• Cheap Car Insurance in Georgia

    Legal Requirements

    Deciding to operate a motor vehicle within the United States, regardless of which state you choose to drive within, generally comes with the legal requirement that you carry some form of car insurance. The state of Georgia provides no exceptions to this rule, and legal repercussions for ignoring it can vary in severity. While pretty much every state, including Georgia, requires some level of liability insurance, other requirements vary from state to state.

    Uninsured/Underinsured Motorist Coverage

    Uninsured or underinsured motorist coverage (UM/UIM) offers you protection from having to pay for damages from an accident with someone who is either uninsured or underinsured. Regardless of who is at fault, you could be left holding the repair and/or medical bills unless you have this insurance. In the state of Georgia, this coverage is not mandatory, but you may want to consider it for your own peace of mind, particularly if you do a lot of driving or drive in heavy traffic areas on a regular basis.

    No-Fault Car Insurance in Georgia

    Some states are considered “no-fault” states when it comes to auto accidents, meaning that in those states it is possible that none of the parties involved in an accident will be found legally at fault and responsible for damages resulting from the accident. In such states, Personal Injury Protection (PIP) is usually required in addition to liability insurance, as PIP is coverage that is designed to cover medical or funeral expenses that result from a no-fault accident. Georgia is not a no-fault state and thus does not require no-fault insurance in the form of PIP.

    Hands-Free Laws in Georgia

    In today’s technological world, it would seem that multi-tasking is a must. However, multi-tasking behind the wheel of a motor vehicle can result in distracted driving and a greater chance of having an accident. With the rising numbers of accidents resulting from distracted driving, many states have instituted “hands-free” laws in an attempt to cut down on this type of accident. In Georgia, restrictions under this type of law are as follows:

    RESTRICTIONS ON CELLPHONE USE AND TEXTING

    Across the Board hand-held ban None at this time
    Young drivers all cellphone use Banned for drivers under the age of 18
    Bus drivers all cellphone use Banned for all school bus drivers
    Texting Ban all drivers
    Enforcement primary

    Finding cheap Georgia auto insurance rates may seem like a near impossibility, but don’t despair. Cheap Georgia car insurance quotes can be obtained with ease if you know where to look. With our quick and easy quote generator below, you just need to add some key information regarding your personal driving habits and vehicle to obtain a quote for comparison within minutes. You have to have insurance to be able to drive legally in Georgia, and we understand that the minimums and limits can be confusing, particularly as they vary from state to state. However with our quote generator, we take some of the confusion out of the equation.

    Enter the relevant information below and get started comparing insurance rates. With just a few clicks, you can find cheap car insurance coverage in Georgia and start saving today.

    For a chance at even greater savings, visit one of the following city pages:

    Georgia Facts
    Georgia Gov Site