Georgia Auto Insurance [Rates + Cheap Coverage Guide]

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Georgia Statistics Summary Details
Road Miles Total in State: 127,492
Annual Miles Driven: 111,535 million
Vehicles Registered in State: 7,955,532
Total Stolen: 26,854
State Population 10,519,475
Most Popular Vehicle Ford F-150
Uninsured Motorists 13%
State Rank: 25th
Driving Fatalities 2017
Total: 1,540
Speeding: 248
Drunk Driving: 366
Average Annual Premiums Liability: $557.38
Collision: $331.83
Comprehensive: $159.18
Full Coverage: $1048.40
Cheapest Provider Coast 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 Georgia Stats
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.

  2015 2014 2013 2012 2011 Average
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 Coverage 2015 2014 2013
Medical Payments Loss Ratio 84.58% 83.70% 86.61%
Uninsured/Underinsured Motorist Loss Ratio 93.68% 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.

Company Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 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.

City Zipcode Average
ATLANTA 30002 $6,186.79
CLARKSTON 30004 $5,076.20
STONE MOUNTAIN 30005 $5,155.57
STONE MOUNTAIN 30008 $5,426.84
DECATUR 30009 $5,062.53
ATLANTA 30011 $5,105.49
ATLANTA 30012 $5,701.38
ATLANTA 30013 $5,850.35
ATLANTA 30014 $5,316.31
ATLANTA 30016 $5,494.07
ATLANTA 30017 $5,771.38
LITHONIA 30018 $5,529.66
LITHONIA 30019 $5,315.85
DECATUR 30021 $6,944.22
DECATUR 30022 $5,231.18
SCOTTDALE 30024 $5,438.19
ATLANTA 30025 $5,325.29
ATLANTA 30026 $5,457.25
ATLANTA 30028 $4,870.88
ATLANTA 30029 $5,127.49
ATLANTA 30030 $5,731.95
PINE LAKE 30032 $6,699.34
ATLANTA 30033 $5,949.23
UNION CITY 30034 $6,694.70
STONE MOUNTAIN 30035 $6,893.89
ELLENWOOD 30038 $6,730.99
ATLANTA 30039 $5,993.67
ATLANTA 30040 $4,931.10
ATLANTA 30041 $4,906.52
CONLEY 30043 $5,490.63
ATLANTA 30044 $5,794.49
MARIETTA 30045 $5,702.00
NORCROSS 30046 $5,727.27
RIVERDALE 30047 $5,919.80
NORCROSS 30052 $5,558.87
RIVERDALE 30054 $5,307.49
AVONDALE ESTATES 30055 $5,400.11
ATLANTA 30056 $5,161.49
ATLANTA 30058 $6,733.62
FOREST PARK 30060 $5,426.83
DULUTH 30062 $5,152.13
ATLANTA 30064 $5,136.22
NORCROSS 30066 $5,178.39
PORTERDALE 30067 $5,717.81
MABLETON 30068 $5,570.20
ATLANTA 30069 $5,447.55
SNELLVILLE 30070 $6,060.02
ATLANTA 30071 $6,272.64
ATLANTA 30072 $6,580.33
DECATUR 30075 $5,061.11
LILBURN 30076 $5,137.50
JONESBORO 30078 $5,864.38
ATLANTA 30079 $6,686.79
FAIRBURN 30080 $5,690.79
TUCKER 30082 $5,598.58
SNELLVILLE 30083 $6,899.09
CONYERS 30084 $5,870.11
AUSTELL 30087 $6,469.78
LITHIA SPRINGS 30088 $6,913.82
ATLANTA 30090 $6,273.03
LAWRENCEVILLE 30092 $6,075.23
GRAYSON 30093 $6,237.26
MORROW 30094 $5,666.28
JONESBORO 30096 $6,115.91
DECATUR 30097 $5,521.34
ATLANTA 30101 $5,032.23
LAWRENCEVILLE 30102 $5,283.96
MARIETTA 30103 $4,997.33
LAWRENCEVILLE 30104 $5,067.17
CONYERS 30105 $4,845.45
ATLANTA 30106 $5,675.27
SMYRNA 30107 $4,973.94
ATLANTA 30108 $5,091.16
ATLANTA 30109 $5,088.62
ATLANTA 30110 $5,126.18
ATLANTA 30111 $5,579.75
POWDER SPRINGS 30113 $5,143.51
AUSTELL 30114 $4,774.58
ATLANTA 30115 $5,020.24
CONYERS 30116 $5,200.95
ATLANTA 30117 $5,094.82
ATLANTA 30118 $5,037.28
REX 30120 $5,205.85
ATLANTA 30121 $5,023.49
SMYRNA 30122 $5,829.19
TURIN 30123 $5,388.47
ATLANTA 30124 $4,990.06
CLARKDALE 30125 $4,969.95
MARIETTA 30126 $6,035.86
WINSTON 30127 $5,676.27
LOGANVILLE 30129 $5,441.22
JERSEY 30132 $5,242.49
PALMETTO 30134 $5,525.93
DOUGLASVILLE 30135 $5,381.10
SARGENT 30137 $5,046.32
DULUTH 30138 $5,143.79
STOCKBRIDGE 30139 $4,903.91
ATLANTA 30140 $4,973.12
HIRAM 30141 $5,507.42
COVINGTON 30143 $5,029.98
LAWRENCEVILLE 30144 $5,008.08
HAMPTON 30145 $5,087.86
NORTH METRO 30146 $5,082.05
ATLANTA 30147 $5,034.04
MARIETTA 30148 $5,073.29
ATLANTA 30149 $4,913.78
COOSA 30151 $4,921.63
SUWANEE 30152 $5,163.33
MARIETTA 30153 $5,060.95
MARIETTA 30157 $5,405.83
MCDONOUGH 30161 $4,947.92
DALLAS 30165 $4,925.02
MONROE 30168 $5,839.82
MANSFIELD 30170 $5,096.21
CASSVILLE 30171 $4,986.23
SAVANNAH 30173 $5,036.24
DOUGLASVILLE 30175 $4,890.30
BUFORD 30176 $5,149.22
SAVANNAH 30177 $5,056.00
MCDONOUGH 30178 $5,075.51
LOCUST GROVE 30179 $5,220.37
SAVANNAH 30180 $5,227.16
