Georgia drivers are paying a hefty price for minimum car insurance coverage, exceeding the national average by a significant margin, according to a recent report by WZQZ News. (See related article from WZQZ) While full coverage in the state is only marginally more expensive than the national average (4%), minimum liability rates are a staggering 16% higher. This discrepancy is partially attributed to the state’s higher accident rate. Georgia law mandates drivers carry at least $25,000 in bodily injury liability coverage per person and $50,000 per accident, along with $25,000 in property damage liability coverage. While personal injury protection and uninsured motorist coverage are optional, experts recommend considering these for added protection. The report also highlighted the impact of credit scores on insurance premiums. While not a direct indicator of driving ability, insurance companies utilize credit scores as a predictive factor, citing that individuals with less-than-good credit are statistically more likely to file claims more frequently. This contributes to Georgia ranking as the 10th most expensive state for car insurance overall.

Experts strongly advise drivers to opt for full coverage insurance, encompassing liability, comprehensive, and collision protection. This comprehensive package covers damage to your vehicle in virtually any accident scenario. Lenders typically require full coverage for leased or financed vehicles. Furthermore, it’s recommended for cars valued over $5,000 or newer than eight years old. While Georgia’s minimum liability requirements exist, experts caution that they may be insufficient to cover the costs of a serious accident. Therefore, increasing liability coverage beyond the state minimum is prudent.

In Chattooga County: average insurance rates are slightly lower than the statewide average. Bankrate reports Chattooga County drivers pay just over $72 per month for minimum coverage, compared to the state average of $84.

The key takeaway for Georgia drivers? Shop around for the best rates! Farm Bureau and Auto Owners are consistently cited as providers offering competitive rates for a wide range of drivers in the state. By comparing quotes, Georgia drivers can potentially save significant money on their car insurance.