Best Georgia Car Insurance (2024)

Hot summer days in Georgia can slow your right down – and that calls for relaxing with a sweet tea on the porch. From juicy peaches to gorgeous beaches, there’s a lot to recommend this glorious Southern state. Whatever your pace, if you’re on the road you need car insurance in Georgia.

And while you’d rather explain why you can’t have breakfast without grits to a Northerner (bless their hearts) than shop for car insurance, it simply has to be done. If only there was an easier way to figure out what coverage you need and what company you should buy it from.

Don’t worry, we’ve got you covered. Or rather, we have what you need to know to get covered.

Read on for a comprehensive rundown of the best Georgia car insurance, what you need by law, and how the law affects you. We’ll also cover your car insurance company options and how they stack up for rates and reputation.

And if you want to get straight to the comparing quotes part, we’ve got that covered, too. Just enter your zip code above and get started right now.

Georgia Car Insurance Coverage and Rates

Car insurance is required by law in Georgia. Everyone on the road needs to carry a minimum amount in order to be in compliance with financial responsibility laws. Those laws ensure that everyone is responsible for injuries or damages caused when they are at fault in an accident.

While it seems straightforward to just buy some coverage that keeps you legal, it’s a bit more involved than that. If you have a loan, you will need additional coverage.

If you have a lot of assets to protect, you will want higher limits. And then there’s choosing the right company for your needs – it gets confusing in a hurry, right?

We’ve simplified it. We have all the information you need right here.

This section will cover what you need by law as well as what other options are out there. We’ll also take a look at some rate comparisons with data provided by Quadrant.

Georgia Minimum Coverage

Georgia law requires everyone to carry liability coverage. This is in place to pay for injuries and damages to others in the event you are found to be at fault for an accident.

The Georgia Department of Insurance outlines the following mandated insurance coverage for all drivers in the state:

• Bodily Injury Liability in the amount of $25,000 per person and $50,000 per incident
• Property Damage Liability in the amount of $25,000

Georgia is a fault state, which means you are responsible for financial damages when you cause an accident.

You can be sued for damages that exceed the limits of your insurance policy.

That means that carrying just the legal minimum can leave you without enough coverage in the event of a serious accident.

Insurance doesn’t just protect you from an accident; you need to be able to present proof when asked by law enforcement and will be charged with a violation if you fail to do so.

Many states now allow drivers to present that proof in electronic format. According to Allstate, Georgia is one of them.

You can show proof of insurance on your phone or another mobile device, assuming your insurance company provides it. However, as we will cover a little later, Georgia law requires that your insurance information is on file with the state database.

As AAA explains, you are also required to present proof of insurance when you register your vehicle. Insurance companies can submit policy information electronically on their insured’s behalf, but you will still need to carry some form of proof.

The cost of minimum coverage varies from state to state.

Forms of Financial Responsibility

Proof of insurance is the most common form of financial responsibility in Georgia. It’s what most drivers choose to do to protect themselves and keep on the right side of the law.

There is another option, however. Georgia is one of a few states that allows drivers to set up a plan of self-insurance without a minimum number of cars. Most states require a fleet of at least 25 vehicles for self-insurance to be permitted, but in Georgia, there is no such limit.

According to the Georgia Department of Revenue, in order to self-insure you have to file and have approved:

“…(a self-insurance plan that) provides coverage, benefits and efficient claims handling procedures equal to those provided by an automobile liability insurance company and complies with all state laws, rules, and regulations.”

This usually means providing proof of the necessary finances to pay for damages that would otherwise be covered by insurance.

Premiums as a Percentage of Income

How much of your disposable income (what’s left after taxes) can you expect to spend on car insurance in Georgia? Here’s a look at premiums as a percentage of income over three years. After an increase between 2012 and 2013, the percentage stayed steady into 2014.

Georgia has remained above the national average for some time. In 2014, that national average was 2.40 percent.

