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There are many ways to save money on insurance in Georgia, but there is only one way to save money on your car insurance. InsurancequoteTool.com offers the leading Online Insurance Quoting Tool where you can compare great rates and get the most affordable local car insurance available in Georgia. By comparing rates from over a dozen insurance companies, you not only get the lowest rates, you also get a policy that fit your needs and protects you. We offer a convenient way to purchase your car insurance online after comparing rates, saving you time and money.
The State of Georgia Car Insurance Requirements
Georgia state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 25/50/25 coverage.
Georgia Insurance Coverage:
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit
*New Uninsured Motorist coverage option effective: January 1, 2009
The state of Georgia follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Georgia does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
When you get a quote at InsuranceQuoteTool.com, our coverage page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs.
To get local car insurance in all of Georgia. Enter your zip code in the quote boxes on this page or follow this link to get an auto insurance quote now.
Local car insurance is available in all of Georgia!
The average auto insurance premium for residents in Georgia is $1,620 in 2009; the national average is $1,807. Some people think the state and insurance companies fix the rates, so they never shop around for better rates. Insurance companies segment their rates differently so everyone's rate will be different with each company. You have to shop around to see if you are saving money. InsuranceQuotetool.com helps you find the competitive rates and discounted prices available in Georgia, so average Georgians can get a better-than-average rate on their auto insurance.
2009 has had an increase in auto insurance rates. It is important to shop for car insurance so you get the best available rate! InsuranceQuoteTool.com brings competition directly to the consumer and we work to lower your costs through technology.
Even within the state of Georgia, rates have changed over the past few years. Comparing the current average car insurance rates, the average auto insurance premium in Georgia is 14% higher in 2009 than 2008. 2008 was unchanged from 2007 in Georgia. Now is the perfect time to shop for new low rates on your auto insurance, by requesting a quote online you could save hundreds instantly!
Georgia Cities and Counties Covered:
Appling County
Includes the cities Baxley, Graham and Surrency
Athens-Clarke County
Includes the cities of Athens and Winterville.
Atkinson County
Includes the cities of Axson, Kirkland, Pearson and Willacoochee.
Augusta-Richmond County
Includes the cities of Augusta, Blythe, and Hephzibah.
Bacon County
Includes the cities of Alma, Rockingham, and Sessoms.
Baker County
Includes the city of Newton.
Baldwin County
Includes the city of Milledgeville.
Banks County
Includes the city of Homer.
Barrow County
Includes the cities of Auburn, Bethlehem, Carl, Statham and Winder.
Bartow County
Includes the cities of Cartersville, Emerson, Euharlee, Kingston, and White
Ben Hill County
Includes the cities of Bowens Hill, Fitzgerald, Queensland and Westwood.
Berrien County
Includes the cities of Alapaha, Bannockburn, Enigma, Glory, Nashville, Ray City and Weber.
Bibb County
Includes the city of Macon.
Bleckley County
Includes the city of Cochran.
Brantley County
Includes the cities of Atkinson, Hickox, Hoboken, Hortense, Lulaton, Nahunta, Trudie, and Waynesville.
Brooks County
Includes the cities of Baden, Barney, Barwick, Dixie, Grooverville, Morven, Nankin, New Rock Hill and Quitman.
Bryan County
Includes the cities and communities of Ellabelle, Groveland, Hardwicke, Keller, Lanier, Pembroke, and Richmond Hill.
Bulloch County
Includes the cities and communities of Brooklet, Denmark, Hopeulikit, Leefield, Nevils, Portal, Register, Statesboro, and Stilson.
Burke County
Included the cities of Girard, Keysville, Midville, Sardis and Waynesboro.
Butts County
Includes the cities of Flovilla, Jackson and Jenkinsburg.
Calhoun County
Includes the cities of Edison, Leary and Morgan.
Camden County
Includes the cities and communities of Colesburg, Dover Bluff, Harrietts Bluff, Kings Bay Base, Kingsland, St. Marys, Tarboro, Waverly, White Oak, and Woodbine.
Candler County
Includes the cities of Metter and Pulaski.
Carroll County
Includes the cities of Bowdon, Carrollton, Mount Zion, Roopville, Temple, Villa Rica and Whitesburg.
