Cheapest Car Insurance Rates in 2023
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Cheap SR 22 Auto Insurance in Georgia: Best Companies & SR22A Quotes
Personal Finance Expert
Tyron Jones is a finance expert who has operated within the auto insurance business for more than 10 years. He has written many other finance related articles for a number of prominent publications.
Best Car Insurance Companies in Georgia
- Georgia Farm Bureau
- State Farm
|Georgia Farm Bureau||State Farm||Geico||Safeco||Nationwide||Progressive|
|AM Best Financial Strength Rating||B++||A++||A++||A+||A++||A++|
|JD Power 2019 Overall Customer Satisfaction score||5/5||4/5||3/5||3/5||3/5||3/5|
|Avg Annual Premium||$512||$2,562||$784||$1,383||$1,821||$942|
|Consumer Reports Reader Score||N?A||78||78||N/A||N/A||75|
|BBB Rating||Not Rated||B+||A+||A||A+||A+|
Auto Insurance Statistics in Georgia
According to NAIC.org, the auto insurance premiums in Georgia have been fairly close to the national average. The data reflects that Georgia’s auto insurance premium rate is set to exceed the national average.
Top 10 Cheapest Car Insurance Companies in Georgia
|Rank||Company Name||Avg. Annual Premium|
|5||Georgia Farm Bureau||$1,438|
Drunk Driving Fatalities
When shopping for car insurance, it helps to be aware of the level of risk you take on while on the road. Drunk driving is a risk factor to consider when driving in the state of Georgia.The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Georgia vs. nationwide.
Drunk driving fatalities in Georgia from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Georgia has remained lower than the nationwide average. The legal drinking age is 21 years old, however, often teenagers drink and drive, breaking two laws simultaneously. It is important to speak to teens about the potential dangers of drinking and driving. The below statistics represent the percentage of Georgia drivers that are teenagers who are drinking and driving when compared with national averages.
Teen Drinking & Driving in Georgia vs. Nationwide (2017)
SR-22 Insurance in Georgia
SR-22 insurance is an insurance policy that is designated for drivers who have infractions on their records. Unfortunately, Georgia has some of the highest coverage requirements in the country, which means you might also have to pay a bit more than the average for your policy in Georgia. Coverage requirements include property damage coverage of $20,000, single injury coverage of $25,000 per person, and total injury coverage of at least $50,000 per accident.
As with any other type of insurance, it's critical to compare quotes for your SR-22 insurance policy. Because you have a flawed driving record, some insurance companies will charge you significantly higher premiums for this form of insurance — comparing rates is the best way to ensure you get a bargain.
Also, as coverage levels can often change, make sure to keep up to date with what is required by Georgia's DMV.
Car Theft in Georgia
Car theft in Georgia is something to consider when picking an automobile policy. With comprehensive auto insurance coverage, drivers can be protected in the event of car theft.
The below data shows how Georgia ranks against other states nationwide in the number of car thefts.
Vehicle thefts by rank nationwide vs. Georgia
Uninsured Motorists in Georgia
Driving on the public roads of Georgia mandates protection against damage caused by uninsured or underinsured motorists. Obtaining uninsured and underinsured motorist coverage will keep you from having to pay out of pocket in the event of an accident. The below data shows how well Georgia ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
The Best Insurance Companies for Cheap Rates
According to national statistics, Georgia residents have the best option to pay lower premiums for their car insurance by choosing specific companies. While it’s not true for all drivers in all situations, it’s true for many of the best auto insurance companies that offer the best prices and the best policies.
Each of these companies is rated highly with their insured customers, and they all have features they offer to help you lower your rates. Some allow you to lower your rates if you buy a new car with more safety features, if you’ve been a long-time customer, and if you have a safe driving record. Others take more into consideration, and they want to know if you are someone worth insuring for less.
Driving Record and Credit
Insurance companies in Georgia take a gamble on insuring you. Your job is to be a safe driver and avoid needing to use your insurance for any reason. One way for insurance companies to tell if you’re an ideal candidate for this is to check your credit and your driving record. Good credit indicates you’re a good candidate to pay your bills on time and stay out of trouble. Bad credit means you probably struggle financially and might be a risk.
Your driving record tells the insurance company how you drive. Numerous tickets and accidents you’ve caused make you look like the least likely candidate for a cheap auto insurance policy. Auto insurance companies check your driving record in the most recent months, but your entire driving record is considered when it comes to choosing a policy price.
Age, Sex, and Marital Status
Many people might consider this discrimination, but it’s not. Businesses are not permitted to discriminate against people who come to work for them, whom they serve, and who they do business with, but insurance companies have the right. It’s because certain drivers are less likely to cause accidents than others. Typically, married couples receive lower rates. Additionally, young women are less expensive to insure. Older men are less expensive to insure than older women, so it does balance out in the long run. You can’t change many of these factors, but you can use them to gather an idea of what it might cost to insure your car when the time is right.
