Like most US states, Georgia requires drivers to meet certain minimum auto insurance requirements when registering a vehicle. The fact that you are considered a fault condition affects the specific coverage you need to meet Georgia auto insurance requirements.
The Guides Auto Team explains the types and amounts of auto insurance coverage required in Peach State, as well as the penalties for lack of coverage.We also ranked best car insurance Ask Georgia businesses for minimum and full coverage auto insurance so you can choose the right coverage for your needs.
What are the minimum requirements for auto insurance in Georgia?
Drivers in Georgia are required by law to carry Liability insurance Meets state minimum standards. Georgia is a state of negligence, so this coverage protects and compensates the other party in an accident you caused. The minimum required compensation amounts are divided into three categories and described as follows: 25/50/25The required coverage and limitations are as follows:
- $25,000 Injury Compensation Amount per Person
- $50,000 Personal injury compensation per accident
- $25,000 Property damage compensation per accident
Please note that liability insurance coverage does not cover your property, or injury to yourself or your passengers in the event of an automobile accident. You are responsible for compensating the other party for additional damages or medical expenses if you meet the limits of coverage.
For more comprehensive protection for your vehicle, we encourage you to consider our full coverage policy.this includes both Collision range When comprehensive coverage In addition to state-required liability insurance.
Penalties for driving without car insurance in Georgia
according to Georgia Department of Revenue, driving without auto insurance is a misdemeanor under state auto insurance laws. If convicted of a misdemeanor in Georgia, from $200 he could be fined $1,000, imprisoned for up to 12 months, or both. Making a false statement about insurance coverage is considered a crime and is treated as a misdemeanor.
of insurance research committee estimates that the national uninsured driver rate was 12.6% in 2019. In the same year, approximately 12.4% of drivers on the road in Georgia were uninsured, slightly below the national average.
What happens if my insurance coverage expires in Georgia?
If your insurance coverage lapses in Georgia, you will receive a notice from the Department of Revenue advising you of this lapse and you will be charged a recovery fine. If the fine is not paid and new insurance information is not provided within 30 days, the vehicle registration will be suspended. Driving while suspended in Georgia is considered a misdemeanor.
Georgia Auto Insurance: Costs
According to Quadrant Information Services, the average cost of minimum coverage auto insurance in Georgia is: $56/month Also $673/yearThis is only slightly higher than the national average. $53/month Also $635/year.
Here’s the average cost of full-coverage auto insurance in Peach: $135/month Also $1,617 per yearThis is cheaper than the national average. $144/month Also $1,730 per year.
Cheapest Lowest Coverage Auto Insurance Rates in Georgia
Auto-Owners, USAA, Geico, Country Financial, and the Georgia Farm Bureau typically offer the cheapest car insurance with minimum coverage for drivers in Georgia. All of these providers offer rates below the national average for minimum coverage policies.with that in mind USAA Insurance We provide automobile insurance only to military personnel, veterans, and their families.
Cheapest Full Coverage Auto Insurance Rates in Georgia
USAA, Geico, Auto-Owners, Georgia Farm Bureau and Progressive offer Georgia drivers the lowest average full coverage premiums. These providers typically offer rates well below the national average for full-coverage auto insurance.
Georgia Optional Auto Insurance Coverage
In addition to the liability limits mandated by Georgia, you can purchase optional auto insurance to better protect you and your vehicle.standard Types of car insurance Here are some worth considering:
Factors Affecting Auto Insurance Costs
Auto insurance companies consider several important factors when setting their rates, including:
- credit history: If you prove you are financially responsible with a high credit score, you are more likely to be offered a lower premium rate. Low credit scores often lead to higher insurance premiums.
- Year: Younger and teens with less driving experience can expect to pay more than older, more experienced drivers.
- marital status: Married drivers often get lower premiums than single drivers.
- position: Population density, climate and even the frequency of claims in your area all affect how much you pay for car insurance.
- driving record: If you have a recent accident, speeding or DUI offense record, you can expect to pay a higher premium.
- vehicle type: Newer and more expensive to repair cars often have higher car insurance rates.
- sex: Male drivers, especially young male drivers, often have higher insurance premiums than female drivers.
Georgia Auto Insurance Requirements: Conclusion
Meeting Georgia auto insurance requirements means that your vehicle must have both personal injury and property damage liability insurance. These are the only coverages required by law, but they don’t help pay for medical bills or car accident damages. You can benefit from purchasing additional coverage that helps protect you when you need it most.
Top Georgia Auto Insurance Recommendations
We recommend comparing insurance quotes from multiple insurance companies in Georgia to find the right coverage for you. State Farm and Travelers are two great choices to start your search.
State Farm: Editor’s Choice
of National Association of Insurance Commissioners (NAIC) ranks State Farm as the nation’s largest insurer, accounting for 15.9% of all premiums sold in 2021. All standard types of car insurance plus travel benefits, roadside assistance and rental car reimbursement. State Farm was named Editor’s Choice for its superiority in cost, coverage, reputation, and customer service.
read more: State Farm Insurance Review
Geico: Affordable for most drivers
Geico’s combination of affordability, several coverage options, and strong customer service make it a smart choice for auto insurance. The company is also known for its wide selection of discounts that help policyholders save on coverage.Geico offers discounts for safe driving, new cars, US military personnel, and more.
read more: Geico insurance review
Consumers trust us to provide objective and accurate information, which is why we have created a comprehensive rating system to create a ranking of the best auto insurance companies. We collected data from dozens of auto insurance companies and rated the companies on various ranking factors. The final result is an overall rating for each provider, with the insurer with the most points at the top of the list.
In this article, we have selected companies with high overall rating and cost rating. Cost assessments were informed by auto insurance rate estimates generated by Quadrant Information Services and Discount Opportunities.
*Data is at the time of publication.
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