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Georgia Auto Insurance Quotes
Georgia Car Insurance Requirements
Any individual who owns a registered vehicle in the state of
Georgia is required to have what is often referred to as 25/50/25
coverage. This means that all registered drivers in the state must at
least have the following coverage:
* A minimum of $25,000 in Bodily Injury Liability coverage per
* A minimum of $50,000 in Bodily Injury Liability coverage, to
cover bodily injury to two or more people in an accident.
* A minimum of $25,000 in Property Damage Liability coverage.
After an automobile accident in Georgia, steps are taken to
determine which driver was at fault. The driver who was at fault is
responsible for the damages caused by the accident.
Georgia does not have a no-fault car insurance system in
place. So it is generally recommended that Georgia drivers acquire
personal liability insurance above the minimums required by state law.
The Georgia Department of Driver Services is notified
immediately when a registered driver buys insurance, adds a vehicle to
their existing policy, deletes a vehicle from their existing policy, or
terminates their existing policy.
An individual who cannot prove to the Georgia Department of
Driver Services that they have Georgia auto insurance may have their
vehicle registration terminated. The owner of the vehicle will then
have to obtain car insurance, and pay fines to have their vehicle
registration reinstated. If an individual lets their insurance lapse
three times, they will have the registration of their vehicle suspended
for 6 months.
If an uninsured vehicle is involved in an automobile accident,
the vehicle will be impounded, and the owner will be subject to fines.
Car Insurance Companies Operating in the State Of Georgia
Georgia drivers with registered vehicles have many reputable
car insurance companies to choose from. In fact, most nationally known
car insurance companies offer insurance coverage to Georgia drivers.
The following ten auto insurance providers often rate highly in
* Access Insurance Company
* Allstate Insurance
* Bristol West Insurance Group
* Geico Direct
* GMAC Insurance
* Infinity Insurance
* Progressive Insurance
* Unitrin Specialty
* Western United Insurance
Typical Georgia Car Insurance Rates and Requirements
The average insurance premium in the United States is
$1,677.92. The average insurance premium in Georgia is a little lower
than that, at $1,593.45.
An individual's Georgia auto insurance ratings can be affected
by many things, including:
* The age of the driver. Many insurance companies consider
younger drivers to be more of a risk than older drivers.
* The gender of the driver. Male drivers are considered more
likely to get into accidents than female drivers.
* The driver's driving history. Things like speeding tickets
and past auto accidents can affect insurance rates.
* The driver's place of residence. Those living in high crime
areas, especially those where car theft is common, often pay more for
* The state the driver lives in. Those who live in states with
high auto theft rates tend to pay higher auto insurance rates than
those who don't.
* The type of car the driver drives. Those with expensive cars
tend to pay higher auto insurance rates.
* The driver's marital status. Insurance companies assume
those who are married and have children take fewer risks behind the
Other factors that can affect Georgia auto insurance ratings
include the driver's occupation and their credit history.
Finding Cheap Georgia Car Insurance
In order to ensure that they'll get the fairest rate for their
car insurance, it's important for an individual to obtain Georgia car
insurance quotes from as many different auto insurance companies as
possible. By comparing quotes from different companies, an individual
can compare and contrast to find the absolute best deal. They can
evaluate how much coverage they really need, and how much they should
be paying for that coverage.
There are many online resources that make it possible to
quickly and easily compare Georgia auto insurance quotes from different
auto insurance providers. This is one of the best ways to find cheap
Georgia auto insurance.
The auto insurance company that offers the cheapest rates
won't always be the company that best meets a buyer's needs. It's
important to study each auto insurance policy carefully, and choose the
one that offers the most benefits for the most reasonable price.
Obtaining good but affordable auto insurance can save hundreds
of dollars a year. And there are many ways to find affordable Georgia
* Look for Discounts. Many people never think to look for
discounts when shopping for car insurance, but it can be a great way to
save money. Some insurance companies will give a discount on car
insurance if an individual also buys another policy from them. Others
will give discounts depending on the buyer's driving record, or the
type of car they drive. When speaking to an insurance agent, request a
list of all available discounts.
