Georgia Auto Insurance [Rates + Cheap Coverage Guide]

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Georgia Statistics SummaryDetails
Road MilesTotal in State: 127,492
Annual Miles Driven: 111,535 million
VehiclesRegistered in State: 7,955,532
Total Stolen: 26,854
State Population10,519,475
Most Popular VehicleFord F-150
Uninsured Motorists13%
State Rank: 25th
Driving Fatalities2017
Total: 1,540
Speeding: 248
Drunk Driving: 366
Average Annual PremiumsLiability: $557.38
Collision: $331.83
Comprehensive: $159.18
Full Coverage: $1048.40
Cheapest ProviderCoast National Insurance Company

The state with the southern charm, Georgia is home to some of the most beautiful and historic sites in the nation. From down in Savannah all the way to the big city of Atlanta, Georgia has that wow factor that draws people to it in droves.

This can be both a good thing and, for anyone trying to drive in downtown Atlanta, a bad thing. There are a lot of things to worry about while navigating Georgia roads. But getting the car insurance you need, shouldn’t be one of them.

That’s what we’re here for! We’ve made up this comprehensive guide to steer you towards the best car insurance for YOUR needs.

Are you ready to get started with comparing your rates? Use our FREE online tool today! All you need is your zip code.

Table of Contents

Georgia Car Insurance Coverage and Rates

It’s important to know what exactly you’re getting, and how much you’re paying for it. If you’re paying for car insurance, you should know the details behind the coverage you’re getting, right? In this section, we’ll provide you with all of the important information and facts regarding Georgia car insurance coverage, as well as the typical rates you’ll see.

Keep reading to find out how Georgia’s car insurance cost is HIGHER than the national average!

– Georgia Minimum Coverage

Minimum Car Insurance Requirements in GeorgiaStats
Bodily Injury Liability$25,000 per person and $50,000 per accident
Property Damage Liability$25,000 per accident

Every state has something known as minimum liability coverage. This is the lowest coverage you are allowed to have in order to legally drive in the state.

Georgia is, what is called an “at-fault” state. What does this mean? It means that if you are the one who caused an accident, you are the one who is liable for any injuries or property damage sustained during that accident. You can imagine that, if you don’t have insurance, this can become quite costly.

Which is why, according to Georgia law, you are required to have this minimum coverage.

In the table above, you can see the minimum liability coverage values you are required to have for Georgia. Let’s break this table down a little further:

  • $25,000 for the payment of an injury/death of one person in an accident
  • $50,000 for the payment of injuries/deaths to MULTIPLE people in an accident
  • $25,000 for the payment of any property damage

These values may seem like a lot of money, however, if you’re in a severe enough accident, this money will run dry very quickly. So it is always wise to at least consider getting additional coverage in order to protect yourself.

– Forms of Financial Responsibility

Due to the insurance requirements above, you’ll need to carry some form of financial responsibility with you. Also known as proof of insurance.

Well, what exactly are you going to need to have with you to provide this proof? In Georgia, you are actually in luck.

Law enforcement uses Georgia Electronic Insurance Compliance System (GEIC) in order to verify your car insurance electronically.

So as long as you keep your car insurance status up to date on the GEICS website, you won’t need to provide any physical proof of insurance.

If you don’t keep your insurance status up to date or don’t file for insurance at all, you could be facing some heavy penalties.

According to The Georgia Department of Revenue, it is required by law that any driver found to be driving without their proof of insurance will have their license suspended or revoked. So make sure you have any of of the above options listed with you at all times while driving.

– Premiums as a Percentage of Income

According to Statista, in 2017 the average annual per capita disposable income for Georgia citizens was $38,326.

What in the world is an annual per capita disposable income? Disposable personal income (also known as DPI) is the total amount of money that a person makes after taxes have been taken out and paid.

This means, according to this value, Georgia citizens typically have about $3,194 each month for things such as utilities, food, medical expenses, etc.

The average annual cost of car insurance in Georgia is $1,232, which is approximately 3% of your annual disposable personal income.

This can take up a big chunk of change if you don’t budget yourself properly, so make sure you account for these monthly/yearly payments!

Use the calculator below to find out what your average premium would be by your own income.

CalculatorPro

– Core Coverage

According to the National Association of Insurance Commissioners (NAIC), the table below are the core coverage costs you can expect in Georgia, as shown over time.

 20152014201320122011Average
Liability Coverage$557.38$516.63$485.40$454.76$439.02$490.64
Collision Coverage$331.83$320.57$313.28$316.13$320.44$320.45
Comprehensive Coverage
$159.18$154.05$150.65$151.16$153.03$153.61
Full Coverage$1,048.40$991.25$949.44$922.05$912.70$964.70

– Additional Liability

There are additional liability coverage types that you can have for your insurance plan, known as Med Pay and Uninsured/Underinsured Motorist coverage. They are all optional items, but they can be very important to have. Why?

According to the Insurance Information Insitute (III), approximately 12 percent of Georgia drivers are uninsured.

So what exactly do Med Pay and Uninsured/Underinsured Motorist coverage do?

MedPay is for the payment of any of your personal injuries.

Uninsured/Underinsured Motorist coverage is if you ever find yourself in an accident with someone who is uninsured, and they are the one at fault for the accident.

If you’re in a bad enough accident with this person, they’ll likely go bankrupt before they can finish paying for everything, which would include your medical expenses or fixing property damage.

Now that we know the importance of these two types of liability coverage, we’ll quickly go over something known as loss ratio’s for these coverage types.

Additional Liability Coverage201520142013
Medical Payments Loss Ratio84.58%83.70%86.61%
Uninsured/Underinsured Motorist Loss Ratio93.68%87.32%81.65%

A loss ratio is a ratio is one way that allows you to see how financially well a company is doing. It’s the factor of how many claims the company is paying out compared to the money they bring in from insurance premiums that you pay.

It’s kind of like the story of Goldilocks here. You want your company’s loss ratio to be not too big, not too small, but JUST right.

This is because if a company’s loss ratio is too low, they aren’t paying out enough to their customers in claims. Reversely, if a company’s loss ratio is too high, they are paying out too much in claims and are at risk of going bankrupt.

Georgia citizens are in luck, because the loss ratio’s for both MedPay and Uninsured/Underinsured coverage are in that sweet spot.

– Add-Ons, Endorsements, and Riders

One of the first goals that most car insurance buyers are looking for is to get affordable coverage with complete coverage.

There are several, and very valuable, coverage options that are available to Florida citizen. Click on any of the additional coverage options to learn more:

Definitely consider adding one (or more) of these coverage options to your policy.

– Demographic Rates

Did you know that your age and gender can play a factor in what kind of insurance rate you’ll get? It’s a popular myth in the car insurance world that men tend to pay more for car insurance, and that’s actually not always the case.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$2,900.87$2,900.87$2,779.74$2,779.74$6,787.85$8,744.55$3,246.86$3,545.10
Geico General$1,798.00$1,774.88$1,741.80$1,741.80$5,405.23$6,468.98$2,312.93$2,573.90
Safeco Ins Co of IL$5,354.43$5,828.62$4,383.03$4,975.31$22,759.67$25,413.76$5,674.73$6,038.00
Nationwide Mutual$3,767.46$3,895.53$3,724.66$4,094.75$11,720.53$15,095.77$4,594.13$4,986.39
Progressive Mountain$2,842.70$2,616.94$2,442.41$2,567.85$8,918.63$9,881.25$3,285.16$3,438.84
State Farm Mutual Auto$2,211.60$2,211.60$1,984.58$1,984.58$5,893.47$7,744.68$2,426.79$2,621.78
USAA$1,759.52$1,757.11$1,633.74$1,640.04$6,343.65$7,511.58$2,192.11$2,421.96

As you can see in the chart above, married females tend to pay roughly the same as their male counterparts. Meanwhile, single younger males tend to pay more for their coverage.

– Rates by Zip Code and City

Want to find out what rates you’ll tend to see in your zip code and city? Check out the table to find out.

