Auto Insurance Agents in Georgia

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Auto insurance agents in Georgia

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DriverAverage Annual PremiumAverage Monthly Premium
The Average Driver $1,638 $137
Drivers Buying Minimum Coverage$977 $81
Drivers with a Violation$5,022$418
Young Drivers$2,110$176
Drivers With Poor Credit$2,955$246
DiscountDescriptionPotential Savings
Good DriverAccording to Georgia state law, insurers must provide drivers aged 25 and older that have a spotless driving record and no at-fault accidents with a discount of at least 10%. To receive the discount, the driver is required to complete a defensive driving course.10% – 30%
Driver EducationState law mandates that insurance providers give older drivers who successfully complete an approved defensive driving course a discount. To qualify, drivers must be 50 years of age or older.5% – 10%
Billing and PaymentsYou can save money by paying for your policy in full, setting up automatic payments, making payments online, or going paperless.2% – 25%
Policy bundlingA discount can be obtained by insuring several vehicles or purchasing various policy types (such as home and auto insurance) from the same provider.1% – 12%
Anti-theft systemsComprehensive coverage can be made less expensive by adding car alarms, LoJack, steering wheel locks, or other anti-theft systems.5% – 25%
Safety featuresInsurance rates can be reduced for vehicles equipped with numerous airbags, anti-lock brakes, daytime running lights, and other safety features.2% – 30%
Continuously insuredDrivers who have had insurance for at least six months receive discounts. 5% – 25%

Frequently Asked Questions

  • How much does car insurance cost in Georgia?

    Georgia car insurance premiums are just over $3 higher than the national average. Your age, driving history, where you live, and other factors all influence how much your vehicle insurance will cost you.
    The average annual cost for car insurance in Georgia is $977 for minimum coverage and $2,009 for full coverage, which is comparatively higher than the national average.

  • How to get car insurance in Georgia?

    The simplest way to find the best car insurance at a reasonable price in Georgia is through a local insurance agent. Based on your price and coverage preferences, independent insurance agents can provide you with products from various insurance carriers on the market.

  • What is the cheapest car insurance in Georgia?

    Geico has the cheapest average annual rate for minimum coverage in Georgia, at $491 per year. USAA has the lowest rates in Georgia for full coverage, costing an average of $1,527 per year.

  • How much car insurance do I need in Georgia?

    Georgia law demands drivers to have the following minimum auto insurance coverages for their vehicle:

    Bodily injury liability: $25,000 per person and $50,000 per accident.

    Property damage liability: $25,000 per accident.

  • How much is car insurance for teens?

    Teens in Georgia pay $5,760 every year for car insurance, which is more than the national average of $4,231 and three times more than s the cost of a 30-year-old Georgia driver.

  • Can you get car insurance without a license in Georgia?

    Yes, even if you don’t have a driver’s license, you can buy insurance and register a car, but it’s not always simple. You will have to list yourself as an excluded driver on the policy, and some insurers may still refuse to sell you a policy.

  • Does car insurance cover theft in Georgia?

    You must have comprehensive insurance coverage from your insurance provider to pay for the expenses of your car in the event of theft. Besides collisions, nearly everything is covered by comprehensive car insurance, including theft and vandalism.

  • Does my car insurance cover rental cars in Georgia?

    A comprehensive and collision car insurance policy will provide the same level of protection for a rental car as it would for a personal car.

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