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Cheap Car Insurance in Atlanta, Georgia

Want to know more about Atlanta and cheap car insurance? Atlanta is the capital of Georgia. The city was established in 1837, and the location of Atlanta was chosen because it fell at the intersection of two major railroad lines operating at the time. Atlanta may be most well-known for being the headquarters of Coca-Cola, and the city is popular with sports fans due to its professional sports teams including the Atlanta Falcons, the Atlanta Braves and the Atlanta Hawks.

The U.S. Census Bureau in spring 2018 ranked the Atlanta metropolitan area as the No. 3 largest-gaining metropolitan area in the United States, meaning the population increased more in the Atlanta area than almost anywhere else in 2017.

With so many people on the road and many of them new to the area, it’s extra important to make sure you have adequate auto insurance to protect you and your family in the event of an accident.

Many auto insurance products exist to help you find the coverage you want for your Atlanta car insurance. It’s always a good idea to get many car insurance quotes before purchasing any products so you can make sure you’re getting the best deal through whichever one of the auto insurance companies you choose. Also keep in mind that it’s possible to save money by bundling your car insurance with other insurance products offered by the same insurance company. These products include things such as health, dental, mortgage, home, and life insurance, with even more products available. As you’re gathering auto insurance quotes, consider asking about discounts for purchasing multiple insurance products.

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Driving Conditions in Atlanta

According to a 2017 report from traffic analytics company INRIX, traffic in the Atlanta metro area ranks No. 10 for the worst traffic in the world and No. 4 for the worst traffic in the United States. Approximately 10 percent of driving time in Atlanta for 2017 was spent navigating congested roadways, and commuters spent an average of 70 hours in traffic congestion over the course of the year.

Car Insurance Policy Requirements for Atlanta, Georgia

Each state has its own requirements for the amount of auto insurance coverage its licensed drivers need to carry. Georgia requires every driver to have liability auto insurance, which helps pay for damage and injuries to the other party if you cause a car accident. The minimum coverage amounts for Georgia auto insurance policies are $25,000 per person/$50,000 for multiple people for bodily injury liability, and $25,000 per incident for property damage liability.

Of course, you always have the option of purchasing liability coverage beyond the minimum requirement, which can be extremely helpful in the event that you’re in an accident that costs more to resolve than the minimum coverage amounts. It can also be wise to carry collision or comprehensive auto insurance, which helps pay for damages you or your vehicle sustain in an accident, especially if you’re in an accident caused by an uninsured or underinsured driver. It’s also worth noting that even though the laws in Georgia don’t require collision or comprehensive auto insurance, if you still owe money on your car through a lease or a loan, your bank or lender will require you to carry those types of coverage.

Georgia stands apart from other states in that while it requires all drivers to have auto insurance, it does not allow you to show your insurance card as proof that you are insured. Don’t look at that as a loophole to let you be uninsured, however — quite the contrary. Not only is having auto insurance in your best interest, financially speaking, but also law enforcement officers, in the event of a traffic stop, check with the Georgia Electronic Insurance Compliance System (GEICS) to verify that all drivers have auto insurance. It’s also still wise to carry your insurance card with you so you can exchange information with the other drivers if an accident occurs.

Unique Laws in Atlanta

Driving codes that allow law enforcement officers to issue a citation are provided to drivers by the Georgia Department of Driver Services. Unusual regulations related to driving have been done away with in the city of Atlanta, but the city of Dublin, Georgia, includes a provision in its vehicle code that prohibits drivers from operating a vehicle within a playground setting

Atlanta Crime Statistics

- Auto Thefts: Federal Bureau of Investigation statistics help determine the crime rates in major U.S. cities. These statistics reveal that 4,282 auto thefts occurred in 2015.

- Property Crimes: In 2015, authorities reported 25,556 property crimes in Atlanta.

- Crash Statistics: According to Governor's Office of Highway Safety in Georgia, 55,833 traffic crashes happened in Fulton County (where Atlanta is located) in 2014, with 77 deaths.

Atlanta Vehicle and Driving Safety Requirements

In Georgia, texting while driving is banned, as is all cellphone use by teenage drivers, according to the Governor's Office of Highway Safety. Across Georgia, anyone riding a motorcycle must wear a safety helmet. Anyone convicted of driving at least 75 mph on a two-lane road in Georgia or at least 85 mph on other roads faces stiffer fines than other speeders.

Impaired Driving Laws in Atlanta

All states prohibit the operation of a motor vehicle if a driver has a blood alcohol content (BAC) of .08 or greater. The Georgia Governor's Office of Highway Safety details the penalties of being charged with a DUI.

For a first offense, a driver convicted of DUI in Georgia faces:

  • A jail sentence up to one year
  • A fine up to $1,000
  • A driver's license suspension up to one year
  • At least 40 hours of community service
  • A $210 license reinstatement fee

Georgia law prohibits anyone from drinking alcohol or having an open container of alcohol in a car when it's on a roadway or on the shoulder of a highway.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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