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Cheapest Car Insurance in Georgia (GA)

Georgia, the last of the original “13 Colonies”, is known as the “Empire of the South”. It’s easy to see why when one drives through the stately plantations, downtown Atlanta and lush swamplands. Earning its “Peach State” nickname, this southern belle defines southern hospitality. Drivers fortunate enough to find themselves driving through this state will be happy to know that CheapCarInsurance.net has brought together all the most important information to keep them safe and prepared on the road.

Average Car Insurance Premiums and Average Car Insurance Premiums as a Percentage of Income

While Census.gov reveals Georgia’s consistency in keeping its average premiums below the national average, it also reveals Georgia’s mixed relationship with the national average regarding average premiums as a percentage of income. Recently, though, Georgia has once again surpassed the national average.

Drunk Driving Fatalities

Georgia’s drunk driving fatalities have been rising, though they still have room to grow before reaching the national average. The National Highway Traffic Safety Administration reports the national average fatalities at 31 points while Georgia slides in at 25 points.

Teen Drinking and Driving

The Center for Disease Control points out that Georgia is a good 1.7 percent below the national average in teen drinking and driving percentages. The national average’s 10.1 percent overshadows Georgia’s 8.4 percent.

Vehicular Theft in Georgia

Georgia’s vehicle theft is dropping although the FBI still records it far above the national average. With Georgia’s number recorded at 287, the national average’s number is recorded at just under 230.

Navigating insurance can be as difficult as finding one’s exit in a new and strange state. That’s why this list of necessary facts has been neatly organized to help move through the changes and regulations with ease.

Minimum Requirements for Car Insurance in Georgia

  • The Georgia Office of Insurance and Safety Fire Commissioner states that liability coverage is mandatory for all vehicles registered in Georgia.
  • Liability Coverage minimums:
    • $25,000 personal injury protection for a each person.
    • $50,000 personal injuray protection for multiple individuals in a an accident.
    • $25,000 for property damage coverage.

New Driver Licensing Requirements

  • The Georgia Department of Driver Services (DDS) requires every driver who operates a vehicle in the state to be licensed within 30 days of residency.
  • Applicants ages 15 and over may obtain an Instructional Permit for the purpose of learning to drive. A parent or legal guardian must sign the application, and the applicant must pass the vision and knowledge exams. Upon issuance of the permit, the applicant may drive only when accompanied by a licensed driver age 21 or older. This permit is valid for 2 years.
  • Applicants at least 16 years of age may obtain a Class D Provisional License if they have held their Instruction Permit for one year and one day. Applicants must:
    • Present proof of school attendance and conduct requirements outlined in the Driver’s Manual.
    • Complete an Alcohol Drug and Awareness Program (ADAP), information for which can be found at the DDS website.
    • Complete a DDS-approved driver education program described in the Driver’s Manual.
    • Provide evidence of 40 hours of driving training.
    • Pass the road exam.
    • Pay a $10 fee for the license which lasts 5 years.
  • The Class D Provisional License contains the following restrictions:
    • The driver cannot drive between the hours of 12 am and 6 am.
    • Within the first 6 months, the driver may only carry passengers described as “immediate family members”.
    • During the second 6 months, one passenger under 21 who is not a member of the driver’s immediate family may accompany the driver.
    • After the first 12 months, no more than three passengers under the age of 21 who are not members of the driver’s immediate family may accompany the driver.
  • Drivers who have successfully completed the preceding steps or who are over 18 years of age may obtain a regular Class C drivers license by completing the vision, knowledge and driving exams and paying the correct fees.
  • Vision Exam. A visual accuity of 20/60 with or without corrective lenses is needed for the applicant to pass the vision exam. Georgia also requires a peripheral vision of 140 degrees to be cleared to obtain a license.
  • Knowledge Exam. The knowledge exam, consisting of two parts, evaluates the applicant’s knowledge of road rules and road signs. Helpful information for this test can be found in the Georgia Driver’s Manual. A score of 15 out of 20 is required to pass the exam.
  • Road Skills Test. Georgia administers the road test in English only, and the vehicle used must pass inspection, be insured and be registered. The skills of the applicant will be tested in the following areas, and a score of 75 percent is needed to pass:
    • Three point turn.
    • Gear shifting (if applicable to the vehicle).
    • Yield right-of-way.
    • Quick stop.
    • Backing.
    • Obey traffic signs and signals.
    • Signal and turn.
    • Passing.
    • Following distance.
    • Proper posture.
  • Applicants who fail the Knowledge Exam or Road Skills Test must wait one day to re-test. Subsequent failures require a 7 day waiting period, and any applicant who fails due to a traffic violation or accident must wait 30 days to re-test.
  • Fees. A regular Class C drivers license requires a $20 fee for a 5 year expiration and a $32 fee for an 8 year expiration.

