates include 31196, 31195, 31193, 31131, 31126, 31119, 31107, 31106, 30398, 30396, 30394, 30392, 30388, 30385, 30384, 30380, 30377, 30375, 30374, 30371, 30370, 30369, 30368, 30363, 30361, 30357, 30355, 30354, 30353, 30348, 30344, 30343, and 30342.
Note: Statewide, the stretches of highways with the highest incidence of fatalities are I-20 (Atlanta) at mile point 44, I-75 (Kennesaw) at mile point 157, Mike Padgett Highway (Atlanta) at mile point 52, I-85 (Atlanta) at Piedmont Avenue, and mile points 18.5 and 98.5, Lee St. SW (Atlanta) at mile point 158, Wesley Chapel Road (Decatur) at mile point 68, Martin Luther King Jr. Drive SW (Atlanta) at mile point 126.5, Houston Road (Macon) at mile point 40.5, Old National Highway (Atlanta) at mile point 312, and I-75 (Atlanta) at mile point 31.5.
Minimum Liability Limits
Georgia's minimum required liability limits are $25,000 per person, $50,000 per accident and an additional $25,000 of property damage protection. Although we encourage higher limits to be considered, it is not a legal requirement. Uninsured motorist (UM) protection will cover damage to your vehicle and injuries to yourself and passengers. However it is not required to be included in your policy. Based on the high percentage of vehicles that are uncovered, adding UM benefits should always be considered.
The Department of Insurance helps consumers by providing numerous services, including consumer complaints, carrier loss rations, market share of approved companies, legislative updates, and information on additional property and casualty products (home, life, disability, and health).
You also are not required to present your ID card to verify compliance. But if you are stopped by the police, the Georgia Electronic Compliance System will need to verify you have current coverage that meets the state mandated requirements. If your existing coverage has lapsed, it will likely show up electronically, and the police officer can take appropriate action. The GEICS (Georgia Electronic Insurance Compliance System) has been very effective identifying persons without proper coverage.
In May of 2019, a modernized system will be introduced. DRIVES (Driver Record and Integrated Vehicle Enterprise System) will combine drivers license, license plate, and title functions into a single central system and database. Management will be provided by the Office of Planning and Budget, a county tax commissioner, the Department of Administrative Services, and the Georgia Technology Authority. Several anticipated improvements include better fraud protection, improved customer-service, and modernized technology.
Although collision (damage to your vehicle) and comprehensive (fire, vandalism, theft etc...) coverage is also not a state requirement, if your car is financed or leased, you will need to include both benefits in your policy. Multiple deductible options are available from most carriers. Comprehensive deductibles often range from $0 to $2,000. Collision deductibles are typically $100 to $1,000. Deductibles on ultra-luxury vehicles are often $2,500 or higher. Most carriers no longer offer options below $200.
Lowering your comprehensive deductible will not significantly increase your premium. However, reducing the collision deductible will have a bigger impact. A big money-saver is raising your collision deductibles by $200, or as much as $500. However, if you don't own a clear title, you may not have as much flexibility from the finance or leasing company regarding deductible changes. Also, after multiple at-fault accidents, it's possible that the company underwriting may require you to increase the current deductible to $500 (or more).
Selecting the "best" deductible can be difficult, especially when it's nearly impossible to predict when and how often you will use it. However, we help research and compare the companies that may be the best fit for your personal needs. Each carrier has a special "sweet spot" deductible that gives you the best pricing. Of course, if damages are minor (under $300), often paying for the repairs yourself is the best recourse, as long as there are no liability concerns. If other vehicles or property are involved, generally, it's highly advisable to contact and file a claim with your insurer.
For example, a family of four drivers (and vehicles) will naturally pay a higher premium, especially if some, or all of the vehicles are fairly new. In this scenario, since the collision portion of the rate can be quite substantial, it's important to be aware of the carriers in your area of the state that offer the best prices, especially when you two or more vehicles have full coverage. Raising the deductible by just $250 might actually result in an overall savings of $250 or more. And assuming you won't have an at-fault accident every year, the deductible change puts more money in your pocket.
How Long Does A Quote Take?
We streamline the process, so once you have entered your zip code in the quote box, instantly, you will see a list of the companies that currently have the lowest rate. You can request your free online quote from each of the carriers. Typically, it will take less than five minutes. We know your time is valuable, so we simplify the process. You won't have to provide personal financial data, such as your social security number or checking/savings account information. Also, you can customize the quote, by selecting the deductibles and liability limits that work best within your budget. Each vehicle can have different deductibles, although the liability limits must be identical.
