Cheap Georgia car insurance

The cost of car insurance depends on many factors specific to you, like:

• Your driving history

• What kind of car you drive

• Where in Georgia you call home

• How much coverage you want

• Your age

We work hard to offer rates that won't break the bank while still helping you meet state insurance requirements. In Georgia, we offer a variety of down payment options based on risk characteristics:

• 16% down payment with five installments

• 20% down payment with five installments

• 25% down payment with five installments

• 33% down payment with five installments

• Paid in full

• 6-month policy terms

Understanding Georgia state insurance requirements is the first step on your car insurance journey. Here's what you need to know about the minimum coverages required:

Bodily injury liability coverage can help cover the costs associated with injuries to others if you’re at-fault in an accident. In Georgia, you’re required to carry at least:

• $25,000 per person

• $50,000 per accident

Property damage liability coverage can help cover the costs of fixing or replacing other people's property when you’re at-fault in a covered accident. This coverage can apply to a vehicle or to stationary fixture like a fence or mailbox. Georgia requires all drivers to carry at least:

• $25,000 per accident

If you’re in a covered accident where the at-fault driver is uninsured, you may end up paying for the repairs out of pocket. That’s why adding uninsured motorist coverage to your car insurance policy can be so valuable. Auto insurance companies in Georgia are required to offer uninsured motorist bodily injury and property damage coverages, but you can reject these coverages in writing.

An SR22 form isn’t actually a type of car insurance coverage. Instead, it’s a certificate that proves to the state that you carry the required minimum liability car insurance. You may need to file an SR22 form if you’ve been convicted of certain offenses like a DUI or driving without insurance.

In Georgia, there's typically no fee to file, and we send all SR22s to the state at the end of each day for timely processing.

A great way to save money on your car insurance is taking advantage of discounts we offer in Georgia:

• Multi-car

• Homeowners

• Prior insurance/Transfer

• Paid in full

• Quarterly payment

• Defensive driving course

• Good student

While understanding Georgia state insurance requirements is fundamental, being a responsible driver involves more than just having the right coverage. Let's look at some other important aspects of driving in Georgia:

Make sure you're also up to speed on Georgia’s unique driver requirements:

• Traffic laws and regulations

• Licensing requirements

• Vehicle registration processes

• Rules for new residents

• Penalties for driving without insurance

For more information on driving in Georgia, check out these helpful resources:

Stay informed about road conditions and construction projects from the GDOT’s website.

Get details on licensing, vehicle registration, and other motor vehicle services from the Georgia Department of Driver Services.

Learn about Georgia's efforts to keep roads safe in the Governor’s Office of Highway Safety.

Meeting Georgia state insurance requirements is the first step to driving with confidence. Ready to find a policy that fits your needs and budget? Get a quote from Dairyland today.