How to Save on Georgia Car Insurance? 12 Tips to Reduce Costs

By Randy Luton | Last Updated: 05/10/2022

Key Insights:

  • Georgia is one of the top 10 most expensive states to buy car insurance.
  • The average cost of car insurance in Georgia is more than $1600 per year.
  • High risky weather and a large number of vehicle thefts are two major reasons for the higher car insurance rates in Georgia.

If you are also a driver from Georgia who is looking for an affordable car insurance rate in your state then you are not alone. The rate of auto insurance is actually expensive for most of the drivers in Georgia. There are several factors that affect the cost of car insurance policy and make it difficult for drivers to afford good insurance coverage.

But there are some amazing ways to save a good amount of money on your insurance policy. And RateForce is here to discuss both today!

Average Car Insurance Cost in Georgia

Wondering how much is car insurance in Georgia? The average car insurance in Georgia is higher than in most of the other states. Each company has its own way of calculating the cost and this is the reason behind the huge difference between the cost of buying insurance from companies like State Auto and Nationwide.

Below is the list of top companies of Georgia along with their rates:

Insurance CompanyAverage Cost Of Car Insurance In Georgia Per Year
Auto-Owners$1017
GEICO$1189
Mercury$1264
Nationwide$1424
MetLife$1505
Progressive$1784
Esurance$1907
Country Financial$2055
State Farm$2138
Allstate$2484

Why Car Insurance is Expensive in Georgia?

There are several reasons that car insurance is expensive in Georgia including high-risk weather, no limit on the premium increase, and high cost of car repair. Other than these there are several major reasons that affect the cost of insurance in Georgia state:

1. Expensive Healthcare Cost

Even though there are some cities like Atlanta where citizens can get free healthcare, still the cost of average healthcare is higher. Higher healthcare costs mean car insurance companies will have to pay higher claim amounts to the drivers even for small injuries. This is why insurance companies sell their policy at higher rates to make sure they are not paying anything from their pocket.

2. A High Number Of Uninsured Drivers

The number of uninsured drivers in Georgia is not as high as in other states like Alabama but still, the number is high enough to increase your car insurance policy cost.

3. High Vehicle Theft

Georgia is among the top five states with the highest number of vehicle thefts. Vehicle theft comes under totaling which means the company will have to pay huge compensation as a result they charge you higher.

4. Dangerous Highways

Georgia is the fourth state to have a higher number of fatal accidents, especially on highways. More accidents mean more claims hence higher insurance rates.

5. No Limit On The Premium Increase

Every insurance company is required to take permission from the commissioner to increase the premium amount in almost every state but it is not required in Georgia. Unless the premium increase is more than 10 percent they don’t have to take permission from the insurance commissioner.

6. Higher Repair Costs

The repair of vehicles is higher in Georgia as compared to most of the other states. A driver will have to pay on an average $395 to repair his or her car which is higher when compared to other states like Ohio and Michigan.

How to Save on Georgia Car Insurance? 12 Ways

Now that you know the reason behind higher insurance rates in Georgia; let’s have a look at different ways to get affordable car insurance in Georgia:

  1. Get Married
    If you are married and you have not informed your insurance agent yet then you should do it today. Most of the insurance companies consider unmarried drivers as risky and married drivers as less risky or safe hence higher rates for unmarried drivers and lower for married ones.
  2. Complete Defensive Driving Course
    Drivers who have completed the defensive driving course get a special discount as they are considered responsible and safe drivers as compared to others.
  3. Adopt Automatic Payment Option
    Automatic payments need less paperwork and time for premium payment and policy renewal hence insurance companies provide discounted rates to drivers who have adopted the automatic payment option.
  4. Save Yourself From Traffic Tickets
    Drivers with less or no traffic tickets are considered safe drivers because they don’t get into collisions and accidents. Hence they get lower insurance rates as compared to other drivers.
  5. Consider Buying Different Policies From The Same Company
    Buying different policies from your insurance company like mobile home insurance, home insurance, commercial auto insurance, motorcycle insurance, boat insurance, renters insurance, condo insurance, RV insurance, etc.
  6. Try To Improve Your Credit Score
    Most car insurance companies check the credit score of drivers to know the reliability of drivers. If you have a strong credit score then you can get lower insurance rates as your company will consider you as a reliable driver.
  7. Compare Rates From Different Companies
    Comparing car insurance rates of different companies will help you understand the exact situation of the market. Every company has its own way of calculating the insurance rates hence you might see a huge difference.
  8. Get Yourself A Safe Parking Space
    Insurance companies check where you are parking your car as it will affect your claims. If you are parking your car in an open space like outside your car on the street then the chances of other vehicles colliding with yours are higher. Also the chances of vehicle theft increase, as a result, you will have to file claims hence you will have to pay a higher premium.
  9. Ask For Employee And Organization Discount
    Most insurance companies provide discounts to employees of certain companies and organizations. If you work for a big company or major organization then consider asking for a discount.
  10. Buy A Car With Advanced And Modern Features
    Cars with anti-lock brakes, automatic seat belts, and other modern features are considered safer by insurance companies. If your car has all the modern features then you can ask for a discount.
  11. Raise Your Deductible Amount
    A higher deductible rate will lower your policy rates as you will have to pay a certain amount from your pocket first. But it is always better to check your driving record and skills before selecting this option. If you are not sure about your driving and you can get into accidents then it is better to avoid higher deductibles.
  12. Try To Drive Less
    If you live near your workplace or in the middle of the town/city then try to cover some distance by walking or with public transportation. Driving your car less will decrease the overall premium amount.

Over To You

As per a report by Atalanta Journal; Georgia was at number 1 in the list of most expensive car insurance states until 2017 and still, it is among the top 5 most expensive states for car insurance.

Afraid to buy car insurance in Georgia? RateForce has the perfect time-saving solution for you. Get instant access to the list of top car insurance companies available in Georgia that provides affordable policies as per your profile. Compare quotes and buy the best policy.

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SOURCES

  • Read CarMD for 2021 State Wise Vehicle Repair Cost Rankings on 11 January 2022.
  • Read Federal Highway Administration for 2021 Traffic Volume Number and Trends on 11 January 2022.
  • Checked Insurance Information Institute (III) for Facts and Statistics about Auto theft on 11 January 2022.
  • Studied Article on the Atlanta Journal-Constitution for Georgia is at number 1 in the nation for an increase in auto insurance rates on 11 January 2022.
  • Checked World Population Review for the number of fatal Car Accidents By State 2021 on 11 January 2022.

Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.