One of the most important tasks we do is rarely noticed. Prices actually change daily since there are hundreds of carriers that offer coverage. And typically, at least one company alters their prices or underwriting guidelines every week. By staying current and accurately monitoring these changes, we can ensure that our customers view the most competitive rates in their area. If "Company A" suddenly decreases their prices, you'll know about it! We also notify consumers of proposed rate changes, updates to state minimum liability requirements, and, availability of new insurers offering coverage in the state.
Which Vehicles Are The Cheapest To Insure In Georgia?
Although your age, driving record, credit history, and coverage amounts are the major determinants of your car insurance rates, the vehicle you own will also weigh heavily in pricing. We have listed below 10 vehicles that won't break your wallet, and are likely to be less expensive to cover than most other similar options. We could have listed 20-30 vehicles, but decided to focus on a smaller sampling.
Hyundai Tucson GLS
GMC Yukon SLT
No, you should not exclude other vehicles not on this list when you do your shopping. But it can serve as a guide that provides some affordable alternatives. Of course, these vehicles come in all shapes, and with many options. So there could be a variance in rates. "XL" and "STL" models may be more expensive. Four-wheel models also typically cost more, and may get lower gas mileage. The percentage of newer vehicle (less than three years old) ownership has been slowly increasing, since lease options have become much more attractive.
Teen Drivers In Ga.
The training and licensing of young drivers is taken very seriously, especially since auto accidents are the leading cause of death among 15-20 year-olds. "Joshua's Law" toughens the requirements of any 16 year-old that wants to get licensed. An approved drivers-ed course must be completed and 40 hours of supervised driving must also have occurred. At least six of those hours must be during evening hours.
A teen driving safety web page has been set up here by the Department of Transportation. It discusses what steps to take if an accident occurs and some basic driving tips. TADRA (Teenage And Adult Driver Responsibility Act) is explained, including the three-step education program. The reduction of high-risk driving situations, and increasing the experience of new drivers is discussed. TADRA violations can result in serious consequences, including the suspension of driving privileges. These resources are free to consumers and if utilized, can save hundreds of dollars in premiums.
If a Georgia driver under age 21 is convicted for any of the offenses listed below, a 6-month license suspension will result.
attempting to allude or flee a police officer
DUI conviction with blood alcohol level of .08 or above (first conviction)
Moving violation that accumulates four or more points
Leaving the scene of an accident (hit and run)
Four or more points from all violations for the last 12 months (drivers under age 18 only)
Tough Standards For Young Persons
Current Car Insurance Rates In Georgia
Shown below are the most recent prices for several different scenarios. Rates provided are monthly.
40-year-old male residing in Columbus that drives 12,000 miles per year and daily to work. Vehicle is a 2012 Toyota Camry 4D. Liability limits (including UM) are $25,000/$50,000/$25,000 with $500 and $1,000 comprehensive and collision deductibles. $2,000 of medical payments coverage is included, along with at-fault liability coverage.
$44 -- 21st Century
$63 -- Safe Auto
$66 -- National General
$71 -- Cincinnati
$72 -- Horace Mann
$76 -- USAA
$80 -- Safeco
$81 -- Hartford
$96 -- Geico
$104 -- Farmers
$108 -- State Auto
$112 -- Progressive
$114 -- Allstate
$116 -- Metropolitan Property And Casualty
$120 -- Grange
$132 -- Travelers
$135 -- Central Mutual
$135 -- Nationwide
$138 -- California Casualty
$142 -- Esurance
$150 -- State Farm
$239 -- Amica Mutual
65-year-old married retired couple (2 persons) residing in Savannah that drive about 5,000-7,500 miles per year. Vehicle is a 2012 Toyota Camry 4D. Liability limits (including UM) are $25,000/$50,000/$25,000 with $500 and $1,000 comprehensive and collision deductibles. $2,000 of medical payments coverage is included, along with at-fault liability coverage.
$45 -- 21st Century
$60 -- Safeco
$61 -- AIG
$63 -- American Family
$65 -- Hartford
$66 -- Garrison Property & Casualty
$68 -- USAA
$70 -- Geico
$72 -- Farmers
$73 -- Ameriprise
$73 -- Horace Mann
$73 -- State Auto
$74 -- National General
$78 -- Cincinnati
$79 -- Buckeye State Mutual
$79 -- Safe Auto
$87 -- Progressive
$93 -- Integon
$100 -- Metropolitan Property & Casualty
$103 -- Travelers
$104 -- Electric Insurance
$104 -- Pacific Indemnity
$105 -- Harleysville
$105 -- State Farm
$108 -- Allstate
$111 -- California Casualty
$120 -- Nationwide
$125 -- Teachers Insurance
$132 -- Grange
$142 -- Esurance
$153 -- Amica
An academic requirement is also now considered. Persons under age 18 must be in good school standing and regularly attending classes in private or public school. The standard state attendance requirement must be met. If any of these provisions are not met, a license will not be issued. Long-term, these academic requirements are expected to reduce the number of accidents, since good students generally are the best and safest drivers.
