How Much is Car Insurance for 17 Year Old Drivers in Georgia?  

Almost every young person in Georgia waits anxiously for the day they turn 17 and can get their driver’s license and legally drive. Most teenagers don’t even worry about the cost of car insurance, but they should. So, how much is car insurance for 17 year old drivers in Georgia? According to insurance experts, state minimum liability rates for 17-year-old drivers in Georgia average around $4,620 per year, which comes out to $385 per month. 

Why are Car Insurance Rates for 17 Year Olds in GA so High?

The freedom of driving comes with responsibility, both behind the wheel and paying for coverage. Teen drivers are considered high-risk by auto insurance companies, meaning their premiums are significantly higher than more experienced drivers.  

Teenage motorist’s lack of experience behind the wheel is the main reason their car insurance rates are so high. Statistics show that Georgia drivers who are 17-year-olds are three times more likely to be involved in a fatal crash than drivers aged 20 and over. Insurance companies price policies based on risk, so auto insurance for teen drivers will be more expensive than for other age ranges.

Teen Drivers are More Distracted 

Teenagers have always been distracted drivers but now with smartphones, the problem is only getting worse. Teens are way more likely to text or talk on the phone while driving than older adults above 40. 

Teens think they can drive and text without any consequences. However, the problem is proving fatal as more teens are getting into fatal crashes, and distracted driving is often the culprit.

Georgia Car Insurance Coverage Requirements  

In Georgia, all drivers are required to carry minimum liability coverage limits of 25/50/25. This means $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability. However, experts highly recommend teen drivers carry more than just the minimum requirements. 

Teens often want to only focus on getting the cheapest Georgia car insurance, which is state minimum liability coverage. However, with a higher likelihood of getting into a wreck than older drivers, it’s recommended they get higher levels of coverage, like collision insurance with greater limits.  

Parents of teenage drivers should purchase ample coverage limits to protect their child in case of an at-fault automobile. Consider getting “100/300/100” liability limits or higher, and if you can afford it get uninsured motorist coverage.

Cheap Car Insurance Companies For 17 Year Olds in Georgia

The table below provides a detailed comparison of minimum coverage rates for 17-year-old drivers from various insurance companies in Georgia. You will be able to make an informed decision when choosing an insurance provider.

Adding more coverage obviously causes rates to go up. Here are sample premiums for a 17 year old driver in Georgia with 100/300/100 limits.  

How a 17 Year Old Driver in Georgia Can Get Cheaper Car Insurance Rates  

There are several ways teen drivers can potentially lower their car insurance costs in Georgia. Here are a few tips to lower car insurance prices for 17 year olds: 

• Maintain Good Grades – Most car insurance companies in Georgia offer a good student discount for teen drivers maintaining a B average or better. This will save a teen about 5% or more.  
• Take a Defensive Driving Course –  By completing an approved defensive driving class. Georgia teen drivers can save up to 15% on their premiums.   
• Limit Driving – If you drive less than 800 miles per month you can get reduced rates and save more than 10%. 
• Get Discounts – Multi-policy, multi-car, military service and safe driver discounts can lead to big savings for teen drivers in Georgia. 
• Opt For a Higher Deductible – Raise your deductible to $1,000 and save big.  

Conclusion

Shopping around is important, as rates can vary dramatically by different insurance providers as you can see in the quotes given. Utilizing an independent insurance agent who can give you quotes from multiple companies is one of the best ways to find cheap car Insurance for 17 year old drivers in Georgia. You can also compare direct rates online with sites like this, 

To get started, enter your zip code and fill out an online quote application. Get the cheapest Georgia auto insurance for a 17 year old and save more.