DUI/DWI Laws

  • BAC limit: .08 Georgia law outlines the following penalties for DUI convictions:
  • First Offense:
    • Ages 16-20:
      • 6 to 12 month license suspension
      • $210 fine
      • Mandatory DUI School
    • Over 21 years:
      • 120 days to 1 year license suspension
      • $210 fine
      • Mandatory DUI School
  • Second Offense within 5 Years:
    • Ages 16 to 20:
      • 18 month license suspension
      • $310 fine
      • Mandatory DUI School
      • Mandatory clinical evaluation and treatment
      • Interlock suspension in place for 120 days to 1 year
    • Over 21 years:
      • 18 month license suspension
      • $210 fine
      • Mandatory DUI School
      • Mandatory clinical evaluation and treatment
      • Interlock suspension in place for 120 days to 18 months
  • Third Offense in 5 Years:
    • Ages 16-20:
      • 5 year license suspension
      • $410 fine
      • Mandatory DUI School with clinical evaluation and treatment
      • Ignition interlock suspension in place for minimum 2 years
    • Over 21 years:
      • 5 year license suspension with possible permanent revocation
      • $410 fine
      • Mandatory DUI School with clinical evaluation and treatment

Texting & Driving Laws

Distraction.gov states that Georgia has banned all cell phone use for bus drivers and novice drivers. The state has also banned texting for all drivers.

Unique Laws

Georgia’s laws, although sometimes a little odd, do reflect the legendary southern etiquette of the state. For example, it is prohibited to cuss over the telephone or in front of a dead body which lies in a funeral home or coroner’s office. And while driving through the state, if one comes across body parts from a traffic accident, it is specifically prohibited by law to attempt to sell those body parts!

State Department of Insurance

Office of Insurance and Safety Fire Commissioner
Two Martin Luther King, Jr. Drive
West Tower, Suite 704
Atlanta, Georgia 30334
Phone: (404) 656-2070
Toll Free: (800) 656-2298
www.oci.ga.gov
Get Directions

Department of Transportation

Georgia Department of Transportation
One Georgia Center
600 West Peachtree NW
Atlanta, GA 30308
(404) 631-1990
www.dot.ga.gov
Get Directions

Department of Motor Vehicles

Georgia Department of Driver Services
2206 East View Parkway
Conyers, Georgia 30013
(678) 413-8400
(678) 413-8500
(678) 413-8600
www.dds.ga.gov
Get Directions

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Actual Yearly Savings
  • Richard
  • $1188
  • Sep 19, 2014
  • Ashlee
  • $960
  • Sep 8, 2014
  • Tracy
  • $1200
  • Sep 3, 2014
  • Jaclyne
  • $120
  • Aug 28, 2014
  • Justin
  • $600
  • Aug 28, 2014
  • Patryse
  • $3600
  • Aug 10, 2014
  • Juan
  • $900
  • Jul 30, 2014
  • Mark
  • $600
  • Jul 30, 2014
  • Janice
  • $480
  • Jul 15, 2014
  • Trevor
  • $3600
  • Jul 15, 2014
  • Wanda
  • $600
  • Jul 1, 2014
  • Dana
  • $960
  • Jul 1, 2014
  • Verness
  • $1200
  • Jun 30, 2014
  • Shondalay
  • $1000
  • Jun 30, 2014
  • Chris
  • $120
  • Jun 27, 2014
  • Anthony
  • $600
  • Jun 24, 2014
  • Paul
  • $3600
  • Jun 21, 2014
  • Melissa
  • $1200
  • Jun 18, 2014
  • Daphne
  • $480
  • Jun 12, 2014
  • Yomara
  • $1800
  • Jun 10, 2014
  • Jose
  • $2400
  • Jun 6, 2014
  • Risa
  • $480
  • Jun 5, 2014
  • Alan
  • $1200
  • Jun 4, 2014
  • Tonisha
  • $1000
  • Jun 1, 2014
  • Raymond
  • $3600
  • May 30, 2014
  • Tiffany
  • $1000
  • May 29, 2014
  • Derrick
  • $3600
  • May 22, 2014
  • Desiree
  • $1200
  • May 19, 2014
  • Danielle
  • $1800
  • May 16, 2014
  • Lujendo
  • $540
  • May 15, 2014
  • Tierra
  • $3600
  • May 14, 2014
  • David
  • $900
  • May 13, 2014
  • Damber
  • $800
  • May 9, 2014
  • Lakisa
  • $960
  • May 7, 2014
  • Rodney
  • $1440
  • May 6, 2014
  • Ashley
  • $600
  • May 6, 2014
  • Michael
  • $2000
  • May 5, 2014
  • Vita
  • $1200
  • May 2, 2014
  • Kathleen
  • $200
  • Apr 28, 2014
  • Elizabeth
  • $600
  • Apr 27, 2014
  • Mercades
  • $1000
  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 2, 2014
  • Janna
  • $1200
  • Apr 1, 2014
  • Bre-on
  • $400
  • Mar 31, 2014
  • Vita
  • $1200
  • Mar 31, 2014
  • Curtis
  • $2400
  • Mar 28, 2014
  • Clinton
  • $400
  • Mar 25, 2014

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"After being with my insurance company for just shy of 10 years, and after having shopped

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