The Full Georgia Auto Insurance Guide [Providers + Coverage]

Whether you want to go hiking in the Appalachian Trail or enjoy the pristine beaches, Georgia has something for everyone. To enjoy all Georgia has to offer, you will be using some of 128,134 miles of roads in the state. However, we all know that driving in Georgia can be dangerous. On average, 70 drivers in the Peach State are involved in an accident every hour.

For a truly enjoyable drive with peace of mind, it’s essential to have the best insurance policy in place. Discover more about the Georgia Farm Bureau auto insurance review and make your driving experience worry-free.

However, we understand how intimidating the auto insurance purchase process can be for you. That is why we have put together this comprehensive guide to help you shop that best policy for you.

In this guide, we will cover all the essential information on the auto insurance market in the state of Georgia. You may need to bookmark this guide, because we will talk about different types of coverage, rates, laws, and much more.

You can also start your purchase process by comparing auto insurance quotes using our FREE comparison tool. All you need is your zip code to get started.

 

What do you need to know about Georgia car insurance coverage & rates?

Georgia has among the highest insurance to disposable income ratio in the country. The Georgians, on average, pay 2.87 percent of their disposable income toward auto insurance. The national average is only 2.29 percent.

With the high accident rate in the state, it is also imperative you maintain adequate insurance for complete peace of mind.

We understand there is a better way of finding out the coverage that works for you. In this guide, we will talk about all the essential insurance fundamentals, such as minimum coverage requirements, premium rates, optional coverage, and much more.

Georgia’s Car Culture

Georgia is the largest state by land area on the East Coast, and we understand why Georgians love their cars.

With no harsh winter to contend with, Georgians can often be seen driving down the country roads in their classic cars. The largest junkyard of classic cars, Old Car City, is in Georgia.

However, millennials are breaking away from the car culture and instead opting for public transportation and rideshare options available in the state. With more than 60 percent of the state’s population in the Atlanta metropolitan area, it is understandable why millennials are choosing to opt for public transportation.

Georgia Minimum Coverage

Georgia car insurance follows an at-fault system, which means that in the event of an accident, the driver “at-fault” is responsible for damages.

Take a look at how state minimum car insurance rates vary from state to state.

Therefore, it is mandatory to hold a minimum car insurance coverage to drive in the Peach State.

According to the Office of Insurance and Safety Fire Commissioner, the minimum requirements for auto insurance while driving on public roads in Georgia are as follows:

You may ask . . .

What is liability coverage, and is the minimum coverage enough for me?

Liability coverage pays for damages to others if you cause an accident. A Georgia insurer is likely to pay for the damages up to your policy limit.

Liability coverage will not cover the damages caused to you or your vehicle.

Let us understand how liability insurance is crucial for you in Georgia:

You were approaching a stop sign and failed to make a complete stop, which resulted in you rear-ending a car in front of you. In this case, your insurer will likely pay for the damages due to the accident. However, the insurer will pay only up to your coverage limit.

Consider the follow-up scenario:

You failed to stop or reduce your speed and hit the car in front of you at a considerable speed. The car is badly damaged, and the driver is injured. Your insurer will pay for damages up to your coverage limit. You have to bear any additional cost out of your pocket.

This is why you should purchase additional coverage than the minimum required by law. This is especially important if you have substantial assets.

You should calculate your financial exposure before deciding on the total liability coverage.

According to the experts at CBS, you should purchase liability coverage equal to the value of your net worth to protect yourself against lawsuits.

However, there are other ways of maintaining financial responsibility that allows you to drive legally in Georgia. We will review these auto insurance options in the following section.

Forms of Financial Responsibility

You must maintain continuous liability insurance coverage on vehicles with active registrations. Georgia Department of Revenue can suspend or revoke your registration if you fail to meet the financial responsibility requirements.

Apart from liability insurance, here are the other acceptable proofs of liability coverage in Georgia:

• Rental agreement of rental car
• Fleet Insurance Policy Card
• For a new vehicle, Bill of Sale dated within 30 days of the date vehicle was purchased along with a valid insurance binder page
• Valid insurance policy information card for Georgia International Registration Plan (IRP)
• A valid Self-Insured Insurance Card and a Certificate of Self-Insurance

All these documents must be in the car at all times while being driven.

Auto Insurance Premiums as a Percentage of Income

The disposable income in Georgia in 2014 was $34,558, whereas the average car insurance premium for full coverage was $991. To put it in perspective, the national disposable income was higher at $40,726, whereas the full coverage insurance premium was lower at $943.

Georgians have to shell out a large portion of their disposable income for car insurance.

The following chart compares the auto insurance rates to disposable income in neighboring states:

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What are the average monthly car insurance rates in GA (liability, collision, comprehensive)?

The full auto insurance policy includes collision coverage and comprehensive insurance in addition to liability insurance.

As per the National Association of Insurance Commissioners, the average cost of insurance for drivers in Georgia is slightly higher than the national average.

The average annual premium for collision ($320) and comprehensive ($153) coverage in Georgia is higher than the national average ($299 and $138 respectively).

You can check sample rate comparisons on the website of the Office of Insurance and Safety Fire Commissioner. As evident from the sample comparison, it is prudent for you to shop around to get the best rate.

You can also follow these steps to save on insurance premium:

• Opt to have multiple vehicles on the same policy (multi-car discount)
• Optimize the deductible — higher deductible will help reduce the premium rates
• Complete a certified driving course for a discount (such as a defensive driving course)
• Teenagers can get good student discounts if they can earn B-average or better grades
• Safety equipment such as ABS, parking sensor, anti-theft alarm
• Aim to reduce your mileage

There are a lot of auto insurance discounts out there, but they vary by provider, so make sure to ask about this when you’re comparing quotes.

You might also consider signing up for a usage-based insurance program. These programs use a telematics device or a mobile app on your phone to monitor your driving habits and issue you a discount based on how safely you drive. Safe drivers are rewarded with cheap rates.

If you have poor credit or a bad driving record, discounts like these can really lower your insurance rate.

Let’s take a look at the average monthly car insurance rates.

Additional Liability

Is third-party liability enough to cover you on the road? The short answer is probably not. With 12 percent of drivers in Georgia being uninsured, it is wise to cover for any eventuality.

However, let us first step back and understand what is meant by uninsured liability coverage.

If you are injured in an accident caused by an uninsured driver, you might have to sue for compensation. However, since the driver doesn’t have coverage, you would have to hope they have the means to compensate you for the injury. (For more information, read our “Which states have the worst drivers?“).

This is where uninsured motorist coverage kicks in. Uninsured motorist coverage pays you in case the at-fault driver doesn’t have coverage or is inadequately covered.

Another additional coverage that you can consider adding to your policy is Medical Payment (MedPay).

MedPay provides medical coverage for you and your passengers in case of an accident. MedPay can also be used to supplement your existing medical insurance coverage by paying the deductible.

However, remember that MedPay and uninsured coverage are optional in Georgia.

Before purchasing auto insurance coverage, you might also want to know about the possibility of a rate hike soon. What is the best way to do that?

Answer: Loss Ratio.

The loss ratio shows how much a company is paying in claims compared to how much money it is earning in premiums. A loss ratio of 70 indicates that the company is paying 70 cents to every dollar earned through premiums.

The overall competition governs the benchmark for loss ratio, but generally, anything between 60 – 70 is considered ideal.

A higher than 100 loss ratio would indicate the company is making losses and may increase premiums to recoup. A loss ratio lower than 100 would indicate the company may not be paying its claims on time or merit.

As you can see from the table above, loss ratios for companies in Georgia are much higher than national averages. The higher-than-average loss ratios may indicate that insurance premiums, in general, might increase in Georgia.

Add-Ons, Endorsements, & Riders

In addition to the optional coverage such as MedPay and uninsured coverage, you can also add the following add-ons to your policy:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Rental Reimbursement
• Modified Car Insurance Coverage
• Classic Car Insurance
• Non-Owner Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

Average Monthly Car Insurance Rates by Age & Gender in GA

In Georgia, insurance providers consider your gender while calculating premium rates. We partnered with Quadrant Information Services to understand the average rates offered for different gender and age groups.

Age and gender will affect the average car insurance rates in Georgia. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in GA.

Read more: State Farm Mutual Automobile Insurance Company Review

The premiums are considerably higher for teens, especially if you are a male. Insurers tend to attach a higher risk factor to teen drivers because of their inexperience.

With age, premium rates become gender-neutral and are governed by factors such as your driving record, credit score, etc. However, not all policies and providers are the same.

As you can see from the table above, shopping around for the best rates can potentially help you save huge on your premiums. For example, a male teen driver can potentially save around $19,000 by moving from Safeco to Geico.

Note that the above data is based on the actual coverage purchased by Georgians and includes rates for high-risk drivers and those who choose to purchase more than the state minimum. It also includes drivers that took the optional coverage such as uninsured motorist and MedPay.

Cheapest Rates by Zip Code

Another essential factor that insurance providers consider while calculating your rate is where you live. Your zip code provides your insurance companies data around the number of thefts, accidents, claims, etc.

Let’s take a closer look at how ZIP codes affect car insurance in Georgia.

Here’s the data from Quadrant Data Solutions that highlights the average insurance rate for different zip codes in Georgia. The data also includes average rates offered by different companies in different zip codes.

As you can see from the table above, each insurer has a different way of pricing the premium. Therefore shopping around for the best rate can potentially help you reduce your premium outflows.

Cheapest Rates by City

We also collected data on average insurance rates by cities in Georgia. You can find your city and the zip code to see the average rate offered in your locality.

Read more: Oakwood Insurance Company Review

What are the best Georgia car insurance companies?

To choose the best insurance product, you need to follow the following two steps:

1. Find a reputable insurance provider
2. Optimize the options on your policy

We have thus far discussed how to optimize your policy given there are so many options for drivers. In this section, we will discuss how you should go about choosing the best insurance provider.

First of all, do not simply choose the cheapest provider in your zip code. Everyone wants cheap car insurance, but you should consider a lot more than just price when you’re choosing an auto insurance company. Insurance is a product that is often required in the time of stress, and therefore, you must be able to make full use of the benefits. The cheapest options may not have the most comprehensive coverage you’ll want.

To choose an insurer, you should consider several factors, including financial health, customer reviews, credit rating, loss ratio, etc.

The Largest Companies’ Financial Rating

The first thing we should look at is the company’s financial rating. Why? A sound financial rating would indicate that the company is in a financial position to settle future claim obligations.

Now, we understand that no one has the time to go through the financial reports and filings of all the companies before finalizing the insurer.

Therefore, we took the help of A.M. Best Credit Rating to understand the credit rating of the top insurance companies in Georgia. A.M. Best Credit Rating is one of the most reputed insurance credit rating agencies in the industry.

Companies with Best Ratings

However, financial ratings can only talk about the financial health of a company. It cannot tell you whether a company is quick or efficient in disbursing claim funds.

The next stage of figuring out the best auto insurance provider for you is to delve into customer reviews. The subjective data on quality of service, response time, ease of claim settlement, etc. can give you an understanding of what to expect when you do business with a particular insurer.

But going through online reviews and comments can be a daunting task.

To help you figure out the customer review, we have leveraged the customer satisfaction rating from J.D. Power, which is a globally reputed automotive review and rating agency.

Here’s what they have to say about the top insurance companies in and around Georgia:

The chart clearly shows that customers highly rate the Alfa Insurance, State Farm, and Auto-Owners Insurance in the Southeastern states.

Now let’s see who is the cheapest car insurance company in Georgia.

Keep these ratings in mind when evaluating quotes from different insurance providers.

Companies with Most Complaints in Georgia

Another critical factor to consider when you are evaluating insurance companies is the number of complaints made by existing customers.

If the number is too high, you know that you cannot expect excellent service quality. In the competitive auto insurance market, auto insurers are continually improving their quality of service as a way to keep customers.

However, any customer who is dissatisfied with the service or action can complain to the Office of Insurance and Safety Fire Commissioner.

The complaint ratio is the method of understanding the quality of service of an insurer. It is the number of complaints received per 100,000 policies written.

A high complaints ratio of an insurer compared to peers may indicate that the quality of service may be unsatisfactory.

Here’s the complaint ratio data for top insurers in Georgia:

Cheapest Companies in Georgia

Looking at the table above, we can see that there is a wide difference in insurance rates. You can save a lot of money by shopping around for the best policy at the cheapest car insurance rates.

Keep in mind, although USAA offers the most affordable rates, this company only serves active-duty military, veterans, and their families.

You can start your search using our FREE online comparison tool. Just enter your zip code to get started.

Commute Rates by Companies

How much you drive can also change your insurance premium. Each company has a different model they use to price an insurance product. Some insurers may not increase your premium for a reasonable increase in annual mileage.

But the key to saving on your premiums is to shop around before signing the dotted line.

Here’s the average rate offered by insurance companies in Georgia:

Take a look at these 6 major factors affecting auto insurance rates in Georgia.

Coverage Level Rates by Companies

The amount of coverage you purchase on your policy has a direct impact on the level of risk assumed by your insurer on your behalf. Higher the risk, the higher the cost.

However, you need to do a cost-benefit analysis between your risk exposure and the amount of savings you can get by not opting for an add-on coverage.

Credit History Rates by Companies

Insurance companies also consider your credit history while calculating your insurance rate. According to the State of the Credit Report by Experian, Georgia has the third-lowest average credit score (654) in the country.

For a fair number of Georgians, there is a small chance of getting a great rate due to a below-average credit score.

Here’s a visual that helps in comparing the cost by credit score level:

Driving Record Rates by Companies

Your driving record is critical while calculating your insurance premium. However, each insurer may value different things on your driving record a bit differently.

Let us first review the average rates in Georgia as per the driving record:

As we can see from the table above, Geico and Nationwide consider a DUI conviction far riskier than an accident. However, the reverse is true for Allstate and Progressive.

State Farm doesn’t seem to vary their insurance rates based on the type of offense. However, regardless of the offense, you can expect your premium will increase.

If you are in the market with a clean driving record, you can choose between insurance companies based on all the other factors we discussed previously in this section.

Largest Car Insurance Companies in Georgia

Here are the largest auto insurance companies in Georgia along with their respective loss ratios.

State Farm, Geico, and Progressive are the three biggest players, writing more than 46 percent of the auto insurance policies in Georgia.

Who are the largest car insurance companies in Georgia?

Number of Insurers by State

Here’s the total number of insurers operating in Georgia.

In this context, domestic insurers are Georgia-based, whereas foreign insurers are based out of state.

Read more: How do you get auto insurance for a foreign exchange student?

What do you need to know about Georgia state laws?

To purchase the most appropriate insurance cover, you need to understand the applicable state laws.

We understand that state laws can be often confusing and tedious to follow. Therefore, in this section, we have discussed all the essential laws in an easy to understand manner.

Car Insurance Laws

Auto insurance in Georgia is governed by the Office of Insurance and Safety Fire Commissioner. The state follows the tort system of car insurance, otherwise called the “at-fault” system.

It is your responsibility to keep up to date with the changes in insurance laws in the state. The three recent changes in insurance laws in Georgia that you should know about are:

• Texting is banned for all drivers
• Cell phone use is banned (including hands-free) for teen drivers
• Repeat DUI convicted drivers are required to install an ignition interlock device (IID)

Let us review some of the important rules and regulations in Georgia.

Windshield Coverage

Insurers in Georgia can use aftermarket parts to repair or replace windshields. However, they would have to mention on the estimate which aftermarket part they are using along with the accompanying guarantee.

You can choose to have the repair done on your own or use OEM parts. However, you would have to pay for the difference in both cases. Georgia state law doesn’t mandate zero deductible for windshields, but companies may provide the option with comprehensive coverage.

High-Risk Insurance

If you have DUI convictions, accidents, or have generally accumulated points for traffic violations, insurers may consider you a high-risk driver.

As a high-risk driver, you may be required to obtain an SR-22 certificate. Coverage under an SR-22 certificate will be expensive because of the underlying violation that prompted the requirement in the first place.

For some cases with repeat offenses or poor driving record, insurance companies may deny you coverage. If you have trouble finding insurance cover in the voluntary market, you can opt for the Georgia Automobile Insurance Plan (GAAIP).

