The cheapest car insurance companies in Georgia are Country Financial, Auto-Owners, and USAA, and getting quotes from several companies can help you find the best deal. Auto insurance policies in Georgia must include liability insurance, which pays for property damage and other people's injuries if you cause an accident. If a car has higher accident statistics, an insurance company may determine that it is more likely to be involved in a car accident and may quote higher premiums to it. Cars that cost more to repair, such as foreign vehicles with imported parts, generally have higher auto insurance premiums.
SmartFinancial Insurance is a digital insurance comparison engine that offers real-time insurance rates and services in all 50 states through its relationships with airlines and partner agencies. It helps manage the creation of insurance content that meets the highest quality standards in terms of accuracy and clarity to help Bankrate readers search for complex information on home, auto and life insurance. Visit NerdWallet's guide to car insurance requirements by state to learn more about how to buy your car insurance policy in Georgia. Auto insurance companies will generally charge younger drivers more and offer discounted rates for older drivers.
Insurance companies use specific rating factors to calculate insurance premiums, such as your age, the make and model of your vehicle, your credit history, and your driving history. Since car insurance is a requirement in all 50 states, companies may wonder why you don't currently have coverage. By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than they did in their teens and 20s. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
Searching for cheap car insurance quotes with several insurers is the best way to find lower rates. Meanwhile, if your car comes equipped with certain safety features, your car insurance company may reduce your rates, although it's worth noting that repairing some advanced security features can also cost more if damaged.