If a teenager drops out of school for 10 days before graduating, driving privileges will be suspended. Also, 10 or more days of unexcused absences in the current or previous year will also result in a suspension. Striking (or threatening a teacher), possession of a weapon on school premises and prohibited sexual offenses will also result in suspended driving privileges.
The Department of Education also receives reporting for students that are home-schooled. A "Declaration Of Intent To Utilize A Home Study Program" (HSPDOI) form is accepted to verify compliance in the program. A 30-digit ID number helps identify the student's attendance. The form is required to be submitted within 30 days of the program starting date. The Department of Driver Services may also require proof of attendance. A signature of the parent or guardian is required on the form.
Sale or possession of alcohol or drugs at a school function will be treated with a suspension. Fighting when physical harm (substantial) is considered an infraction that will result in loss of license. The message being sent is that you have to regularly attend classes and also behave. If you don't, you forfeit privileges.
How Do We Compare With Other States?
Typically, Georgia is one of the most expensive states to buy coverage. This is an important reason why our website is so valuable, since we find the few companies that will be affordable in your area. Remember, not everyone has to pay exceedingly high premiums. The large amount of snowfall in previous years caused an uptick in accidents and highway collisions. The Governor's Office of Highway Safety (GOHS) often publishes some helpful tips that can be used to help reduce your risk of an accident, especially in adverse weather. Often, if possible, it's best to avoid morning driving after a large snow, and allow the warmer weather and snow plows ample time to make roads more passible and safer.
High crime and theft rates, along with increased numbers of uninsured drivers are why the state is one of the 10 most expensive states. The other nine states with high premiums are Louisiana, Oklahoma, Michigan, Washington DC, California, West Virginia, Connecticut, Montana and Rhode Island. These results do change and fluctuate each year, although the variance is not substantial.
Some of the least expensive states are Ohio, North Carolina, Maine, Iowa, Vermont, Indiana, Washington, Idaho, Arizona, New Hampshire and Colorado. If you are looking for a pattern, there isn't one! Included in that list are warm-weather states, cold states, small and large states, and Eastern and Western states!
Everything you wanted to know about cheap car insurance rates in Georgia but were afraid to ask, has been discussed. Please utilize our free resources and quote engine. Your savings will vary, depending on the vehicles and drivers in your household.
A recent study by VP provided extensive research results on the areas of the state with the lowest prices. Cities with the most competitive prices include Athens, Albany, Valdosta, Hinesville, Brunswick, and Americus. The most expensive cities included Atlanta, Macon and East Point. For example, typical rates in Atlanta were about 40% higher than Valdosta (assuming similar drivers, vehicles and rating criteria.
State Farm covers about 20% of the vehicles in the state, and has requested a 6.6% price increase to be effective in October. Earlier this year, a rate hike of almost 9% was taken. Naturally, many State Farm customers are questioning the reasons for the double-whammy.
The cost of claims for all companies has recently spiked, which is largely responsible for the rate changes. Litigation expenses for damage and injury are very costly, and often the consumer's pocketbook is impacted. If there's a silver lining to be found, it appears that after October, State Farm may not be increasing premiums for a while.
Several legislative bills have been introduced that restrict the operations of law enforcement agencies. These include HB 56 (limitation of no-knock warrant), HB 69 (protecting data in vehicle black box), HP 74 (Limits local enforcement from helping federal agencies with terror suspects), HB 93 (destruction of license-plate readers records) and HB 112 (use of warrant that detects motion through walls). So far, reaction to the controversial bills is mixed.
It's not just other drivers you have to watch out for. A growing problem on State highways is now the increasing number of collisions with deer. In a recent study by the Federal Highway Administration (FHA), Georgia made the Top-20 list for deer collisions. Although your chances of this happening are still only about 1 in 130, the odds are getting better.
More than 50,000 claims were reported during a 12-month period between 2014 and 2015. However, it's also likely that another 50,000 incidents were never reported. Drivers should be more alert when crops and vegetation are close to highways, and there is little or no fencing in the area. And if traveling at a high rate of speed, swerving to avoid the collision may cause more serious damage.
Portions of the Atlanta area continue to have some of the highest car insurance rates in the state. In a recent premium review, the following zip codes had the highest prices: 30318, 30035, 30314, and 30088. However, utilization of available discounts can reduce the premium by as much as 45%.