Automobile Insurance Plan Service Office will allocate you to one of the insurance providers operating in Georgia. The assignment is done according to the market share serviced by the insurer.

According to the law in Georgia, all insurance providers must also provide coverage to high-risk drivers. However, the coverage is provided through a residual market managed by AIPSO.

To be eligible for the GAAIP, you must meet the following criteria:

• Certify that you failed to secure insurance in the voluntary market within the last 60 days
• Have a valid driver’s license
• Car registered (or about to be registered) in Georgia
• Not have missed car insurance payments in the previous 12 months

If you meet the criteria, you will be assigned an insurer under the GAAIP plan.

The coverage you will receive under the high-risk plan will be identical to what you will get in the voluntary market. However, you will have to pay significantly more for the coverage.

Low-Cost Insurance

There are no state-mandated regulations for low-cost insurance in Georgia. You are encouraged to shop around for the best rate.

Automobile Insurance Fraud in Georgia

Committing insurance fraud is a crime in Georgia. Auto insurance fraud impacts the profit of the insurers and results in higher premiums for the rest of us.

If you suspect somebody is committing insurance fraud, report it to the Office of Insurance and Safety Fire Commissioner.

In Georgia, you can report the fraud at (404) 232 – 1212.

Now, let us understand what qualifies as a fraud.

Auto insurance fraud can generally be classified either as a hard or soft fraud.

Hard frauds are intentionally committed with criminal intent to cheat the system. This includes things like staging an accident or filing a claim for an accident that did not happen.

Soft frauds, on the other hand, are committed unknowingly due to a lack of understanding of the laws. It is unlawful to underestimate mileage in an insurance application or claim garage parking for a discount when the car is parked on the street.

Here are the different kinds of frauds that you need to be vigilant against:

Statute of Limitations

The statute of limitations in Georgia is two years for personal injury and four years for property damage.

What is a statute of limitations?

The statute of limitation is the time after an accident until which you can bring a lawsuit against a the other driver.

Vehicle Licensing Laws in Georgia

Whether you are going for your first license or renewing the old one, this section will tell you all that you need to know about licensing laws in Georgia.

REAL ID

If your license is up for renewal, we recommend that you get a REAL ID. A REAL ID is an enhanced driver license that came into existence after the Federal Real ID Act was passed in 2005.

REAL ID will come into effect on October 1, 2020, and will allow you to board domestic flights, enter federal buildings, or cross U.S. border crossings.

You do not need REAL ID if you have any of the following to board flights or enter federal buildings:

• U.S. Passport
• Foreign Passport
• U.S. Military ID
• Permanent Resident Card (Green Card)

You can visit the nearest Customer Service Center to get your REAL ID. You can also check your eligibility and start your online application on the website of the Georgia Department of Driver Services.

Penalties for Driving Without Insurance

Georgia law requires you to maintain continuous coverage of liability insurance for a vehicle with active registration. Georgia Department of Revenue can suspend or revoke your vehicle registration if you fail to maintain liability coverage for your vehicle.

Georgia state laws consider driving without insurance a serious offense. If you are caught driving without insurance, the Department of Driver Services can suspend your driver’s license, and you can be fined up to $1,000 and face up to 12 months in jail.

Do not make the mistake of driving without insurance. You can use our FREE tool to get quotes now. Just enter your zip code to get started.

Teen Driver Laws

Georgia follows the Teenage & Adult Driver Responsibility Act (TADRA) for teen licensing. TADRA provides a multi-stage licensing process to help a teen get comfortable under supervision before being allowed to drive on their own.

As a teen driver in Georgia, you can apply for an instruction permit at the age of 15. To successfully receive an instruction permit, you have to pass a knowledge and vision test. You also must have already enrolled in an approved driver education course.

The instruction permit allows a teen driver to practice under the supervision of a licensed driver over the age of 21.

After keeping the instruction permit for 12 months, you can now apply for an intermediate driver’s license. To receive the intermediate license, you must meet the following conditions:

• Held a conviction-free instruction permit for twelve months
• Passed an approved driver education course
• 40 hours of driving experience, including six hours of night driving
• Pass the driving test

Keep a clean driving record for the next 12 months, and you will have a full Class C driving license.