Catoosa County
Includes the cities of Ringgold and Fort Oglethorpe.
Charlton County
Includes the cities of Folkston, Homeland, Moniac, Race Pond, Saint George, and Winokur.
Chatham County
Includes the cities of Bloomingdale, Garden City, Georgtown, Isle of Hope-Dutch Island, Montgomery, Port Wentworth, Pooler, Savannah, Skidaway Island, Thunderbolt, Tybee Island, Whitmarsh Island, Wilmington Island, and Vernonburg.
Chattahoochee County
Includes the city of Cusseta.
Chattooga County
Includes the cities of Lyerly, Menlo, Summerville and Trion.
Cherokee County
Includes the cities of Ball Ground, Canton, Holly Springs, Waleska, and Woodstock.
Clarke County
Includes the cities of Athens and Winterville.
Clay County
Includes the cities of Bluffton and Fort Gaines.
Clayton County
Includes the cities of Forest Park, Jonesboro, Lake City, Lovejoy, Morrow and Riverdale.
Clinch County
Includes the cities of Cogdell, Council, Dupont, Edith, Fargo, Homerville, Sirmans, Thelma and Withers.
Cobb County
Includes the cities of Acworth, Austell, Kennesaw, Marietta, Powder Springs and Smyrna.
Coffee County
Includes the cities of Ambrose, Broxton, Bushnell, Douglas, Lax, Mora, Nicholls, Pridgen, Upton and West Green.
Colquitt County
Includes the cities of Berlin, Doerun, Ellenton, Funston, Moultrie, Norman Park and Riverside.
Columbia County
Includes the cities of Appling, Grovetown and Harlem.
Columbus-Muscogee County
Includes the city of Columbus.
Cook County
Includes the cities of Adel, Cecil, Lenox, and Sparks.
Coweta County
Includes the cities of Grantville, Haralson, Moreland, Newnan, Senoia, Sharpsburg and Turin.
Crawford County
Includes the cities of Knoxville and Roberta.
Crisp County
Includes the cities of Arabi and Cordele.
Dade County
Includes the city of Trenton.
Dawson County
Includes the city of Dawsonville.
DeKalb County
Includes the cities of Avondale Estates, Chamblee, Clarkston, Decatur, Doraville, Lithonia, Pine Lake and Stone Mountain.
Decatur County
Includes the cities of Attapulgus, Bainbridge, Brinson and Climax.
Dodge County
Includes the cities of Chauncey, Chester, and Eastman.
Dooly County
Includes the cities of Byromville, Dooling, Lilly, Pinehurst, Unadilla and Vienna.
Dougherty County
Includes the cities of Albany.
Douglas County
Includes the city of Douglasville.
Early County
Includes the cities of Arlington, Blakely, Damascus and Jakin.
Echols County
Includes the cities of Fruitland, Haylon, Howell, Mayday, Needmore, Potter, Statenville and Tarver.
Effingham County
Includes the cities and communities of Clyo, Ebenezer, Egypt, Guyton, Meldrim, Pineora, Rincon, Shawnee, Springfield, and Stillwell
Elbert County
Includes the cities of Bowman and Elberton.
Emanuel County
Includes the cities of Adrian, Garfield, Stillmore, Swainsboro and Twin City.
Evans County
Includes the cities of Bellville, Claxton, Daisy and Hagan.
Fannin County
Includes the cities of Blue Ridge, McCaysville and Morganton.
Fayette County
Includes the cities of Brooks, Fayetteville, Peachtree City, Tyrone and Woolsey.
Floyd County
Includes the cities of Cave Spring and Rome.
Forsyth County
Includes the city of Cumming.
Franklin County
Includes the cities of Canon, Carnesville, Franklin Springs, Lavonia and Royston.
Fulton County
Includes the cities of Alpharetta, Atlanta, College Park, East Point, Fairburn, Hapeville, Johns Creek, Milton, Mountain Park, Palmetto, Roswell and Union City.
Gilmer County
Includes the cities of East Ellijay and Ellijay.
Glascock County
Includes the cities of Edgehill, Gibson and Mitchell.