* Raise the deductible. This will allow an individual to pay
less for insurance. However, they could end up paying more out of
pocket if they are ever involved in an automobile accident.
* Reduce coverage. Reducing coverage can help to save on auto
insurance. For example, if an accident leaves an individual without a
vehicle, some insurance policies will pay for them to rent a car.
However, if they can find other means of transportation, a rental might
be unnecessary. So they can save money by dropping rental car coverage
from their policy.
Georgia Insurance Regulator
In Georgia, insurance regulatory duties are handled by the
Office of Insurance and Safety. This agency is responsible for
licensing the insurance companies that operate in the state, making
sure they comply with Georgia Laws and Regulations.
Visit Georgia's Office of Insurance and Safety website here:
Drivers in Georgia
According to statistics, driving fatalities in Georgia were
lower in 2011 than they were in 2010. This is attributed to both public
awareness, and continued improvement of the state's roads and highways.
Here are some interesting facts about Georgia drivers:
* According to the FBI, 28,712 DUI arrests were made in
Georgia in 2010.
* According to statistics, there are approximately 5.9 million
licensed drivers in the state of Georgia.
* Georgia has a population of approximately 9 million people,
while there are about 8 million registered cars in the state. This
means there are almost as many registered vehicles in the state of
Georgia as there are people.
Seat Belt usage in Georgia
In Georgia, anyone riding in the front seat of a passenger
vehicle (which includes cars, vans, sport utility vehicles and pickup
trucks) is required to wear a seat safety belt. However, there are
Passengers making deliveries that require them to frequently
exit and re-enter a passenger vehicle don't have to wear seat belts if
the vehicle never exceeds 15 miles per hour.
And if a person has medical or physical issues that will make
wearing a seat belt harmful or painful to them, they might not have to
wear a seatbelt. The individual must possess either a written statement
from a physician, or an official certificate or license endorsement
from the appropriate agency.
Children under the age of 8 must use a passenger restraining
system appropriate for their weight and height that has been approved
by the US Department of Transportation.
Not wearing a safety belt when required can result in a fine.
Until recently, drivers and passengers in pickup trucks
weren't required to wear seat belts in the state of Georgia. But
Georgia Governor Sonny Perdue recently signed into law a bill requiring
seat belt usage in pickups.
Roads in Georgia
Georgia has several major roads and highways. Some of them
* Interstate 75
* The I-95 corridor
* Interstate 20
* Interstate 16
Road Conditions in Georgia
Since 2006, there has been a major effort to improve the
conditions of roads and highways throughout the state of Georgia. These
efforts are often partially credited for the state's decreasing rate of
The Georgia Department of Transportation keeps drivers
apprised of road conditions across the state.
Car Theft in Georgia
Auto theft is the most common crime in the United States. In
fact, a car is stolen every 30 seconds in the US.
According to the National Insurance Crime Bureau, Georgia has
one of the highest auto theft rates in the US. And Macon, Georgia was
on the 2010 list of the 20 worst cities for stolen cars.
Many auto insurance policies cover auto theft. However, most
will only cover the depreciated value of the vehicle. Rather than
receiving the full replacement cost for a stolen vehicle, the car owner
will receive the vehicle's depreciated cost.
Also, while some auto insurance policies will pay for an
individual to rent a vehicle if theirs has been stolen, some will not.
This is especially true if a policy offers minimal coverage.
Since Georgia has a high auto theft rate, residents tend to
pay more for auto insurance than those living in states with low auto
theft rates. Having a car known to be attractive to auto thieves can
also raise insurance rates.
Using anti-theft protection devices on a car can lower
insurance rates by as much as 30%.
Most Stolen Cars In Georgia
According to the Atlanta Journal Constitution, the cars stolen
most often in the state of Georgia in 2011 were: