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Georgia Car Insurance Laws

It is important to know what the laws are regarding car insurance in any state you live in or are planning on moving to. This makes it possible to get an accurate quote of how much you can expect to pay. Our FREE car insurance comparison tool can get you a quote to help you meet the Georgia requirements and get great protection when you enter your ZIP code.

Who to Ask

The Georgia Department of Insurance provides regional assistance and can help clear up any questions you may have. However, most competitive car insurance companies can help you with your Georgia insurance needs. All you need is your ZIP code and some basic information on your vehicle in order to get an estimate of what you can expect to pay.  Use our FREE comparison tool to get auto insurance rates now!

georgia car insurance lawsHowever, certain situational factors can affect how much coverage you will be required to carry. One of the most common scenarios is for an individual that is financing a car. If you have a lease or lien on a vehicle you can expect to pay a different amount when it comes to insurance.

What’s the Minimum?

Actually, it is just that you are required to carry a higher minimum insurance coverage, but the rates themselves will not be affected by a lease of lien. In fact in some situations your rate itself will be less on a newer vehicle due to the implementation of modern safety features that make a vehicle less susceptible to damages or theft. Loans often necessitate full coverage insurance.

This may the financing company can protect their investment. This is almost always more expensive than the minimum insurance required, but will ensure your vehicle is covered against most anything.

Unlike their no-fault state neighbor to the south, in Georgia it is not necessary to carry Personal injury Protection coverage. This is because the individual that is responsible for the accident is required to be liable for all damages via their policy. If you are at fault in an insurance claim it is important to make sure that you are fully covered.

Protecting Yourself

One way to make sure you are fully covered, even if not at fault, is Uninsured/Underinsured Motorist coverage. This is required by law in some states, but not in Georgia. It is a good safety net to help protect yourself in the event of an accident. Even though this is not a necessity according to the law it can be a good addition to any policy.

There are only a few situations wherein insurance is not required in Georgia. This is basically only if a vehicle has been wrecked, if the driver has moved out of the state, or if the ownership of the vehicle has been transferred.

Essentially what this amounts to is the fact that if you want to drive any vehicle in the state of Georgia you will need to be insured. However, if your vehicle is repossessed or stolen you will not be required to keep that vehicle covered.

The Checklist

When you’re shopping for and comparing insurance rates it is important to come armed with the knowledge of what minimum coverage amounts you will be required by law to carry. In Georgia your minimum coverage must include:

  • Liability of 25 thousand per accident for any property damage
  • Liability of 25 thousand dollars for each person for any bodily injuries
  • And a minimum of 50 thousand dollars per accident for any bodily injuries involving two or more individuals.
  • This is required on every vehicle one owns as long as it is registered and in operable condition

Other Considerations

Many major credit cards have the added perk or rental car insurance. If you do not have one that offers this it is possible to purchase coverage from the rental car company for as little as 7 to 14 dollars a day.

Your up to date coverage on a current vehicle will most always be able to satisfy the insurance requirement when renting a car. But, if you do not have any type of insurance, or a credit card that offers coverage, you must purchase the minimum coverage from the rental company in order to drive the car off of the lot.

Things That Can Affect Your Insurance Prices

Though not possible in all states, the state of Georgia is legally permitted to use one’s personal credit history in order to determine car insurance rates. This means that in order to get the lowest possible rates you need a combination of things. Not only will you be required to have a good driving history, but you will also need to have your finances in order and have a good credit score in order to be one of the truly preferred customers.

car insurance laws georgiaA lower credit score generally means that you are less of a risk to the insurance company. This also means that you can enjoy the benefit of having the lowest possible insurance rates.

Getting a Great Quote

When getting a quote you need to know the make, year, and model or your vehicle and exactly what type of coverage you need.

If you get a quote from a site that does not require you to give concrete information such as your zip code it may be possible that you’re getting a lower amount estimate amount due to not having what would otherwise be legally required according to your state.

While all of the big name sites such as AllState, Progressive, State Farm, and Geico require you to give them your address for a quote; some of the smaller websites may not be as in depth. So, make sure you let them know exactly what you’re looking for in order to get the best insurance rate possible. Personalized quotes are available to you when you enter your ZIP code into our FREE comparison tool.

You may be surprised that even some of the less flashy looking websites and companies may be able to give you exactly what you need at a very reasonable rate as long as you know all of the Georgia car insurance laws. Enter your ZIP code into our FREE auto insurance comparison tool now to get reasonable rates!

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