If you have further questions on teen driving, you can check with local insurance agents or go through the FAQs on the website of the Georgia Department of Driver Services.

New Residents

You must apply for a Georgia driver license within 30 days of becoming a Georgia resident. You can visit any Customer Service Centers to exchange your out-of-state license.

If you have an out-of-state license, you can exchange it for a Georgia driver’s license without having to take the road and written tests.

You can also exchange your driver’s license if you are from countries that have a reciprocal agreement with the Georgia Department of Driver Services (Canada, South Korea, etc.).

License Renewal Procedures

A driver’s license in Georgia is valid for eight years from the time of the issue.

You can renew your license up to 150 days before the expiration of your current driver’s license. However, if your license expired more than two years ago, you would have to retake the road test.

You can renew your drivers’ license online, by mail, or in person.

Rules of the Road

A clean driving record goes a long way in reducing premium rates. For a clean driving record, you should have up-to-date knowledge of the road rules in your state.

In this section, we will try to give a basic refresher of rules and regulations in Georgia.

Fault vs. No-Fault

Georgia follows the tort system of auto insurance, and therefore you are required to purchase a liability insurance coverage to be able to drive legally in the state.

If you cause an accident in Georgia, you are held at fault for the accident and are liable for damages. Therefore, you must purchase adequate liability coverage for complete peace of mind.

Seat Belt & Car Seat Laws

Seat belts are vital for passenger safety in case of an accident. Seat belts, coupled with air bags, are effective in reducing injuries and saving lives.

In Georgia, each occupant in the front seat of a vehicle must wear a seat belt. Not wearing a safety belt when the vehicle in motion is a primary offense. According to the Insurance Institute of Highway Safety, the fine for not wearing a seat belt is $15.

According to the National Highway Traffic Safety Administration (NHTSA), safety belts saved approximately 14,000 lives in 2016.

You must also follow the child seat belt laws:

Keep Right & Move Over Laws

Georgia state law requires drivers approaching a stopped emergency vehicle with flashing lights to move over to the adjacent lane and slow down.

Georgia requires you to move to the right lane if you are blocking the left lane by driving slower than the surrounding traffic. You are required to let the faster traffic pass through.

Speed Limits

Ridesharing

In 2015, Georgia passed a law regularizing the rideshare companies in the state.

Ridesharing companies have to provide insurance when the driver is logged into the system. However, the driver is responsible for the protection of the car when not logged into the ridesharing system.

Here’s an easy-to-understand chart explaining the insurance set up for ridesharing:

You can seek a quote from any of the following insurers if you drive for a ridesharing company:

• Allstate
• Farmers
• Geico
• State Farm
• USAA

Automation on the Road

Georgia allows driverless cars on the street, and the operator is not required to be present in the vehicle. However, the driverless car must have the required liability insurance.

Safety Laws

Careless driving can result in unfortunate results on the road. An impaired or distracted driver can cause a serious accident resulting in severe injury or harm to anyone sharing the road.

Georgia has strict laws in place to discourage people from endangering their own lives and others’. In this section, we will briefly review the safety laws put in place in Georgia.

DUI Laws

In 2017, there were 366 alcohol-impaired driving fatalities in Georgia — which makes alcohol-impaired fatalities more than 23 percent of the total fatalities in the state.

Of the 366 fatalities, 32 alcohol-impaired driving fatalities were of kids under the age of 21. To detract drivers from driving under the influence of alcohol, Georgia has put in place strict penalties.

The first two infractions for driving under the influence (DUI) carries a misdemeanor charge while the third offense aggravated misdemeanor and the fourth and subsequent a felony charge.

The lookback period is the time an offense will remain on your record. If you repeat a DUI within the lookback period, it will count as a subsequent offense.

The lookback period for DUI charge is 10 years.

Here’s the quick summary of the DUI laws in Georgia:

Marijuana-Impaired Driving Laws

Georgia state law has zero-tolerance for marijuana and if you are caught impaired while driving, it may result in punishment under the DUI laws.

Distracted Driving Laws

Georgia wants drivers to focus on driving and not on electronic devices. Therefore, it is illegal to use wireless telecommunications while driving to make or receive, telephone calls, send and receive text messages, send emails or social media posts, or generally browsing the internet. You also cannot use your hand-held device while waiting at a traffic light.