Glynn County
Includes the cities and communities of Brunswick, Country Club Estate, Dock Junction, Everitt, Jekyll Island, Sea Island, Sterling, St. Simon's Island, and Thalman.
Gordon County
Includes the cities of Calhoun, Fairmont, Ranger, Resaca and Plainville.
Grady County
Includes the cities of Cairo and Whigham.
Greene County
Includes the cities of Greensboro, Siloam, Union Point, White Plains and Woodville.
Gwinnett County
Includes the cities of Berkeley Lake, Buford, Dacula, Duluth, Grayson, Lawrenceville, Lilburn, Loganville, Norcross, Snellville, Sugar Hill and Suwanee.
Habersham County
Includes the cities of Alto, Baldwin, Clarkesville, Cornelia and Mount Airy.
Hall County
Includes the cities of Clermont, Flowery Branch, Gainesville, Lula and Oakwood.
Hancock County
Includes the city of Sparta.
Haralson County
Includes the cities of Bremen, Buchanan, Tallapoosa and Waco.
Harris County
Includes the cities of Hamilton, Pine Mountain, Shiloh and Waverly Hall.
Hart County
Includes the city of Hartwell.
Heard County
Includes the cities of Centralhatchee, Ephesus and Franklin.
Henry County
Includes the cities of Hampton, Locust Grove, McDonough and Stockbridge.
Houston County
Includes the cities of Centerville, Perry and Warner Robins.
Irwin County
Includes the cities of Abba, Holt, Irwinville, Mystic, Ocilla, Osterfield, Waterloo, and Wray.
Jackson County
Includes the cities of Arcade, Braselton, Commerce, Hoschton, Jefferson, Maysville, Nicholson, Pendergrass and Talmo.
Jasper County
Includes the cities of Monticello and Shady Dale.
Jeff Davis County
Includes the city of Hazlehurst.
Jefferson County
Includes the cities of Avera, Bartow, Louisville, Stapleton, Wadley and Wrens.
Jenkins County
Includes the city of Millen.
Johnson County
Includes the cities of Kite and Wrightsville.
Jones County
Includes the city of Gray.
Lamar County
Includes the cities of Aldora, Barnesville and Milner.
Lanier County
Includes the cities of Lakeland and Stockton.
Laurens County
Includes the cities of Dublin, Dudley, East Dublin, Montrose and Rentz.
Lee County
Includes the cities of Leesburg and Smithville.
Liberty County
Includes the cities and communities of Allenhurst, Flemington, Gumbranch, Hinesville, McIntosh, Midway, Retreat, Riceboro, Sunbury and Walthourville.
Lincoln County
Includes the city of Lincolnton.
Long County
Includes the city of Ludowici.
Lowndes County
Includes the cities of Barretts, Bermiss, Clyattville, Dasher, Hahira, Kinderlou, Lake Park, Naylor, Ousley, Remerton, Twin Lakes and Valdosta.
Lumpkin County
Includes the city of Dahlonega.
Macon County
Includes the cities of Ideal, Marshallville, Montezuma and Oglethorpe.
Madison County
Includes the cities of Carlton, Colbert, Comer, Danielsville, Hull and Ila.
Marion County
Includes the city of Buena Vista.
McDuffie County
Includes the cities of Dearing and Thomson.
McIntosh County
Includes the city and communities of Cox, Crescent, Darien, Eulonia, Pine Harbour, Ridgeville, Shellman Bluff, South Newport, Townsend, and Valona.
Meriwether County
Includes the cities of Gay, Greenville, Lone Oak, Luthersville, Manchester, Warm Springs and Woodbury.
Miller County
Includes the city of Colquitt.
Mitchell County
Includes the cities of Baconton, Camilla, Pelham and Sale City.
Monroe County
Includes the cities of Forsyth and Culloden.
Montgomery County
Includes the cities of Ailey, Alston, Higgston, Mount Vernon, and Uvalda.
Morgan County
Includes the cities of Bostwick, Buckhead, Madison and Rutledge.
Murray County
Includes the cities of Chatsworth and Eton.
Muscogee County
Includes the city of Columbus.
Newton County
Includes the cities of Covington, Mansfield, Newborn, Oxford and Porterdale.