GAINESVILLE 30182 $5,137.34
BUFORD 30183 $5,043.80
SOCIAL CIRCLE 30184 $5,038.53
COVINGTON 30185 $5,285.96
DACULA 30187 $5,559.94
ATLANTA 30188 $4,868.31
OXFORD 30189 $4,802.97
MONROE 30204 $4,945.26
FLOVILLA 30205 $5,214.81
DRY BRANCH 30206 $5,061.71
GRAY 30213 $5,897.79
SAVANNAH 30214 $4,962.28
WHITESBURG 30215 $4,972.19
JEFFERSON 30216 $5,300.64
ACWORTH 30217 $4,988.82
TYRONE 30218 $5,229.58
GRIFFIN 30219 $5,237.23
FORSYTH 30220 $4,943.67
MIDLAND 30222 $4,915.47
ATLANTA 30223 $5,080.89
DALLAS 30224 $5,274.80
SUNNY SIDE 30228 $5,460.08
GLENN 30229 $4,915.45
CLERMONT 30230 $5,109.82
ALPHARETTA 30233 $5,003.38
BOLINGBROKE 30234 $4,993.52
GAY 30236 $5,766.15
VILLA RICA 30238 $5,917.15
TEMPLE 30240 $4,977.32
HADDOCK 30241 $4,897.81
BROOKS 30248 $5,358.81
MC INTYRE 30251 $4,867.48
CARTERSVILLE 30252 $5,424.70
RABUN GAP 30253 $5,372.42
CARROLLTON 30256 $4,985.08
DILLARD 30257 $5,082.85
WINDER 30258 $5,019.72
CLAYTON 30259 $4,962.83
MARIETTA 30260 $5,770.18
JULIETTE 30263 $4,623.62
SAVANNAH 30265 $4,657.43
KENNESAW 30266 $4,683.20
NEWBORN 30268 $5,526.89
ALPHARETTA 30269 $4,642.31
MARIETTA 30272 $5,089.90
TALLAPOOSA 30273 $5,628.90
HILLSBORO 30274 $6,208.22
ESOM HILL 30275 $5,524.32
BUCHANAN 30276 $5,112.87
MACON 30277 $4,709.07
ROSWELL 30281 $5,520.31
WACO 30284 $5,241.32
MARIETTA 30285 $4,942.14
SAVANNAH 30286 $4,959.06
NORTH METRO 30288 $6,350.41
BREMEN 30289 $5,593.00
MACON 30290 $5,279.49
SENOIA 30291 $6,486.71
HOGANSVILLE 30292 $5,089.11
SAVANNAH 30293 $4,859.18
AUBURN 30294 $6,468.98
LULA 30295 $4,962.02
GORDON 30296 $6,240.28
JEFFERSONVILLE 30297 $6,142.38
ROOPVILLE 30303 $6,788.76
CARROLLTON 30304 $6,835.84
BOWDON 30305 $5,662.59
RED OAK 30306 $5,728.18
MONTICELLO 30307 $5,798.63
ATLANTA 30308 $5,690.93
WILLIAMSON 30309 $5,684.08
BOWDON JUNCTION 30310 $6,880.31
KINGSTON 30311 $6,750.28
MILNER 30312 $6,620.73
MACON 30313 $6,583.09
LEBANON 30314 $6,991.02
GRIFFIN 30315 $6,889.33
COLUMBUS 30316 $6,647.47
MACON 30317 $6,318.01
ALPHARETTA 30318 $6,621.02
TAYLORSVILLE 30319 $5,516.26
MARBLE HILL 30322 $5,618.96
NEWINGTON 30324 $5,685.13
ARAGON 30326 $5,661.53
MACON 30327 $5,687.78
ALPHARETTA 30328 $5,446.45
CONCORD 30329 $5,683.62
ROSWELL 30331 $6,657.55
ROCKMART 30334 $6,893.38
MANCHESTER 30336 $6,144.45
FORTSON 30337 $6,427.71
CALHOUN 30338 $5,089.37
TATE 30339 $5,588.12
UPATOI 30340 $6,151.39
COMMERCE 30341 $5,997.85
CULLODEN 30342 $5,453.32
OLIVER 30344 $6,403.09
STATHAM 30345 $5,965.64
EMERSON 30346 $5,242.63
WALESKA 30349 $6,554.04
IRWINTON 30350 $5,308.47
MACON 30354 $6,465.21
WHITE 30360 $6,088.60
CARROLLTON 30361 $5,906.40
COLUMBUS 30363 $5,666.29
SAVANNAH 30369 $5,989.48
MUSELLA 30401 $4,868.37
SILVER CREEK 30410 $4,678.69
MURRAYVILLE 30411 $4,867.79
LINDALE 30412 $4,932.99
ACWORTH 30413 $4,871.13
OCONEE 30414 $4,936.55
JASPER 30415 $5,008.70
MACON 30417 $4,771.47
NORRISTOWN 30420 $4,691.08
NUNEZ 30421 $4,692.36
CARTERSVILLE 30423 $4,789.24
FORT BENNING 30424 $4,821.12
COMMERCE 30425 $4,906.69
CANTON 30426 $4,950.35
MOLENA 30427 $4,677.76
MACON 30428 $4,772.67
ELLIJAY 30429 $4,871.30
MACON 30434 $4,906.19
STATESBORO 30436 $4,409.49
GOOD HOPE 30438 $4,684.59
BROOKLET 30439 $4,818.15
KENNESAW 30441 $4,882.86
JACKSON 30442 $4,927.96
DANVILLE 30445 $4,778.33
POOLER 30446 $5,071.52
ADAIRSVILLE 30447 $5,025.77
SHADY DALE 30448 $5,024.94
SYLVANIA 30449 $5,047.33
JENKINSBURG 30450 $4,750.20
CAVE SPRING 30451 $4,890.88
BLOOMINGDALE 30452 $4,744.19
CRAWFORD 30453 $4,688.73
FRANKLIN 30454 $4,466.48
ALLENTOWN 30455 $4,970.15
RYDAL 30456 $4,941.70
MEANSVILLE 30457 $4,787.04
TOOMSBORO 30458 $4,752.40
YATESVILLE 30460 $4,760.76
BRASELTON 30461 $5,011.03
ELLIJAY 30464 $4,914.92
SPARTA 30467 $4,993.68
LAGRANGE 30470 $4,795.61
BALL GROUND 30471 $4,812.92
GUYTON 30473 $4,856.81
FELTON 30474 $4,372.55
LEXINGTON 30477 $4,874.06
HOWARD 30501 $4,770.14
FAYETTEVILLE 30502 $4,744.97
WAYNESBORO 30504 $4,776.23
ROCKY FORD 30506 $5,358.15
CEDARTOWN 30507 $4,746.86
BETHLEHEM 30510 $4,850.92
CLYO 30511 $4,707.93
WEST POINT 30512 $4,519.07
MORELAND 30513 $4,891.09
FAYETTEVILLE 30516 $4,769.92
ZEBULON 30517 $4,979.39
THOMASTON 30518 $5,343.88
SPRINGFIELD 30519 $5,376.21
COLUMBUS 30520 $4,744.60
