Car Insurance in Georgia

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Looking for Cheap Car Insurance in Georgia?

With so many cars and drivers on the road, Georgia's insurance rates are among the highest in the country. Thankfully, Georgia car insurance rates can be less expensive when you choose the right company for your needs. For example, Carlay offers high-quality insurance at low prices to customers in Georgia's major cities, including Marietta and Lawrenceville.

Residents of Atlanta and Jonesboro typically have some of the highest insurance rates in the region. This is partly because of heavy traffic, population density, and severe weather, which can raise your rates.

Providers consider several factors when setting your car insurance rate. Before offering you a quote, they will look at your age, driving record, and other information. That said, drivers can save money on car insurance by comparing quotes with Carlay. All drivers need to fill out a simple quote form or use their mobile app to get started.

Carlay provides quotes from over 50 top insurance providers to help you find the cheapest rates. So sign up, and save $879 per year on car insurance.

Don't believe us? Take it from these satisfied customers who switched with Carlay:

How Much Does Car Insurance Cost in Georgia?

If you live in Georgia, you can expect to pay $2,408 per year for liability-only car insurance. If you want to buy full coverage car insurance, count on spending an average of $3,072 yearly.

On the other hand, auto liability insurance costs $1,783 per year, and car full coverage costs $2,485 per year.

What contributes to the insurance rates in Georgia?

What factors affect Georgia's car insurance prices? Here are a few things to consider:

  • High population density

Georgia is one of America's most densely populated states, which means more competition between drivers for road space. This contributes to higher accident rates and therefore increased insurance costs.

  • Auto thefts

One of Georgia's biggest premium-generating culprits is auto theft. Georgia's high car theft rate is likely due to limited law enforcement resources and a thriving black market for used vehicles from neighboring states like Tennessee.

  • Extreme weather

Georgia's geographical location and climate contribute to high rates. Most of Georgia is located along a coast or border, making it susceptible to natural disasters like hurricanes, tropical storms, and tornadoes. That's why Georgia drivers are often required to purchase additional car insurance coverage for these weather-related events (known as Wind Coverage).

Here's a look at how insurance premiums in Georgia match up against national averages:

All Coverage Before Carlay All Coverage After Carlay Minimum Coverage Before Carlay Minimum Coverage After Carlay Full Coverage Before Carlay Full Coverage After Carlay
GA $2,651 $1,751 $2,368 $1,355 $3,157 $2,438
National Average $2,490 $1,672 $2,360 $1,391 $2,762 $1,964
GA National Average
All Coverage Before Carlay $2,651 $2,490
All Coverage After Carlay $1,751 $1,672
Minimum Coverage Before Carlay $2,368 $2,360
Minimum Coverage After Carlay $1,355 $1,391
Full Coverage Before Carlay $3,157 $2,762
Full Coverage After Carlay $2,438 $1,964

Top auto insurance providers in Georgia

While it might seem like your auto insurance rates are set, they depend on various factors, including who your insurer is and where you live. That's why comparing car insurance quotes—and shopping around between providers—is so important. With that said, top of Georgia's auto insurers are Geico, State Farm, and Progressive. All these companies have a reputation for customer service, keeping rates affordable.

However, if you look around some more, you might find exactly what you're looking for. Each insurer independently determines its rates, and the same coverage can be quoted at different prices by different providers. Your quotes will depend partly on your age, credit score, location, and other factors.

The type of vehicle you drive will affect your insurance premiums. For example, if you drive a Nissan Sentra, you may pay less to insure your car because of its low base price and cheaper parts. However, if you go a Lexus GS, you may pay more to insure your vehicle because of its high base price and more expensive repair costs.

Carlay will work with Georgia drivers to get the best deals on auto insurance—regardless of their demographics. Here are some of the most popular plans:

Insurance Company Average Cost Annual Savings with Carlay
State Auto $5,751 $4,587 Compare Prices
Allstate $3,316 $1,236 Compare Prices
Safeco $3,884 $1,235 Compare Prices
National General $3,616 $1,195 Compare Prices
Nationwide $3,260 $1,092 Compare Prices
Travelers $3,600 $981 Compare Prices
Kemper $3,416 $805 Compare Prices

What Car Insurance Do You Need in Georgia?

To drive in Georgia, you must have minimum liability insurance coverage. It includes the following:

Coverage Amount Description
Bodily injury liability $25,000 per person / $50,000 per accident Covers you in the event that you hurt someone else.
Property damage liability $25,000 per accident Covers your deductible in case you damage someone else's car or property.

If you drive without insurance, you could face penalties, including-

  • $25 in lapse fees and $60 reinstatement fee
  • Driver's license and vehicle suspension of 60 days
  • Up to 1 year in jail

When purchasing car insurance, be sure you carry the minimum state requirements. In most cases, this will cover other drivers and their cars if you cause an accident. However, your vehicle and assets are not protected. If your budget allows for it and you have extra income available, consider purchasing more than the state-mandated amount of insurance.

Coverage Description
Collision insurance Covers damages from being hit by another car or hit by a stationary object.
Comprehensive insurance Covers damages caused by vandalism, theft, or a natural disaster
Roadside assistance Covers the costs associated with a breakdown

Let Carlay get you the most affordable rates regardless of which coverage you choose. Then, all you do is sign up, and Carlay will handle the rest. First, you have to fill out a quick form, and Carlay will provide you with quotes from top-rated companies. Then, it will help you switch to your new plan through the government's marketplace. We'll even walk you through renewal—so that you don't ever have to worry about your coverage again.

