Georgia Car Insurance: In Georgia, car insurance is mandatory for driving legally. The state requires minimum coverage levels, including bodily injury liability ($25,000 per person and $50,000 per accident) and property damage liability ($25,000 per accident). Uninsured motorist coverage is also required, which protects you in case of an accident caused by a driver without insurance.
Finding the right car insurance in Georgia goes beyond meeting minimums. You’ll want to consider additional coverage options like collision and comprehensive insurance to protect your vehicle from various perils. By comparing quotes from different providers, you can find an insurance plan that meets your needs and budget.
Best Car Insurance Coverage in Georgia
Finding the best car insurance in Georgia can be daunting, with numerous providers offering varying coverage options and benefits. Finding the best car insurance involves considering factors like coverage limits, customer service reputation, affordability, and additional perks offered by each insurer. This guide explores some of the top contenders in Georgia, highlighting their strengths and what sets them apart in meeting drivers’ needs and expectations.
Auto-Owners: Your All-in-One Insurance Coverage
Individuals who find themselves in need of multiple insurance policies stand to gain considerable advantages by opting to bundle them with Auto-Owners Insurance. This insurer not only provides a diverse array of coverage options but also stands out for its exceptional customer service track record, characterized by few complaints.
By bundling various insurance needs such as auto, home, and life insurance under one provider, customers can enjoy streamlined management, potential cost savings through bundled discounts, and the peace of mind that comes from dealing with a reputable and customer-centric insurance company like Auto-Owners.
Auto-Owners stands out for its extensive selection of coverage add-ons, which include options like diminished value coverage, gap insurance, and additional expense coverage. Georgia drivers seeking comprehensive coverage packages will find Auto-Owners particularly appealing, especially with its Personal Automobile Plus Package.
This package offers over ten additional coverage types, such as cell phone protection and identity theft insurance, enhancing the overall breadth of protection available. Additionally, Auto-Owners maintains a reputation for offering competitively low average premiums across Georgia.
Country Financial: Outstanding Customer Satisfaction
Country Financial emerges as the top pick for Georgia drivers seeking car insurance, distinguished by its outstanding customer satisfaction ratings. With a reputation for minimal customer complaints in the auto insurance sector, Country Financial consistently delivers high-quality service and reliability.
Despite these commendable qualities, it’s worth noting that Country Financial operates exclusively in 19 states across the nation, which may limit its availability depending on your location. For Georgia residents, choosing Country Financial ensures not only peace of mind through excellent customer service but also a commitment to quality coverage tailored to individual needs.
State Farm: Offers a Robust List of Discounts.
State Farm stands out as an excellent choice for drivers across various profiles, owing to its robust offering of discounts and supplementary benefits, notably including travel expense coverage. This comprehensive range of perks not only enhances the value of State Farm’s insurance packages but also caters to diverse customer needs and preferences.
Whether you’re a frequent traveller seeking peace of mind with travel expense coverage or simply looking to save through various discounts like safe driver incentives or multi-policy bundling, State Farm provides ample opportunities to customize your insurance plan. Moreover, State Farm’s longstanding reputation for reliability and customer service excellence further solidifies its appeal as a preferred insurer for drivers seeking comprehensive coverage and added benefits.
Read Also: Florida Car Insurance
Progressive: Accident Forgiveness Coverage Included
Progressive earned its spot on our list for several compelling reasons. Firstly, it provides three distinct accident forgiveness options, including one that is automatically included for most new customers. This feature is particularly beneficial as it helps policyholders avoid rate increases after their first accident.
Beyond accident forgiveness, Progressive offers a highly-rated suite of online tools that streamline the insurance process, along with a diverse range of insurance products. These include homeowners, renters, life insurance, motorcycle insurance, and RV insurance, among others.
Bundling these products with an auto policy can unlock additional savings through Progressive’s bundling discounts, making it a financially savvy choice for many customers seeking comprehensive coverage options.
How to Secure the Best Car Insurance in Georgia
If you’re unsure which car insurance company to choose in Georgia, consider these effective strategies:
Assess Your Needs: Before selecting a car insurance provider, assess your specific needs and priorities. Some individuals may prioritize strong customer service and discounts for low mileage, while others may prioritize affordability and user-friendly mobile apps.
Conduct Thorough Research: While the companies highlighted here are reputable options, consider exploring other insurers as well. Ensure any insurer you consider is financially stable, has minimal customer complaints, and offers competitive coverage options at a reasonable price. Comprehensive auto insurance reviews can also provide valuable insights.
Consider Small Insurers: Don’t overlook small, regional insurance companies which may offer competitive pricing and superior customer service compared to larger, nationally-advertised companies. A local independent car insurance agent can assist in identifying these lesser-known options.
Shop Around Annually: Make it a habit to shop for car insurance quotes annually, especially if cost is a significant factor. Insurance rates fluctuate regularly, so a company that offered the best rate last year may no longer be the most economical option this year. Obtain quotes from at least three insurers using similar coverage options and deductibles for an accurate comparison.
By following these steps, you can ensure you find the best car insurance coverage in Georgia that aligns with your needs and budgetary preferences.
Minimum Auto Insurance Coverage Requirement in Georgia
In Georgia, all drivers are mandated by law to carry the following minimum auto insurance coverages for their vehicles:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury*: $25,000 per person and $50,000 per accident
- Uninsured motorist property damage*: $25,000 with deductible options of $250, $500, or $1000
How Much is Car Insurance in Georgia
Car insurance premiums in Georgia slightly exceed the national average. While the typical annual cost of full coverage car insurance across the U.S. stands at $2,311, Georgia residents face an average of approximately $2,554 per year. For minimum coverage, Georgians pay about $867 annually, compared to the national average of $640 per year. These figures highlight the cost disparity and emphasize the importance of exploring options to find competitive rates in Georgia’s insurance market.
| Insurance Company | Average Full coverage amount | Average Minimum Coverage Amount |
| GEICO | $3,203 | $794 |
| Progressive | $2,645 | $958 |
| Auto-Owners | $1,940 | $604 |
| State Farm | $3,779 | $1,303 |
