Auto Insurance in Georgia
Auto insurance in Georgia can differ from other states. Georgia is known to have a higher percentage of uninsured drivers on the road, and according to a study conducted by the Insurance Research Council in 2019, 12.6% of Georgia drivers were uninsured, compared to the national average of 13%. This may result in higher insurance rates for drivers in Georgia.
What Type of Auto Coverage Does Georgia State Require?
Georgia requires drivers to have uninsured motorist coverage as well. This is meant to protect you in case you're involved in an accident with someone who doesn't have insurance, or who doesn't have enough insurance to cover the damages. This can cause an increase in your premiums, and may affect you differently depending on where you live in the state.
Challenges of Auto Insurance in Georgia
In addition to these unique challenges, central Georgia drivers may also face higher rates of theft and vandalism, particularly in urban areas such as Macon and Warner Robins. This can lead to higher premiums for comprehensive coverage, which protects your vehicle against these types of damages.
Georgia has also seen a significant increase in auto insurance rates over the last five years. Data from the National Association of Insurance Commissioners shows the average auto insurance premium in Georgia has increased by 29.5% since 2016. This is higher than the national average increase of 21.5%, and means that drivers in Georgia are paying significantly more for their insurance than they were just a few years ago.
Why Do I Need Auto Insurance if I Live in Georgia?
Despite these challenges, there are steps that you can take to minimize your auto insurance costs and ensure that you are adequately covered in the event of an accident. This includes maintaining a good driving record, taking defensive driving courses, and comparing rates from multiple insurers to find the best coverage at the lowest price.
Drivers in Georgia may face higher rates due to the state's higher percentage of uninsured drivers and increased rates of theft and vandalism, particularly in central Georgia. Georgia has seen a significant increase in auto insurance rates over the last five years, however, allowing DDHT Insurers to compare rates from multiple insurers can help you minimize your auto insurance costs and ensure that you are adequately covered.