Cheap Car Insurance in GA With Low Down Payment

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Cheap Car Insurance in GA With Low Down Payment

Finding cheap car insurance in GA with low down payment takes some time and effort, but it’s often worth it. With a little research, good drivers in the Peach State can get insured from $39 a month with a low down payment of just $20. This article will go into depth on how to get cheap GA insurance with low deposit requirements. Check rates online now by entering your zip code. 

Average Georgia Car Insurance Rates

Currently, Georgia has approximately 6.975 million licensed drivers. These motorists can expect to pay an average of $1,232 per year for their car insurance coverage. 

Rates in Georgia vary based on many factors, including what part of the state someone lives in. For example, Atlanta residents have an annual car insurance cost of $1,616. This figure is almost $500 more than residents of Valdosta, where the cheapest insurance is found. 

However, while many Georgians are paying less than the US annual rate of $1,503, it doesn’t mean they couldn’t find more affordable coverage with a lower deposit, with just a little bit of effort.

If you are a Georgia resident looking for cheaper insurance rates, it’s strongly recommended that you shop around and get quotes from at least five companies before making a decision. Additionally, there are a few things you should know about Georgia’s insurance and driver requirements.

Cheap Car Insurance in GA With Low Down Payment

Georgia’s Minimum Requirements for Car Insurance

According to the Georgia Office of Insurance and Safety Fire Commissioner, GA drivers are required to have, at a minimum, an auto insurance policy with liability coverage. Therefore, if the driver causes an accident, the basic GA liability policy will cover the other driver, their vehicle, and any property or passengers inside up and to the policies’ limits. However, the costs of repairs, replacements, and medical bills will likely exceed the minimum coverage amount. This is why additional coverage with higher limits is strongly recommended.

Georgia Liability Coverage Minimums 

  • $25,000 personal injury protection for each person
  • $50,000 personal injury protection for multiple individuals in an accident
  • $25,000 for property damage coverage

Collision and Comprehensive Coverage

Although you’re only legally required to have liability coverage in Georgia if you operate a motorized vehicle, it might be smart to get more protection. It means adding collision and comprehensive coverage to your policy. Surely, you want to make sure you’re fully protected after an accident, especially if you have a vehicle worth more than $10,000.  

You can get cheap Georgia collision and comprehensive coverage for less than you might think. For qualified GA drivers, rates start at $59 a month with deposits as low as $20. 

Collision and comprehensive coverage offer greater peace of mind. Even if you are at fault in an accident, collision insurance will cover the costs of repairs to your automobile. In most cases, it will also cover car rental charges you may incur while your vehicle is being repaired.

Comprehensive coverage also includes theft, windshield damage, fire, and vandalism. If you don’t want to pay high monthly insurance payments, you may want to customize your policy with a higher deductible. So, it will keep your monthly costs lower while still allowing you to keep comprehensive coverage.

GA Uninsured Motorist Insurance

In Georgia, around 12% of drivers are uninsured. This is why it is essential to consider adding uninsured motorist coverage to your policy if you don’t already have it. This coverage will protect you from the high costs of repairs, medical bills, and property replacement if a driver without insurance hits you.  

Adding it onto your policy only costs a few dollars more per month. Still, it can save you thousands if an unfortunate accident occurs and the other driver has no auto insurance coverage. Compare the cheapest GA car insurance rates in about four to five minutes. Just enter your zip code and fill out a quick online application, and you will be matched with the lowest rates in your area. 

Do You Qualify for Cheap Car Insurance in GA with Low Down Payment?

Insurance companies take on the risk of insuring your vehicle as soon as your policy begins. So, they want to recuperate some of their risk with your initial deposit payment. This is also why some people may not qualify for no money down car insurance. For example, if you fit in any of the following categories below, you may not be able to find a low or no deposit insurance policy in Georgia: 

  • New and expensive car owners. Companies are taking on a higher risk when they insure new, expensive vehicles.
  • Drivers with a poor credit history and a current score below 600.
  • Drivers who are required to file an SR-22.
  • People with a DUI or a reckless driving conviction on their records. 

On the other hand, if your car is older or less expensive, you are more likely to qualify for zero down payment car insurance in Georgia.

Progressive insurance is a larger insurer that offers low down payments and zero down policies. They also have some of the lowest rates in GA, no matter what type of policy you need. Other carriers that offer low down payments include Geico, Esurance, State Farm, Travelers, and Farmers Insurance. Enter your zip code and compare the lowest direct car insurance rates in Georgia.  

Car Insurance Companies that offer Cheap Car Insurance in GA With Low Down Payment

To help you find the cheapest auto insurance in Georgia with the lowest down payments, we looked at quotes from the state’s top insurance companies. Based on rates from over 100 cities in Georgia, these five companies have the lowest rates:

  1. Auto-Owners
  2. Country
  3. The Hartford
  4. State Farm
  5. GEICO

As a bonus, Georgia is one of several states that offers no down payment car insurance. This allows you to start your coverage by only paying your first month’s premium. You have two options for making the rest of your car insurance premiums.

  1. Make a quarterly, semi-annual or annual payment.
  2. Get a monthly installment payment plan.

Keep in mind that a monthly payment plan may work best with your budget, but it may end up costing you more in the long run. Insurance companies offer discounts to those who can pay more of their policy upfront. In other words, the more you pay upfront, the less you’ll pay in the long run. However, if you are low on money, a cheap car insurance in GA with low down payment policy may be the best option.  