JUNCTION CITY 30521 $4,672.14
RINCON 30522 $4,854.13
GIRARD 30523 $4,616.17
MONTROSE 30525 $5,180.41
ROME 30527 $5,234.41
SMARR 30528 $4,621.63
SEVILLE 30529 $5,021.29
GENEVA 30530 $5,053.75
BARNESVILLE 30531 $4,560.77
CISCO 30533 $4,908.48
GRANTVILLE 30534 $4,696.07
THE ROCK 30535 $4,657.15
SARDIS 30536 $5,015.63
PERKINS 30537 $5,191.61
TALBOTTON 30538 $4,510.80
WOODLAND 30540 $4,979.35
BELLVILLE 30541 $4,775.87
ALSTON 30542 $4,845.24
WARM SPRINGS 30543 $4,918.76
SAVANNAH 30545 $4,623.90
ARNOLDSVILLE 30546 $4,582.03
CUMMING 30547 $4,782.91
RAYLE 30548 $4,852.29
LIZELLA 30549 $5,284.10
DAHLONEGA 30552 $4,615.20
MILLEN 30553 $4,683.47
COLUMBUS 30554 $5,103.44
COLUMBUS 30555 $4,794.58
PINE MOUNTAIN VALLEY 30557 $4,825.52
ROME 30558 $4,835.60
RESACA 30559 $4,750.70
NELSON 30560 $4,821.96
PINE MOUNTAIN 30562 $4,874.88
SAVANNAH 30563 $4,588.12
GILLSVILLE 30564 $5,034.63
BOX SPRINGS 30565 $4,747.26
CUSSETA 30566 $4,745.43
WASHINGTON 30567 $4,738.35
MILLEDGEVILLE 30568 $5,203.55
MILLEDGEVILLE 30571 $4,639.33
SANDERSVILLE 30572 $4,723.12
GREENVILLE 30573 $4,794.92
HARALSON 30575 $4,709.63
SHILOH 30576 $4,635.51
STILLMORE 30577 $4,557.92
COLUMBUS 30580 $4,530.56
MOUNT BERRY 30581 $4,605.78
GOUGH 30582 $4,545.35
DAHLONEGA 30597 $4,928.23
WRIGHTSVILLE 30598 $4,651.43
GARFIELD 30601 $4,452.36
CUMMING 30602 $4,485.51
LOUISVILLE 30605 $4,533.33
APPLING 30606 $4,443.87
FAIRMOUNT 30607 $4,702.71
LAGRANGE 30609 $4,524.41
MAXEYS 30619 $4,931.18
LINCOLNTON 30620 $4,967.28
HAWKINSVILLE 30621 $4,775.19
MAUK 30622 $4,582.17
BLUE RIDGE 30623 $4,762.01
PULASKI 30624 $4,726.21
TALKING ROCK 30625 $4,540.59
BUTLER 30627 $4,716.53
STEPHENS 30628 $4,636.57
HAMILTON 30629 $4,635.57
ADRIAN 30630 $4,989.03
WAVERLY HALL 30631 $4,876.61
MIDVILLE 30633 $4,526.48
PINEVIEW 30634 $4,720.81
MITCHELL 30635 $4,787.20
CRAWFORDVILLE 30638 $4,727.92
KEYSVILLE 30639 $4,791.03
KITE 30641 $5,009.78
MOUNTAIN CITY 30642 $4,536.91
WADLEY 30643 $4,678.49
TENNILLE 30645 $4,731.55
TENNGA 30646 $4,632.81
HAGAN 30647 $4,589.97
BARTOW 30648 $4,973.00
CUMMING 30650 $4,569.67
ELLAVILLE 30655 $5,402.66
VARNELL 30656 $5,307.03
CRANDALL 30660 $4,930.97
SWAINSBORO 30662 $4,649.41
WOODSTOCK 30663 $4,657.20
ALAMO 30664 $4,713.64
GRACEWOOD 30665 $4,528.02
LUTHERSVILLE 30666 $5,046.36
ROBERTA 30667 $4,887.09
ELLABELL 30668 $4,677.82
STAPLETON 30669 $4,856.47
SUGAR VALLEY 30671 $4,896.34
FORT STEWART 30673 $4,916.60
TUNNEL HILL 30677 $4,557.68
HARRISON 30678 $4,849.27
WRENS 30680 $5,187.57
WOODBURY 30683 $4,602.14
PLAINVILLE 30701 $5,056.99
UVALDA 30705 $4,687.99
UNION POINT 30707 $4,714.33
CHERRY LOG 30708 $4,944.43
COCHRAN 30710 $4,819.99
JACKSONVILLE 30711 $4,869.00
DAVISBORO 30720 $4,813.19
WARTHEN 30721 $4,778.66
HOSCHTON 30724 $4,819.62
ALTO 30725 $4,708.06
WHITE PLAINS 30726 $4,725.62
AVERA 30728 $4,650.74
REYNOLDS 30730 $4,806.74
ARMUCHEE 30731 $4,777.55
FLOWERY BRANCH 30732 $4,824.53
BUENA VISTA 30733 $4,858.46
NORWOOD 30734 $4,822.16
RUPERT 30735 $4,922.83
RHINE 30736 $4,687.96
MATTHEWS 30738 $4,762.12
BRONWOOD 30739 $4,667.13
PEMBROKE 30740 $4,797.38
MAYSVILLE 30741 $4,625.92
DUDLEY 30742 $4,694.40
MARTIN 30746 $4,865.26
OAKMAN 30747 $4,807.12
MESENA 30750 $4,706.22
RANGER 30751 $4,872.27
MORGANTON 30752 $4,780.81
DOVER 30753 $4,698.17
HELENA 30755 $4,862.95
CAMAK 30756 $4,869.18
JEWELL 30757 $4,738.51
COHUTTA 30802 $4,904.20
ETON 30803 $4,848.32
METTER 30805 $4,766.23
IDEAL 30806 $4,670.53
ABBEVILLE 30807 $4,820.39
ELLERSLIE 30808 $4,742.22
DALTON 30809 $4,711.12
TWIN CITY 30810 $4,807.23
CATAULA 30811 $4,911.20
MILAN 30812 $4,867.60
SAPELO ISLAND 30813 $4,557.89
GIBSON 30814 $4,790.05
SUMMERVILLE 30815 $4,782.61
LYERLY 30816 $4,876.31
MELDRIM 30817 $4,894.48
WOODSTOCK 30818 $4,837.07
WARRENTON 30819 $4,822.18
ROCKY FACE 30820 $4,880.07
LUMBER CITY 30821 $4,841.08
TARRYTOWN 30822 $4,941.45
SAVANNAH 30823 $4,865.57
TALLULAH FALLS 30824 $4,788.36
MC CAYSVILLE 30828 $4,799.49
FRANKLIN SPRINGS 30830 $4,971.64
HARLEM 30833 $4,861.95
DAISY 30901 $4,703.12
THOMSON 30904 $4,688.26
ELBERTON 30905 $4,679.12
SOPERTON 30906 $4,725.37
OGLETHORPE 30907 $4,568.84
HOMER 30909 $4,665.54
HEPHZIBAH 30912 $4,697.70
VIENNA 31001 $4,816.48
LEARY 31002 $4,885.32
