Georgia state law requires insurance companies to offer at least a 10% discount to drivers aged 25 and older who have a clean driving record. Once your car (or the vehicle it replaced) has been with State Farm Mutual Automobile Insurance Company for at least three consecutive years with no accident reported during this period, you can receive a discount. However, car insurance rates typically increase after age 70, as risk factors begin to increase for older drivers. Because car insurance companies have different calculation methods for premiums, no two quotes are the same.
The following series of tables shows the cheapest car insurance for young drivers in Georgia, along with the estimated monthly and annual costs. Because of the decline in car insurance rates for teens as they age, there is a significant difference in premiums between drivers aged 16 and 19. You can get discounts on car insurance in Georgia depending on how you drive, the car you own, and your relationship with your insurance company. The company offers useful discounts on auto insurance, including discounts for military installations and low annual miles. As illustrated in this chart, drivers in Georgia who are in their early 20s may find cheaper car insurance rates than when they were teenagers.
Cities with a high number of traffic accidents, car thefts, or high-risk factors may have higher auto insurance premiums. Country Financial offers the cheapest auto insurance policy in Georgia with full and minimum coverage. Just about anyone can get a discount on car insurance in Georgia because most insurance companies make it easy to get a variety of savings. Young adults, older people, drivers with bad credit, military personnel, drivers with speeding tickets, accidents with fault or the effects of alcohol can choose Country Financial, while sports car drivers should consider insurance for car owners.
Geico also offers some useful additional coverage options, such as rideshare insurance, roadside assistance, or insurance against mechanical breakdowns, similar to an extended warranty on a car. MoneyGeek's list of the top auto insurance companies in Georgia is a great place to find affordable, quality service.