Cheap Car Insurance Quotes in Georgia
Get affordable auto insurance rates with A Plus Insurance. Compare multiple providers and find the best coverage for your needs in Georgia. Our experts help you save money while getting the protection you need.
Why Choose A Plus Insurance for Your Car Insurance in Georgia
Compare Multiple Providers Instantly
We work with top insurance companies across Georgia to bring you the most competitive rates for your auto insurance. Whether you’re looking for basic liability or comprehensive coverage, we’ll find you the best options.
Expert Guidance for Georgia Drivers
Our experienced agents understand Georgia’s specific insurance requirements and can help you navigate the complexities of SR22 insurance in Georgia if needed. We’ll ensure you meet all legal requirements while getting the most value for your money.
Save Money Without Sacrificing Coverage
Finding affordable car insurance in Georgia doesn’t mean you have to compromise on protection. We’ll help you identify discounts and tailor your policy to fit your budget while maintaining adequate coverage for your vehicle.
Georgia Car Insurance Requirements
Georgia law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal driving in the state.
Minimum Liability Coverage in Georgia
| Coverage Type | Minimum Requirement | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Medical expenses for one person in an accident you cause |
| Bodily Injury (per accident) | $50,000 | Total medical expenses for all people in an accident you cause |
| Property Damage | $25,000 | Damage to another person’s property in an accident you cause |
While these are the legal minimums, many drivers opt for higher limits and additional coverage types like collision, comprehensive, and uninsured motorist protection. Our agents can help you determine the right level of coverage for your specific situation.
Additional Coverage Options
Beyond the state minimums, consider adding:
- Collision Coverage: Pays for damage to your vehicle in an accident
- Comprehensive Coverage: Protects against theft, vandalism, and natural disasters
- Uninsured/Underinsured Motorist: Covers you if you’re hit by a driver with insufficient insurance
- Medical Payments: Helps with medical expenses regardless of fault
Georgia Car Insurance Cost Comparison
Understanding average insurance costs in Georgia can help you evaluate your current rates. The chart below shows typical annual premiums for different coverage levels.
These are average estimates. Your actual premium will depend on factors like your driving record, vehicle type, age, location in Georgia, and credit history. Compare insurance quotes to find your personalized rate.
Frequently Asked Questions About Car Insurance in Georgia
The cheapest car insurance in Georgia varies by driver. Factors like your driving history, age, vehicle type, and location all impact your premium. The best way to find affordable rates is to compare quotes from multiple providers. At A Plus Insurance, we work with various companies to help you find the most competitive rates for your specific situation.
There are several ways to potentially lower your car insurance costs in Georgia:
- Maintain a clean driving record
- Bundle your auto insurance with other policies like homeowners insurance
- Take advantage of discounts for safe driving, good students, or multiple vehicles
- Consider raising your deductible
- Drive a vehicle with good safety ratings
- Maintain good credit (where permitted by law)
An SR22 is not insurance itself but a certificate that proves you carry the state-required minimum liability insurance. You might need an SR22 in Georgia if you’ve been convicted of certain violations like DUI, driving without insurance, or multiple traffic offenses. We can help you find SR22 insurance providers that meet Georgia’s requirements.
Georgia does not legally require uninsured motorist coverage, but it’s highly recommended. Approximately 12% of Georgia drivers are uninsured, so this coverage can protect you if you’re in an accident with someone who doesn’t have insurance. Our agents can explain the benefits and help you decide if this coverage is right for you.
In Georgia, insurance companies are allowed to use credit-based insurance scores when determining premiums. Studies show a correlation between credit history and insurance risk. Maintaining good credit can help you secure lower rates. If you’re concerned about how your credit might affect your premium, speak with one of our agents about companies that may place less emphasis on credit scores.
If you’re in a car accident in Georgia:
- Check for injuries and call 911 if needed
- Move vehicles to a safe location if possible
- Exchange information with other drivers
- Document the scene with photos
- Contact your insurance provider as soon as possible
- File a police report if there are injuries or significant damage
Our claims specialists are available to guide you through the process and help you get back on the road quickly.
Beyond Auto Insurance: Other Coverage Options
While securing affordable car insurance is essential, consider these additional protection options:
Motorcycle & Recreational Vehicle Insurance
Protect your motorcycles, ATVs, boats, and other recreational vehicles with specialized coverage designed for these unique assets.
Business Insurance
If you use your vehicle for business purposes or need coverage for company vehicles, we offer commercial auto insurance solutions.
Recreational Vehicle Insurance
Specialized coverage for RVs, campers, and trailers that considers their unique usage patterns and value.
Our insurance experts can help you bundle multiple policies for additional savings while ensuring all your assets are properly protected.
Last Updated on by Jayleen Ridgeway