TRENTON 31003 $4,988.07
DALTON 31004 $5,230.22
MOUNT VERNON 31005 $4,575.65
MENLO 31006 $4,889.24
TYBEE ISLAND 31007 $4,769.18
GAINESVILLE 31008 $4,675.45
EPWORTH 31009 $4,742.15
BISHOP 31011 $4,774.66
CHAUNCEY 31012 $4,615.63
CANTON 31013 $4,730.49
MONTEZUMA 31014 $4,854.06
GLENWOOD 31015 $4,382.24
CLAXTON 31016 $5,050.99
GAINESVILLE 31017 $5,002.39
BOWERSVILLE 31018 $4,853.53
BYROMVILLE 31019 $4,698.18
BLYTHE 31020 $5,297.37
DENTON 31021 $4,461.93
PRESTON 31022 $4,832.07
SAVANNAH 31023 $4,725.36
RISING FAWN 31024 $4,626.41
BOSTWICK 31025 $4,681.83
STATESBORO 31027 $4,410.93
MC RAE 31028 $4,665.24
EDEN 31029 $5,272.83
UNADILLA 31030 $4,701.33
SCOTLAND 31031 $5,101.93
PINEHURST 31032 $5,294.02
HAZLEHURST 31033 $5,217.94
STATESBORO 31035 $4,862.66
MINERAL BLUFF 31036 $4,894.48
PORTAL 31037 $4,820.63
NICHOLSON 31038 $5,145.73
GAINESVILLE 31039 $4,972.28
OAKWOOD 31041 $4,816.97
CHESTNUT MOUNTAIN 31042 $5,041.74
CANON 31044 $5,098.59
COBB 31045 $4,820.39
REGISTER 31046 $5,171.24
FORT STEWART 31047 $4,559.27
DEARING 31049 $4,875.33
CADWELL 31050 $4,684.28
WILDWOOD 31051 $4,652.70
PENDERGRASS 31052 $4,928.27
HINESVILLE 31054 $5,211.05
HIGH SHOALS 31055 $4,756.02
CLINCHFIELD 31057 $4,725.45
FARMINGTON 31058 $4,893.76
BOWMAN 31060 $4,810.39
GRAYSVILLE 31061 $4,916.04
MARSHALLVILLE 31062 $4,916.04
AUGUSTA 31063 $4,773.94
EASTMAN 31064 $5,089.74
DOERUN 31065 $4,948.86
SUCHES 31066 $5,036.55
DEWY ROSE 31067 $5,030.14
DE SOTO 31068 $4,784.43
FORT GAINES 31069 $4,540.54
CARLTON 31070 $4,753.45
PLAINS 31071 $4,882.36
SMITHVILLE 31072 $4,326.20
CHICKAMAUGA 31075 $4,697.80
PARROTT 31076 $4,846.40
ALLENHURST 31077 $4,837.37
SHARON 31078 $4,865.81
ALMA 31079 $4,205.41
BLUFFTON 31081 $4,840.77
EVANS 31082 $4,915.53
FLEMING 31083 $4,753.68
TALMO 31084 $4,945.85
SHARPSBURG 31085 $4,996.34
ARLINGTON 31086 $4,946.84
FLINTSTONE 31087 $4,978.68
BALDWIN 31088 $4,669.58
LOOKOUT MOUNTAIN 31089 $4,873.26
AUGUSTA 31090 $4,983.70
ATHENS 31091 $4,754.81
FORT VALLEY 31092 $4,782.34
DEXTER 31093 $4,660.23
TRION 31094 $4,853.43
RENTZ 31096 $4,907.46
AUGUSTA 31097 $4,981.78
DAWSONVILLE 31098 $4,644.45
HARTSFIELD 31201 $5,121.66
WESTON 31204 $5,015.73
FORT OGLETHORPE 31206 $5,039.42
COLLINS 31207 $5,082.36
COBBTOWN 31210 $5,029.31
LESLIE 31211 $5,079.86
NICHOLLS 31216 $5,012.64
REIDSVILLE 31217 $5,142.90
AUGUSTA 31220 $5,063.83
CHATSWORTH 31301 $4,713.70
RINGGOLD 31302 $4,989.34
RICHMOND HILL 31303 $4,964.77
NEWTON 31304 $4,509.62
MANASSAS 31305 $4,461.61
KNOXVILLE 31307 $4,755.71
LAVONIA 31308 $4,865.65
ORCHARD HILL 31309 $4,710.44
ELKO 31312 $4,973.50
AUGUSTA 31313 $4,736.32
AILEY 31314 $4,863.11
HARTWELL 31315 $4,742.67
MORGAN 31316 $4,550.57
TIGNALL 31318 $4,806.68
GLENNVILLE 31319 $4,618.27
BYRON 31320 $4,633.86
RICHLAND 31321 $4,836.61
LENOX 31322 $4,999.18
SALE CITY 31323 $4,591.60
CARNESVILLE 31324 $4,686.78
BONEVILLE 31326 $4,950.47
WARNER ROBINS 31327 $4,808.33
LUMPKIN 31328 $4,776.83
EDISON 31329 $4,955.89
SHELLMAN 31331 $4,510.33
ROCK SPRING 31401 $5,375.74
OCILLA 31404 $5,135.07
BAXLEY 31405 $5,385.07
AUGUSTA 31406 $4,931.25
CENTERVILLE 31407 $5,107.06
COLEMAN 31408 $5,165.70
ALBANY 31409 $5,292.92
SURRENCY 31410 $4,795.20
BRISTOL 31411 $4,920.99
WARNER ROBINS 31415 $5,358.31
SASSER 31419 $4,762.20
BAINBRIDGE 31421 $5,036.70
BLAKELY 31501 $4,565.04
BROXTON 31503 $4,585.05
NEWNAN 31510 $4,712.64
RUTLEDGE 31512 $4,650.32
DEMOREST 31513 $4,665.90
LOUVALE 31516 $4,634.25
CLIMAX 31518 $4,661.10
MEIGS 31519 $4,657.91
LILLY 31520 $4,418.13
TOCCOA FALLS 31522 $4,390.10
BRINSON 31523 $4,392.66
LA FAYETTE 31525 $4,375.96
AMBROSE 31527 $4,379.69
OCHLOCKNEE 31532 $4,763.84
OMAHA 31533 $4,625.66
ROYSTON 31535 $4,588.40
SCREVEN 31537 $4,522.00
DONALSONVILLE 31539 $4,752.41
WARNER ROBINS 31542 $4,606.38
AMERICUS 31543 $4,414.33
BAINBRIDGE 31544 $4,853.81
PEACHTREE CITY 31545 $4,608.00
SAUTEE NACOOCHEE 31546 $4,491.30
MERSHON 31547 $4,303.48
WEST GREEN 31548 $4,385.25
COLBERT 31549 $4,795.64
GEORGETOWN 31550 $4,537.77
COMER 31551 $4,639.04
TIGER 31552 $4,533.03
DAWSON 31553 $4,558.52
CUTHBERT 31554 $4,689.06
BLACKSHEAR 31555 $4,624.09
MIDWAY 31556 $4,618.40
WARESBORO 31557 $4,612.70
HULL 31558 $4,291.24
DAMASCUS 31560 $4,646.85
