Average Auto Insurance Cost Per Month In Georgia

What is the Average Cost of Auto Insurance in Georgia?

If you're looking for auto insurance in Georgia, you may be wondering what the average cost of auto insurance is. According to the Insurance Information Institute (III), the average cost of auto insurance in the Peach State is $1,127 per year. That breaks down to an average of $94 per month, or about $3.17 per day. This is slightly higher than the national average, which is $889 per year or $74 per month.

There are several factors that determine the cost of auto insurance in Georgia. These include your age, gender, driving record, type of vehicle and the amount of coverage you purchase. The III also notes that insurance rates also vary by insurer and location. For example, a driver in rural Georgia may pay more than a driver in an urban area, since the risk of accidents is higher in rural areas.

Minimum Auto Insurance Requirements in Georgia

All drivers in Georgia must carry a minimum amount of auto insurance coverage. The minimum liability coverage required is $25,000 per person for bodily injury and $50,000 per accident for bodily injury. Additionally, drivers must carry a minimum of $25,000 for property damage. Liability coverage is designed to protect you from financial losses if you are found liable for an accident.

In addition to liability coverage, Georgia requires all drivers to carry uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident. This type of coverage provides financial protection if you are in an accident with someone who does not have enough insurance or is not insured at all.

Factors That Affect Your Auto Insurance Rates in Georgia

Your auto insurance rates in Georgia will depend on a variety of factors, including your age, gender, and driving record. Generally, younger drivers pay more for auto insurance than older drivers, since they are considered to be a higher risk. Additionally, male drivers tend to pay higher rates than female drivers, due to the fact that they are more likely to be involved in accidents.

Your driving record also plays a major role in determining your auto insurance rates. If you have a history of moving violations or accidents, your rates will be higher than if you have a clean driving record. Additionally, the type of car you drive can also affect your rates. Generally, luxury cars and sports cars cost more to insure than smaller, more fuel-efficient vehicles.

Discounts Available in Georgia

If you're looking for ways to save on auto insurance in Georgia, there are several discounts available. One of the most common discounts is the safe driver discount, which is available to drivers who have a clean driving record. Other discounts may include those for good students, multiple vehicles, and members of certain professional organizations. You may also be able to save by bundling your auto insurance with home or life insurance.

How to Find the Best Auto Insurance in Georgia

Finding the best auto insurance in Georgia can be a daunting task, as there are so many companies and policies to choose from. To make the process easier, you should start by getting quotes from multiple companies. Be sure to compare the coverage and premiums of each policy to ensure you're getting the best deal. Additionally, it's important to read the fine print of any policy you're considering to make sure it meets your needs.

You can also get help finding the best auto insurance in Georgia by speaking to an experienced insurance agent. An agent can compare policies and help you find the right coverage for your needs. They can also answer any questions you may have and explain the details of each policy.

Conclusion

The average auto insurance cost per month in Georgia is $94. However, this amount can vary depending on a variety of factors, including your age, gender, driving record, and type of vehicle. Additionally, all drivers in Georgia must carry a minimum amount of auto insurance coverage to legally drive. To find the best auto insurance in Georgia, it's important to get quotes from multiple companies and compare the coverage and premiums of each policy. You can also get help finding the best auto insurance in Georgia by speaking to an experienced agent.