AIS Update on COVID-19: To all auto insurance customers, insurance companies may be issuing premium reductions and relief. We've provided a list of insurance companies and additional information. Learn more.
The Peach State
Compare Georgia Auto Insurance Quotes From Multiple Companies
Georgia Auto Insurance
Georgia is known as The Peach State because of their reputation for producing the best tasting peaches around. It’s also known for widespread rain (especially in the summer) and even tornadoes and tropical cyclones. Protecting your car in Georgia means getting the correct Auto Insurance coverage for state guidelines, but also insuring yourself against what the Georgia 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 in Georgia
To drive legally in the state of Georgia, drivers are required to have Liability Insurance. If you are involved in an accident and found to be at fault for it, Liability Insurance will pay the damages for the other car and passengers involved up to the policy limits you have purchased. Not only do you need Liability Insurance in Georgia, there are also minimum requirements involved.
State Minimum Liability Coverage in Georgia
- BI or Bodily Injury: $25,000 per person, $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
Although Georgia has its minimum Auto Insurance requirements in place, that 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 can help protect you from the unexpected.
Below are some examples of optional coverages you may want to consider:
- Collision Coverage*: If you were in an accident involving other vehicles, this coverage pays for the cost to repair your car once you pay your deductible. Keep in mind that the national average repair costs after a collision is close to $3,000. For those without Collision coverage, the out of pocket costs could be devastating.
- Comprehensive Coverage*: Accidents don’t always involve other vehicles. Comprehensive coverage covers your car for damages caused by something other than a car collision (natural disasters, hail dents, fire, etc.) once you pay your deductible.
- Uninsured Motorist Coverage: Although driving without insurance could automatically cost the driver his/her license and registration for six months (and potentially fees and jail time to boot), many Georgia residents still choose to drive without Car Insurance. If you are involved in a collision with an uninsured motorist who is at fault, you may have to foot the bill for your own damages. With Uninsured Motorist Coverage, you will be protected from incidents like this, and your insurance will cover the expenses up to your purchased policy limits.
- 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 consider additional BI coverage, which may protect you from potentially devastating expenses.
- Higher Property Damage Limits: It is quite possible that the minimum PD requirement may not be enough to cover property damages. After car repairs, property damages (fences, buildings, light poles, etc.), and other such expenses could cause that minimum compensation to quickly run out. Any additional costs will be your own responsibility to cover.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
Although none of these types and levels of coverage are required by Georgia law, adding them to your policy could help you tremendously in the event of an accident. They might not even be as expensive to add as you think. If you need help determining your specific Auto Insurance coverage needs, call us at Auto Insurance Specialists.
Most Stolen Car Models in Georgia
If you drive a car that tends to be targeted for theft, you could see higher Auto Insurance rates for your vehicle. In 2017, these were the top 10 cars that were stolen in Georgia according to www.nicb.org:
- Ford Pickup (Full Size)
- Honda Accord
- Chevrolet Pickup (Full Size)
- Nissan Altima
- Toyota Camry
- Honda Civic
- Dodge Charger
- Toyota Corolla
- Chevrolet Impala
- Chevrolet Malibu
Georgia Auto Insurance Discounts
Auto Insurance discounts are available in every state, and you could qualify for a number of them. Insurance premiums 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 can help you get the right coverage at a great rate.
Examples of Georgia Car Insurance discounts may include:
- Safe Driver
- Good Student
- Accident Free
To learn more about specific discounts, visit our Discounts page.
If you are a Georgia resident, you already know about its breathtaking scenery, sweet peaches and old songs. Now you know that you also 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 and sometimes Auto Insurance complexities can be hard to understand. An AIS licensed Insurance Specialist can help you better understand these complexities, and help you decide the best Car Insurance policy and coverage for you. 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!