CityZipcodeAverage
ATLANTA30002$6,186.79
CLARKSTON30004$5,076.20
STONE MOUNTAIN30005$5,155.57
STONE MOUNTAIN30008$5,426.84
DECATUR30009$5,062.53
ATLANTA30011$5,105.49
ATLANTA30012$5,701.38
ATLANTA30013$5,850.35
ATLANTA30014$5,316.31
ATLANTA30016$5,494.07
ATLANTA30017$5,771.38
LITHONIA30018$5,529.66
LITHONIA30019$5,315.85
DECATUR30021$6,944.22
DECATUR30022$5,231.18
SCOTTDALE30024$5,438.19
ATLANTA30025$5,325.29
ATLANTA30026$5,457.25
ATLANTA30028$4,870.88
ATLANTA30029$5,127.49
ATLANTA30030$5,731.95
PINE LAKE30032$6,699.34
ATLANTA30033$5,949.23
UNION CITY30034$6,694.70
STONE MOUNTAIN30035$6,893.89
ELLENWOOD30038$6,730.99
ATLANTA30039$5,993.67
ATLANTA30040$4,931.10
ATLANTA30041$4,906.52
CONLEY30043$5,490.63
ATLANTA30044$5,794.49
MARIETTA30045$5,702.00
NORCROSS30046$5,727.27
RIVERDALE30047$5,919.80
NORCROSS30052$5,558.87
RIVERDALE30054$5,307.49
AVONDALE ESTATES30055$5,400.11
ATLANTA30056$5,161.49
ATLANTA30058$6,733.62
FOREST PARK30060$5,426.83
DULUTH30062$5,152.13
ATLANTA30064$5,136.22
NORCROSS30066$5,178.39
PORTERDALE30067$5,717.81
MABLETON30068$5,570.20
ATLANTA30069$5,447.55
SNELLVILLE30070$6,060.02
ATLANTA30071$6,272.64
ATLANTA30072$6,580.33
DECATUR30075$5,061.11
LILBURN30076$5,137.50
JONESBORO30078$5,864.38
ATLANTA30079$6,686.79
FAIRBURN30080$5,690.79
TUCKER30082$5,598.58
SNELLVILLE30083$6,899.09
CONYERS30084$5,870.11
AUSTELL30087$6,469.78
LITHIA SPRINGS30088$6,913.82
ATLANTA30090$6,273.03
LAWRENCEVILLE30092$6,075.23
GRAYSON30093$6,237.26
MORROW30094$5,666.28
JONESBORO30096$6,115.91
DECATUR30097$5,521.34
ATLANTA30101$5,032.23
LAWRENCEVILLE30102$5,283.96
MARIETTA30103$4,997.33
LAWRENCEVILLE30104$5,067.17
CONYERS30105$4,845.45
ATLANTA30106$5,675.27
SMYRNA30107$4,973.94
ATLANTA30108$5,091.16
ATLANTA30109$5,088.62
ATLANTA30110$5,126.18
ATLANTA30111$5,579.75
POWDER SPRINGS30113$5,143.51
AUSTELL30114$4,774.58
ATLANTA30115$5,020.24
CONYERS30116$5,200.95
ATLANTA30117$5,094.82
ATLANTA30118$5,037.28
REX30120$5,205.85
ATLANTA30121$5,023.49
SMYRNA30122$5,829.19
TURIN30123$5,388.47
ATLANTA30124$4,990.06
CLARKDALE30125$4,969.95
MARIETTA30126$6,035.86
WINSTON30127$5,676.27
LOGANVILLE30129$5,441.22
JERSEY30132$5,242.49
PALMETTO30134$5,525.93
DOUGLASVILLE30135$5,381.10
SARGENT30137$5,046.32
DULUTH30138$5,143.79
STOCKBRIDGE30139$4,903.91
ATLANTA30140$4,973.12
HIRAM30141$5,507.42
COVINGTON30143$5,029.98
LAWRENCEVILLE30144$5,008.08
HAMPTON30145$5,087.86
NORTH METRO30146$5,082.05
ATLANTA30147$5,034.04
MARIETTA30148$5,073.29
ATLANTA30149$4,913.78
COOSA30151$4,921.63
SUWANEE30152$5,163.33
MARIETTA30153$5,060.95
MARIETTA30157$5,405.83
MCDONOUGH30161$4,947.92
DALLAS30165$4,925.02
MONROE30168$5,839.82
MANSFIELD30170$5,096.21
CASSVILLE30171$4,986.23
SAVANNAH30173$5,036.24
DOUGLASVILLE30175$4,890.30
BUFORD30176$5,149.22
SAVANNAH30177$5,056.00
MCDONOUGH30178$5,075.51
LOCUST GROVE30179$5,220.37
SAVANNAH30180$5,227.16
GAINESVILLE30182$5,137.34
BUFORD30183$5,043.80
SOCIAL CIRCLE30184$5,038.53
COVINGTON30185$5,285.96
DACULA30187$5,559.94
ATLANTA30188$4,868.31
OXFORD30189$4,802.97
MONROE30204$4,945.26
FLOVILLA30205$5,214.81
DRY BRANCH30206$5,061.71
GRAY30213$5,897.79
SAVANNAH30214$4,962.28
WHITESBURG30215$4,972.19
JEFFERSON30216$5,300.64
ACWORTH30217$4,988.82
TYRONE30218$5,229.58
GRIFFIN30219$5,237.23
FORSYTH30220$4,943.67
MIDLAND30222$4,915.47
ATLANTA30223$5,080.89
DALLAS30224$5,274.80
SUNNY SIDE30228$5,460.08
GLENN30229$4,915.45
CLERMONT30230$5,109.82
ALPHARETTA30233$5,003.38
BOLINGBROKE30234$4,993.52
GAY30236$5,766.15
VILLA RICA30238$5,917.15
TEMPLE30240$4,977.32
HADDOCK30241$4,897.81
BROOKS30248$5,358.81
MC INTYRE30251$4,867.48
CARTERSVILLE30252$5,424.70
RABUN GAP30253$5,372.42
CARROLLTON30256$4,985.08
DILLARD30257$5,082.85
WINDER30258$5,019.72
CLAYTON30259$4,962.83
MARIETTA30260$5,770.18
JULIETTE30263$4,623.62
SAVANNAH30265$4,657.43
KENNESAW30266$4,683.20
NEWBORN30268$5,526.89
ALPHARETTA30269$4,642.31
MARIETTA30272$5,089.90
TALLAPOOSA30273$5,628.90
HILLSBORO30274$6,208.22
ESOM HILL30275$5,524.32
BUCHANAN30276$5,112.87
MACON30277$4,709.07
ROSWELL30281$5,520.31
WACO30284$5,241.32
MARIETTA30285$4,942.14
SAVANNAH30286$4,959.06
NORTH METRO30288$6,350.41
BREMEN30289$5,593.00
MACON30290$5,279.49
SENOIA30291$6,486.71
HOGANSVILLE30292$5,089.11
SAVANNAH30293$4,859.18
AUBURN30294$6,468.98
LULA30295$4,962.02
GORDON30296$6,240.28
JEFFERSONVILLE30297$6,142.38
ROOPVILLE30303$6,788.76
CARROLLTON30304$6,835.84
BOWDON30305$5,662.59
RED OAK30306$5,728.18
MONTICELLO30307$5,798.63
ATLANTA30308$5,690.93
WILLIAMSON30309$5,684.08
BOWDON JUNCTION30310$6,880.31
KINGSTON30311$6,750.28
MILNER30312$6,620.73
MACON30313$6,583.09
LEBANON30314$6,991.02
GRIFFIN30315$6,889.33
COLUMBUS30316$6,647.47
MACON30317$6,318.01
ALPHARETTA30318$6,621.02
TAYLORSVILLE30319$5,516.26
MARBLE HILL30322$5,618.96
NEWINGTON30324$5,685.13
ARAGON30326$5,661.53
MACON30327$5,687.78
ALPHARETTA30328$5,446.45
CONCORD30329$5,683.62
ROSWELL30331$6,657.55
ROCKMART30334$6,893.38
MANCHESTER30336$6,144.45
FORTSON30337$6,427.71
CALHOUN30338$5,089.37
TATE30339$5,588.12
UPATOI30340$6,151.39
COMMERCE30341$5,997.85
CULLODEN30342$5,453.32
OLIVER30344$6,403.09
STATHAM30345$5,965.64
EMERSON30346$5,242.63
WALESKA30349$6,554.04
IRWINTON30350$5,308.47
MACON30354$6,465.21
WHITE30360$6,088.60
CARROLLTON30361$5,906.40
COLUMBUS30363$5,666.29
SAVANNAH30369$5,989.48
MUSELLA30401$4,868.37
SILVER CREEK30410$4,678.69
MURRAYVILLE30411$4,867.79
LINDALE30412$4,932.99
ACWORTH30413$4,871.13
OCONEE30414$4,936.55
JASPER30415$5,008.70
MACON30417$4,771.47
NORRISTOWN30420$4,691.08
NUNEZ30421$4,692.36
CARTERSVILLE30423$4,789.24
FORT BENNING30424$4,821.12
COMMERCE30425$4,906.69
CANTON30426$4,950.35
MOLENA30427$4,677.76
MACON30428$4,772.67
ELLIJAY30429$4,871.30
MACON30434$4,906.19
STATESBORO30436$4,409.49
GOOD HOPE30438$4,684.59
BROOKLET30439$4,818.15
KENNESAW30441$4,882.86
JACKSON30442$4,927.96
DANVILLE30445$4,778.33
POOLER30446$5,071.52
ADAIRSVILLE30447$5,025.77
SHADY DALE30448$5,024.94
SYLVANIA30449$5,047.33
JENKINSBURG30450$4,750.20
CAVE SPRING30451$4,890.88
BLOOMINGDALE30452$4,744.19
