Cheap Car Insurance Quotes GA
Cheap Car Insurance Quotes GA: Top 10 Cheapest Car Insurance Companies
Finding reasonably priced auto insurance quotes is crucial for Georgians to safeguard their cars and finances when driving around the Peach State. It is completely possible to obtain affordable auto insurance quotes in Georgia if you have the appropriate tactics and information. Whether you’re a new driver, a long-time resident, or just trying to save money on insurance, it’s important to know where to look for affordable quotes that meet Georgia’s requirements. We’ll go over practical methods in this extensive guide to help you get cheap auto insurance quotes without sacrificing coverage.
Understanding Car Insurance in Georgia: Top 10 Cheapest Car Insurance Companies
Before diving into cost-saving tactics, it’s essential to understand Georgia’s car insurance landscape. Like most states, Georgia requires drivers to carry minimum liability coverage to legally operate a vehicle on its roads. This coverage includes bodily injury liability and property damage liability, providing financial protection in the event you’re at fault in an accident. However, opting for additional coverage options, such as collision and comprehensive, can provide broader protection against various risks.
Cheapest Car Insurance Coverage in Georgia
Coverage level has a major impact on rates. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance. Below are the cheapest auto insurance options in Georgia for both coverage types.
Cheapest Liability Car Insurance in Georgia
At $31 per month on average or $373 per year, Country Financial offers the cheapest minimum liability car insurance in Georgia. USAA, Geico and Auto-Owners also have affordable options. Below is the complete list of cheap liability coverage options in Georgia:
|
Cheapest Minimum Liability Car Insurance in Georgia |
Estimated Monthly Cost |
Estimated Annual Cost |
|
Country Financial |
$31 |
$373 |
|
Auto-Owners Insurance |
$36 |
$426 |
|
Georgia Farm Bureau |
$48 |
$576 |
|
USAA |
$50 |
$602 |
|
Geico |
$53 |
$639 |
|
State Farm |
$59 |
$703 |
|
Progressive |
$60 |
$724 |
|
Allstate |
$73 |
$880 |
Cheapest Coverage Car Insurance in Georgia
At $1,544 per year or $129 per month, Auto-Owners offers the cheapest average full-coverage car insurance in Georgia. Geico and Country Financial Insurance also offer some of the cheapest full coverage policies in the state. We highlight the complete list of the cheapest full coverage options for auto insurance in Georgia below:
|
Cheapest Coverage Car Insurance in Georgia |
Estimated Monthly Cost |
Estimated Annual Cost |
|
Auto-Owners Insurance |
$129 |
$1,544 |
|
Country Financial |
$129 |
$1,553 |
|
USAA |
$138 |
$1,655 |
|
Georgia Farm Bureau |
$145 |
$1,738 |
|
State Farm |
$162 |
$1,942 |
|
Geico |
$171 |
$2,054 |
|
Progressive |
$173 |
$2,077 |
|
Mercury Insurance |
$180 |
$2,163 |
These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on many factors.
Car Insurance Discounts in Georgia
When shopping for car insurance, discounts can make a huge difference in what price you end up paying for coverage. This is why it’s essential to take a look around at the discount offerings you are eligible for. Below is a breakdown of the main discount offerings from many major providers:
- Military: Applies whether you’re a veteran or active military member
- Multi-policy: Bundle two or more insurance policies with the same company
- Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies
- Senior: Typically applies to policyholders who are 55 and older
- Homeowners: If you own a home, you may qualify for this discount
- Good driver: Applies to drivers with a clean driving record (no at-fault accidents, DUIs, or speeding tickets in the last three years)
- Good student: Usually for college and high school students under 25 who maintain a B average in their courses
- Defensive driving: Taking a defensive driving course can earn this discount
- Driver training: Get a discount by taking a driver education training course
- New car: Typically buying a car that is three years or newer can earn this discount
- Safe car: Applies if your vehicle has safety features such as anti-theft technology
- Paperless: Receive a discount by opting into paperless payments
- Pay-in-full: Save on your car insurance premium by paying your policy in full upfront
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To obtain affordable auto insurance quotes in Georgia, one must be diligent, conduct thorough research, and comprehend the insurance regulations of the state. You may locate reasonably priced insurance that fits your needs and budget by comparing quotes, taking advantage of discounts, thinking about higher deductibles, keeping up a clean driving record, looking into usage-based insurance, and yearly policy reviews. You can drive with assurance on Georgia’s roads knowing you’re financially secure if you have the appropriate insurance coverage in place.
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