ANDERSONVILLE 31561 $4,393.71
EATONTON 31562 $4,577.63
ROSSVILLE 31563 $4,661.54
DOUGLAS 31564 $4,633.06
MORRIS 31565 $4,357.23
ODUM 31566 $4,467.14
HELEN 31567 $4,636.96
NEWNAN 31568 $4,329.49
CLEVELAND 31569 $4,296.42
FOWLSTOWN 31601 $4,058.10
IRON CITY 31602 $4,044.80
OFFERMAN 31605 $3,977.77
MERIDIAN 31606 $4,020.26
COLQUITT 31620 $4,247.91
CLARKESVILLE 31622 $4,588.77
CHESTER 31623 $4,481.14
LAKEMONT 31624 $4,569.54
PATTERSON 31625 $4,079.37
AMERICUS 31626 $4,210.42
CAIRO 31627 $4,244.75
WHIGHAM 31629 $4,206.31
JAKIN 31630 $4,447.20
JESUP 31631 $4,502.67
HOBOKEN 31632 $4,022.80
WILEY 31634 $4,474.11
ENIGMA 31635 $4,435.56
WINTERVILLE 31636 $4,332.22
ELLENTON 31637 $4,672.96
SPARKS 31638 $4,093.21
ALBANY 31639 $4,568.87
WILLACOOCHEE 31641 $4,420.18
BACONTON 31642 $4,572.42
RICEBORO 31643 $4,095.01
ILA 31645 $4,371.69
ALAPAHA 31647 $4,597.84
CAMILLA 31648 $4,486.13
DOUGLAS 31649 $4,420.23
MOUNT AIRY 31650 $4,595.14
WAYCROSS 31698 $4,030.81
BOGART 31699 $3,976.82
HIAWASSEE 31701 $4,661.60
SAINT GEORGE 31705 $4,496.95
BONAIRE 31707 $4,596.88
PEARSON 31709 $4,612.35
MADISON 31711 $4,627.79
AXSON 31712 $4,343.61
NASHVILLE 31714 $4,295.11
AUGUSTA 31716 $4,591.89
ATTAPULGUS 31719 $4,643.72
WAYCROSS 31720 $4,540.85
ALBANY 31721 $4,563.44
CORNELIA 31722 $4,538.75
KATHLEEN 31727 $4,501.63
NAHUNTA 31730 $4,588.59
TOCCOA 31733 $4,305.51
GROVETOWN 31735 $4,744.26
WATKINSVILLE 31738 $4,289.46
WRAY 31739 $4,446.65
LUDOWICI 31743 $4,719.84
YOUNG HARRIS 31744 $4,723.90
BARWICK 31747 $4,600.45
BUCKHEAD 31749 $4,602.75
PERRY 31750 $4,197.86
BERLIN 31756 $4,695.27
MANOR 31757 $4,236.28
GREENSBORO 31763 $4,513.29
ATHENS 31764 $4,690.32
MILLWOOD 31765 $4,653.86
TURNERVILLE 31768 $4,329.23
SILOAM 31769 $4,308.54
DANIELSVILLE 31771 $4,303.76
ATHENS 31772 $4,466.26
FOLKSTON 31773 $4,649.76
BLAIRSVILLE 31774 $4,667.01
LEESBURG 31775 $4,338.14
EASTANOLLEE 31778 $4,284.48
TOWNSEND 31779 $4,508.98
CRESCENT 31780 $4,714.88
PELHAM 31781 $4,458.16
FARGO 31783 $4,202.67
BROOKFIELD 31784 $4,672.47
ALBANY 31787 $4,714.77
JESUP 31788 $4,310.47
STATENVILLE 31789 $4,377.38
ATHENS 31790 $4,326.14
ARGYLE 31791 $4,448.80
HOMERVILLE 31792 $4,231.01
WAYNESVILLE 31793 $4,300.63
ROCKLEDGE 31794 $4,337.12
OAKFIELD 31795 $4,301.61
DUBLIN 31796 $4,395.02
DARIEN 31798 $4,557.10
POULAN 31801 $4,918.32
CEDAR SPRINGS 31803 $4,844.66
ATHENS 31804 $4,812.62
SYLVESTER 31805 $4,917.42
DU PONT 31806 $4,869.45
COTTON 31807 $4,814.42
ATHENS 31808 $5,058.24
LAKELAND 31810 $4,945.45
STOCKTON 31811 $4,886.34
NAYLOR 31812 $4,952.36
BRUNSWICK 31814 $4,655.97
HORTENSE 31815 $4,669.56
EAST DUBLIN 31816 $5,058.29
LYONS 31820 $5,247.46
WARWICK 31821 $4,649.73
SEA ISLAND 31822 $4,921.48
BRUNSWICK 31823 $4,925.21
SAINT SIMONS ISLAND 31824 $4,762.60
KINGSLAND 31825 $4,674.38
CORDELE 31826 $4,915.04
JEKYLL ISLAND 31827 $4,940.93
SUMNER 31829 $5,053.92
BRUNSWICK 31830 $4,932.76
VIDALIA 31831 $4,884.10
RAY CITY 31832 $4,694.52
WAVERLY 31833 $4,964.51
ARABI 31836 $4,937.03
OMEGA 31901 $4,914.17
TIFTON 31903 $5,037.10
LAKE PARK 31904 $5,080.59
CALVARY 31905 $5,023.47
WHITE OAK 31906 $4,955.05
MOULTRIE 31907 $4,925.60
PITTS 31909 $4,927.88
SYCAMORE 39813 $4,708.81
CAIRO 39815 $4,567.26
MOULTRIE 39817 $4,643.66
MYSTIC 39819 $4,659.18
CHULA 39823 $4,658.51
NORMAN PARK 39824 $4,712.02
KINGS BAY 39825 $4,651.02
TY TY 39826 $4,836.75
TIFTON 39827 $4,609.95
WOODBINE 39828 $4,325.82
ASHBURN 39829 $4,331.84
SAINT MARYS 39832 $4,457.55
COOLIDGE 39834 $4,654.37
PAVO 39836 $4,664.14
ADEL 39837 $4,617.45
CECIL 39840 $4,634.36
THOMASVILLE 39841 $4,628.47
THOMASVILLE 39842 $4,634.48
BOSTON 39845 $4,646.72
DIXIE 39846 $4,668.10
ROCHELLE 39851 $4,718.44
REBECCA 39852 $4,621.44
FITZGERALD 39854 $4,635.97
QUITMAN 39859 $4,618.61
MORVEN 39861 $4,608.88
BARNEY 39862 $4,781.89
VALDOSTA 39866 $4,678.08
VALDOSTA 39867 $4,625.58
VALDOSTA 39870 $4,684.81
HAHIRA 39877 $4,714.03
VALDOSTA 39885 $4,660.19
VALDOSTA 39886 $4,668.10
MOODY A F B 39897 $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 Farm A++
Berkshire Hathaway A++
Progressive A+
Allstate A+
United Service Automobile Association A++
Liberty Mutual A
Nationwide A+
Travelers A++
Georgia Farm Bureau B+
Auto Owners A++