CRAWFORD30453$4,688.73
FRANKLIN30454$4,466.48
ALLENTOWN30455$4,970.15
RYDAL30456$4,941.70
MEANSVILLE30457$4,787.04
TOOMSBORO30458$4,752.40
YATESVILLE30460$4,760.76
BRASELTON30461$5,011.03
ELLIJAY30464$4,914.92
SPARTA30467$4,993.68
LAGRANGE30470$4,795.61
BALL GROUND30471$4,812.92
GUYTON30473$4,856.81
FELTON30474$4,372.55
LEXINGTON30477$4,874.06
HOWARD30501$4,770.14
FAYETTEVILLE30502$4,744.97
WAYNESBORO30504$4,776.23
ROCKY FORD30506$5,358.15
CEDARTOWN30507$4,746.86
BETHLEHEM30510$4,850.92
CLYO30511$4,707.93
WEST POINT30512$4,519.07
MORELAND30513$4,891.09
FAYETTEVILLE30516$4,769.92
ZEBULON30517$4,979.39
THOMASTON30518$5,343.88
SPRINGFIELD30519$5,376.21
COLUMBUS30520$4,744.60
JUNCTION CITY30521$4,672.14
RINCON30522$4,854.13
GIRARD30523$4,616.17
MONTROSE30525$5,180.41
ROME30527$5,234.41
SMARR30528$4,621.63
SEVILLE30529$5,021.29
GENEVA30530$5,053.75
BARNESVILLE30531$4,560.77
CISCO30533$4,908.48
GRANTVILLE30534$4,696.07
THE ROCK30535$4,657.15
SARDIS30536$5,015.63
PERKINS30537$5,191.61
TALBOTTON30538$4,510.80
WOODLAND30540$4,979.35
BELLVILLE30541$4,775.87
ALSTON30542$4,845.24
WARM SPRINGS30543$4,918.76
SAVANNAH30545$4,623.90
ARNOLDSVILLE30546$4,582.03
CUMMING30547$4,782.91
RAYLE30548$4,852.29
LIZELLA30549$5,284.10
DAHLONEGA30552$4,615.20
MILLEN30553$4,683.47
COLUMBUS30554$5,103.44
COLUMBUS30555$4,794.58
PINE MOUNTAIN VALLEY30557$4,825.52
ROME30558$4,835.60
RESACA30559$4,750.70
NELSON30560$4,821.96
PINE MOUNTAIN30562$4,874.88
SAVANNAH30563$4,588.12
GILLSVILLE30564$5,034.63
BOX SPRINGS30565$4,747.26
CUSSETA30566$4,745.43
WASHINGTON30567$4,738.35
MILLEDGEVILLE30568$5,203.55
MILLEDGEVILLE30571$4,639.33
SANDERSVILLE30572$4,723.12
GREENVILLE30573$4,794.92
HARALSON30575$4,709.63
SHILOH30576$4,635.51
STILLMORE30577$4,557.92
COLUMBUS30580$4,530.56
MOUNT BERRY30581$4,605.78
GOUGH30582$4,545.35
DAHLONEGA30597$4,928.23
WRIGHTSVILLE30598$4,651.43
GARFIELD30601$4,452.36
CUMMING30602$4,485.51
LOUISVILLE30605$4,533.33
APPLING30606$4,443.87
FAIRMOUNT30607$4,702.71
LAGRANGE30609$4,524.41
MAXEYS30619$4,931.18
LINCOLNTON30620$4,967.28
HAWKINSVILLE30621$4,775.19
MAUK30622$4,582.17
BLUE RIDGE30623$4,762.01
PULASKI30624$4,726.21
TALKING ROCK30625$4,540.59
BUTLER30627$4,716.53
STEPHENS30628$4,636.57
HAMILTON30629$4,635.57
ADRIAN30630$4,989.03
WAVERLY HALL30631$4,876.61
MIDVILLE30633$4,526.48
PINEVIEW30634$4,720.81
MITCHELL30635$4,787.20
CRAWFORDVILLE30638$4,727.92
KEYSVILLE30639$4,791.03
KITE30641$5,009.78
MOUNTAIN CITY30642$4,536.91
WADLEY30643$4,678.49
TENNILLE30645$4,731.55
TENNGA30646$4,632.81
HAGAN30647$4,589.97
BARTOW30648$4,973.00
CUMMING30650$4,569.67
ELLAVILLE30655$5,402.66
VARNELL30656$5,307.03
CRANDALL30660$4,930.97
SWAINSBORO30662$4,649.41
WOODSTOCK30663$4,657.20
ALAMO30664$4,713.64
GRACEWOOD30665$4,528.02
LUTHERSVILLE30666$5,046.36
ROBERTA30667$4,887.09
ELLABELL30668$4,677.82
STAPLETON30669$4,856.47
SUGAR VALLEY30671$4,896.34
FORT STEWART30673$4,916.60
TUNNEL HILL30677$4,557.68
HARRISON30678$4,849.27
WRENS30680$5,187.57
WOODBURY30683$4,602.14
PLAINVILLE30701$5,056.99
UVALDA30705$4,687.99
UNION POINT30707$4,714.33
CHERRY LOG30708$4,944.43
COCHRAN30710$4,819.99
JACKSONVILLE30711$4,869.00
DAVISBORO30720$4,813.19
WARTHEN30721$4,778.66
HOSCHTON30724$4,819.62
ALTO30725$4,708.06
WHITE PLAINS30726$4,725.62
AVERA30728$4,650.74
REYNOLDS30730$4,806.74
ARMUCHEE30731$4,777.55
FLOWERY BRANCH30732$4,824.53
BUENA VISTA30733$4,858.46
NORWOOD30734$4,822.16
RUPERT30735$4,922.83
RHINE30736$4,687.96
MATTHEWS30738$4,762.12
BRONWOOD30739$4,667.13
PEMBROKE30740$4,797.38
MAYSVILLE30741$4,625.92
DUDLEY30742$4,694.40
MARTIN30746$4,865.26
OAKMAN30747$4,807.12
MESENA30750$4,706.22
RANGER30751$4,872.27
MORGANTON30752$4,780.81
DOVER30753$4,698.17
HELENA30755$4,862.95
CAMAK30756$4,869.18
JEWELL30757$4,738.51
COHUTTA30802$4,904.20
ETON30803$4,848.32
METTER30805$4,766.23
IDEAL30806$4,670.53
ABBEVILLE30807$4,820.39
ELLERSLIE30808$4,742.22
DALTON30809$4,711.12
TWIN CITY30810$4,807.23
CATAULA30811$4,911.20
MILAN30812$4,867.60
SAPELO ISLAND30813$4,557.89
GIBSON30814$4,790.05
SUMMERVILLE30815$4,782.61
LYERLY30816$4,876.31
MELDRIM30817$4,894.48
WOODSTOCK30818$4,837.07
WARRENTON30819$4,822.18
ROCKY FACE30820$4,880.07
LUMBER CITY30821$4,841.08
TARRYTOWN30822$4,941.45
SAVANNAH30823$4,865.57
TALLULAH FALLS30824$4,788.36
MC CAYSVILLE30828$4,799.49
FRANKLIN SPRINGS30830$4,971.64
HARLEM30833$4,861.95
DAISY30901$4,703.12
THOMSON30904$4,688.26
ELBERTON30905$4,679.12
SOPERTON30906$4,725.37
OGLETHORPE30907$4,568.84
HOMER30909$4,665.54
HEPHZIBAH30912$4,697.70
VIENNA31001$4,816.48
LEARY31002$4,885.32
TRENTON31003$4,988.07
DALTON31004$5,230.22
MOUNT VERNON31005$4,575.65
MENLO31006$4,889.24
TYBEE ISLAND31007$4,769.18
GAINESVILLE31008$4,675.45
EPWORTH31009$4,742.15
BISHOP31011$4,774.66
CHAUNCEY31012$4,615.63
CANTON31013$4,730.49
MONTEZUMA31014$4,854.06
GLENWOOD31015$4,382.24
CLAXTON31016$5,050.99
GAINESVILLE31017$5,002.39
BOWERSVILLE31018$4,853.53
BYROMVILLE31019$4,698.18
BLYTHE31020$5,297.37
DENTON31021$4,461.93
PRESTON31022$4,832.07
SAVANNAH31023$4,725.36
RISING FAWN31024$4,626.41
BOSTWICK31025$4,681.83
STATESBORO31027$4,410.93
MC RAE31028$4,665.24
EDEN31029$5,272.83
UNADILLA31030$4,701.33
SCOTLAND31031$5,101.93
PINEHURST31032$5,294.02
HAZLEHURST31033$5,217.94
STATESBORO31035$4,862.66
MINERAL BLUFF31036$4,894.48
PORTAL31037$4,820.63
NICHOLSON31038$5,145.73
GAINESVILLE31039$4,972.28
OAKWOOD31041$4,816.97
CHESTNUT MOUNTAIN31042$5,041.74
CANON31044$5,098.59
COBB31045$4,820.39
REGISTER31046$5,171.24
FORT STEWART31047$4,559.27
DEARING31049$4,875.33
CADWELL31050$4,684.28
WILDWOOD31051$4,652.70
PENDERGRASS31052$4,928.27
HINESVILLE31054$5,211.05
HIGH SHOALS31055$4,756.02
CLINCHFIELD31057$4,725.45
FARMINGTON31058$4,893.76
BOWMAN31060$4,810.39
GRAYSVILLE31061$4,916.04
MARSHALLVILLE31062$4,916.04
AUGUSTA31063$4,773.94
EASTMAN31064$5,089.74
DOERUN31065$4,948.86
SUCHES31066$5,036.55
DEWY ROSE31067$5,030.14
DE SOTO31068$4,784.43
FORT GAINES31069$4,540.54
CARLTON31070$4,753.45
PLAINS31071$4,882.36
SMITHVILLE31072$4,326.20
CHICKAMAUGA31075$4,697.80