Now that you know what types of insurance to buy, you should be aware of insurance in Georgia.

How is Your Cost of Car Insurance Determined in Georgia?

The cost of auto insurance is based on several factors: where you live (geographical location), your age and gender, where you work and go to school, what car you drive (make/model), credit history, and driving record.

What young drivers in Georgia need to know

  • Young drivers are generally considered high-risk drivers due to their lack of experience and the likelihood of their having accidents.
  • Taking a defensive driving course can help young drivers save money on their car insurance.
  • Good student discounts are another option for drivers under 25 who maintain a B average or higher.

Carlay helps young drivers in Georgia get the best rates by comparing rates from top providers. Young drivers can reduce their premiums by applying for discounts, shopping around, and maintaining a clean driving record. This is how average car insurance premiums for Georgia drivers stack up by age:

Age Group Average Cost Annual Savings with Carlay
18-20 $3,051 $987
21-24 $2,924 $1,008
25-34 $2,836 $989
35-44 $2,603 $920
45-54 $2,532 $896
55-64 $2,544 $870
65+ $2,576 $805
  • Cost to insure your car in Georgia with a poor driving record

The state of your driving record will also affect your car insurance rates. For example, if you've had an accident, received several traffic tickets, or been convicted of a DUI or other serious violation, you might pay more for Georgia car insurance rates.

Even if you have been involved in an accident or have a few tickets on your record, Carlay can help find you the best car insurance policy. These are some of the prices Carlay customers have saved:

Driving Violation Average Cost Annual Savings with Carlay
Clean Record $3,272 $1,063
Leaving scene of an Accident/Hit and Run $7,358 $2,738
Wrong Way/Wrong Lane $4,368 $1,685
Driving on Sus. License $4,005 $1,677
DUI $4,674 $1,664
Speeding under 15 $4,138 $1,428
Failure to Obey Traffic Sign $4,020 $1,367
Illegal Turn $3,923 $1,341
Speeding over 15 $4,330 $1,288
Improper Passing $4,324 $1,187
  • Cost to insure your car in Georgia based on where you live

If you live in Atlanta, Georgia, car insurance rates are much higher than in other places. Typically, areas like Atlanta, Macon, and Decatur with a high population density will cost more to insure your vehicle. Georgia's largest city—Atlanta—is located in Fulton County, which has a population of over 1 million residents and has some of the highest rates of traffic accidents and fatalities. However, low-risk areas like Savannah and Marietta have lower rates than riskier regions like Atlanta.

We've found the following rates for Carlay customers who live in Georgia:

City Average Cost Annual Savings with Carlay
Atlanta $2,914 $1,003
Columbus $2,611 $979
Decatur $3,050 $960
Douglasville $2,639 $956
Griffin $2,572 $757
Jonesboro $2,888 $884
Kennesaw $3,617 $1,156
Lawrenceville $2,867 $896
Marietta $2,701 $847
Savannah $2,567 $976
  • Cost to insure your car in Georgia based on the type of car you drive

Many factors determine your car insurance premiums, including the type of car you drive. In Georgia, the Honda Civic is a ubiquitous car, and it's also relatively affordable to insure. Its price also makes it reasonably easy to get parts for it and to get it repaired if necessary. However, drivers of luxury cars like Lexus GX will see higher insurance rates in proportion to the cost of their vehicles.

Here are some typical insurance rates for some of the more popular cars in Georgia, with and without Carlay:

How to Save Money On Car Insurance in Georgia?

If you drive in Georgia, here are some ways to save money on car insurance.

  • Shop around for quotes

To save money on car insurance, it's essential to shop around for quotes—so you can compare and contrast policy costs, coverage limits, and more. That's where Carlay comes in: we offer access to multiple providers so that you can compare Georgia car insurance rates today.

Carlay is an application that helps you save time and money on your car expenses. It finds you quotes from over 50 top insurance providers in minutes, and if you find a policy you like, it takes care of the rest.

When you need to renew your insurance policy, Carlay will send you an updated quote—so you have all the information you need to make an intelligent decision.

  • Look for discounts

Drivers in Georgia can typically save money on car insurance by taking several discounts. However, you can also help save money on car insurance by taking advantage of all available discounts, such as bundling multiple policies or using a company's preferred agent network. Combining these methods can potentially save hundreds of dollars per year on coverage.

Check out some of Georgia's most popular discounts:

If you're married, in the military, or have been a homeowner for more than ten years, it may be worth checking with your insurance company to see if you qualify for any discounts.

  • Increase your deductible

The most accessible way to save money on your Georgia car insurance is to increase your deductible. A higher deductible means a lower premium—the higher you make it, the more you'll save. There are no restrictions on how high a deductible you can have; pick one that fits your budget, and shop around for other deals.

Registering Your Car in Georgia

If you're registering a car in Georgia, you need to have the following paperwork:

  • A driver's license or ID card
  • A car title or signed lease agreement
  • A completed MV-1 Title and Tag Application
  • Proof of passing emissions test
  • Proof of insurance
  • Payment for taxes
  • Pay registration fees

You don't have to wait as long at the Department of Motor Vehicles when you have an appointment. However, you may have to fill out additional paperwork besides a driver's license application.

Georgia drivers must renew their vehicle registrations annually.