Cheap Car Insurance in GA

Georgia is a state unlike any other, and Georgia drivers deserve a car insurance company unlike any other—and the ability to access cheap car insurance in GA. That’s why Freedom National is proud to serve the entire state with the cheapest car insurance in GA, even for at-risk drivers with a previous DUI, an at-fault accident, and other factors. 

With Freedom National, you get a 100% online buying process, instant proof of insurance the moment you sign up for a policy, and other benefits like convenient payment plans, easy online policy access, and cheap SR-22 filings.

We don’t just want to offer the best and cheapest car insurance in GA, we also want to help you understand what you need to be adequately covered in the state so that you have the peace of mind to drive through this beautiful state and beyond. You must know which state minimum coverages are required, optional coverage options, and Georgia-specific insurance requirements that will make sure you’re always compliant when you’re on the road.

State Minimums

Like all states, even people who want cheap car insurance in GA must adhere to specific regulations for the minimum level of coverage each auto policy must have to be considered properly insured. Georgia’s minimum required coverages are as follows:

• $25,000 bodily injury coverage per person
• $50,000 bodily injury coverage per accident
• $25,000 property damage coverage per accident

This applies to liability insurance, which covers bodily injury or property damage to another party that results from an accident that you are at fault for. These numbers describe the maximum amount that your insurance company will cover in the event of an accident like this. Keep in mind, with some insurers you will have the option to increase these limits as part of your auto policy, but this will result in higher insurance premiums.

Note: You might also see coverage minimums expressed like this: 25/50/25, or 25,000/50,000/25,000.

Optional Coverage for Georgia

Now that we’ve addressed minimum coverages for cheap car insurance in GA, what about additional coverage that you can choose to include in your policy? These include the following:

• Comprehensive - Comprehensive insurance covers a wide range of damage to your car aside from accidents or collisions. This can include weather events, vandalism, fires, animal damage, and other potential causes of damage.
• Collision - Collision insurance may not be required by the state of Georgia, but it’s often required by the financially interested party if you lease or finance your car. It covers the cost of repairing or replacing your vehicle if it’s damaged in an accident or collision with a vehicle or object, and it shouldn’t raise your premium too much if you deal with a company that specializes in providing cheap car insurance in GA.
• Uninsured Motorist Bodily Injury (UMBI) - If you’re involved in an accident that causes bodily harm to you or a passenger, but the responsible party doesn't have adequate insurance, this coverage will keep you from having to pay out of pocket for your costs.
• Uninsured Motorist Property Damage (UMPD) - Just like uninsured motorist bodily injury protection, but focused on your property. You'll be covered if the other party doesn't have adequate coverage.
• Medical Payments - This includes coverage for medical bills or funeral services in the event of hospitalization or death following an accident that is your fault.
• Towing and Labor - Covers the costs of towing and labor after an accident.
• Auto Loan/Lease Payoff (also known as GAP coverage) - If you’re in an accident and your car is damaged beyond repair, but you owe more on the loan than your car is worth, gap coverage will make up the difference.
• Rental Car Coverage - Need a rental car after an accident puts your car in the shop? This coverage will pay for a rental.
• Custom Parts and Special Equipment Coverage - Collision coverage usually won't pay for aftermarket vehicle enhancements like custom rims and paint. If you have customized your car with aftermarket equipment, you'll need this coverage (sometimes called "special equipment coverage") to pay for replacement costs for this equipment.

Georgia Auto Insurance - Specifications

When it comes to cheap car insurance in GA, every state has state required liability insurance limits and other rules that apply to car insurance. These specifications can be simple in some states and more complicated in others. In Georgia, it’s important to know about state-specific auto insurance factors like SR-22 regulations, Joshua’s Law, special liability insurance requirements, and Georgia’s at-fault state status.

SR-22

An SR-22 insurance form shows authorities in the Georgia office of insurance that a driver has Georgia auto insurance and is financially responsible for keeping their car or vehicle insurance with the minimum amount of coverage that the state requires. It’s filed with the Georgia DMV and lets the DMV and other authorities know that a driver is fully covered and can be considered a safe presence on the roads. An SR-22 can be an incredibly important document, but not every driver needs to have one.

