Georgia has one of the highest average car insurance premiums in the country, with rates rising over 75% from 2015 to 2024.
Peachstate Insurance, a Georgia-based provider, partners with the state's leading auto, home, and commercial insurers to offer affordable coverage options.
Georgia requires drivers to carry minimum liability insurance of $25,000/$50,000/$25,000, but many experts recommend higher limits for adequate protection.
Usage-based insurance programs, where premiums are tied to driving behavior, are becoming more popular in Georgia as a way for safe drivers to save on car insurance.
Georgia's high rate of uninsured drivers, estimated at over 12%, drives up costs for insured motorists and makes uninsured/underinsured motorist coverage a wise investment.
The Georgia Auto Insurance Plan (GAIP) provides coverage for high-risk drivers who are unable to obtain insurance in the voluntary market, though premiums tend to be higher.
Georgia allows insurers to use credit-based insurance scores to set rates, which can significantly impact premiums for drivers with poor credit.
Telematics devices, which track driving data, are being used by some insurers in Georgia to offer discounts to safe drivers who participate in usage-based programs.
Georgia's "tort" system of liability, where the at-fault driver's insurance pays for damages, can lead to higher premiums compared to "no-fault" states.
Bundling auto insurance with other policies, such as homeowners or renters insurance, can result in substantial savings for Georgia drivers.
Georgia consumers have the right to shop around and compare rates from multiple insurers, as prices can vary significantly even for the same coverage.
Georgia's "mini-tort" law allows drivers to recover up to $15,000 in damages from the at-fault driver's insurance, even if they were partially responsible for the accident.
Older vehicles in Georgia may be eligible for reduced comprehensive and collision coverage, potentially leading to lower overall insurance costs.
Georgia's insurance market is highly competitive, with over 100 companies offering auto insurance, allowing consumers to shop for the best rates.
Drivers with a clean record and good credit can often qualify for various discounts, such as good driver, good student, and defensive driving course discounts.
Georgia's Department of Insurance regulates the insurance industry and provides resources to help consumers understand their coverage options and file complaints if necessary.
The state's "Assigned Risk Plan" provides coverage for drivers who are unable to obtain insurance in the voluntary market due to their driving record or other factors.
Georgia's "no-fault" personal injury protection (PIP) coverage can help pay for medical expenses and lost wages, regardless of who was at fault in an accident.
Rideshare drivers in Georgia may need to purchase additional coverage to supplement their personal auto policy, as their personal insurance may not provide full protection.
Georgia's "Graduated Driver's License" program, which places restrictions on younger drivers, can lead to lower insurance rates for teenage drivers who complete the program.