Still, Georgia drivers are doing better than their neighbors to the south; Floridians spent an average of 3.15 percent of their disposable income on insurance in 2014. That’s not surprising since Florida has some of the highest rates in the nation.

Eastern neighbor South Carolina has similar rates, at 2.81 percent of disposable income. Alabama to the east is a bit cheaper, landing at 2.5 percent.

Average Monthly Car Insurance Rates in GA (Liability, Collision, Comprehensive)

Core car insurance coverage includes the parts that combine to create a full coverage policy. Here’s a breakdown of the cost of each part of that coverage.

Georgia’s average rates fall just a little above the national average in all categories, for a total cost that’s about $40 a year above what the rest of the country pays on average.

Additional Liability

There are other forms of liability insurance you can purchase in Georgia that aren’t required by law but can help protect you financially.

We can learn something about how these forms of liability are being paid out in claims by looking at loss ratios provided by the National Association of Insurance Commissioners (NAIC).

Loss ratios tell us how much insurance companies are paying out on claims compared to how much they are taking in as premiums.

A loss ratio that is over 100 means insurers are paying out more than they are taking in, putting them at risk of financial problems. You don’t want to see loss ratios that are too high, but you also don’t want to see them too low. That’s a sign that claims aren’t being paid out.

The Insurance Information Institute states that 12 percent of Georgia drivers are without insurance, and Uninsured Motorist Coverage (UM) can protect you from those drivers.

An underinsured motorist is one that has insurance, but with limits that aren’t sufficient to cover damages. Underinsured motorist coverage is available in two forms in Georgia.

The two forms of UM/UIM in Georgia are “Traditional”, where coverage is set off by the other driver’s liability coverage, and “New” where your coverage is stacked on top of the other driver’s coverage.

The new form of underinsured motorist coverage is more spendy but provides more coverage.

Add-Ons, Endorsements, and Riders

There are a lot of other coverage options you can look at to enhance your insurance policy. Here’s a list of some of the choices:

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

Several big companies offer usage-based insurance policies in Georgia. Pay-per-mile insurance is the new trend in this area, but currently, it’s not offered by any Georgia insurers.

Average Car Insurance Rates by Age & Gender in GA

Gender and age are both used to calculate rates for Georgia drivers. Below you will see sample rates from top companies for several age groups, compared by male and female drivers.

Gender matters quite a bit less as drivers get older and have more experience. The biggest difference is seen in the 17-year-old age group, where male drivers cost more across the board. For older age groups, many companies show no difference at all by gender.

Rates By Zip Code and Carrier

Your zip code can also impact your rates quite a bit. To see how rates look in your zip code, take a look at the table below and search for your zip code.

Georgia’s cheapest rates are found in zip codes surrounding and within Moody AFB.

The most expensive zip codes are located in Atlanta and areas to the east of the city.

Rates By City

While expensive rates can be focused in one zip code, it doesn’t always mean that the whole city has high rates. Here’s a table of average rates in Georgia by city.

In Georgia’s case, the cheapest zip code is at Moody AFB, and that’s also the cheapest city (although it’s technically an Air Force Base rather than a traditional city).

Atlanta has the most expensive zip code but isn’t the most expensive city overall. That honor belongs to Clarkston. Cheaper zip codes in the city keep Atlanta out of even the top ten, ranking it at the 14th most expensive city in Georgia.

Best Georgia Car Insurance Companies

There are a lot of car insurance companies in Georgia, and they all want your business. But how do you know which company really cares about you as a customer and not just a premium?

You want to find a company that will be there for you when you need them, but it’s hard to cut through the advertising promises and get to the truth.

We can help with that. We’ve gathered everything you need to know about the best car insurance companies in Georgia.

This section will cover all the details from customer satisfaction ratings to financial standings. And we’ll also look at rates, too, because you want to pay a fair price for the best coverage.

