Georgia has an extremely tough stance against drunk driving, and drivers with a DUI or a prior citation can expect to pay a much higher rate for insurance. A car insurance calculator in the state can help you determine what your premiums will be. This tool also includes information on other important aspects of your insurance coverage, such as minimum coverage and uninsured motorist protection.

Uninsured motorist protection

There are many factors to consider when determining the cost of car insurance in Georgia. Your driving record and coverage limits will play a big role, as will your ZIP code. Moving to a more affordable ZIP code will lower your costs. The most expensive ZIP codes are Redan and Clarkstown.

The best way to determine your Georgia car insurance costs is to determine your specific needs. While you do need to carry minimum liability coverage for bodily injury per person and property damage, you may want to consider purchasing additional liability coverage and comprehensive coverage to protect yourself and your family from the financial impact of an accident.

Minimum coverage

The minimum coverage for Georgia car insurance is required by law. Failure to carry the minimum amount of coverage can result in serious penalties, including monetary fines and jail time. Failure to carry the required amount of insurance can also leave you liable for damages caused by another driver who does not have adequate coverage.

Georgia requires drivers to carry liability insurance, but this is often inadequate for protecting victims of crashes. Injuries caused by negligent drivers can result in massive payouts. Even “mild” soft tissue injuries can require months of physical therapy, pain medication, or even surgery.

Credit score

If you have good credit, you can save a lot on Georgia car insurance. Insurers often consider your credit score when deciding how much to charge. They figure that drivers with bad credit are more likely to file insurance claims, so they want to reduce the risk of this happening. While some states do not allow insurers to consider your credit score in setting rates, Georgia does.

If you have bad credit, your rates will be higher. Bad credit in Georgia can increase your rates by as much as 92 percent. This is a disproportionate amount, and it’s not fair for anyone. To avoid this problem, pay your bills on time and keep your credit card balance low. You can also monitor your credit with Experian.

Driving record

There are many different factors that affect the price of your car insurance in Georgia. These factors may include your age, driving record, and coverage levels. Each of these factors will have a different effect on your overall rate. Your insurance policy may also differ from the average rate because of your unique combination of characteristics. For instance, your car insurance premium could be lower if you have no traffic violations or are a good student. Accident forgiveness programs and good student discounts are also ways to reduce your rates. In addition to these options, state law requires that all drivers in Georgia have liability insurance. Most drivers, however, need more coverage than this.

Using a car insurance calculator will give you an estimate of what your premium will cost based on your information. The cost of your insurance will depend on the type of policy you choose, your driving record, and your ZIP code. In some cases, you can save money by moving to a cheaper ZIP code. For example, a driver with a clean driving record in the Athens area may have a lower premium than someone with two speeding tickets in Augusta. Your driving record, credit score, and marital status can all affect your premiums.