You won’t be enjoying many trips to the ATL or Grandma’s Southern dinners for long if you do not carry the state required auto insurance coverage on your vehicle at all times. Liability insurance coverage is required to be carried by all drivers with a registered vehicle in the state of Georgia. The state has mandated minimum amounts of coverage they feel is sufficient for drivers to carry. Your policy must include these minimum amounts or more to comply with the rules of the state. Proof of this insurance coverage must be presented to the Georgia Department of Motor Vehicles in order to register a vehicle.
Georgia Car Insurance Requirements
The following policy must be carried (at a minimum) to legally drive in the state of Georgia.
- $25,000 per person/$50,000 total Bodily Injury coverage
- $25,000 Property Damage coverage
These policy amounts are only the required amounts. If you want to better protect yourself against an accident you can add higher amounts of coverage.
Optional Car Insurance in Georgia
In addition to the state required liability insurance coverage drivers can elect to add additional optional policies for added protection. Additional coverage types include collision and comprehensive coverage, uninsured/underinsured motorist coverage, rental car coverage and Medical and funeral services coverage.
Factors Affecting Georgia Car Insurance Rates
You might be wondering why you see all of those commercials on TV promising to save you 40% by switching, yet that company making those promises offers you a policy that costs more than what you pay already. The answer is simple: car insurance isn’t a one-size-fits all policy. Car insurance companies use many different factors to determine the amount that you will pay for your coverage, which explains the price differences commonly found. Some of the biggest factors that affect the amount of your policy:
- Age and gender
- Type of vehicle being insured
- The city that you live in (As you might expect, those who live in larger cities will pay a bit more for their coverage than people in smaller towns)
- Educational background
- Type of insurance coverage you desire
- Marital Status
- Previous insurance record
- Driving record
- Credit Score
All car insurance companies use different tools to determine your car insurance rates based upon the factors listed above and others. To keep your car insurance rates low, obey all rules of the road, pay your insurance coverage on time without allowing it to lapse, and pay your bills on time.
Georgia Car Insurance Discounts
Although liability coverage is required to be carried in the state, what isn’t required is to pay more than you should for the policy. Numerous discounts can be used by qualifying individuals to cut their costs on auto insurance. While Georgia has no state-specific discounts, you may be eligible to receive discounts from the auto insurance company of your choice. Some of the potential discounts that you might qualify for include:
- Safe Driver discounts
- Loyal Customer discounts
- Paid in full discounts
- Multi-Policy discounts
- Good student discounts
The discounts are there for you to take advantage of, so don’t miss out on the opportunity to save some serious cash! Inquire of any available discounts when searching for car insurance and you’ll save money guaranteed.
Georgia Car Insurance Quick Facts
Georgia is one of only a few states that do not require drivers to carry proof of insurance in their vehicle. Instead, car insurance information is stored inside of a statewide database that is verified by law enforcement. GEICS is the name of this database, and it is the responsibility of the insurance company to report your insurance standing to this system. While there is no law that states you must have proof of auto insurance in your vehicle, it is important that you keep the insurance card given to you by the insurance company in a safe place in your vehicle. This way you can easily access your car insurance information and exchange it with the other driver if you are involved in an auto accident.
Should you be caught driving without auto insurance in Georgia you are committing a crime and there are penalties to pay for this violation. You will definitely have an assortment of fines to pay, and may be subject to suspension of your driving privileges and vehicle registration.