Remember all these laws attract primary enforcement, which means if you are caught texting while driving, law enforcement can stop and book you.

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What do you need to know about driving safely in Georgia?

Theft and accidents increase the risk to insurance companies and therefore play a vital role in your premium calculations.

Also, it is beneficial to know facts such as which car is most likely to be stolen, or what the accident rate is in your locality. In the end, driving is inherently risky, and we want you safe on the road.

Vehicle Theft in Georgia

According to the National Insurance Crime Bureau, the following were the most stolen vehicles in Georgia in 2016.

Honda Accord is the most stolen car in Georgia, followed by Ford and Chevrolet pickups.

Based on FBI data, we created the following table on the number of thefts in different cities of Georgia. Search for your city in the table for a representative tally on the number of car thefts.

Road Fatalities in Georgia

Unfortunately, some road accidents lead to fatalities. Let us review fatalities rates and causes in Georgia.

Most Fatal Highway in Georgia

The Georgia State Route 11 is notorious for crashes and fatalities in Georgia. The highway traverses from the north to the south of the great state of Georgia.

The highway sees an average of 12 accidents per year and the fatality crash rate is 0.8. This means that 80 percent of the crashes on the highway has resulted in a fatality.

Fatal Crashes by Weather Condition & Light Condition

Fatalities (All Crashes) by County

For the last five years, the most dangerous counties concerning traffic-related deaths remained the same. The five-year fatality totals for the worst counties are:

However, the bad news is that the situation is getting worse for all these counties, and especially for Gwinnett County.

Traffic Fatalities

According to the data from the National Highway Traffic Safety Administration, urban roads in Georgia are steadily becoming more dangerous compared to rural roads.

Fatalities by Person Type

According to the NHTSA data, passenger car occupants accounted for the most traffic-related fatalities in Georgia.

Fatalities by Crash Type

In Georgia, single-vehicle crashes involving a road departure are the most fatal.

Five-Year Trend For the Top 10 Counties

Fulton, Dekalb, and Gwinnett counties have been the most dangerous in the last five years for traffic-related deaths in Georgia.

Fatalities Involving Speeding by County

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Alcohol-impaired driving has resulted in many fatalities on the road. The situation with drunk driving–related fatalities is especially worse for Cobb, Dekalb, Fulton, and Gwinnett Counties.

Teen Drinking & Driving

According to the arrest data made available by the Federal Bureau of Investigation, law enforcement in Georgia arrested 89 teens for drunk driving in 2016.

Georgia is the 41st worst state for teen drunken driving in the country.

According to Responsibility.org, Georgia registered one alcohol-impaired-driving fatality per 100,000 people. This is slightly less than the national average of 1.2. However, we must avoid mixing drinking and driving for the sake of everyone sharing the road with us.

Drive safe!

EMS Response Time

EMS response times are usually faster in urban areas compared to rural areas. This is probably due to better access to healthcare facilities in urban locations.

Transportation in Georgia

Commute time in Georgia is slightly higher than the national average. Let us understand the reason behind the commute time in Georgia.

Car Ownership

When you drive through your neighborhood in Georgia, you may see most households have more than two cars. According to DataUSA, the majority of Georgian households own two cars.

Commute Time

According to DataUSA, on average, commuters in Georgia spend 27.1 minutes on their daily commute. This is slightly higher than the national average of 25.5 minutes for the daily commute.

However, 3.09 percent of commuters in the Peach State have “super commutes” over 90 minutes.

Commuter Transportation

A vast majority of commuters in Georgia prefer to drive alone to work.

Traffic Congestion

A vast majority of Georgians live in the largest city in the state, Atlanta. Naturally, traffic congestion is a problem in the city.

According to Inrix, Atlanta is the 11th-most congested city in the country, with drivers wasting 108 hours due to the congestion. The situation has gotten worse in 2018 compared to the previous year.

The cost of congestion per driver is estimated to be $1,505 per year.

Staying safe on the road needs more than better driving. Stay protected with the best car insurance coverage for you. Just enter your zip code in our FREE tool to start your insurance search.

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