Georgia Auto Insurance

Georgia is what is called tort state with regard to auto insurance. This means that instead of a no-fault system, blame is determined and damages paid for by whoever was at fault. Georgia, like many states, has mandatory insurance laws, protecting all drivers.

Georgia State Coverage Requirements For Auto Insurance

The Georgia auto insurance liability coverage minimums are 25/50/25. This means that an insurance company will pay out $25,000 per person, $50,000 for all people, and $25,000 for property damage in the case of an accident. Georgia auto insurance does not require collision coverage, comprehensive coverage, or uninsured motorist protection but your insurance company may offer you these when you apply for a new policy.

It is important to remember that your Georgia auto insurance minimums are only the legal minimum and may not completely protect you in case of a catastrophic accident. It is always advisable to increase minimums to a more suitable coverage amount.

Georgia Auto Insurance Rates

When looking at national insurance expense averages, Georgia ranks in the middle of the pack at 25th overall, averaging annually $758.69 for auto insurance. The annual expenditure was down by about 9% over the last few years, however. Georgia drivers spend on average $394.48 for liability coverage, $363.05 for collision coverage, and $162.69 for comprehensive coverage.

For Georgia car insurance rates, insurance companies figure the cost to insure the entire state, then figure the cost per person using different variables. For instance, the insurance company will consider your driving record, the make and model of you car, the city or town you live in, and even your age and marital status. The cost to insure the entire state also reflects the cost of lawsuits and other legal expenses associated with auto accidents.

Other factors for determining auto insurance rates can be controlled by the driver. A clean driving record can lower your rates considerably. Also, drivers can take voluntary driver's education courses to reduce your premiums.

Georgia Auto Insurance Companies

There are numerous top-rated insurance companies operating in Georgia, so it is advisable to research several carriers in order to get good rates.

Get More Information

Georgia Department of Insurance
Two Martin Luther King, Jr. Drive
West Tower, Suite 716
Atlanta, Georgia 30334
Phone: (404) 656-2070
Toll Free: (800) 656-2298
Fax: (404) 657-8542

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For other Georgia Insurance Resources, See:

• Georgia Health Insurance
• Georgia Home Insurance

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