Georgia Driver’s Licensing Requirements

In GA, motorists 15 years old and over can obtain an instructional permit, allowing them to learn to drive. A parent or legal guardian must sign the application. Also, the applicant must first pass a knowledge and vision exam. Once the permit is issued, the applicant can only drive when accompanied by a licensed driver age 21 or over. A Georgia instructional permit is good for two years.

Class D Provisional Licenses

Any Georgia resident who is age 16 years or older and has held an instructional permit for one year and one day can apply for a Class D provisional license. The applicant must:

  • Provide evidence of 40 hours of driver training.
  • Complete a GA Department of Driver Services (DDS) approved driver education program and an Alcohol and Drug Awareness Program (ADAP) (both are described on the DDS website and in the driver’s manual).
  • Provide proof of school attendance and conduct requirements, as outlined in the Driver’s Manual.
  • Pass a road exam
  • Pay $10 for the 5-year license

In Georgia, the Class D Provisional License has the following restrictions:

  • The licensed motorist cannot drive between the hours of 12 am and 6 am.
  • For the first six months, the licensee can only have “immediate family members” as passengers.
  • For the second six months, only one passenger under the age of 21, who is not a member of the licensee’s immediate family, can be in the car with the licensee.
  • After the first 12 months, no more than three passengers under the age of 21 may accompany the driver unless they are members of the licensee’s immediate family.

Class C Driver Licenses

Any Georgia driver who has successfully completed the steps above or is age 18 years or older can obtain a regular Class C drivers license by doing the following:

  • Passing a vision exam: To pass the exam, the driver must have a visual acuity of 20/60 with or without corrective lenses. The driver must also have a peripheral vision of 140 degrees.
  • Passing a knowledge exam: This exam has two parts, assessing the applicant’s knowledge of road signs and rules. To pass the exam, the driver must obtain a score of 15 out of 20. (Find additional information in the GA Driver’s License Manual).
  • Passing a road skills test: You will only get this test in English. This test requires a vehicle that is registered, insured, and has passed inspection. You also need a score of 75 or higher to pass. The applicant will be tested on multiple skills, including:
    • gear shifting, if it applies
    • quick stop
    • yield right-of-way
    • three-point-turn
    • backing up
    • passing
    • following distance
    • obeying traffic signals and signs
    • proper posture

Applicants who do not pass the knowledge exam or fail at the Road Skills Test must wait one day before retesting. Additional failures mandate drivers to wait seven days. Applicants who fail because of an accident or traffic violation are required to wait 30 days to retest.

The cost of a regular Class C driver’s license with a 5-year expiration date is $20. For an 8-year expiration date, the fee increases to $32.

DUI/DWI Laws in Georgia

Having a DUI/ DWI on your driving record will definitely increase your car insurance costs. You can hardly get cheap car insurance in GA with low down payment. According to GA law, the BAC limit is .08.

Convicted of a First Offense:

If you are convicted of a first offense and are between 16 and 20 years old, your license will be suspended for 6-12 months. You will also have to pay a $210 fine in addition to mandatory DUI school attendance. If you are over 21, your license will be suspended for a period of 120 days to one year. You also will need to pay a $210 fine and attend mandatory DUI school.

Convicted of a Second Offense:

If you are convicted of a second offense within five years and are between the ages of 16-20, your license will be suspended for 18 months. You will also need to pay a $310 fine, obtain a mandatory clinical evaluation and treatment, attend DUI school, and have an interlock suspension in place between 120 days to 1 year. The same stipulations apply to you if you are 21 or older.

Convicted of a Third Offense:

If you’re convicted of a third offense in 5 years and are between the ages of 16-20, you will face a 5-year license suspension. You will also be fined $410 and must go to a DUI school that includes a clinical evaluation and treatment. Besides, you will need an ignition interlock device for a minimum of 2 years. If you are 21 or older, your license will be suspended for five years. However, you may also have your license permanently revoked in addition to hefty fines and mandatory classes.

Of course, your car insurance premium is sure to increase with every DUI conviction. With the second offense, it may not be possible to get insured in Georgia, and insurance providers will classify you as a high-risk motorist. 

Texting and Driving Laws in GA 

Georgia has banned all cellphone use for all drivers. This includes texting. If you are convicted of texting and driving, your insurance premium may increase substantially.

A Quirky Georgia Driving Law

Southern etiquette is legendary in Georgia. It even applies to driving. For example, if you are driving and come across body parts from a traffic accident, you are expressly prohibited by law from selling them. That is a crazy law, right?

Georgia Car Insurance Discount Options

When you are looking for cheap car insurance in Georgia with no down payment, don’t forget to determine if you qualify for any of the following discounts:

  • Multi-car insurance discount
  • Military discount
  • Good student discount
  • Anti-theft discount
  • Senior citizen or mature driver discount
  • Low-mileage or usage discount
  • Bundling auto and home insurance  

Conclusion about Cheap Car Insurance in GA With Low Down Payment

To get cheap car insurance in GA with low down payment, you need to meet specific qualifications. This includes being classified as a safe driver. You should also have good credit, be over the age of 25 and drive less than 800 miles per month. It would help if you also took advantage of every discount you can to lower your premium even more.  

Georgia law allows no deposit policies, but it’s important to note that not all GA insurers offer no down payment plans. A few companies like Progressive and USAA have both no down payment requirements and low monthly payments. 

To increase your chance of finding the best deal, shop around online for the lowest premiums and deposit requirements. Many insurers like Progressive have low direct pricing and online specials that you can compare.

Comparison shop online quotes in less than five minutes

To get started, just enter your zip code and complete a short online application. Compare the cheapest plans in Georgia and get cheap car insurance in GA with low down payment in minutes. Save more of your hard-earned money with a low-cost GA car insurance policy.