Auto Insurance in Georgia
Georgia is known as The Peach State because of their grower’s reputation for producing the best tasting peaches. It’s also known for widespread rain (especially in the summer) and even tornadoes or tropical cyclones. Protecting your car in Georgia means getting the correct coverage for state guidelines, but also insuring yourself against what the weather might hold.
Auto insurance rates in Georgia can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select, and you can pick the price you like.
Required Auto Insurance Coverage in Georgia
To drive legally in the state of Georgia, drivers must have liability insurance. If you were involved in an accident, and found to be at fault for it, liability insurance would pay the damages for the other car (and people) involved up to the limits you have purchased. A great resource for the Georgian who wants extra insurance information is the Office of Insurance and Safety Fire Commissioner. Not only must you have liability insurance in Georgia, there are minimum requirements involved.
State Minimum Liability Coverage in Georgia:
- BI or Bodily Injury: $25,000 per person and $50,000 total per accident
- PD or Property Damage: $25,000 per accident
To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Georgia to Consider
Though Georgia has its minimum auto insurance requirements in place… for you, the minimum may not be enough. To better protect you and your family, consider a plan with higher PD or BI protections. Also, keep in mind that there are additional coverage options that could help protect you from the unexpected.
Below are some examples you may want to consider:
- Uninsured Motorist Coverage - Although driving without insurance could automatically cost the driver his license and registration for six months - and potentially fees and jail time to boot – many Georgia residents still choose to drive without insurance. If you are involved in a collision with an uninsured motorist who is at fault, you still may have to foot the bill for your own damages. With uninsured motorist coverage, you would be protected from incidents like this, and your insurance should cover the expenses up to your purchased limit amounts.
- Collision Coverage - If you were in an accident involving other vehicles, this coverage type would pay for the costs to fix your car, less your chosen deductible. Consider that the national average repair costs after a collision is close to $3,000! For those without collision coverage, the cost could be painful.
- Comprehensive Coverage - Accidents don’t always involve other vehicles. Comprehensive coverage would cover your car for damages caused by something other than a car collision (natural disasters, hail dents, fire, etc.), again, less your chosen deductible.
- Higher Bodily Injury Limits - Injuries after an accident can be extensive—and if you are at fault for an accident with injuries, the minimum coverage may not be nearly enough. AIS highly recommends that you think about additional BI coverage, which may protect you from potentially backbreaking expenses.
- Higher Property Damage Limits - Though the minimum PD requirement may be enough to cover damages, it’s also quite possible that it’s not. After car repairs, property damages (fences, buildings, light poles, etc.), and other such expenses could cause that minimum amount to quickly run out. Any additional costs would be your responsibility to cover… out of pocket.
Although none of these types and levels of coverage are Georgia-law required, adding them to your policy could help you tremendously in the event of an accident. If you need help determining your specific auto insurance coverage needs, call us at Auto Insurance Specialists.
An AIS licensed insurance specialist can help you understand insurance complexities, and help you decide the best policy and coverage for you.
Georgia Auto Insurance Discounts
Auto insurance discounts are available in every state, and you could qualify for a number of them. Insurance can be pricey, and there’s no reason to miss out on potential money-savers. At AIS, we are well versed in car insurance discounts, and could help you get the right coverage at a great rate. Examples of these discounts may include:
- Safe driver
- Good student
- Accident free
- And more…
To learn more about specific discounts, visit our Discounts page.
If you are a Georgia resident, you already know its breathtaking scenery, those sweet peaches and old songs, and the need to be protected from accidents, injury, vehicle damage, and more. Anywhere you choose to live will have its own hazards that require insurance protection, but sometimes auto insurance complexities can be hard to understand. The insurance knowledge and helpful assistance AIS provides may give you peace of mind in choosing the right policy for you. Call us today to see how we can help with your Georgia auto insurance needs!
Start a Georgia Insurance Quote Today: (888) 772-4247