Average Cost of Car Insurance

Average Car Insurance Cost

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Average Car Insurance in Georgia

Georgia is not an at-fault state. This means that if there is an auto accident, someone must be proven to be at fault, and their insurance coverage must pay for all damages that are a result of the accident. If you are looking for average car insurance in Georgia, it is important to be sure of all of the requirements to make sure that you have what you need to be legally on the roads. If you are found to not have the proper amount of insurance coverage, it can result in fines, suspension of driving privileges, and more.

Georgia Auto Insurance Requirements

If you live in Georgia, you are required to carry at least $25,000 of bodily injury liability insurance for every injured person in the accident, up to a total of $50,000 per accident. You are also required to carry a minimum of $25,000 in property damage liability coverage. This is the basic coverage the state allows, and it is often referred to as 25/50/25 coverage. As of January 1, 2009, drivers are also asked to carry uninsured/underinsured motorist coverage. This is not a requirement, but it is a good idea to have it just in case. There are just too many people on the roads who are not carrying enough, or any insurance, and if you are in an accident with one of these drivers, you could end up with a lot more expenses than you can really afford.

More is Better

The more insurance coverage you have, the better off you are going to be if you end up having an accident. No matter who is at fault in an accident, both parties are going to end up with expenses in one way or another. Having additional coverage over and above the average car insurance in Georgia will help you if you do have an accident and end up with a lot of bills, medical and other expenses, as a result. Some of the additional coverage that you should consider adding to your policy if you don’t already have it includes:

  • Comprehensive Coverage – What would happen if a tree limb were to fall on your vehicle and cause a lot of expensive damage? Would you be able to afford to pay for the repairs? Auto repairs, especially body work, can cost a lot of money. If you have comprehensive coverage, you won’t have to worry about this. This type of coverage will pay to repair or replace your vehicle if it is damaged due to certain circumstances. Some of the things that are covered include damages caused by severe weather, theft and vandalism.
  • Collision Coverage – If you are at fault in an accident and you have damages to your vehicle, your collision coverage will pay for repairs up to a certain amount depending on what you have chosen for your policy. As a rule, collision and comprehensive coverage are put together in full coverage auto insurance policies.
  • Personal Injury Protection (PIP) – If you are lucky, you will not be injured as a result of an auto accident. But if you are injured, you will need to be able to pay for all of your medical expenses. If you are at fault in an accident, you can’t expect your liability insurance to take care of it, nor can you expect the other driver to pay for any of your expenses. If you have personal injury protection, you can rest assured that you won’t have to pay all of your medical expenses out-of-pocket.

Georgia Drivers Receive Better Rates

Did you know that the average auto insurance premium paid by drivers throughout the United States is about $1,600 annually? If you live in Georgia, you can expect to pay a little bit less than this. The average car insurance in Georgia usually costs about $1,568 a year. Of course, these are just general numbers, but it does give you an idea of what you can expect to pay for your auto insurance coverage. While this may not seem like much of a savings, it can add up, and if you are getting additional coverage, you may find that you can save even more money. In the past few years, Georgia drivers have seen their rates drop.

Shopping Around for the Best Insurance Rates

You’ve probably seen all of the television commercials for national insurers, and they all say that they are offering the best rates on their insurance products. The thing is, they never actually say what their rates are. If you simply trust one of these companies and don’t see what they others are charging, you will never really know whether or not you actually are getting the best rates. It is important to shop around to really know that you are getting the best prices for auto insurance. If you are looking for the rates for average car insurance in Georgia, you can request that you just get the rates for the minimum required amount. It would be even better to get quotes for this amount, as well as for what it would cost to have additional coverage.

What you need to do is sit down and figure out exactly what you think you need for auto insurance, and what you can afford to pay for it. Then, you can contact the various insurers to see what they are charging. If you want to save a lot of time and effort, you can let us do a lot of this work for you. Once you have decided the type of coverage you want, simply let us know, and we will search our databases to get free quotes from insurers in your area. All we need is some information about your insurance needs, and your zip code.

Check us online to get the best rates for average car insurance in Georgia, as well as the rates for additional coverage. You may find that it is not nearly as expensive as you thought, and that you can afford to have full coverage.