Cheapest Full Coverage Car Insurance In Georgia

The cheapest full coverage car insurance in Georgia, according to our most recent analysis is Auto Owners, with rates averaging $1,162 per year or $97 per month. The average cost of full-coverage auto insurance in Georgia is $2,520 annually, totaling $210 per month. 

Getting cheap full coverage car insurance in Georgia will depend on many factors, including your age, the type of vehicle driven, and zip code. The best way to get cheap full coverage insurance in Georgia based on your risk profile is to compare multiple quotes from local and national providers. With a bit of research and comparison shopping, you can save hundreds of dollars on your annual premium while securing comprehensive protection on the road. To get started with your custom quote, enter your zip code.    

We’ve compiled this handy guide to help local drivers find the best full coverage auto insurance plans in GA. We’ll help you navigate the various insurance options that won’t break the bank but will keep you well-covered at the cheapest possible rates.  

Does Georgia Require Full Coverage Car Insurance? 

In Georgia, you are not required by law to buy full coverage car insurance. However, it’s important to note that if you finance or lease your automobile in Georgia, you will likely be required to purchase this type of coverage.  

Full Coverage Insurance Limits 

To get the cheapest full coverage rates in Georgia, we used the following coverage limits: 

• $100,000 coverage for bodily injury liability, per person.
• $300,000 coverage for bodily injury liability, per accident.
• $50,000 coverage for property damage liability, per accident.
• $100,000 coverage for uninsured motorist coverage, per person.
• $300,000 coverage for uninsured motorist coverage, per accident.
• Comprehensive insurance coverage with a $1,000 deductible.

What Insurer Has The Cheapest Full Coverage Insurance In GA? 

Auto-Owners, Central Insurance, Country Financial, Georgia Farm Bureau, and Allstate have the cheapest full coverage car insurance rates in Georgia. Qualified drivers can often get full coverage rates for under $100 a month.  

Auto-Owners

Auto-Owners is a top contender when it comes to the cheapest full coverage car insurance in Georgia.

One of Auto-Owners’ greatest strengths lies in its extensive network of independent agents who are not only adept at helping customers navigate through various policy choices but also assist with any claims that may arise.

In addition to their competitive rates, this insurer offers numerous discounts such as multi-policy bundling and safe driver incentives to help further lower your full coverage premiums.

Central Insurance

Central Insurance is an excellent option for Georgians seeking affordable full coverage car insurance.

One advantage of choosing Central Insurance as your provider is their large network of independent agents. They work throughout the state of Georgia, ensuring that you receive tailored advice specific to your insurance needs.

Moreover, they offer various discounts such as multi-policy discounts, safe driver discounts, and even reduced rates for drivers with low annual mileage. In addition to competitive pricing, Central Insurance provides exceptional customer service and prompt claims processing.

Country Financial

Country Financial is another excellent option for those seeking the cheapest full coverage car insurance in Georgia. This well-established company offers a comprehensive range of insurance products, including auto, home, and life coverage.

One standout feature of Country Financial’s car insurance offerings is their list of discounts that can help you lower your premium even further. For instance, you may qualify for savings if you maintain a good driving record or enroll in one of their approved driver education courses.

Georgia Farm Bureau

Another top contender for the cheapest full coverage insurance in GA is Georgia Farm Bureau Insurance. This company has been serving rural communities since 1937 and provides discounts to farmers, which can extend to other types of policyholders as well.

Additionally, customers can benefit from various discounts like good driver discounts, multi-car discounts, and good student discounts. Drivers with clean records are also eligible for safe driving rewards that include cheaper premiums over time.

Factors That Affect Full Coverage Car Insurance Rates In Georgia

Combine these factors with their already affordable rates, and it’s easy to see why this company ranks among the top choices for cheap GA full coverage car insurance.

Your driving history, vehicle model, location, and credit score are all factors that can affect your car insurance rates in Georgia.

Driving History

Your driving history is a major factor that determines how much you pay for car insurance in Georgia. If you have a clean record with no accidents or traffic violations, your premiums are likely to be lower than someone with multiple speeding tickets or at-fault accidents.

However, if you do have infractions on your record, don’t worry. You can still find cheap full coverage car insurance in Georgia by comparing rates from several providers.

Some insurance companies in GA offer accident forgiveness programs or safe driver discounts to help offset the impact of past incidents on your premium, which can help lower your rates.

Vehicle Model

The type of car you drive can significantly affect your car insurance rates in Georgia. Generally, cars with higher safety ratings and lower likelihoods of theft or damage will have lower insurance premiums. For example, a Toyota Corolla is likely to have cheaper insurance than a sports car like a Mustang or Corvette.

