Cheap car insurance in georgia / Video

Cheap car insurance in georgia



Cheap car insurance in georgia

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Best Cheap Car Insurance in Georgia for 2019

Finding cheap car insurance in Georgia can take some persistence. Costs vary from one insurer to the next, sometimes by a wide margin, which is why shopping around and comparing several quotes is worth your time.

NerdWallet researched rates from the eight largest insurers in the state and found the cheapest options for the following types of applicants.

Cheapest for good drivers

Georgia Farm Bureau had the cheapest rates we found for good drivers with good credit, at $106 per month, on average. State Farm and Progressive come in second and third, respectively.

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Cheapest for drivers with poor credit

Georgia Farm Bureau was $106 per month, on average, for drivers with poor credit — the same price we found for drivers with good credit. State Farm and Allstate, the next cheapest two, respectively, have much higher average rates.

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Cheapest for drivers with one at-fault crash

For drivers with a recent at-fault accident on their records, Georgia Farm Bureau returned the cheapest average rate of $116 per month. State Farm and Allstate round out the cheapest three.

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Cheapest for low-mileage drivers

Georgians who don’t drive much can get good full-coverage insurance rates. Georgia Farm Bureau is the cheapest carrier we found at $95 per month, on average. State Farm and Allstate come in second and third, respectively.

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Cheapest for minimum coverage in Georgia

Georgia Farm Bureau is the cheapest carrier we found for minimum coverage, at $39 per month, on average. State Farm and Allstate were the next cheapest, showing you can find bare-bones coverage in Georgia for well under $100.

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Cheap for drivers with a military connection

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If you’re an active military member or a veteran — or have an immediate family member who is — you’ll most likely find relatively cheap car insurance in Georgia from USAA, which isn’t open to the general public. For that reason we don’t rank it in our driver categories, but USAA offered one of the three cheapest rates for every driver category listed above.

Minimum car insurance requirements in Georgia

Georgia car insurance policies must include liability insurance, which pays for others’ property damage and injuries if you cause a crash.

Here are the minimum liability coverage amounts you must select:

  • $25,000 bodily injury liability coverage per person.
  • $50,000 bodily injury liability coverage per crash.
  • $25,000 property damage liability coverage per crash.

While this will be enough to drive legally, it’s usually wise to get more than the minimum. An at-fault crash could easily result in injury or repair bills higher than the amounts listed above, and the remaining balance would have to come out of your pocket. You may also want to consider common add-ons such as collision, comprehensive and uninsured motorist protection.

Visit NerdWallet’s guide to car insurance requirements by state to learn more about buying your Georgia car insurance policy.

Alternative car insurance in Georgia

Drivers who are unable to buy Georgia car insurance on the open market — due to DUIs, poor credit or other reasons — can shop for coverage through the Georgia Automobile Insurance Plan.

If you’re searching for cheap car insurance in Georgia, you can also use NerdWallet’s car insurance comparison tool.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Georgia

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.

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SOURCE: http://www.nerdwallet.com/blog/insurance/cheapest-car-insurance-in-georgia-ga/

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