PARROTT31076$4,846.40
ALLENHURST31077$4,837.37
SHARON31078$4,865.81
ALMA31079$4,205.41
BLUFFTON31081$4,840.77
EVANS31082$4,915.53
FLEMING31083$4,753.68
TALMO31084$4,945.85
SHARPSBURG31085$4,996.34
ARLINGTON31086$4,946.84
FLINTSTONE31087$4,978.68
BALDWIN31088$4,669.58
LOOKOUT MOUNTAIN31089$4,873.26
AUGUSTA31090$4,983.70
ATHENS31091$4,754.81
FORT VALLEY31092$4,782.34
DEXTER31093$4,660.23
TRION31094$4,853.43
RENTZ31096$4,907.46
AUGUSTA31097$4,981.78
DAWSONVILLE31098$4,644.45
HARTSFIELD31201$5,121.66
WESTON31204$5,015.73
FORT OGLETHORPE31206$5,039.42
COLLINS31207$5,082.36
COBBTOWN31210$5,029.31
LESLIE31211$5,079.86
NICHOLLS31216$5,012.64
REIDSVILLE31217$5,142.90
AUGUSTA31220$5,063.83
CHATSWORTH31301$4,713.70
RINGGOLD31302$4,989.34
RICHMOND HILL31303$4,964.77
NEWTON31304$4,509.62
MANASSAS31305$4,461.61
KNOXVILLE31307$4,755.71
LAVONIA31308$4,865.65
ORCHARD HILL31309$4,710.44
ELKO31312$4,973.50
AUGUSTA31313$4,736.32
AILEY31314$4,863.11
HARTWELL31315$4,742.67
MORGAN31316$4,550.57
TIGNALL31318$4,806.68
GLENNVILLE31319$4,618.27
BYRON31320$4,633.86
RICHLAND31321$4,836.61
LENOX31322$4,999.18
SALE CITY31323$4,591.60
CARNESVILLE31324$4,686.78
BONEVILLE31326$4,950.47
WARNER ROBINS31327$4,808.33
LUMPKIN31328$4,776.83
EDISON31329$4,955.89
SHELLMAN31331$4,510.33
ROCK SPRING31401$5,375.74
OCILLA31404$5,135.07
BAXLEY31405$5,385.07
AUGUSTA31406$4,931.25
CENTERVILLE31407$5,107.06
COLEMAN31408$5,165.70
ALBANY31409$5,292.92
SURRENCY31410$4,795.20
BRISTOL31411$4,920.99
WARNER ROBINS31415$5,358.31
SASSER31419$4,762.20
BAINBRIDGE31421$5,036.70
BLAKELY31501$4,565.04
BROXTON31503$4,585.05
NEWNAN31510$4,712.64
RUTLEDGE31512$4,650.32
DEMOREST31513$4,665.90
LOUVALE31516$4,634.25
CLIMAX31518$4,661.10
MEIGS31519$4,657.91
LILLY31520$4,418.13
TOCCOA FALLS31522$4,390.10
BRINSON31523$4,392.66
LA FAYETTE31525$4,375.96
AMBROSE31527$4,379.69
OCHLOCKNEE31532$4,763.84
OMAHA31533$4,625.66
ROYSTON31535$4,588.40
SCREVEN31537$4,522.00
DONALSONVILLE31539$4,752.41
WARNER ROBINS31542$4,606.38
AMERICUS31543$4,414.33
BAINBRIDGE31544$4,853.81
PEACHTREE CITY31545$4,608.00
SAUTEE NACOOCHEE31546$4,491.30
MERSHON31547$4,303.48
WEST GREEN31548$4,385.25
COLBERT31549$4,795.64
GEORGETOWN31550$4,537.77
COMER31551$4,639.04
TIGER31552$4,533.03
DAWSON31553$4,558.52
CUTHBERT31554$4,689.06
BLACKSHEAR31555$4,624.09
MIDWAY31556$4,618.40
WARESBORO31557$4,612.70
HULL31558$4,291.24
DAMASCUS31560$4,646.85
ANDERSONVILLE31561$4,393.71
EATONTON31562$4,577.63
ROSSVILLE31563$4,661.54
DOUGLAS31564$4,633.06
MORRIS31565$4,357.23
ODUM31566$4,467.14
HELEN31567$4,636.96
NEWNAN31568$4,329.49
CLEVELAND31569$4,296.42
FOWLSTOWN31601$4,058.10
IRON CITY31602$4,044.80
OFFERMAN31605$3,977.77
MERIDIAN31606$4,020.26
COLQUITT31620$4,247.91
CLARKESVILLE31622$4,588.77
CHESTER31623$4,481.14
LAKEMONT31624$4,569.54
PATTERSON31625$4,079.37
AMERICUS31626$4,210.42
CAIRO31627$4,244.75
WHIGHAM31629$4,206.31
JAKIN31630$4,447.20
JESUP31631$4,502.67
HOBOKEN31632$4,022.80
WILEY31634$4,474.11
ENIGMA31635$4,435.56
WINTERVILLE31636$4,332.22
ELLENTON31637$4,672.96
SPARKS31638$4,093.21
ALBANY31639$4,568.87
WILLACOOCHEE31641$4,420.18
BACONTON31642$4,572.42
RICEBORO31643$4,095.01
ILA31645$4,371.69
ALAPAHA31647$4,597.84
CAMILLA31648$4,486.13
DOUGLAS31649$4,420.23
MOUNT AIRY31650$4,595.14
WAYCROSS31698$4,030.81
BOGART31699$3,976.82
HIAWASSEE31701$4,661.60
SAINT GEORGE31705$4,496.95
BONAIRE31707$4,596.88
PEARSON31709$4,612.35
MADISON31711$4,627.79
AXSON31712$4,343.61
NASHVILLE31714$4,295.11
AUGUSTA31716$4,591.89
ATTAPULGUS31719$4,643.72
WAYCROSS31720$4,540.85
ALBANY31721$4,563.44
CORNELIA31722$4,538.75
KATHLEEN31727$4,501.63
NAHUNTA31730$4,588.59
TOCCOA31733$4,305.51
GROVETOWN31735$4,744.26
WATKINSVILLE31738$4,289.46
WRAY31739$4,446.65
LUDOWICI31743$4,719.84
YOUNG HARRIS31744$4,723.90
BARWICK31747$4,600.45
BUCKHEAD31749$4,602.75
PERRY31750$4,197.86
BERLIN31756$4,695.27
MANOR31757$4,236.28
GREENSBORO31763$4,513.29
ATHENS31764$4,690.32
MILLWOOD31765$4,653.86
TURNERVILLE31768$4,329.23
SILOAM31769$4,308.54
DANIELSVILLE31771$4,303.76
ATHENS31772$4,466.26
FOLKSTON31773$4,649.76
BLAIRSVILLE31774$4,667.01
LEESBURG31775$4,338.14
EASTANOLLEE31778$4,284.48
TOWNSEND31779$4,508.98
CRESCENT31780$4,714.88
PELHAM31781$4,458.16
FARGO31783$4,202.67
BROOKFIELD31784$4,672.47
ALBANY31787$4,714.77
JESUP31788$4,310.47
STATENVILLE31789$4,377.38
ATHENS31790$4,326.14
ARGYLE31791$4,448.80
HOMERVILLE31792$4,231.01
WAYNESVILLE31793$4,300.63
ROCKLEDGE31794$4,337.12
OAKFIELD31795$4,301.61
DUBLIN31796$4,395.02
DARIEN31798$4,557.10
POULAN31801$4,918.32
CEDAR SPRINGS31803$4,844.66
ATHENS31804$4,812.62
SYLVESTER31805$4,917.42
DU PONT31806$4,869.45
COTTON31807$4,814.42
ATHENS31808$5,058.24
LAKELAND31810$4,945.45
STOCKTON31811$4,886.34
NAYLOR31812$4,952.36
BRUNSWICK31814$4,655.97
HORTENSE31815$4,669.56
EAST DUBLIN31816$5,058.29
LYONS31820$5,247.46
WARWICK31821$4,649.73
SEA ISLAND31822$4,921.48
BRUNSWICK31823$4,925.21
SAINT SIMONS ISLAND31824$4,762.60
KINGSLAND31825$4,674.38
CORDELE31826$4,915.04
JEKYLL ISLAND31827$4,940.93
SUMNER31829$5,053.92
BRUNSWICK31830$4,932.76
VIDALIA31831$4,884.10
RAY CITY31832$4,694.52
WAVERLY31833$4,964.51
ARABI31836$4,937.03
OMEGA31901$4,914.17
TIFTON31903$5,037.10
LAKE PARK31904$5,080.59
CALVARY31905$5,023.47
WHITE OAK31906$4,955.05
MOULTRIE31907$4,925.60
PITTS31909$4,927.88
SYCAMORE39813$4,708.81
CAIRO39815$4,567.26
MOULTRIE39817$4,643.66
MYSTIC39819$4,659.18
CHULA39823$4,658.51
NORMAN PARK39824$4,712.02
KINGS BAY39825$4,651.02
TY TY39826$4,836.75
TIFTON39827$4,609.95
WOODBINE39828$4,325.82
ASHBURN39829$4,331.84
SAINT MARYS39832$4,457.55
COOLIDGE39834$4,654.37
PAVO39836$4,664.14
ADEL39837$4,617.45
CECIL39840$4,634.36
THOMASVILLE39841$4,628.47
THOMASVILLE39842$4,634.48
BOSTON39845$4,646.72
DIXIE39846$4,668.10
ROCHELLE39851$4,718.44
REBECCA39852$4,621.44
FITZGERALD39854$4,635.97
QUITMAN39859$4,618.61
MORVEN39861$4,608.88
BARNEY39862$4,781.89
VALDOSTA39866$4,678.08
VALDOSTA39867$4,625.58
VALDOSTA39870$4,684.81
HAHIRA39877$4,714.03
VALDOSTA39885$4,660.19
VALDOSTA39886$4,668.10
MOODY A F B39897$4,609.88