The Largest Companies’ Financial Rating

When you’re shopping for a car insurance company, financial ratings may not be the first thing you look at. It’s important, however, to know that you’re giving your money to an insurer that is financially stable?

Companies with a solid financial rating are better able to pay claims, even in times of major catastrophe.

The gold standard for financial ratings when it comes to insurance companies is AM Best. They give each company a letter grade based on its current and future outlook.

Here are the AM Best ratings for the top insurance companies in Georgia.

Most of the top ten have ratings of Excellent (A, A-) or Superior (A+, A++). Georgia Farm Bureau has a B+, or Good, rating. That puts it in a slightly less strong position as the other choices on the list.

Companies With The Best Ratings

From financial strength, we will jump over to customer satisfaction. For that, we turn to a trusted name in insurance satisfaction surveys, J.D. Power.

Customer satisfaction surveys are done by region as well as nationally. Georgia falls in the Southeast region. Here’s how auto insurance companies in that region fared.

Only two of the top 10 insurance companies earned an above-average four out of five rating from J.D. Power in 2019: State Farm and Auto-Owners. Geico and Nationwide, also top ten insurers, earned three out of five.

USAA did earn the top rating with a five out of five – but doesn’t rank on the list due to their limits on eligibility.

Companies With The Most Complaints in Georgia

The Georgia Department of Insurance issues annual reports on the number of complaints filed for each insurance company. Complaint number and ratio are both provided for every insurance company.

Complaint ratio shows the number of complaints compared to the premiums written by the company; a larger number of complaints for a company with a larger share of the market can still result in a lower ratio.

Below are the top ten insurance companies by market share ranked by their complaint ratio from lowest to highest.

While State Farm has the largest number of complaints overall, they rank fourth for complaint ratio. That’s because they are the largest company in the state by market share by a wide margin.

They write a lot more business than does the company with the lowest complaint ratio (Auto-Owners), therefore their larger number of complaints adds up to a fairly low ratio.

Cheapest Insurance Companies in Georgia

We’ve looked at how the companies rate for financial strength and happy customers – now we’ll take a look at their rates with data provided by Quadrant.

This table shows the average rates in Georgia for several top companies.

Geico has the lowest average rate in Georgia, followed closely by USAA.

Commute Rates By Company

How long you drive to work each day and how many miles you drive each year can have an impact on your insurance rates.

Some companies don’t increase their rates based on mileage at all, while others have minor increases. In spite of the slight increase from short to longer commute, Geico still comes in cheapest, even with a 25-mile commute.

Coverage Level Rates By Company

Most people would like to carry more coverage but choose not to because of the expense. How much does a higher level of coverage actually cost on average? Here’s a look at three coverage levels across companies.

Geico is still the cheapest, even at the highest level of coverage. In fact, you can purchase a high level of coverage from Geico for almost $6,500 less per year than the low level of coverage at Liberty Mutual.

This is why shopping around is so important.

Credit History Rates By Company

Your credit history affects how much you pay for car insurance.

People with good credit pay lower rates than those with poor credit, but again the rates vary a lot by company.

If you have good credit, you are likely to see the lowest rates from State Farm. Geico is the best bet for those with poor to fair credit.

Driving Record Rates By Company

Here’s the factor that causes the most anxiety for insurance shoppers. Your driving record can have a really big impact on your rates, but that speeding ticket doesn’t mean you can’t get a good deal by shopping around.

Below are the average rates for a clean record compared to three common driving record issues.

If you have a clean record, Geico is the cheapest, and they remain the cheapest for drivers with one speeding ticket or one accident.

But if you have a DUI, you will want to avoid Geico. State Farm’s rate for a DUI is nearly $1,800 a year cheaper. In fact, State Farm’s rates don’t really jump much in any particular situation.

Largest Car Insurance Companies in Georgia

Biggest doesn’t always mean best, and there are some great small insurance companies out there. But it does say something when more Georgians choose one company over the others.

These are the top ten insurance companies in Georgia by market share.

