{"id":9860,"date":"2023-10-17T08:34:00","date_gmt":"2023-10-17T08:34:00","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=9860"},"modified":"2023-10-17T20:35:22","modified_gmt":"2023-10-17T20:35:22","slug":"https-www-freewayinsurance-com-knowledge-center-georgia-auto-insurance-rates-factors-premiums","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/https-www-freewayinsurance-com-knowledge-center-georgia-auto-insurance-rates-factors-premiums\/","title":{"rendered":"Georgia Auto Insurance Rates: What Factors Influence Your Premiums?"},"content":{"rendered":"\n
If you live in the Peach State and are wondering how to find the cheapest car insurance in Georgia, read on for the best deal. Different insurance companies use various factors to determine how much drivers will pay for their car insurance<\/a>.<\/p>\n\n\n\n Let\u2019s look at Georgia state laws around insurance and how to find cheap car insurance.<\/p>\n\n\n\n Georgia state law sets the minimum requirements for car insurance for Georgia drivers. The minimum required includes property damage liability insurance and bodily injury liability. In Georgia, drivers must have at a minimum:<\/p>\n\n\n\n According to state law, uninsured drivers who do not have at least the minimum auto insurance coverage can face potential consequences, including suspending and\/or revoking driving privileges. There are different penalties for different offenses. Some of these include:<\/p>\n\n\n\n Criminal penalties may be assessed for the charge of driving without insurance. This is considered a misdemeanor (community service, probation, fines, and imprisonment for less than a year are commonly issued punishments for misdemeanors) and may result in up to a year in jail, a fine of between $200 and $1,000 or both.<\/p>\n\n\n\n Georgia insurance companies report to the state in anytime coverage is cancelled, lapses or when a new policy is in effect. Law enforcement can check the status of your insurance if you get pulled over.<\/p>\n\n\n\n Everybody thinks they pay too much for the cost of car insurance. If you are wondering how to find the cheapest car insurance companies so you can pay the lowest rates and avoid higher premiums, keep reading for some great tips from Freeway Insurance.<\/p>\n\n\n\n State averages indicate drivers in Georgia pay around $53 a month for a minimum coverage policy and $174 monthly for full coverage car insurance.<\/p>\n\n\n\n Auto coverage varies from zip code to zip code, as well as from city to city. Some of the cheapest rates are reserved for those who live in more rural areas, while people driving in congested cities where accidents are frequent pay the highest rates.<\/p>\n\n\n\n For example, a driver in Atlanta<\/a> may pay $71 for the state minimum liability per month, while someone in the rural city of Lavonia may pay $38 per month.<\/p>\n\n\n\n Remember, every person will have a different rate based on many different individual details.<\/p>\n\n\n\n Georgia car insurance rates are not that much different from the average cost of car insurance across the nation. Nationally, full coverage averages $2,014 annually, compared to Georgia\u2019s $2,085. For liability coverage, the national average is $622 annually, compared to $639 in Georgia.<\/p>\n\n\n\n Georgia is an at-fault state, similar to most states in that it uses a tort system, rather than a no-fault system, for its insurance. A tort system requires auto owners to carry liability insurance to help pay for injuries they cause to others when they are at fault for an accident.<\/p>\n\n\n\n Something that is like other states, as well, is Georgia\u2019s graduated licensing program for young drivers called Joshua\u2019s Law<\/a>. This law was passed in 2005 and was named after Joshua Brown, a teen driver who was killed when his vehicle hydroplaned and crashed in Cartersville, GA.<\/p>\n\n\n\n This law requires Georgia 16-year-olds to follow a graduated learning program to receive a driver\u2019s license.<\/p>\n\n\n\n In no-fault states, drivers purchase liability insurance to cover their own bodily injuries and property damage, regardless of who causes an accident. Most no-fault states also require drivers to purchase some form of additional medical payment coverage<\/a> that kicks in immediately after a wreck to help pay for a variety of medical costs associated with an accident.<\/p>\n\n\n\nGeorgia Car Insurance Requirements<\/h2>\n\n\n\n
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Penalties for Driving Without Insurance<\/h2>\n\n\n\n
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Car Insurance Rates <\/h3>\n\n\n\n
How Much is Car Insurance a Month in Georgia?<\/h3>\n\n\n\n
How Much is Car Insurance in Atlanta, Georgia and Other Regions?<\/h3>\n\n\n\n
How Much is Car Insurance in Georgia Per Month Compared to National Averages?<\/h3>\n\n\n\n
Special Considerations in Georgia<\/h2>\n\n\n\n
No-Fault Insurance<\/h3>\n\n\n\n