Average Cost of Car Insurance In Georgia Per Month

The cost of car insurance in Georgia, like in any other state, is determined by a variety of factors. These include the driver’s age, driving record, the type of vehicle they drive, and the coverage they select. On average, most residents of Georgia can expect to pay around $120 to $140 per month for car insurance.

Factors That Affect Average Cost

There are many factors that affect the average cost of car insurance in Georgia. The most significant factor is the driver’s age. Generally, younger drivers pay more for coverage than older drivers because they are considered higher risk. Drivers with a history of accidents or moving violations will also pay more than those with clean driving records. The type of vehicle driven is also a factor, as vehicles with higher values and more sophisticated safety features cost more to insure. And of course, the coverage limits and deductibles chosen will affect the overall cost.

Minimum Coverage Requirements

Georgia law requires all drivers to carry certain minimum levels of car insurance. This includes liability insurance to cover any damages that the driver may cause to another person or property. It also includes uninsured/underinsured motorist coverage, to protect the driver if an accident is caused by someone without insurance. And, it includes medical payments coverage to cover medical costs from an accident. The minimum coverage required by Georgia law is 25/50/25. This means coverage of $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $25,000 for property damage per accident.

Optional Coverage

Although the minimum coverage required by law is enough to cover most accidents, many drivers choose to purchase additional coverage. This can include collision coverage, which pays for damage to the driver’s vehicle in an accident; comprehensive coverage, which pays for damage to the vehicle caused by things other than accidents, such as theft or vandalism; and gap coverage, which pays the difference between the value of the vehicle and the amount the driver owes on it. All of these optional coverage choices will increase the cost of the policy.

Discounts

There are several ways to save money on car insurance in Georgia. Most companies offer discounts for drivers who maintain good driving records or have taken a defensive driving course. Some companies also offer discounts for insuring multiple vehicles, having a good credit score, or being a member of certain organizations or professions. It’s always a good idea to ask your insurance company about any discounts that may be available.

Conclusion

The average cost of car insurance in Georgia per month is around $120 to $140. However, the actual cost can vary widely based on a variety of factors. Drivers should always compare quotes from multiple companies to get the best rate. Additionally, they should make sure they have the coverage they need to protect themselves and their vehicles in the event of an accident.