Although you’ll see an increase in your car insurance premium with a speeding ticket on your record, here’s how to find cheap car insurance in Georgia nevertheless.
Get Minimum Coverage
Georgia requires all its drivers to have liability coverage to pay for injuries and property damages they cause outside of their vehicles. You must get $100,000 worth of liability coverage total, which, on average, costs $829 annually (but keep in mind this is an average across all risk levels).1 Here are the minimum limits the state requires within that $100,000 total:
- Bodily injury liability coverage per person: $25,000
- Bodily injury liability coverage per accident: $50,000
- Property damage liability coverage per accident: $25,0002
All auto insurance companies offer Georgia drivers the lowest car insurance rates if you get minimum coverage. You’ll incur a higher premium for full coverage car insurance.
Take a Driver Improvement Course
In Georgia, there is a way to get points removed from your record, which will lower your insurance premium. You can reduce up to seven points every five years by completing a certified driver improvement (defensive driver) course. See the options at https://online.dds.ga.gov/ddsgeorgiagov/locations/driver-improvement-schools.aspx.
Once you complete the course successfully, you’ll mail the certificate of completion either to your local Georgia Department of Driver Services (DDS) customer service center or to:
- Georgia Department of Driver Services
- P.O. Box 80447
- Conyers, Georgia 30013