You have the power to negotiate the cost of your insurance premium in Georgia. If you have an insurance company already and you’ve been with them for a long time, it’s worth calling to see if they’re willing to work with you to lower your rate. If you have never made a late payment, you don’t have any accidents, and you’ve never used your policy with them, you have no reason to assume they will deny you this opportunity.
You can compare rates with numerous companies around the state, too. Each one is willing to consider your business as promising, and this means they’re willing to work with you. Compare rates, find the best policy for the least price, and go with that one. You’re in charge of what you pay.
Auto insurance isn’t fun to pay, but it’s one of the most necessary expenses in your life if you own a vehicle. Georgia residents have many options, but it’s important you know how to utilize those options to make the most of what you’re paying for your vehicle’s insurance. You want the best policy, and sometimes it’s not going to be the cheapest plan.
Types of Auto Insurance Coverage in Georgia:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Requirements For Car Insurance in Georgia
There are minimum requirements for car insurance in the state of Georgia. According to the Georgia Office of Insurance and Safety Fire Commissioner, it is mandatory to have at least liability coverage for every registered driver in the state of Georgia.
Liability Coverage minimums for the state of Georgia:
$25,000 personal injury protection for each person
$25,000 for property damage coverage
$50,000 personal injury protection for multiple individuals in a car accident
Cheap Auto Insurance Discounts
Auto insurance discounts can help you to save on the price of insurance that you will have to pay each month. At CheapAutoInsurance.co, we want to help you get the cheapest auto insurance quotes online that are available. Below are some discounts you can ask your insurance provider about to help you save on the amount of your auto insurance premium.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
Getting an insurance in Georgia as well as concerning yourself with things related to it such as claims seem like busywork if you feel like you’re left in the dark in a lot of things. Through this FAQ, we hope to change that.
General Information on Georgia’s Auto Insurance
In this section, you will find basic information on auto insurance in this state.
How does Georgia auto insurance work?
How does insurance work in Georgia when you trade a car in?
What is the minimum auto insurance coverage in Georgia?
What auto insurance is required in Georgia?
What is considered full coverage auto insurance in Georgia?
How old do you have to be to get high risk auto insurance in Georgia?
Should my son have car insurance when having his license permit or license in Georgia?
Getting and Cancelling your Car Insurance
The process of beginning and ending your insurance is quite easy, but before you do, make sure you understand the consequences of doing so.
What does Georgia state law say on acquiring auto insurance when purchasing used car?
If I buy a car in Georgia, how long do I have before I need insurance?
How long do I have to transfer insurance to a new car in Georgia?
If you buy a car from someone in Georgia, how long do you have to get insurance?
What do I have to do to cancel my car insurance in Georgia?
What happens if I remove insurance from my car in Georgia?
I live in Georgia, can I add someone who has an out of state license to my car insurance?
How long can I suspend my car insurance in Georgia?
When do you change your auto insurance coverage during a divorce in Georgia?
What I need first when I buy a car Georgia, license plate or insurance?
Can I use my South Carolina insurance in Georgia?
Penalties and Lapses
Find out how penalties on not having an insurance will affect you.
What is the penalty for not having car insurance in Georgia?
What happens if you don't have car insurance in Georgia and are in an accident?
How long does a ticket stay on your car insurance Georgia?
What happens if I'm late on my car insurance payment on Georgia?
How do you get by without auto insurance in Georgia?
I am selling a car without registration and insurance, how can they test drive in Georgia?
How long is implied insurance on a new car Georgia?
Where to Get your Car Insurance
All the information given here are based on already existing reviews.
Where do you get high risk auto insurance Georgia?
What is the best auto insurance company in Georgia?
Who has the cheapest car insurance in Georgia?
How do I find the lowest car insurance rates in Georgia for a senior citizen?
What is the name of the car insurance for teachers in Georgia?
Auto Insurance Cost Issues
Here, you will learn more about the current state of the auto insurance market in the state as well as understand why rates rise and fall.
What is the annual cost of a basic car insurance at Georgia?
How much is car insurance per month in Georgia?
Why is Georgia car insurance so expensive?
How much is car insurance in Atlanta, Georgia?
Why is there a large auto insurance increase in Georgia?
At what age does car insurance premium go down in Georgia?
How old for car insurance discount in Georgia?
How much have Georgia car insurance rates gone up?
I am a Georgia driver, and I am tired of my car insurance rates rising every 4 months, what can I do?
How much will a 19 year old boy need to pay for down payment on car insurance in Georgia?
What is the annual cost for state minimum car insurance at Marietta, Georgia?
What is the annual cost of multiple car insurance at Georgia?
What does the average 28 year old male in Georgia pay for insurance car?
what price should I be paying for car insurance in Georgia zip code 30107 as someone aged 65 and has no accidents?
How do Florida auto insurance rates compare to Georgia?
How does Georgia rank with car insurance?
How can I keep my car insurance from going up every few months as a Georgia resident?
How do I save on Georgia car insurance?
Which has more expensive car insurance, Georgia or California?
How to calculate insurance on new motorcycle?
Other FAQ on Auto Insurance in Georgia
With everything covered already, this section will cover non information-based questions which do not necessary or directly help you with getting an insurance.