– 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 GA Complaints 2018 Complaints 2017 Complaints 2016 Complaints 2015
State Farm 1266 1550 9274 6559
Geico 247 354 283 243
Progressive 0 2 4 3
Allstate 9 16 18 17
USAA 273 351 340 282
Liberty Mutual 19 13 8 1
Nationwide 0 3 6 3
Travelers 4 2 5 1
Georgia Farm Bureau 16 16 23 19
Auto-Owners 81 101 100 123

– Cheapest Companies in Georgia

Company Average Compared to State Average Percent 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 $5,086.61 50.60%
Nationwide Mutual $6,484.90 $1,518.07 23.41%
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

Group 10 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

Group High Medium Low
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

Group Poor Fair Good
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

Group Clean record With 1 speeding violation With 1 accident With 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

Rank Company/Group Name Direct Premiums Written Loss Ratio Market Share
1 State Farm Group $1,937,806 68.72% 22.49%
2 Geico $1,051,005 81.23% 12.20%
3 Progressive Group $1,001,828 63.09% 11.63%
4 Allstate Insurance Group $820,479 51.96% 9.52%
5 USAA Group $706,276 91.01% 8.20%
6 Liberty Mutual Group $335,540 66.84% 3.89%
7 Nationwide Corp Group $267,971 77.10% 3.11%
8 Travelers Group $266,864 71.60% 3.10%
9 Georgia Farm Bureau Group $261,432 64.70% 3.03%
10 Auto-Owners Group $224,705 70.36% 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 Fraud yes/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 System First Requirement Second Requirement Third 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 months Have a minimum supervised driving time of 40 hours, 6 of which must be at night Have a minimum age of 16
Restrictions during intermediate or restricted license stage: Nighttime restrictions – midnight-5 a.m. secondary enforcement Passenger 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 Population Older Population
License Renewal Every 8 years Every 8 years
Proof of Adequate Vision Every renewal Every renewal
Mail or Online Renewal Permitted Online, every other renewal Not 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 Laws Laws
BAC Limit 0.08
High BAC Limit 0.15
Criminal Status by Offense 1st-2nd misdemeanors, 3rd high and aggravated misdemeanor, 4th+ felony
Formal Name for Offense Driving Under the Influence (DUI)
Look back Period/Washout Period 10 years
1st Offense - ALS or Revocation 120 days minimum up to 1 year
1st Offense - Imprisonment 10 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 - Other 20-40 hours community service
2nd Offense - DL Revocation 3 years
2nd Offense - Imprisonment 90 days - 12 months; mandatory 72 hours for 2nd in 10 years, otherwise can be probated
2nd Offense - Fine $600-$1000
2nd Offense - Other 30 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 Revocation 5 years
3rd Offense - Imprisonment 120 days - 12 months; sentence can be probated unless 3rd in 10 years, then 15 days mandatory incarceration
3rd Offense - Fine $1000-$5000
3rd Offense - Other min 30 days community service, 6 months IID, DUI school required, photo of offender must be published in local newspaper
4th Offense - Imprisonment 1-5 years, sentence can be probated to 90 days mandatory minimum
4th Offense - Fine $1000-$5000
4th Offense - Other 60 days community service, can be suspended if 3 years jail term served, 6 months IID min
Mandatory Interlock repeat 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/Model Year Number of Thefts
Honda Accord 1997 1,052
Ford Pickup (Full Size) 2006 954
Chevrolet Pickup (Full Size) 1999 948
Honda Civic 2000 653
Toyota Camry 2014 568
Chevrolet Impala 2008 512
Nissan Altima 2014 484
Dodge Pickup (Full Size) 2003 452
Jeep Cherokee/Grand Cherokee 2001 449
Dodge Caravan 2002 425

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.