State Farm is the largest insurer in the state with nearly double Geico’s share. Local insurance company Georgia Farm Bureau lands the number nine spot.

Number of Insurers in Georgia

The NAIC lists a total of 1,011 property and casualty insurance companies that are licensed to do business in the state of Georgia. It’s worth noting that not all licensed insurance companies will offer car insurance.

Of the insurance companies listed, 23 are domestic and 988 are foreign. That doesn’t mean they are from another country.

A domestic insurance company is headquartered in the state, while a foreign company is headquartered in another state.

That’s a lot of insurance companies to choose from. To find the best, you need to shop around.

Georgia State Laws

Nobody wants to wind up on the wrong side of the law, but it seems like there are so many statutes that are constantly changing it’s hard to keep up. And who can read all that legal language, anyway? You need a simple breakdown of the state laws that are pertinent to you as a driver and car owner.

This next section will provide you with exactly that.

We will cover all the basics of driver and vehicle licensing, insurance and related laws, and the must-know rules of the road. And we’ll do it all in language everyone can understand.

Car Insurance Laws

You’re aware of the necessity for car insurance in Georgia and are familiar with the minimum requirements. However, there are additional aspects to consider, particularly in relation to Georgia car insurance laws.

How State Laws Are Determined

Insurance laws in Georgia are found in the Georgia State Code, Title 33.  Motor vehicle and traffic laws are found in Title 40. Laws are created and passed by the Georgia General Assembly.

According to the NAIC, all rate filings for statutory coverage by insurance companies in Georgia require prior approval. Rate filings for other coverage are on a file and use basis.

Windshield Coverage

According to Carwindshields.info, Georgia has laws on the books that determine how windshield repair and replacement are handled.

Insurance companies can use aftermarket parts, but it needs to be designated and guaranteed on the estimate.

You have the right to insist on OEM parts for replacement, but you may be responsible for the difference in price.

You also have the right to select the repair shop that does the work, but again you may have to pay the difference in price between your shop of choice and the one chosen by the insurer.

High-Risk Insurance

Drivers can be classified as high-risk for a variety of reasons, but the most common is a poor driving record. Multiple tickets and accidents, DUIs, serious violations, and repeated violations of the financial responsibility laws can all land a driver on the high-risk list.

In some cases, a driver may be required to file an SR-22, which is a special financial responsibility form filed by the insurance company. It proves that the driver is in compliance with the insurance laws. The most common reason for an SR-22 is driving without insurance, but several other violations can also result in the requirement.

Any insurance company can file an SR-22 for you, but not all insurers choose to provide this service.

There are companies that provide insurance specifically for high-risk drivers. These are known as non-standard insurers, and their requirements for coverage are less stringent than standard insurance companies.

There are some situations, however, when even the non-standard companies may turn a driver down. In that case, the Georgia Automobile Insurance Plan (GAAIP) steps in.

The GAAIP is a last-resort option to get coverage when other insurance companies have refused to insure a particular driver.

This high-risk pool assigns each driver to an insurance company, and that company is required to provide a policy. While they do have to rate within certain guidelines, GAAIP doesn’t mean a low-cost option. High-risk insurance is expensive no matter where it’s purchased.

The best way to get off of a high-risk policy and back to a more affordable, standard insurance plan is to improve your driving record, credit, and any other issues that may have landed you there in the first place.

Low-Cost Insurance

Georgia doesn’t have a state-sponsored low-cost insurance program at this time.

The best option for low-income families is to shop around, compare rates, and focus on the coverage you really need while avoiding unnecessary add-ons.

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Automobile Insurance Fraud in Georgia

Insurance fraud is against the law in Georgia. According to the Insurance Information Institute, property and casualty insurance fraud costs about $30 billion annually. It may seem like something that only hurts big insurance companies, but the cost of fraud adds up to higher premiums for everyone.

The Georgia Department of Insurance operates a Fraud Investigation Division to investigate possible cases of insurance fraud.