When searching for the cheapest full coverage car insurance in Georgia based on vehicle model, it’s important to consider how much protection you need versus what you’re willing to spend on monthly payments. The insurance limits you need will affect your premiums, in addition to your deductible.  

Location

Where you live in Georgia can also affect your car insurance rates. Urban areas in Georgia typically have higher full coverage premiums than rural areas due to the increased risk of accidents and automobile thefts.

Also, some neighborhoods within cities throughout Georgia may be deemed high-risk because of their crime rates, traffic congestion, or natural disasters history. If you reside or work in such areas, then expect that your full coverage premiums will be higher as well.

Credit Score

Your credit score is a critical factor that affects your car insurance rates in Georgia. Insurance companies use credit scores to evaluate the likelihood of policyholders filing claims.

A good credit score above 650 indicates that you are financially responsible and able to meet financial obligations on time. Thus, insurers view drivers with good credit scores as less risky customers who are more likely to pay their premiums on time and less likely to file claims.

If you want cheaper full coverage car insurance in Georgia, it’s essential to maintain a healthy credit score above 650  by paying your bills on time and keeping your debt levels low.

Tips For Finding The Cheapest Full Coverage Car Insurance In Georgia

To find the best full coverage insurance in GA, compare quotes from different companies, increase your deductibles to lower premiums, ask for discounts that you qualify for, and maintain a good driving record to get better rates.

Compare Quotes

A super important step to finding the cheapest full coverage car insurance in Georgia is to compare quotes from multiple providers. Don’t just go for the big national companies like Farmers or Progressive but regional Georgia insurers like Country Financial, who often have lower rates. 

It’s no secret that insurance rates can vary greatly depending on the provider, so taking the time to shop around and review multiple quotes is crucial. Before you buy a full coverage car insurance policy in Georgia, you should review at least ten quotes. Many online tools and resources are available to help you compare quotes easily and quickly. When comparing quotes, be sure to take note of what each policy includes and excludes so that you can make an informed decision.

For example, let’s say you’re considering Auto-Owners for your full coverage car insurance needs in Georgia based on their reputation for providing affordable rates. However, after comparing quotes with Central Insurance and Country Financial as well, you discover that Country Financial often has competitive rates for your specific vehicle model and driving history.

Increase The Deductible

Another way to lower your premiums and find the cheapest full coverage car insurance in Georgia is by increasing your deductibles. A deductible is the amount you pay out of pocket before your insurance company covers their part of a claim.

For example, if you raise a $500 deductible to $1000, the insurer will charge less for monthly premiums because they know they will be paying less for any claims. Raising your deductible to $1,000 will help you get cheap full coverage car insurance in GA, and it’s something you can control.  

Ask For Discounts

Don’t be afraid to ask about discounts when searching for the cheapest full coverage car insurance in Georgia. Many insurers offer various discounts, such as:

• Safe Driver  
• Bundling Auto and Home Policies
• Completing a Defensive Driving Course
• Insuring Multiple Car 
• Good Student 
• Senior Citizen 
• Anti-Theft Devices
• Military and Veterans

For example, if you have a clean driving record and take a defensive driving course, you may qualify for a discount of 3% or more.  

Another way to get discounted rates is by installing safety features in your vehicle. Anti-theft devices like an alarm system or GPS tracker can help reduce the risk of theft or damage to your car and will make it less expensive to insure.

Maintain A Good Driving Record

Keeping a good driving record is one of the most effective ways to secure cheap full coverage car insurance in Georgia. A clean driving history without accidents, traffic violations, or claims significantly reduces your chances of being considered a high-risk driver by insurance providers.

However, if you have blemishes on your driving record such as tickets, accidents, or DUI offenses, it’s never too late to start building a better track record. Go to traffic school so recent tickets don’t go on your driving record, practice safe driving habits and stay accident-free. Also, if you take and complete a defensive driving course, this will improve your credibility with insurers while allowing you to learn new skills and techniques for avoiding road hazards.

Conclusion

Finding the cheapest full coverage car insurance in Georgia requires some research and careful consideration. Auto-Owners, Central Insurance, Country Financial, and Georgia Farm Bureau are among the companies that offer affordable rates without sacrificing coverage.

Factors such as your driving history, vehicle model, location, and credit score can affect your insurance rates. To get the best deal possible, compare quotes from different providers and consider increasing your deductibles in addition to getting all the discounts you can. 

To compare several quotes and find the cheapest full coverage insurance in GA, enter your ZIP code and fill out an easy five-minute application online. Save hundreds on the Georgia car insurance coverage you need.