Georgia Car Insurance – Auto Insurance Quotes in GA
Georgia is like any other state in the country in that it employs its own specific mandatory car insurance laws and requirements. Any resident who wants to drive has to meet those regulations by making sure their car insurance policy meets Georgia’s imposed minimums.
Drivers who need help determining what the requirements are can get that information, plus the best, affordable car insurance quotes, with MyCarInsuranceRates.com. We help drivers find lower rates on the car insurance plan they need to legally drive in the state.
Georgia Car Insurance Requirements
Georgia uses the tort system for the basis of its car insurance laws and regulations, meaning that one party or driver must be designated as the cause of the auto accident, and that party will be responsible for any damages or injuries. For that reason, Georgia requires all drivers to maintain liability coverage for a minimum of $50,000.
As of 2009, drivers also have the option of buying coverage that will protect them against other drivers who either do not have any insurance or sufficient amounts of coverage, also known as uninsured/underinsured motorist coverage, or UM. That plan is optional, however, so while residents do not have to have that protection, it is nevertheless a good idea.
Understanding Georgia Car Insurance Liabilities & Coverage
A minimum 25/50/25 car insurance plan is required in Georgia. Under that type of plan, a $25,000 minimum is required to pay for injuries, including medical expenses, to an individual in the event of an accident; for more than two injured individuals, the coverage for the entire accident must be a minimum of at least $50,000. If there are any property damages, then under Georgia’s plan, a minimum of $25,000 is necessary to cover potential damages to any public or private property. As mentioned, Georgia’s drivers have the option of uninsured motorist coverage, but it is not a requirement.
Georgia Insurance Coverage
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $25,000 Limit
With the amount of insurance required in Georgia, it is easy to try and save money by way of a lower rate, and MyCarInsuranceRates.com can help drivers find the lowest auto insurance quotes available in the state. Enter your zip code to compare the top car insurance companies in Georgia.
Georgia Car Insurance Laws & Regulations
Georgia is different than most states regarding what it requires for proof of insurance. An insurance card is not enough and drivers instead must prove their auto insurance electronically. Drivers who cannot provide proof of car insurance or do not carry it face fines in excess of $160, and will have to pay both lapsed insurance fees and reinstatement fees.
More seriously, the driver’s registration can be suspended for 90 days during a second offense and 6 months during a third offense. Of course, drivers face even stiffer penalties if they are caught driving a vehicle with a suspended driver’s license and registration.
Average Georgia Car Insurance Rates
In 2010, drivers throughout the nation paid an average monthly insurance rate of $128.17, while drivers in Georgia paid only $73.63 per month. Yearly, the nation’s drivers paid approximately $1,538; in contrast, Georgia’s yearly rate came to only $1,361.
With lower averages in the state, Georgia’s drivers can pay even cheaper rates on their auto insurance policies by letting MyCarInsuranceRates.com give them a hand. Through us, top rated car insurance providers will compete for your business by offering competitive quotes on the car insurance policies required to drive in the state.
Georgia Car Insurance Quotes
Right now, auto insurance rates in Georgia are 13 percent lower than they were in 2009, and there is no reason for drivers in the state to pass up the opportunity to take advantage of that decrease. Having said this, it is not easy to shop around for cheaper car insurance rates, in part because there are currently so many different providers with expensive rates. That is why MyCarInsuranceRates.com is so helpful: we find consumers find and compare the lowest car insurance quotes from a selection of the best auto insurance companies to get you cheap Georgia car insurance.
Simply enter your zip code in the box above or below and see how much you can save with a cheaper car insurance plan that could even provide more coverage. You’ll never know how your car insurance rates compare till you see another insurance company’s premiums and policies.