Best Georgia Car Insurance Companies

There are so many car insurance companies out there that it can feel extremely overwhelming. Especially when they’re all competing for your business.

In this section, we’ll touch on some of the best car insurance companies in Georgia based on factors such as their financial ratings, their complaint index, and more.

– Largest Companies Financial Rating

What does it say about an insurance company if they’re looking at your financial health, but they don’t have very good financial health themselves? Nothing good for them.

In the table below, we’ve gone through and listed the ten largest car insurance companies in Georgia with their financial ratings. The higher the rating, the better that company’s financial health is.

Providers (Listed by Size, Largest at the Top):A.M. Best Rating:
State FarmA++
Berkshire HathawayA++
ProgressiveA+
AllstateA+
United Service Automobile AssociationA++
Liberty MutualA
NationwideA+
TravelersA++
Georgia Farm BureauB+
Auto OwnersA++

– Companies with Best Ratings

As a consumer, you will naturally want to find a company that has been well received by other customers. It’s the nature of business. If you hear a company has really good customer satisfaction, chances are you’ll give it more of a chance, as it helps you know how people such as yourself are treated by such a company.

Well, J.D. Powers and Associates performed an overall customer satisfaction index ranking for the various regions across the United States. The chart displayed down below is the satisfaction index ranking for the southeast region, where Georgia falls.

JD Power for southeast region

– Companies with Most Complaints in Georgia

Just like we mentioned above, how satisfied other customers are with a company can be indicative of what you can expect should you chose to have a policy with that company.

We’ve shown you the best customer satisfaction in Georgia, but what about the companies with the most complaints?

Top Providers by Market Share in GAComplaints 2018Complaints 2017Complaints 2016Complaints 2015
State Farm1266155092746559
Geico247354283243
Progressive0243
Allstate9161817
USAA273351340282
Liberty Mutual191381
Nationwide0363
Travelers4251
Georgia Farm Bureau16162319
Auto-Owners81101100123

– Cheapest Companies in Georgia

CompanyAverageCompared to State AveragePercent Compared to State Average
Allstate F&C$4,210.70-$756.13-17.96%
Geico General$2,977.19-$1,989.64-66.83%
Safeco Ins Co of IL$10,053.44$5,086.6150.60%
Nationwide Mutual$6,484.90$1,518.0723.41%
Progressive Mountain$4,499.22-$467.61-10.39%
State Farm Mutual Auto$3,384.88-$1,581.95-46.74%
USAA$3,157.46-$1,809.37-57.30%

– Commute Rates by Companies

Group10 miles commute/6000 annual mileage.25 miles commute/ 12000 annual mileage
Liberty Mutual$10,053.44$10,053.44
Nationwide$6,484.90$6,484.90
Progressive$4,499.22$4,499.22
Allstate$4,115.26$4,306.14
State Farm$3,384.88$3,384.88
USAA$3,013.71$3,301.21
Geico$2,926.71$3,027.68

– Coverage Level Rates by Companies

GroupHighMediumLow
Allstate$4,496.20$4,254.86$3,881.04
Geico$3,175.82$2,991.78$2,763.97
Liberty Mutual$10,524.93$9,998.75$9,636.66
Nationwide$6,518.06$6,602.52$6,334.12
Progressive$4,949.64$4,426.83$4,121.20
State Farm$3,599.32$3,387.35$3,167.98
USAA$3,317.90$3,141.23$3,013.26

– Credit History Rates by Companies

GroupPoorFairGood
Allstate$5,456.39$3,792.84$3,382.87
Geico$3,780.93$2,607.81$2,542.83
Liberty Mutual$14,403.23$8,834.05$6,923.06
Nationwide$7,719.34$6,258.58$5,476.79
Progressive$5,074.80$4,376.95$4,045.92
State Farm$4,798.23$2,988.35$2,368.08
USAA$4,110.85$2,892.23$2,469.31

– Driving Record Rates by Companies

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Allstate$3,465.70$3,647.83$5,365.97$4,363.29
Geico$1,991.22$2,244.40$2,493.90$5,179.25
Liberty Mutual$7,632.75$10,164.83$10,428.16$11,988.03
Nationwide$4,993.04$6,053.51$5,859.64$9,033.42
Progressive$3,524.11$4,102.75$6,212.74$4,157.29
State Farm$3,084.80$3,384.88$3,684.98$3,384.88
USAA$2,416.20$2,693.63$3,058.95$4,461.07

– Largest Car Insurance Companies in Georgia

RankCompany/Group NameDirect Premiums WrittenLoss RatioMarket Share
1State Farm Group$1,937,80668.72%22.49%
2Geico$1,051,00581.23%12.20%
3Progressive Group$1,001,82863.09%11.63%
4Allstate Insurance Group$820,47951.96%9.52%
5USAA Group$706,27691.01%8.20%
6Liberty Mutual Group$335,54066.84%3.89%
7Nationwide Corp Group$267,97177.10%3.11%
8Travelers Group$266,86471.60%3.10%
9Georgia Farm Bureau Group$261,43264.70%3.03%
10Auto-Owners Group$224,70570.36%2.61%

– Number of Insurers

When it comes to the different types of car insurance providers, there are two that you need to know about. Domestic providers and Foreign providers.

  • Domestic Providers are insurance companies that provide coverage for only citizens of the state it is local to (so think of that little local company)
  • Foreign Providers are insurance companies that provide coverage for citizens of many different states and have offices in many states (think of the larger providers such as Geico, Allstate, etc.)

So how many of each of these providers do you have in Georgia? Well, there are currently 23 domestic providers and 988 foreign providers.

With this in mind, it gives you a large number of choices to choose from.

Georgia State Laws

In this section, we’ll move on to some of the laws specific to this beautiful southern state. We’ll cover topics such as specific Georgia car insurance laws, safety laws, and more.

Keep reading to learn more.

– Car insurance Laws

In Georgia, there are specific laws that both you, and car insurance providers, have to follow. So in order to prevent yourself from getting any tickets or fines for laws you didn’t even know existed, read all of the car insurance laws you’ll need to know below.

– How State Laws for Insurance are Determined

When it comes to how insurance laws are determined, according to the National Association of Insurance Commissioners (NAIC):

“Regarding rate filings, prior approval for statutory coverages only; all other coverages will be file and use. Regarding form filings, prior approval – Directive 91-PC-23 is filing standard for loss cost.”

– Windshield Coverage

One type of coverage a lot of people don’t think about is Windshield coverage. Should you ever crack or break your windshield, this coverage can really come in handy.

In Georgia, if you should have to repair/replace your windshield, your provider can use aftermarket parts in order to fix the damages, as long as you agree to it that is. You also have the option of using OEM parts, however, you will be responsible for the difference in price should you chose this option.