Consumers can report fraud by phone at 404-232 -1212

There is also an online form that can be filled out to report suspected fraud through the NAIC.

Insurance fraud is a felony in Georgia. The penalties include:

• 2-10 years in prison
• Fines of up to $10,000
• Restitution
• Possible civil penalties

Statue of Limitations

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

State Specific Laws

While Georgia tends to have laws similar to the rest of the country, a Savannah Now article on law Georgians may not be aware of reports that there is at least one vehicle law that’s unique to the state.

It’s illegal to have any portion of the vehicle’s tags obscured or obstructed. That includes things like vehicle license plate frames, which must leave the entire tag in clear and complete view.

Vehicle Licensing Laws

This section will take a look at the laws the govern driver and vehicle licensing in Georgia.

REAL ID

As of October 1, 2020, REAL ID requirements will go into place at TSA for all domestic flights. The Department of Homeland Security lists Georgia as one of the states that are in compliance with the law.

Without a REAL ID, travelers on domestic flights will not be able to use their driver license as identification on any domestic flight after the deadline. They will still be able to use other forms of acceptable ID, such as a passport, for travel if they choose not to get a REAL ID license.

In Georgia, the new license is called a Secure ID. The Department of Driver Services (DDS) outlines all of the requirements to obtain a Secure ID. You need to bring a few more documents than you would need for a regular driver license.

You will need:

• Proof of Identity, such as an original or certified document such as a birth certificate, US Passport, Certificate of Naturalization, I-551, etc.
• Your Social Security Card. (A W-2, SSA-1099, or paystub is acceptable if it shows your full social security number)
• Two Documents proving Georgia residency, such as a utility bill.
• If your name is currently different than the “identity document” presented, you must provide a legal name change document  (e.g. marriage certificate, divorce decree, etc.)

Penalties For Driving Without Insurance

The Georgia Electronic Insurance Compliance System is a state-run database that keeps track of insurance policies on all vehicles registered in the state. Insurers provide proof of insurance matching the vehicle’s VIN number electronically.

Law enforcement can access this database to confirm insurance is in place; the database information supersedes any ID card you have on hand (or don’t have) as final proof. In fact, in Georgia, paper insurance cards are no longer accepted as proof of insurance. Your insurance must be on file in the electronic system to be valid.

If there is no insurance policy on file for your vehicle, you will be charged with driving without insurance.

Driving without insurance in Georgia is a misdemeanor offense. Penalties for a conviction include fines of up to $1,000 and jail time of up to 12 months.

In addition to the criminal penalties, you will have your license and registration suspended. There is a $25 lapse fee as well as a $60 reinstatement fee.

Drivers convicted of driving without insurance will be required to file an SR-22 after the second and any subsequent offenses.

Teen Driver Laws

Georgia’s Teenage and Adult Driver Responsibility Act (TADRA) is a Graduated Driver Licensing program for teen drivers. This type of program eases teens into the responsibilities of driving with restrictions and requirements at every stage.

The program has three phases that every teen driver needs to go through in order to become a fully licensed driver.

These are the requirements and restrictions for each stage of the program.

Older Driver Renewal Procedures

According to the Insurance Institute for Highway Safety, older drivers don’t have any real restrictions aside from one.

If you are age 64 or older, you will be required to process all of your renewals in person. Online renewal is only available for drivers under 64.

You will need to renew on the regular cycle, every eight years, and pass a vision test at every renewal.

New Residents

If you are new to Georgia and need to transfer your license, the procedure is pretty straightforward.

Visit your local DDS office with your current out of state license. You will need to pass a vision test and surrender your current license in order to be issued a valid Georgia license.

You will also need to bring along, according to the DDS website, proof of residency and proof of your legal status in the United States. If you’re applying for a Secure ID, you will need to bring everything listed in our section on REAL ID above.

License Renewal Procedures

Every Georgia driver needs to renew their license on an eight-year cycle.

