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Georgia Car Insurance

As the temperature rises, tourists flock to Georgia’s sandy beaches and beautiful mountains for rest and relaxation. While many people may not realize how popular of a tourist spot Georgia is, its residents feel the influx every year on its highways and bi-ways. Because of this it is very important for Georgians to carry adequate insurance coverage for their vehicles. is dedicated to helping Georgia motorists find the lowest online quotes for car insurance policies from well known companies they can feel comfortable doing business with.

Georgia Minimum Car Insurance Requirements

Because of the increase in motorists on its roadways and the increased chance of its residents being involved in a collision, Georgia’s minimum car insurance requirements are higher than many other states. The minimum liability coverage is set at 25/50/25 for bodily injury and property damage.

• Bodily Injury Liability- Bodily injury liability covers the medical expenses of the driver and passengers of the other vehicle. If you obtain only the minimum required coverage the insurance company will pay a maximum of $25,000 for a single person and a maximum of $50,000 for all persons for a single incident.
• Property Damage Liability- Property damage liability covers repairs to public and private property such as road signs and homes as well as the other party’s vehicle. Minimum coverage will allow for a maximum payout of $25,000 per incident.

With the ever-increasing costs of medical expenses and repairs, it is advisable that Georgians obtain better-than-minimum coverage for their vehicles. The state of Georgia also advises its motorists to obtain some type of Comprehensive and Collision coverage to pay for damages to their vehicle if they are found to be the at-fault party or if their vehicle is damaged by acts of nature such as hail or wildlife.

Uninsured/Underinsured motorist protection is also recommended by the state of Georgia because of the chance of other motorists failing to maintain adequate insurance coverage. UM protection will help cover damages to your vehicle if the other motorist does not have adequate insurance protection.

Another type of coverage offered by many Georgia car insurance companies is Gap coverage. In the event that your vehicle is totaled in an accident, insurance companies will pay a maximum of the Kelly Blue book Value to the insured party. Unfortunately, this does not always cover the total loan value of the vehicle. Gap coverage helps to fill the gap between the Blue Book value and the actual loan value owed.

Georgians, on average, pay less for their auto insurance premiums than many other states. While the national average for 2007 was $1896, Georgia residents paid an average of $1627. This is down 4.8% from the 2006 average of $1705. wants to help Georgia motorist pay the lowest price possible for their insurance policies. That is why searches our partner companies for cheap car insurance quotes for each of our customers, allowing them to choose the best insurance policy for their vehicles. And getting the quotes is easy. After entering their Zip code, our customers will be asked a few general questions about their driving record. will then scour the Internet to find the lowest online Georgia car insurance quotes. It’s quick, it’s easy, and best of all it’s free!

Cities in Georgia

Car Insurance by State

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