Oconee County
Includes the cities of Bishop, Bogart, High Shoals and Watkinsville.
Oglethorpe County
Includes the cities of Crawford, Lexington and Maxeys.
Paulding County
Includes the cities of Braswell, Dallas and Hiram.
Peach County
Includes the cities of Byron and Fort Valley.
Pickens County
Includes the cities of Jasper, Nelson and Talking Rock.
Pierce County
Includes the cities of Blackshear, Bristol, Mershon, Offerman and Patterson.
Pike County
Includes the cities of Concord, Meansville, Molena, Williamson and Zebulon.
Polk County
Includes the cities of Aragon, Cedartown and Rockmart.
Pulaski County
Includes the city of Hawkinsville.
Putnam County
Includes the city of Eatonton.
Quitman County
Includes the city of Georgetown
Rabun County
Includes the cities of Clayton, Dillard, Mountain City, Sky Valley, Tiger and Tallulah Falls.
Randolph County
Includes the cities of Coleman, Cuthbert and Shellman.
Richmond County
Includes the cities of Augusta, Blythe, and Hephzibah.
Rockdale County
Includes the city of Conyers.
Schley County
Includes the city of Ellaville.
Screven County
Includes the cities of Newington, Oliver, Rocky Ford and Sylvania.
Seminole County
Includes the cities of Donalsonville and Iron City.
Spalding County
Includes the cities of Griffin, Orchard Hill and Sunny Side.
Stephens County
Includes the cities of Martin and Toccoa.
Stewart County
Includes the cities of Lumpkin and Richland.
Sumter County
Includes the cities of Americus, Andersonville, Leslie and Plains.
Talbot County
Includes the cities of Geneva, Junction City, Talbotton and Woodland.
Taliaferro County
Includes the cities of Crawfordville and Sharon.
Tattnall County
Includes the cities of Cobbtown, Collins, Glennville, Manassas and Reidsville.
Taylor County
Includes the cities of Butler and Reynolds.
Telfair County
Includes the cities of Helena, Lumber City, McRae, Milan and Scotland.
Terrell County
Includes the cities of Bronwood, Dawson, Parrott and Sasser.
Thomas County
Includes the cities of Boston, Coolidge, Meigs, Ochlocknee and Thomasville.
Tift County
Includes the cities of Brookfield, Chula, Eldorado, Harding, Omega, Phillipsburg, Sunsweet, Tifton, Ty Ty and Unionville.
Toombs County
Includes the cities of Lyons and Vidalia.
Towns County
Includes the cities of Hiawassee and Young Harris.
Treutlen County
Includes the city of Soperton.
Troup County
Includes the cities of Hogansville, LaGrange and West Point.
Turner County
Includes the cities of Ashburn, Ambroy, Coverdale, Dakota, Inaha, Rebecca, Sycamore and Worth.
Twiggs County
Includes the cities of Danville and Jeffersonville.
Union County
Includes the city of Blairsville.
Upson County
Includes the cities of Thomaston and Yatesville.
Walker County
Includes the cities of Chickamauga, LaFayette, Lookout Mountain, and Rossville.
Walton County
Includes the cities of Good Hope, Loganville, Monroe, Social Circle and Walnut Grove.
Ware County
Includes the city of Waycross.
Warren County
Includes the cities of Camak, Norwood and Warrenton.
Washington County
Includes the cities of Davisboro, Deepstep, Harrison, Oconee, Riddleville, Sandersville and Tennille.
Wayne County
Includes the cities of Jesup, Odum and Screven.
Webster County
Includes the city of Preston.
Wheeler County
Includes the cities of Alamo and Glenwood.
White County
Includes the cities of Cleveland and Helen.
Whitfield County
Includes the cities of Cohutta, Dalton, Tunnel Hill and Varnell.
Wilcox County
Includes the cities of Abbeville, Pineview, and Rochelle.
Wilkes County
Includes the cities of Rayle, Tignall and Washington.
Wilkinson County
Includes the cities of Allentown, Gordon, Irwinton, Ivey, McIntyre and Toomsboro.
Worth County
Includes the cities of Poulan, Sumner, Sylvester and Warwick.
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