City Population Number of Motor
vehicle
theft
Abbeville 2,736 0
Acworth 22,747 23
Adairsville 4,844 17
Adel 5,359 12
Alamo 3,437 1
Alapaha 661 0
Albany 73,209 189
Alma 3,570 12
Alpharetta 66,711 35
Alto 1,163 0
Aragon 1,241 2
Arcade 1,811 4
Arlington 1,365 2
Ashburn 3,674 9
Athens-Clarke County 124,903 230
Atlanta 481,343 3,297
Attapulgus 429 0
Auburn 7,698 14
Avondale Estates 3,183 4
Bainbridge 12,208 17
Baldwin 3,308 0
Ball Ground 2,003 1
Barnesville 6,696 13
Baxley 4,752 7
Berlin 560 0
Blackshear 3,620 6
Blairsville 569 0
Blakely 4,649 3
Bloomingdale 2,729 10
Blue Ridge 1,400 1
Blythe 689 0
Bowdon 2,106 0
Braselton 10,761 8
Braswell 391 0
Bremen 6,453 17
Brookhaven 52,973 125
Brooklet 1,547 0
Brunswick 16,500 44
Buchanan 1,148 3
Buena Vista 2,132 0
Butler 1,854 1
Byron 5,228 10
Cairo 9,558 7
Calhoun 16,557 16
Camilla 5,176 12
Canon 804 0
Canton 26,897 30
Carrollton 26,951 53
Cartersville 20,918 57
Cave Spring 1,145 0
Cedartown 9,806 32
Centerville 7,689 7
Chamblee 28,558 78
Chattahoochee Hills 2,877 3
Clarkesville 1,777 0
Clarkston 12,849 41
Claxton 2,284 2
Clayton 2,285 0
Cleveland 3,912 6
Cochran 5,029 6
College Park 15,134 229
Columbus 198,832 704
Commerce 6,826 11
Conyers 16,034 61
Coolidge 529 0
Cordele 10,812 30
Cornelia 4,282 6
Covington 14,122 49
Cumming 6,365 16
Cuthbert 3,635 0
Dallas 13,373 20
Dalton 34,228 73
Danielsville 588 1
Darien 1,830 2
Davisboro 1,659 0
Dawson 4,249 6
Decatur 23,378 27
Demorest 2,094 1
Dillard 336 0
Doerun 769 0
Donalsonville 2,635 5
Doraville 10,593 71
Douglasville 33,640 85
Dublin 16,086 30
Duluth 29,795 33
Dunwoody 49,321 92
East Ellijay 561 3
Eastman 5,093 14
East Point 35,740 493
Eatonton 6,568 2
Elberton 4,397 6
Ellaville 1,856 0
Ellijay 1,705 2
Emerson 1,579 5
Enigma 1,300 4
Ephesus 418 0
Eton 896 0
Fairburn 14,370 71
Fairmount 741 2
Fayetteville 17,749 14
Fitzgerald 8,902 17
Flowery Branch 7,317 1
Folkston 4,795 5
Forest Park 19,948 139
Forsyth 4,169 5
Fort Oglethorpe 9,935 22
Fort Valley 8,465 14
Franklin 959 1
Franklin Springs 1,160 0
Gainesville 40,836 104
Garden City3 8,932 5
Glennville 5,086 5
Gordon 1,943 3
Graham 300 0
Grantville 3,226 5
Greenville 852 3
Griffin 22,878 51
Grovetown 13,841 13
Guyton 1,928 1
Hagan 967 0
Hampton 7,623 9
Hapeville 6,665 101
Harlem 3,077 1
Hartwell 4,511 8
Hazlehurst 4,178 6
Helen 547 3
Hephzibah 3,879 0
Hiawassee 921 3
Hiram 3,954 25
Hoboken 525 0
Hogansville 3,157 2
Holly Springs 11,653 7
Homeland 855 0
Homerville 2,451 5
Irwinton 565 0
Ivey 911 0
Jackson 5,071 5
Jasper 3,841 12
Jefferson 10,658 10
Jesup 10,170 32
Johns Creek 85,048 18
Jonesboro 4,731 16
Kennesaw 34,154 23
Kingsland 16,852 25
Kingston 657 0
LaGrange 30,981 71
Lake City 2,811 19
Lakeland 3,284 7
Lake Park 724 1
Lavonia 2,170 1
Lawrenceville 31,183 46
Leary 573 0
Leslie 380 0
Lilburn 12,844 22
Lithonia 2,098 16
Locust Grove 6,028 14
Loganville 11,887 21
Lookout Mountain 1,573 4
Louisville 2,366 0
Ludowici 2,244 3
Lumber City 1,255 1
Lumpkin 1,083 0
Lyons 4,365 3
Madison 4,072 6
Manchester 4,034 4
Marietta 61,646 182
Marshallville 1,292 1
Maysville 1,901 1
McDonough 24,278 47
McIntyre 611 0
McRae-Helena 8,295 2
Metter 4,066 6
Midville 262 0
Midway 1,983 6
Milledgeville 19,051 20
Millen 2,853 7
Milton 39,388 11
Molena 371 0
Monroe 13,579 29
Montezuma 3,095 7
Morrow 7,400 73
Moultrie 14,365 28
Mountain City 1,073 0
Mount Airy 1,302 2
Mount Zion 1,772 0
Nahunta 1,047 0
Nashville 4,849 4
Newnan 38,825 68
Norcross 17,060 53
Norman Park 968 0
Oak Park 476 3
Ocilla 3,630 3
Oglethorpe 1,174 1
Omega 1,228 1
Oxford 2,239 4
Palmetto 4,744 13
Patterson 758 0
Peachtree City 35,300 78
Pelham 3,607 9
Pembroke 2,539 0
Pine Lake 767 3
Pine Mountain 1,385 3
Plains 727 0
Pooler 24,601 63
Porterdale 1,506 5
Port Wentworth 8,452 21
Powder Springs 15,127 13
Quitman 3,884 14
Remerton 1,122 7
Reynolds 1,016 2
Rincon 10,101 9
Ringgold 4,403 14
Riverdale 16,435 87
Rochelle 1,101 0
Rockmart 4,317 13
Rome 36,366 61
Roswell 95,602 109
Sale City 343 0
Sandersville 5,669 6
Sandy Springs 107,740 178
Sardis 971 4
Savannah-Chatham Metropolitan 242,941 940
Screven 778 1
Senoia 4,283 1
Shiloh 462 0
Smyrna 57,576 226
Snellville 19,982 32
Social Circle 4,490 3
Sparks 1,994 3
Sparta 1,264 1
Springfield 4,308 0
Statesboro 31,937 36
Stone Mountain 6,413 31
Summerville 4,337 1
Suwanee 20,186 22
Swainsboro 7,522 6
Sylvania 2,514 4
Talbotton 834 2
Tallapoosa 3,189 4
Temple 4,403 10
Tennille 1,914 2
Thomasville 18,866 21
Thunderbolt 2,710 9
Tifton 16,908 41
Toccoa 8,392 8
Trenton 2,248 1
Tunnel Hill 878 1
Tybee Island 3,134 4
Tyrone 7,260 1
Union City 21,160 336
Valdosta 56,729 232
Vidalia 10,743 13
Vienna 3,652 2
Villa Rica 15,398 29
Warner Robins 75,323 230
Warrenton 1,786 2
Warwick 407 0
Watkinsville 2,866 1
Waverly Hall 763 1
Waynesboro 5,669 15
West Point 3,821 5
Whitesburg 607 0
Willacoochee 1,367 0
Winder 16,006 19
Winterville 1,210 0
Woodland 351 0
Woodstock 32,293 21
Wrens 2,020 5

– 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.