– High-Risk Insurance

If you have a less than stellar driving record, chances are you’ve been labeled as something known as a high-risk driver. If so, you also have probably had a hard time trying to find insurance coverage.

In Georgia, if you are considered a high-risk driver, you will need to file for something known as an SR22A form.

If you have had any of the following issues, you may be required to carry this form with you in order to legally drive:

  • Involved in an accident without insurance
  • License suspension/revocation due to a DUI
  • Labeled as a negligent driver
  • Too many points on your driving record.

Another option for high-risk drivers is through something known as the Georgia Automobile Insurance Plan (GAIP). Through this plan, the program will assign you to an insurance provider, who will then have to provide you with coverage.

The catch to this, however, is that because this is typically used as a last resort, the insurance provider can charge whatever rate they want. So our advice is to only utilize this plan if you can’t get another provider to willingly provide you with insurance coverage.

– Automobile Insurance Fraud in Georgia

According to the Insurance Information Institute (III), approximately $30 billion each year is lost due to property/casualty fraud. As such, insurance fraud is considered a crime in all states across the nation.

Georgia and Insurance Fraudyes/no
Insurance Fraud Classified as a Crime
yes
Immunity Statues
yes
Fraud Bureau
yes
Mandatory Insurer Fraud Plan
no
Mandatory Auto Photo Inspection
no

You can face some serious penalties if you commit this crime, so our advice is don’t commit insurance fraud.

– Statute of Limitations

What is the statute of limitations? Well, it is essentially defined as the amount of time you have to make a claim in the case of an accident in which there were injuries or property damage.

This law is to help protect yourself, and the person in which you are filing a claim against. So how much time do you have in Georgia?

For personal injury claims, you have two years. For property damage claims, you have four years.

– Vehicle Licensing Laws

Every driver is required to have a driver’s license. So, naturally, there are specific laws that you’ll need to follow regarding this.

– Penalties for Driving Without Insurance

As we’ve stated many times previously, you are required to have at least the minimum liability insurance in order to legally drive. If you are caught without it, you could be facing the following penalties according to the state of Georgia’s Department of Revenue:

You will receive a suspended registration with a $25 lapse fee as well as a $60 reinstatement fee. You will also need to pay any other registration fees and vehicle ad valorem taxes due

– Teen Driver Laws

Teen drivers have a few restrictions and rules for them as they’re getting used to the new terrain of the open road.

Young Driver Licensing SystemFirst RequirementSecond RequirementThird Requirement
To get a learners license you must:Have a minimum age of 15
Before getting a license or restricted license you must:Have a mandatory holding period of 12 monthsHave a minimum supervised driving time of 40 hours, 6 of which must be at nightHave a minimum age of 16
Restrictions during intermediate or restricted license stage:Nighttime restrictions – midnight-5 a.m. secondary enforcementPassenger restrictions (family members excepted unless otherwise noted) – first 6 months—no passengers; second 6 months—no more than 1 passenger younger than 21; thereafter, no more than 3 passengers secondary enforcement
Minimum age at which restrictions may be lifted:Nighttime restrictions – until age 18 (min. age: 18)Passenger restrictions – until age 18 (min. age: 18)

– License Renewal Procedures

The following license renewal procedures are required for Georgia citizens according to the Insurance Institute for Highway Safety (IIHS).

 General PopulationOlder Population
License RenewalEvery 8 yearsEvery 8 years
Proof of Adequate VisionEvery renewalEvery renewal
Mail or Online Renewal PermittedOnline, every other renewalNot permitted for individuals 64 years and older

– New Residents

Want to be a country gal/guy? Thinking of making Georgia your home? If you are, there are a few important things you’ll want to make note of.

Georgia doesn’t have a traditional DMV. Instead, they have two agencies that handle motor vehicle issues; the Department of Driver Services (DDS) and the Department of Revenue (DOR).

The Department of Driver Services handles issues such as licensing, permits, and ID Cards. The Department of Revenue handles issues such as registration, taxes, and plates.

So when you make Georgia your home, make sure you stop by both establishments to get all of the documentation you need.

– Rules of the Road

We’ll move on now to some of the specific rules of the road for Georgia.

– Fault Versus No-Fault

As we mentioned previously, Georgia is an “at-fault” state.

This means that if you’re the one who causes an accident, YOU’RE the one who is held liable for any damages/injuries that occurs during that accident.

This is where having really good coverage is going to benefit you!

– Child Safety Laws

There are laws in every state that drivers have to adhere to if they have children in the vehicle.

According to the IIHS, child restraints are required in Georgia for all children who are 7 years and younger, or who are 57 inches or less. If they are over 57 inches, they are required to wear an adult safety belt.

If you are caught without properly restraining a child in the vehicle, a first offense can cost you up to $50 in fines and can increase on repeat offenses.

– Keep Right and Move Over Laws

These two laws are some of the most simple ones you’ll need to know.

Keep right laws just mean that if you are going slower than the rest of traffic, move into the left lane.

Move over laws are laws that require you to move your vehicle out of the way of emergency vehicles. If you violate this, it is considered a moving violation with a ticket price of $500.

– Speed Limits

Speed limits are put into place to keep drivers safe. Drive too fast on a particular road, and you could end up in an accident. That’s why following the posted speed limits are so important.

The following are some of the speed limits known in the state of Georgia according to the Insurance Institute for Highway Safety (IIHS):

  • Rural Interstates: 70 mph
  • Urban Interstates: 70 mph
  • Other Limited Access Roads: 65 mph
  • Other Roads: 65 mph

– Ridesharing

There a high likelihood that you’ve at least heard of ridesharing companies such as Uber and Lyft. They are a useful resource and make for easy transportation should you ever need it.

Not only are they valuable in a pinch, but if you ever need to earn a couple of bucks, you can also work for these companies, and many people in some of the larger cities do.

With this said, in order to work for any of these companies, you will need to have some form of ridesharing insurance coverage, ON TOP OF your current insurance policy.

In Georgia, the following companies offer some form of ridesharing coverage:

  • Allstate
  • Farmers
  • Geico
  • State Farm
  • USAA

If you don’t have a policy with any of these providers, chances are if you want to work for a ridesharing service, you will need to get an additional policy with this coverage.

Georgia takes riders for these services very seriously. There was even a law passed in Georgia, back in 2015, in which ridesharing companies are now required to carry a minimum of $1 million in coverage for “personal injury accident claims, property damage, and death.”

– Automation on the Road

You may read the title of this section and ask yourself what in the world this means. Well, according to IIHS, automation on the road is defined as:

“Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human.”

In other words? Any vehicle that is self-driving is considered an automated vehicle. So what does this mean for you down in gorgeous Georgia?

Well, Georgia has already started to deploy automated vehicles on the road. They do not require a licensed operator while an automated system is activated, however, Georgia does require that “the amount of liability insurance must be equivalent to 250 percent of what is required under existing insurance law…”

– Safety Laws

Finally, in this section of state laws, we’ll discuss some of the safety laws for drivers in Georgia. These laws are especially important, as they are designed to not only keep you safe on the road, but to keep others safe on the road as well.

– DUI Laws

Drinking and driving is known to be one of the most lethal causes of accidents across the nation. Should you chose to drink and drive in Georgia, you could be facing some severe consequences.

Georgia's DUI LawsLaws
BAC Limit0.08
High BAC Limit0.15
Criminal Status by Offense1st-2nd misdemeanors, 3rd high and aggravated misdemeanor, 4th+ felony
Formal Name for OffenseDriving Under the Influence (DUI)
Look back Period/Washout Period10 years
1st Offense - ALS or Revocation120 days minimum up to 1 year
1st Offense - Imprisonment10 days - 12 months, can all be suspended at judge's discretion unless HBAC, then all but 24 hours can be suspended
1st Offense - Fine$300-$1000
1st Offense - Other20-40 hours community service
2nd Offense - DL Revocation3 years
2nd Offense - Imprisonment90 days - 12 months; mandatory 72 hours for 2nd in 10 years, otherwise can be probated
2nd Offense - Fine$600-$1000
2nd Offense - Other30 days community service min, IID 6 months min, evaluation and treatment program mandatory, mandatory DUI school, photo of offender must be published in local newspaper
3rd Offense - DL Revocation5 years
3rd Offense - Imprisonment120 days - 12 months; sentence can be probated unless 3rd in 10 years, then 15 days mandatory incarceration
3rd Offense - Fine$1000-$5000
3rd Offense - Othermin 30 days community service, 6 months IID, DUI school required, photo of offender must be published in local newspaper
4th Offense - Imprisonment1-5 years, sentence can be probated to 90 days mandatory minimum
4th Offense - Fine$1000-$5000
4th Offense - Other60 days community service, can be suspended if 3 years jail term served, 6 months IID min
Mandatory Interlockrepeat offenders

According to Responsibility.org, the total of alcohol-impaired driving fatalities in 2017 was 366. This is a staggering number that can be prevented if you simply do not drink and drive.