Who needs an SR-22 form?

The DMV or a court will notify you if you are required to file an SR-22 form. SR-22 forms are sometimes required for drivers who are assessed to be ‘high risk.’ This label is applied to drivers who have had multiple moving violations in the past, been involved in more than one accident, or have had serious driving incidents like DUIs, reckless driving, or driving without insurance. 

Fortunately, Freedom National doesn’t just offer cheap car insurance coverage in Georgia— we make obtaining and filing your SR-22 form fast and simple so that you can get back on the road. We also offer some of the lowest rates available for drivers who are assessed as high risk. Contact us to learn more.

Georgia’s Joshua Law

The Joshua Law, also known as the Teenage and Adult Driver Responsibility Act (TADRA), puts in place specific requirements for driving experience and instruction before teens can obtain a license beyond their learner’s permit. It also includes a graduated driver licensing system designed to limit the times of day when young drivers can drive on the roads as well as passenger restrictions for drivers ages 16-17. All of these restrictions are designed to keep new drivers and their passengers safe on the road until they gain more driving experience.

Liability Insurance

We discussed minimum liability coverage above when addressing the cheapest car insurance premiums, but it’s important to note that drivers (even those with affordable car insurance from Freedom National) who do not maintain the state’s minimum 25/50/25 requirements for liability coverage are at risk of having their license suspended and being assessed as high-risk drivers in the future. Always ensure that you maintain at least the minimum coverage on your vehicle when it comes to liability in order to remain compliant with the law.

Georgia is an At-Fault State

When it comes to the cheapest car insurance (or all car insurance for that matter), all states in the US are considered either ‘at fault’ or 'no-fault.’ Georgia, like the majority of states, is an 'at-fault' state. But what exactly does this mean for you and your cheap car insurance in GA?

Driving in an at-fault state means that if you are involved in an accident, someone in that accident will be assigned blame. That party’s insurance will be responsible for coverage of damages, medical and property, to all other parties involved in the incident. 

That being said, Georgia auto insurance assigns fault on a ‘proportional comparative fault’ basis. That means that there’s more gray area than one person being in the wrong and another being in the right. For example, an accident in which you’re involved might be assessed to be 30% your fault and 70% the other driver’s fault. The amount paid by your respective insurance companies’ auto insurance coverage would reflect that percentage.

The Cheapest Car Insurance in GA with Freedom National

When it comes to being insured with cheap car insurance in GA, there’s no one with access to more respected insurers and cheap rates than Freedom National. Plus, we specialize in being the best solution for at-risk drivers looking to access affordable insurance and get back on the road.

The benefits of Freedom National don’t end there— we also offer fast, easy payment options, hassle-free SR-22 filings, and straightforward claims handling.

Car Insurance Discounts and Car Insurance Quotes GA

In addition to the cheap car insurance in GA available from Freedom National, you might also be entitled to discounts to help your car insurance rates be even lower. Freedom National considers the following factors when assessing potential discounts on your premium and providing the car insurance quotes GA drivers are looking for:

• Driving record and claim history
• ZIP code where your vehicle resides
• Annual mileage
• Insurance history
• Year, Make, and Model of car
• Gender, age, and marriage status
• Credit history
• Number of years you’ve been a licensed driver

Looking for Cheap Georgia Auto Insurance?

Freedom National offers the affordable car insurance GA drivers are looking for across the state, so you don’t have to worry whether your city or area is covered. That includes cheap car insurance in these areas:

• Atlanta
• Redan
• Lawrenceville
• Riverdale
• Marietta
• Decatur
• Columbus
• Savannah
• Macon
• Augusta
• Athens
• Albany
• Brookhaven
• Smyrna
• Alpharetta
• Warner Robins
• Valdosta

Wherever you live in the great state of Georgia, you deserve to access the cheapest and best possible Georgia auto insurance to ensure that you, your loved ones, and your vehicle are protected in the event of an accident. That’s the power of peace of mind, and that’s the power of Freedom National.

Related Links

Need more info about Georgia? Check out these links:

• http://www.exploregeorgia.org/
• http://www.georgiatouristguide.com/
• https://georgia.gov/
• https://www.atlanta.net/