Compare Free Georgia Car Insurance Quotes and Save
As in most states that require car insurance, Georgia requires that all residents who own or lease a vehicle must accept financial responsibility for it. This financial responsibility almost always comes in the form of purchasing Georgia car insurance.
When looking for car insurance, Georgia has many insurance carriers available to provide insurance. It can feel overwhelming to try to find the most affordable car insurance quotes in Georgia, but CheapCarInsuranceQuoteTips.com can help you navigate through the confusion. By just placing your ZIP code in the box to the right, we'll send you a list of Georgia insurance companies who will be happy to work with you to find the most affordable insurance for your particular situation. There's no fee for our service and you're under absolutely no obligation to purchase any insurance from any of the companies that appear on the list we send you.
Here's a short primer on the Peach State's insurance requirements that will help you better wend your way through the insurance process:
To establish financial responsibility, most Georgia vehicle owners purchase a liability insurance policy from an insurance carrier licensed with the Office of Insurance and Safety Fire Commissioner.
The minimum Georgia car insurance you must purchase is:
- $25,000 in property damage (per accident)
- $25,000 per person for bodily injury (per accident)
- $50,000 for the bodily injury to two or more people per accident
Cheap car insurance in Georgia may be a little easier to find than in other states because you're not required to purchase insurance for mopeds and ATVs (which are exempt from registration) and vehicles that are not motorized (trailers, campers).
Once you purchase car insurance in Georgia, your insurance company will submit the information about your policy to the Georgia Department of Revenue's insurance database, which then acts as proof that you've purchased enough insurance to fulfill the state's financial responsibility requirements. You'll also receive an insurance card, which you should always keep in your car. The insurance card by itself is inadequate proof of financial responsibility, but if you're pulled over by a law enforcement officer for some reason before the record is in the state's database, you'll still need to show proof of financial responsibility and the insurance card will help prevent you from getting into hot water.
And hot water is what you'll most definitely be in if you choose not to purchase auto insurance in Georgia. Here are the minimum penalties for letting your policy lapse or for not purchasing insurance in the first place:
- You'll see your vehicle registration suspended for up to six months, depending on the offense.
- You'll have to pay a lapse fee of $25 and then pay a fee of up to $160 to reinstate your vehicle registration.
- You also could wind up with a misdemeanor charge if an officer of the law catches you driving your car before paying the fees mentioned above and getting your registration reinstated.
Don't let that happen to you. We have dozens of insurance companies in our own database eager to talk to you about cheap car insurance in Georgia. Type your ZIP code in the box to the right and start saving on Georgia auto insurance today!
