Cheap Car Insurance Quotes Georgia

Cheap Car Insurance Quotes Georgia: Cheap car insurance quotes Georgia free

Georgia is a great place to live because of its beautiful scenery and energetic cities. However, it can occasionally be difficult to locate reasonably priced coverage that meets your needs when it comes to auto insurance. Fortunately, you can get affordable auto insurance quotes in Georgia without compromising on coverage or quality if you take the appropriate strategy. In this article, we’ll explore practical tips and strategies to help you find the best deals on car insurance in the Peach State.

Understanding Georgia Car Insurance Requirements: Cheap car insurance quotes Georgia free

It’s important to comprehend Georgia’s minimum insurance requirements before starting your search for affordable auto insurance. Drivers must have liability insurance with minimum coverage limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage, according to state law. Even though these are the bare minimums, it’s usually a good idea to think about getting more coverage for better security.

How we chose the cheapest companies in Georgia

NerdWallet’s editorial team analyzed car insurance rates from 15 auto insurers in Georgia and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Georgia. For full coverage, we used the below coverage limits:

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

Cheap car insurance in Georgia for 20-year-olds

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.

Cheapest full coverage car insurance in Georgia for 20-year-olds

Drivers in Georgia with clean driving records may want to consider the following companies, which had the lowest average rates:

Central Insurance: $2,075 per year, or about $173 per month.
Auto-Owners: $3,309 per year, or about $276 per month.
Country Financial: $3,707 per year, or about $309 per month.
Georgia Farm Bureau: $4,002 per year, or about $334 per month.
Progressive: $4,544 per year, or about $379 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Georgia for 30-year-olds

Drivers in Georgia who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

Central Insurance: $1,429 per year, or about $119 per month.
Auto-Owners: $1,554 per year, or about $130 per month.
Georgia Farm Bureau: $1,644 per year, or about $137 per month.
Country Financial: $2,218 per year, or about $185 per month.
Progressive: $2,254 per year, or about $188 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Georgia for 40-year-olds

Drivers in Georgia with clean driving records may want to think about the following companies, which had the lowest average rates:

Central Insurance: $1,281 per year, or about $107 per month.
Georgia Farm Bureau: $1,566 per year, or about $131 per month.
Auto-Owners: $1,576 per year, or about $131 per month.
Country Financial: $1,930 per year, or about $161 per month.
Mercury: $2,067 per year, or about $172 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Georgia for 50-year-olds

Drivers in Georgia with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

Central Insurance: $1,247 per year, or about $104 per month.
Georgia Farm Bureau: $1,500 per year, or about $125 per month.
Auto-Owners: $1,522 per year, or about $127 per month.
Country Financial: $1,730 per year, or about $144 per month.
Mercury: $1,839 per year, or about $153 per month.

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Your insurance needs will change as your circumstances do. Make sure your policy is still in line with your needs and financial constraints by periodically reviewing it. Your insurance rates may be affected by events like relocating, changing your driving style, or getting a new car. It is possible to find affordable auto insurance quotes in Georgia by doing thorough research, comparing prices, and being aware of the coverage you require. You can get reasonably priced insurance that provides peace of mind while driving by looking at several insurers, taking advantage of discounts, keeping up a spotless driving record, and routinely reviewing your policy. Keep in mind that the least expensive option might not always offer the best value, so give careful consideration to striking the ideal balance between price and coverage for your particular needs.

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