Best Car Insurance in Georgia

Whether you’re hitting the nightlife scene in Atlanta, heading to a Bulldogs game in Athens, or setting out to see the state’s seven natural wonders, you’ll want to ensure you have the best car insurance in Georgia. Regardless of where you’re headed, all drivers registered in the state must maintain adequate Georgia car insurance, per state law.

When it comes to selecting an auto insurance policy, there are great insurers and some that won’t necessarily fit your lifestyle. Let’s take a look at how you can decide on the right policy for you and how to find the best insurance companies in Georgia.

The best car insurance in Georgia will always vary depending on the driver, as different people value different things in an auto insurance policy. Generally, drivers must decide whether they value cost or coverage more on their policy. 

For example, those who value cost over coverage may opt for a policy with the legal minimum amount of coverage in the state with stackable discounts applied. Those who value coverage over cost may opt for a full coverage policy with an insurer offering a wide range of optional coverage types.

That isn’t to say you must decide between cost or coverage, as many drivers value their safety and savings. Typically, a driver that values both cost and coverage equally will opt for a full coverage policy through an insurer offering several opportunities for discounts. 

In Georgia, all drivers must have some form of car insurance, as driving without insurance is against state law. All drivers must have at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident, otherwise noted as 25/50/25 liability coverage on a policy. If you lease or finance your vehicle, your lender or leaser may also require you to have collision and comprehensive coverage as part of your legally binding agreement.

A full coverage policy will have a liability limit that exceeds the state minimum and several optional coverages added on, like uninsured/underinsured motorist coverage (UM), a first-party medical benefit like medical payments coverage (MedPay), collision coverage, comprehensive coverage, or GAP coverage. 

While the average full coverage premium in the Peach State costs about $1,780 annually, about 5% more than the national average of $1,670, there are a few ways you can get cheap insurance in the state. Let’s take a look at what a few auto insurance companies in Georgia can do to help you get the coverage you need at the price you want.

To find the best car insurance companies in Georgia, you must first determine what you need most from your auto insurance policy. If you prefer the cheapest policy on the market and are willing to sacrifice coverage to lower your premiums, you’ll want to find an insurance company in Georgia that offers cheap rates for minimum coverage. In contrast, if you want a policy with expansive coverage, you’ll want to find an insurer in the state that offers several coverage types you can add to your full coverage policy.

Remember that each driver will receive a different premium, as insurers use unique factors about drivers to determine their rates. Many insurers use your age, gender, ZIP code, the type of car you drive, and several other factors to calculate your premiums. These factors are all associated with the risk an insurer takes when insuring you. Drivers who are at a higher risk to insure in the state often pay higher premiums.

For example, drivers with an Atlanta ZIP code may pay higher premiums for living in a city. Insurers view drivers in densely populated cities as a higher risk to insure because they’re statistically more likely to get into a car accident and file a claim with their insurer. In opposition, those who live in cities with lower populations, like Savannah, may pay less in premiums because they’re statistically less likely to get into car accidents.

If the factors determining your rates work against you rather than for you, don’t worry. There are several ways you can find insurers with lower-than-average base rates or those who offer stackable discounts to lower your premiums even further.

The best way to find a full coverage policy from one of the top car insurance companies in Georgia is to focus your search on what insurer offers the exact coverage you need. Once you have a list of a few insurers that offer precisely what you need, you can get and compare quotes from those insurers to determine the pros and cons of each. Comparing quotes allows you to lay out the good, the bad, and the ugly qualities of all the insurers you’re considering. 

Many insurers offer low base rates for full coverage policies and offer several opportunities for policyholders to stack discounts to further reduce their premiums. 

Finding the best liability coverage will begin with focusing your search on insurers that offer the lowest cost for minimal coverage. Once you find a few insurers that offer the legal minimum amount of coverage at a low cost, you can compare quotes from those insurers to weigh the pros and cons. 

The cost of a liability-only policy in the Peach State will range depending on the insurer. However, the rate will generally sit around $900 annually or about half the cost of the average full coverage policy in the state. Still, you may lower your premiums even further by getting a policy through an insurer offering stackable discounts. 

To find an insurance company that offers a policy that best suits your needs, you will likely need to do a bit of research on what companies have a presence in the Peach State. Once you know of a few insurers that bind policies in the state, you will get quotes from several insurers to make an educated decision. This is where your values come into play, as you’ll want to focus on insurers that offer lower costs or better coverage.

Check out this ranking of auto insurance in Georgia based on the types of coverage each insurer offers and their average annual premiums.

Young drivers often face higher-than-average rates everywhere, not just in Georgia, because insurers take on a high risk by insuring a driver without a record to prove their skill. While the average full coverage premium in the state is about $1,780, new or young drivers can expect to pay about double the average rate if not more. While a high base rate might be inescapable for teen drivers, there are a few ways to reduce your premiums until you prove to your insurer you’re a pro behind the wheel.

The best way to reduce your premiums without sacrificing coverage is to add discounts to your policy. Many insurers offer a good student discount for young drivers who earn good grades or a multi-car discount for those with several cars insured on one policy. 

Insurers like Geico and State Farm offer enrollment-based safe-driving programs using telematics devices. Drivers can opt into these programs to receive discounts on their premiums based on the safe choices they make on the road. 

If you’re interested in binding an auto insurance policy with one of the top car insurance companies in Georgia, the best way to make your selection is to get and compare quotes from several insurers. Lucky for you, that’s our specialty here at Clovered. 

You can use our free quoting tool to get quotes tailored to you in just minutes. If you prefer to speak to an agent, you can call us at 833-255-4117 or email us at [email protected], and one of our agents will be happy to discuss your quote or answer any questions you have about the best car insurance in the Peach State.