– Marijuana-Impaired Driving Laws

Many states across the nation have started to legalize marijuana, calling into question as to what kind of laws should be around this substance and driving.

Currently, Georgia does not have any laws specific to marijuana and driving. However, Georgia also has a zero-tolerance policy for THC and metabolites, so even having it on you can land you in a lot of trouble.

– Distracted Driving Laws

Every driver can become distracted from time to time while on the road. What has become a problem recently, however, has been the increased popularity of mobile and hand-held devices. Even a second looking down at your phone is a second away from the road.

For this reason, Georgia has the following restrictions according to IIHS:

  • Hand-Held ban for ALL drivers
  • Ban on cellphone use for ALL drivers (due to House Bill 673 which became effective on July 1, 2018)
  • Texting ban for ALL drivers
  • Primary enforcement for all of the above. This means that if a police officer sees you while you’re using your device in the car, they can pull you over and give you a ticket for it.

Georgia Can’t-Miss Facts

Down to the last section! Final stretch! Here, we’ll go over some final facts and statistics about driving in Georgia that you absolutely can’t miss.

We’ll cover topics such as the specific statistics of the various road dangers in Georgia, transportation facts, and more.

We’re almost there, so keep reading.

– Vehicle Thefts

Vehicle thefts are unfortunately an issue of owning a vehicle in modern times.

Make/ModelYearNumber of Thefts
Honda Accord19971,052
Ford Pickup (Full Size)2006954
Chevrolet Pickup (Full Size)1999948
Honda Civic2000653
Toyota Camry2014568
Chevrolet Impala2008512
Nissan Altima2014484
Dodge Pickup (Full Size)2003452
Jeep Cherokee/Grand Cherokee2001449
Dodge Caravan2002425

The table above displays the ten most popular vehicles to be stolen in the state of Georgia. To further assist you in keeping your vehicle safe, we’ve collected data from a study done by the FBI on number of vehicle thefts in all of the cities in Georgia. Check the table out below to see where your city’s number is.

CityPopulationNumber of Motor
vehicle
theft
Abbeville2,7360
Acworth22,74723
Adairsville4,84417
Adel5,35912
Alamo3,4371
Alapaha6610
Albany73,209189
Alma3,57012
Alpharetta66,71135
Alto1,1630
Aragon1,2412
Arcade1,8114
Arlington1,3652
Ashburn3,6749
Athens-Clarke County124,903230
Atlanta481,3433,297
Attapulgus4290
Auburn7,69814
Avondale Estates3,1834
Bainbridge12,20817
Baldwin3,3080
Ball Ground2,0031
Barnesville6,69613
Baxley4,7527
Berlin5600
Blackshear3,6206
Blairsville5690
Blakely4,6493
Bloomingdale2,72910
Blue Ridge1,4001
Blythe6890
Bowdon2,1060
Braselton10,7618
Braswell3910
Bremen6,45317
Brookhaven52,973125
Brooklet1,5470
Brunswick16,50044
Buchanan1,1483
Buena Vista2,1320
Butler1,8541
Byron5,22810
Cairo9,5587
Calhoun16,55716
Camilla5,17612
Canon8040
Canton26,89730
Carrollton26,95153
Cartersville20,91857
Cave Spring1,1450
Cedartown9,80632
Centerville7,6897
Chamblee28,55878
Chattahoochee Hills2,8773
Clarkesville1,7770
Clarkston12,84941
Claxton2,2842
Clayton2,2850
Cleveland3,9126
Cochran5,0296
College Park15,134229
Columbus198,832704
Commerce6,82611
Conyers16,03461
Coolidge5290
Cordele10,81230
Cornelia4,2826
Covington14,12249
Cumming6,36516
Cuthbert3,6350
Dallas13,37320
Dalton34,22873
Danielsville5881
Darien1,8302
Davisboro1,6590
Dawson4,2496
Decatur23,37827
Demorest2,0941
Dillard3360
Doerun7690
Donalsonville2,6355
Doraville10,59371
Douglasville33,64085
Dublin16,08630
Duluth29,79533
Dunwoody49,32192
East Ellijay5613
Eastman5,09314
East Point35,740493
Eatonton6,5682
Elberton4,3976
Ellaville1,8560
Ellijay1,7052
Emerson1,5795
Enigma1,3004
Ephesus4180
Eton8960
Fairburn14,37071
Fairmount7412
Fayetteville17,74914
Fitzgerald8,90217
Flowery Branch7,3171
Folkston4,7955
Forest Park19,948139
Forsyth4,1695
Fort Oglethorpe9,93522
Fort Valley8,46514
Franklin9591
Franklin Springs1,1600
Gainesville40,836104
Garden City38,9325
Glennville5,0865
Gordon1,9433
Graham3000
Grantville3,2265
Greenville8523
Griffin22,87851
Grovetown13,84113
Guyton1,9281
Hagan9670
Hampton7,6239
Hapeville6,665101
Harlem3,0771
Hartwell4,5118
Hazlehurst4,1786
Helen5473
Hephzibah3,8790
Hiawassee9213
Hiram3,95425
Hoboken5250
Hogansville3,1572
Holly Springs11,6537
Homeland8550
Homerville2,4515
Irwinton5650
Ivey9110
Jackson5,0715
Jasper3,84112
Jefferson10,65810
Jesup10,17032
Johns Creek85,04818
Jonesboro4,73116
Kennesaw34,15423
Kingsland16,85225
Kingston6570
LaGrange30,98171
Lake City2,81119
Lakeland3,2847
Lake Park7241
Lavonia2,1701
Lawrenceville31,18346
Leary5730
Leslie3800
Lilburn12,84422
Lithonia2,09816
Locust Grove6,02814
Loganville11,88721
Lookout Mountain1,5734
Louisville2,3660
Ludowici2,2443
Lumber City1,2551
Lumpkin1,0830
Lyons4,3653
Madison4,0726
Manchester4,0344
Marietta61,646182
Marshallville1,2921
Maysville1,9011
McDonough24,27847
McIntyre6110
McRae-Helena8,2952
Metter4,0666
Midville2620
Midway1,9836
Milledgeville19,05120
Millen2,8537
Milton39,38811
Molena3710
Monroe13,57929
Montezuma3,0957
Morrow7,40073
Moultrie14,36528
Mountain City1,0730
Mount Airy1,3022
Mount Zion1,7720
Nahunta1,0470
Nashville4,8494
Newnan38,82568
Norcross17,06053
Norman Park9680
Oak Park4763
Ocilla3,6303
Oglethorpe1,1741
Omega1,2281
Oxford2,2394
Palmetto4,74413
Patterson7580
Peachtree City35,30078
Pelham3,6079
Pembroke2,5390
Pine Lake7673
Pine Mountain1,3853
Plains7270
Pooler24,60163
Porterdale1,5065
Port Wentworth8,45221
Powder Springs15,12713
Quitman3,88414
Remerton1,1227
Reynolds1,0162
Rincon10,1019
Ringgold4,40314
Riverdale16,43587
Rochelle1,1010
Rockmart4,31713
Rome36,36661
Roswell95,602109
Sale City3430
Sandersville5,6696
Sandy Springs107,740178
Sardis9714
Savannah-Chatham Metropolitan242,941940
Screven7781
Senoia4,2831
Shiloh4620
Smyrna57,576226
Snellville19,98232
Social Circle4,4903
Sparks1,9943
Sparta1,2641
Springfield4,3080
Statesboro31,93736
Stone Mountain6,41331
Summerville4,3371
Suwanee20,18622
Swainsboro7,5226
Sylvania2,5144
Talbotton8342
Tallapoosa3,1894
Temple4,40310
Tennille1,9142
Thomasville18,86621
Thunderbolt2,7109
Tifton16,90841
Toccoa8,3928
Trenton2,2481
Tunnel Hill8781
Tybee Island3,1344
Tyrone7,2601
Union City21,160336
Valdosta56,729232
Vidalia10,74313
Vienna3,6522
Villa Rica15,39829
Warner Robins75,323230
Warrenton1,7862
Warwick4070
Watkinsville2,8661
Waverly Hall7631
Waynesboro5,66915
West Point3,8215
Whitesburg6070
Willacoochee1,3670
Winder16,00619
Winterville1,2100
Woodland3510
Woodstock32,29321
Wrens2,0205

– Road Dangers in Georgia

As every driver knows, accidents happen. So do fatalities due to these accidents. So here, we’ll discuss some of the various road dangers you should know in Georgia and the fatality rates, taken from the National Highway Traffic Safety Association (NHSTA), associated with them.