Type Number of Fatalities
Traffic Fatalities 1,540
Passenger Vehicle Occupant Fatalities
(All Seat Positions)
1,057
Motorcyclist Fatalities 139
Drivers Involved in Fatal Crashes 2,283
Pedestrian Fatalities 253
Bicyclist and Other Cyclist Fatalities 15

– Fatal Crashes by Weather Condition and Light Condition

Weather Condition Daylight Dark, but Lighted Dark Dawn or Dusk Other / Unknown Total
Normal 690 140 448 44 1 1,323
Rain 44 7 39 2 0 92
Snow/Sleet 3 0 1 0 0 4
Other 3 1 14 1 0 19
Unknown 1 0 1 0 0 2
TOTAL 741 148 503 47 1 1,440

– Crashes by Road Type Fatalities

4 Year Trend 2017 2016 2015 2014
Rural 573 603 565 462
Urban 702 867 953 966

– Person Type Fatalities

Person Type Number
Occupants (Enclosed vehicles) 1,127
Motorcyclists 139
Nonoccupants 274

– Crash Type Fatalities

Crash Type Number
Single Vehicle 823
Involving a Large Truck 214
Involving Speeding 248
Involving a Rollover 361
Involving a Roadway Departure 769
Involving an Intersection (or Intersection Related) 401

– Five-Year Trend For The Top 10 Counties

Georgia Counties by 2017 Ranking County 2013 Fatalities 2014 Fatalities 2015 Fatalities 2016 Fatalities 2017 Fatalities
1 Fulton County 85 77 104 130 115
2 Dekalb County 70 55 83 80 95
3 Gwinnett County 45 55 67 61 66
4 Cobb County 59 49 49 59 53
5 Bibb County 31 23 21 28 34
6 Cherokee County 16 12 12 7 32
7 Clayton County 26 21 26 48 32
8 Richmond County 23 27 27 17 32
9 Hall County 17 21 33 31 31
10 Chatham County 44 26 54 44 29

– Speeding Fatalities by County

Rank County Fatalities 2016 Deaths Per 100K Population 2016 Rank County Fatalities 2016 Deaths Per 100K Population 2016
1 Glascock County 2 66.84 25 Appling County 1 5.41
2 Baker County 2 62.34 26 Long County 1 5.38
3 Miller County 3 51.01 27 Pierce County 1 5.2
4 Stewart County 1 17.02 28 Clayton County 14 5
5 Crawford County 2 16.27 29 Washington County 1 4.92
6 Clinch County 1 14.73 30 Liberty County 3 4.89
7 Screven County 2 14.25 31 Dodge County 1 4.8
8 Meriwether County 3 14.24 32 Columbia County 7 4.75
9 Brooks County 2 12.74 33 Mcduffie County 1 4.66
10 Seminole County 1 11.84 34 Putnam County 1 4.64
11 Marion County 1 11.75 35 Jackson County 3 4.62
12 Cook County 2 11.64 36 Bibb County 7 4.57
13 Bryan County 4 11.16 37 Habersham County 2 4.53
14 Morgan County 2 11.04 38 Franklin County 1 4.48
15 Early County 1 9.71 39 Richmond County 9 4.46
16 Harris County 3 8.92 40 Thomas County 2 4.44
17 Chattooga County 2 8.05 41 Troup County 3 4.3
18 Decatur County 2 7.49 42 Dawson County 1 4.23
19 Dooly County 1 7.2 43 Douglas County 6 4.22
20 White County 2 6.94 44 Floyd County 4 4.14
21 Baldwin County 3 6.64 45 Grady County 1 4.02
22 Jefferson County 1 6.33 46 Hart County 1 3.91
23 Telfair County 1 6.24 47 Bartow County 4 3.87
24 Pike County 1 5.58 48 Monroe County 1 3.72

– Alcohol-Impaired Driving Fatalities

County Name Fatalities Per 100,000 Population County Name Fatalities Per 100,000 Population
Baker County 62.5 Morgan County 10.86
Talbot County 48.01 Appling County 10.8
Taylor County 36.85 Brantley County 10.68
Chattahoochee County 29.01 Long County 10.52
Echols County 25.41 Pierce County 10.36
Burke County 22.2 Early County 9.71
Jasper County 21.48 Mcduffie County 9.3
Stewart County 16.71 Evans County 9.28
Washington County 14.77 Mitchell County 8.97
Screven County 14.33 Pulaski County 8.93
Mcintosh County 14.18 Colquitt County 8.73
Randolph County 14.13 Towns County 8.69
Putnam County 13.81 Chattooga County 8.07
Emanuel County 13.32 Grady County 8.06
Franklin County 13.15 Charlton County 7.86
Dawson County 12.31 Macon County 7.51
Marion County 11.83 Dooly County 7.28
Hart County 11.63 Coffee County 6.97
Stephens County 11.59 Madison County 6.83
Terrell County 11.46 Rockdale County 6.64
Camden County 11.31 Bulloch County 6.57
Decatur County 11.23 Newton County 6.48
Peach County 11.07 Pickens County 6.33
Monroe County 11.06 Telfair County 6.25
Dade County 6.14

– 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 Driving Limits
Alcohol-Impaired Driving Fatalities Per 100K Population 1.0
Higher/Lower Than National Average (1.2) Lower
DUI Arrest (Under 18 years old) 89
DUI Arrests (Under 18 years old) Total Per Million People 35.44

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

Type Time of Crash to EMS to Notification EMS Notification to EMS Arrival EMS Arrival at Scene to Hospital Arrival Time of Crash to Hospital Arrival
Urban 4.56 8.34 33.44 43.25
Rural 5.85 11.75 43.72 58.80

– 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.

City Hours in Congestion Commute in Traffic: Peak Commute in Traffic: Daytime Commute in Traffic: Overall
Atlanta, GA 70 17% 9% 10%
Savannah, GA 14 7% 6% 7%
Athens, GA 12 7% 6% 6%
Gainesville, GA 12 7% 6% 5%
Buford, GA 8 5% 6% 5%
Columbus, GA 8 4% 3% 4%
Augusta, GA 7 4% 3% 3%
Macon, GA 7 4% 3% 3%

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

INRIX Scorecard City 2018 IMPACT RANK (2017) HOURS LOST IN CONGESTION (2017) YEAR OVER YEAR CHANGE COST OF CONGESTION (PER DRIVER) INNER CITY TRAVEL TIME (MINUTES) INNER CITY LAST MILE SPEED (MPH)
Atlanta, GA 71 (69) 108 (99) 10% $1,505 4 14
TomTom Index - Atlanta, GA Details
World Rank 164
Congestion Level 26%
Extra Travel Time +14 minutes (per 30 minute trip in the morning)
+19 minutes (per 30 minute trip in the evening)
Morning Peak 46%
Evening Peak 62%
Highways 23%
Non-Highways 28%
Numbeo Index - Atlanta, GA Details
Rank 3
Traffic Index 217.66
Time Index (in minutes) 44.22
Time Exp. Index 3132.20
Inefficiency Index 247.76
CO2 Emission Index 10350.42

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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