Every second year, you can renew online, as long as you are under the age of 64.

At every renewal, you will need to provide proof of adequate vision.

Negligent Operator Treatment System

Georgia uses a points system to track negligent drivers. Violations will result in points being applied to your license, and those points can add up to one suspended license.

Points for violations can range from 1-6 depending on the offense. There are no points assessed for some violations, such as speeding under 15 mph over the posted limit.

The DDS lists points for many common violations.

15 points in a 24-month period will result in suspension of driving privileges.

Drivers can request a points reduction by completing an approved Driver Improvement course. Points can be reduced by up to seven every five years.

Rules of the Road

This next section will deal with the rules of the road you need to know to stay safe and avoid some of the above-mentioned points on your license.

Fault Vs. No-Fault

Georgia is a fault state. That means that the driver found to be at fault is responsible for damages, and that driver’s insurance company will pay out for injuries and property damage.

The law uses comparative fault in situations where both drivers have some responsibility for the accident.

Here’s an example of how comparative fault works. You’re driving along and hear a text message notification on your phone, which you quickly check. As you look down at your phone, a driver runs a red light and pulls out in front of you. Because you looked at your phone and were distracted, you share some responsibility for the accident, although likely a smaller percentage.

The fault is determined in percentages, and the amount you can recover for the accident is reduced by a percentage of the fault you carry. Let’s say you are found 10 percent at fault in the scenario above, and the other driver 90 percent.

If the damage to your car is $2,000, you will be able to recover 90 percent of that amount, or $1,800.

Seat Belt and Car Seat Laws

Seat belt use is required by law in Georgia. All passengers age 18 and over must use a seat belt in the front seat, and passengers age eight through 17 must use seat belts in all seats.

Passengers under the age of eight and under 57 inches in height are subject to Georgia’s car seat laws. They must always be secured in an approved child safety seat.

While Georgia doesn’t have laws on the books regarding keeping children rear-facing, the American Academy of Pediatrics has published guidelines recommending that children remain rear-facing for as long as possible.

Georgia law allows passengers in cargo areas of pickup trucks when they are not on an interstate or are over the age of 18. Passengers under the age of 18 can ride only in covered cargo areas.

Keep Right and Move Over Laws

If you are moving slower than other traffic around you, even if you are going the speed limit, you must move over into the right lane to let faster traffic pass.

This is known as the “Slowpoke Law”.

As AAA notes, Georgia is also one of the many states with a law that requires you to slow down and/or move over (when safe and possible) for stopped emergency vehicles. The law also applies to utility and road maintenance vehicles.

Speed Limits

Georgia’s speed limit is 70 mph on all interstates, both rural and urban.

The speed limit drops to 65 mph on other limited access roads and all other roads.

Always obey posted speed limits, especially in construction areas where lower speed limits are posted.

Ridesharing

Georgia law requires all rideshare companies to provide $1 million in liability coverage for their drivers from the time a ride is accepted until the passenger leaves the vehicle.

When you’re driving for a rideshare company, you will need to cover yourself outside of that time period. Personal insurance policies are not designed for the liability risks of rideshare driving. There is a gap in coverage that occurs when you turn on that rideshare app but haven’t yet accepted a ride.

Several Georgia insurance companies offer an endorsement to provide coverage during that period. These include:

• State Farm
• USAA
• Geico
• Allstate
• American Family
• Ethio-American
• Farmers
• Mercury
• Alfa

Automation on the Road

Automated vehicles are the next big thing, and states have been creating laws in recent years to govern their use.

In Georgia, autonomous vehicles are legal on the road, although according to the IIHS, liability insurance is required. A licensed operator may or may not be required depending on the level of automation.

Safety Laws

These last few laws are safety law designed to make sure all drivers are responsible and in control behind the wheel at all times.

DUI Laws

Georgia takes driving under the influence very seriously. All DUIs will result in a mandatory license suspension, and the penalties are more severe with each repeat offense.