TypeNumber of Fatalities
Traffic Fatalities1,540
Passenger Vehicle Occupant Fatalities
(All Seat Positions)
1,057
Motorcyclist Fatalities139
Drivers Involved in Fatal Crashes2,283
Pedestrian Fatalities253
Bicyclist and Other Cyclist Fatalities15

– Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal6901404484411,323
Rain447392092
Snow/Sleet301004
Other31141019
Unknown101002
TOTAL7411485034711,440

– Crashes by Road Type Fatalities

4 Year Trend2017201620152014
Rural573603565462
Urban702867953966

– Person Type Fatalities

Person TypeNumber
Occupants (Enclosed vehicles)1,127
Motorcyclists139
Nonoccupants274

– Crash Type Fatalities

Crash TypeNumber
Single Vehicle823
Involving a Large Truck214
Involving Speeding248
Involving a Rollover361
Involving a Roadway Departure769
Involving an Intersection (or Intersection Related)401

– Five-Year Trend For The Top 10 Counties

Georgia Counties by 2017 RankingCounty2013 Fatalities2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities
1Fulton County8577104130115
2Dekalb County7055838095
3Gwinnett County4555676166
4Cobb County5949495953
5Bibb County3123212834
6Cherokee County161212732
7Clayton County2621264832
8Richmond County2327271732
9Hall County1721333131
10Chatham County4426544429

– Speeding Fatalities by County

RankCountyFatalities 2016Deaths Per 100K Population 2016RankCountyFatalities 2016Deaths Per 100K Population 2016
1Glascock County266.8425Appling County15.41
2Baker County262.3426Long County15.38
3Miller County351.0127Pierce County15.2
4Stewart County117.0228Clayton County145
5Crawford County216.2729Washington County14.92
6Clinch County114.7330Liberty County34.89
7Screven County214.2531Dodge County14.8
8Meriwether County314.2432Columbia County74.75
9Brooks County212.7433Mcduffie County14.66
10Seminole County111.8434Putnam County14.64
11Marion County111.7535Jackson County34.62
12Cook County211.6436Bibb County74.57
13Bryan County411.1637Habersham County24.53
14Morgan County211.0438Franklin County14.48
15Early County19.7139Richmond County94.46
16Harris County38.9240Thomas County24.44
17Chattooga County28.0541Troup County34.3
18Decatur County27.4942Dawson County14.23
19Dooly County17.243Douglas County64.22
20White County26.9444Floyd County44.14
21Baldwin County36.6445Grady County14.02
22Jefferson County16.3346Hart County13.91
23Telfair County16.2447Bartow County43.87
24Pike County15.5848Monroe County13.72

– Alcohol-Impaired Driving Fatalities

County NameFatalities Per 100,000 PopulationCounty NameFatalities Per 100,000 Population
Baker County62.5Morgan County10.86
Talbot County48.01Appling County10.8
Taylor County36.85Brantley County10.68
Chattahoochee County29.01Long County10.52
Echols County25.41Pierce County10.36
Burke County22.2Early County9.71
Jasper County21.48Mcduffie County9.3
Stewart County16.71Evans County9.28
Washington County14.77Mitchell County8.97
Screven County14.33Pulaski County8.93
Mcintosh County14.18Colquitt County8.73
Randolph County14.13Towns County8.69
Putnam County13.81Chattooga County8.07
Emanuel County13.32Grady County8.06
Franklin County13.15Charlton County7.86
Dawson County12.31Macon County7.51
Marion County11.83Dooly County7.28
Hart County11.63Coffee County6.97
Stephens County11.59Madison County6.83
Terrell County11.46Rockdale County6.64
Camden County11.31Bulloch County6.57
Decatur County11.23Newton County6.48
Peach County11.07Pickens County6.33
Monroe County11.06Telfair County6.25
Dade County6.14

– Teen Drinking and Driving

Teen drinking and driving have become an increasing issue across the nation. The following statistics have been found about Georgia teens:

Teens and Drunk DrivingLimits
Alcohol-Impaired Driving Fatalities Per 100K Population1.0
Higher/Lower Than National Average (1.2)Lower
DUI Arrest (Under 18 years old)89
DUI Arrests (Under 18 years old) Total Per Million People35.44

Currently, Georgia is ranked as the 41st most dangerous state in the nation for teenage drinking and driving. While this may not seem that high on the chart, it is still an issue.

– EMS Response Time

TypeTime of Crash to EMS to NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital Arrival
Urban4.568.3433.4443.25
Rural5.8511.7543.7258.80

– Transportation

Almost there! A final push and you’ll reach the end of this guide! In this final stretch, we’ll go over some of the statistics of transportation in the state of Georgia.

– Car Ownership

The typical number of vehicles owned per household, according to Data USA, is two.

Car Ownership in Georgia

– Commute Time

How long does it usually take you to commute? Well, according to Data USA, the average commute time for Georgia citizens is 27.1 minutes. This is HIGHER than that national average of 25.5 minutes.

Commute Time in Georgia

– Commuter Transportation

According to Data USA, approximately 78.7 percent of Georgia drivers prefer to drive alone.

Commuter Transportation in Georgia

– Traffic Congestion in Georgia

Getting stuck in traffic is never any fun. It can cost you a lot of time, money, and energy trying to muddle through the various other drivers who are stuck on the road alongside you.

Georgia, as every state does, has a few cities that are more known for its traffic congestion than others.

CityHours in CongestionCommute in Traffic: PeakCommute in Traffic: DaytimeCommute in Traffic: Overall
Atlanta, GA7017%9%10%
Savannah, GA147%6%7%
Athens, GA127%6%6%
Gainesville, GA127%6%5%
Buford, GA85%6%5%
Columbus, GA84%3%4%
Augusta, GA74%3%3%
Macon, GA74%3%3%

According to several notable indexes such as the INRIX scorecard, TomTom, and Numbeo; Atlanta is particularly notorious for traffic congestion.

INRIX Scorecard City2018 IMPACT RANK (2017)HOURS LOST IN CONGESTION (2017)YEAR OVER YEAR CHANGECOST OF CONGESTION (PER DRIVER)INNER CITY TRAVEL TIME (MINUTES)INNER CITY LAST MILE SPEED (MPH)
Atlanta, GA71 (69)108 (99)10%$1,505414
TomTom Index - Atlanta, GADetails
World Rank164
Congestion Level26%
Extra Travel Time+14 minutes (per 30 minute trip in the morning)
+19 minutes (per 30 minute trip in the evening)
Morning Peak46%
Evening Peak62%
Highways23%
Non-Highways28%
Numbeo Index - Atlanta, GADetails
Rank3
Traffic Index217.66
Time Index (in minutes)44.22
Time Exp. Index3132.20
Inefficiency Index247.76
CO2 Emission Index10350.42

You did it! You’ve made to the end! We hope that this comprehensive guide was helpful to you, and was able to give you the confidence you need to select the best coverage and rates to fit YOUR needs.

Want to start comparing rates in your area now? Don’t forget to use our FREE online tool below, all you need is your zip code.

References:
  1. https://www.nolo.com/legal-encyclopedia/georgia-car-insurance-requirements.html
  2. https://mvd.dor.ga.gov/geics/
  3. https://dor.georgia.gov/
  4. https://www.statista.com/statistics/306005/georgia-disposable-persona-income/
  5. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  6. http://naic.org/
  7. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  8. https://www.autoinsurance.org/where-can-i-compare-several-affordable-auto-insurance-rates/
  9. https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study
  10. https://www.naic.org/
  11. http://www.carwindshields.info/states
  12. https://www.dmv.org/ga-georgia/car-insurance.php
  13. https://www.aipso.com/Plan-Sites/Georgia
  14. https://www.iii.org/article/background-on-insurance-fraud
  15. https://statelaws.findlaw.com/georgia-law/georgia-civil-statute-of-limitations-laws.html
  16. https://dor.georgia.gov/registration-suspensionreinstatement
  17. https://www.iihs.org/
  18. https://georgia.gov/agencies/georgia-department-driver-services
  19. https://georgia.gov/agencies/georgia-department-revenue-motor-vehicle-division
  20. https://www.geico.com/information/states/ga/
  21. https://www.iihs.org/topics/speed/speed-limit-laws
  22. https://www.attorneybigalatlanta.com/blog/2017/07/what-does-georgia-law-say-about-rideshare-insurance/
  23. https://www.iihs.org/topics/advanced-driver-assistance/autonomous-vehicle-laws
  24. https://www.responsibility.org/alcohol-statistics/state-map/state/georgia/
  25. https://www.responsibility.org/alcohol-statistics/state-map/state/georgia/issue/marijuana-drug-impaired-driving-laws/
  26. https://www.iihs.org/topics/distracted-driving/cellphone-use-laws
  27. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/georgia.xls
  28. https://cdan.nhtsa.gov/SASStoredProcess/guest
  29. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
  30. https://datausa.io/profile/geo/georgia/#category_transportation
  31. http://inrix.com/scorecard/
  32. https://www.tomtom.com/en_gb/traffic-index/ranking/
  33. https://www.numbeo.com/traffic/region_rankings.jsp?title=2019&region=021

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