Georgia Car Insurance

Georgia Car Insurance

The population of Georgia has grown significantly over the last decade with an increase of nearly 5%. This rise in population has effects on the safety of the roads by increasing the volume of drivers creating more wear and tear on the roads and congestion in the highway system. While the state continues to work hard to advocate safe driving and maintain roads, these factors can be a big risk factor for area drivers. Quality auto insurance can help Georgia residents protect themselves and their vehicle while traveling. A professional independent insurance agent is a local professional who is familiar with the dangers residents may encounter during their daily routines and can help them find coverage that fits their needs.

In Georgia, one in ten drivers is involved in a car accident on average. Although injuries in Georgia car accidents have declined, the Department of Transportation reports that the number of people injured in motor vehicle crashes in the year 2003 alone would fill Turner Field, the home of the Atlanta Braves . . . twice. While not every accident ends in injury, it is important to be prepared with car insurance. Car insurance coverage is not only required by the state, it also is required by most financial institutions when a loan is taken out for purchase of a vehicle. A professional independent auto insurance agent knows the laws and regulations that Georgia drivers need to think about when reviewing their car insurance options. They can help residents by answering auto insurance questions and reviewing their coverage options with them so they can make an informed decision.

Georgia is the fifth worst state in the nation for auto theft. If you’re purchasing auto theft insurance expect to pay a higher premium.

At minimum, Georgia estimates that the average cost of crashes on public roadways per year is $156 million statewide. This statistic does not include any medical or legal costs of injuries. Reducing the out-of-pocket costs that are associated with accidents ranging from a minor fender bender to a serious collision is important to drivers.

Key Statistics according the Insurance Information Institute and the National Highway Safety Administration:

Uninsured Motorists

Nationwide: 12.6% (2012)

Georgia: 11.7% ((2012)

Insurance Coverage Requirements:

Bodily Injury Liability

Property Damage Liability


In most instances motorists are required to carry a minimum of $50,000 for all persons injured in an accident, with a maximum of $25,000 per person. They are also required to carry $25,000 for property damage. A more common limit for Georgia drivers is $100,000 per person, $300,000 per accident bodily injury and $100,000 per accident property damage. Many consider an umbrella with an additional $1,000,000 in limits available.

Average Car Insurance Premium

The Insurance Institute uses an “average person” to establish an average rate for an average car. This figure is only good for comparison as so many factors go into establishing an auto rate.

National Average Cost Per Year: $841 (2013)

Georgia Cost Per Year: $801 (2013)

Crash Statistics

Fatalities: 1,164 (2014)

Alcohol Impaired Driver Fatalities: 278 (2014)

Fatalities per 100 million miles driven (GA): 1.08 (2013)

Fatalities per 100 million miles driven (Nationwide): 1.09 (2013)

Without the support of a quality auto insurance policy, Georgia residents could find themselves risking financial ruin in the unfortunate event of an accident. Trying to figure out the amount of protection needed is an overwhelming task without the support of an expert. Residents of Georgia should speak with a professional independent car insurance agent about their choices.

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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.