Georgia residents’ car insurance costs depend on several key factors, the most influential of which include whether or not they add a teen driver, their age and what level of coverage they choose (i.e. full coverage with liability, collision, and comprehensive). On average in Georgia full coverage costs about $892 annually while adding medical payments could cover costs related to an accident; uninsured motorist coverage protects drivers who cause the collision but don’t have coverage themselves.
Georgia drivers can expect to pay higher auto insurance premiums than the national average, according to WalletHub’s estimates. Drivers in Georgia typically pay an average annual minimum coverage premium of $639 and an annual full coverage premium of $2,085. Partly responsible is Georgia insurers using credit scores as an element when setting rates – people with poorer credit often have higher premiums compared to those who possess excellent scores.
Georgia insurance rates depend on several key factors beyond credit scores, such as previous accidents and traffic violations and driving record. According to WalletHub, high-risk drivers in Georgia typically pay approximately 27% more for auto insurance than drivers with good driving records. Citations for speeding could increase your rate hundreds of dollars; too many could lead to suspension. Luckily if you have been issued one recently shopping around may help find better rates.
MoneyGeek’s top picks of Georgia car insurance providers boast competitive pricing and outstanding customer service, such as Nationwide, Ameriprise, Allstate and USAA. These providers provide an ideal balance of affordability and service quality – offering discounts such as bundling home and auto policies together and remaining with one provider for multiple years – military families can even receive special consideration by showing proof of their status!
Reduce coverage or increase deductible to save. But doing so may leave you vulnerable in case of an accident; taking safe driving precautions such as obeying speed limits and not driving while distracted can also help avoid expensive tickets. MoneyGeek’s car insurance calculator and list of recommended providers will assist in finding an optimal balance of affordable yet comprehensive coverage to meet your needs.