Marijuana-Impaired Driving Laws

Georgia has a zero tolerance law for marijuana-impaired driving.

If any level of THC or metabolites are found in your system you will be charged with impaired driving and face the same consequences as a DUI.

Distracted Driving Laws

Using your cell phone while driving is illegal in Georgia.

The state has both a handheld cell phone use and texting while driving ban in place.

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Driving in Georgia

There are always some dangers on the road in any state, whether from speeding or drunk drivers or the risk of leaving your car in a parking lot where it might be targeted by thieves.

You probably hear a lot of media reports and anecdotes about what the dangers are on the road, but how can you know what you should really be concerned about and what’s being sensationalized?

Below you will find a breakdown of what driving in Georgia really looks like.

We’ll take a look at theft statistics, traffic fatalities, and traffic on the state’s roads with solid statistics and pertinent details.

Vehicle Theft in Georgia

There are few feelings worse than finding an empty space where you parked your car.

26,482 vehicles were stolen in Georgia in 2015.

Here’s a list of the top ten most stolen make and model, and the most commonly stolen model year for each.

The FBI collects data on motor vehicle thefts in each state. The table below shows how many vehicles were stolen in each city in 2017, according to the FBI’s statistics.

Road Fatalities in Georgia

In 2017, a total of 1, 570 people lost their lives in traffic accidents in Georgia.

A lot of different factors contribute to the risk of a fatal accident; we’ll take a look at those risks here. The data below is provided by the National Highway Traffic Safety Administration (NHTSA).

Fatal Crashes By Weather Condition and Light Condition

Poor visibility and other dangerous conditions on the road can contribute to the likelihood of an accident.

The numbers show that about half of fatal crashes occurred in normal weather conditions and during daylight hours. A good portion of crashes, however, also happened in dark conditions.

Fatalities By County

Search the table below to see the number of fatal crashes by county across Georgia.

Fatalities Rural Vs. Urban

More fatal crashes happened in urban areas in 2017 than in rural areas.

966 urban fatalities occurred versus a total of 573 rural fatalities.

Fatalities By Person Type

The data below shows that the majority of fatalities involved the occupants of vehicles.

Fatalities By Crash Type

This data shows several common types of crashes.

Most fatalities involved single-vehicle crashes, and roadway departures were a factor in more than half of crashes.

Five-Year Trend For The Top 10 Counties

While the general trend has been towards increased fatality numbers, a few counties saw a decrease from 2016 to 2017.

Fatalities Involving Speed By County

Speeding is one of the most common bad driving habits, and unfortunately, it’s often a factor in crashes.

This table shows the number of speeding fatalities in 2017 by county.

Fatalities Involving Drunk Driving By County

Unfortunately, strict DUI laws don’t deter everyone, and every year people pay for that decision with their lives.

Here are the drunk driving fatality numbers by county for 2017.

Teen Drinking and Driving

Georgia generally compares favorably with other states in terms of teen drinking and driving statistics. Fatality rates are below the national average.

Here’s a look at the statistics.

EMS Response Time

Below are the average EMS response times for both urban and rural fatal crashes.

Transportation

How do Georgians get around and what does their daily commute look like? Here’s some detailed information on commute times, traffic, and transportation.

Car Ownership

There are more two-car households in Georgia than any other number, with more than 40 percent of homes owning two vehicles. That’s slightly below the national average.

Georgians come in a little above the national average in the five-plus cars category.

Commute Time

The average commute time in Georgia is 27.1 minutes, which is above the national average of 25.5 minutes.

Georgia is below the national average, however, for all commute times of more than 30 minutes.

Commuter Transportation

The majority of Georgians drive alone to work in their own car. 78.7 percent, in fact, which is a little above the national average.

Traffic Congestion in Georgia

The Inrix Traffic Scorecard ranks Atlanta as the 11th most congested city in the United States and 71st in the world.

In 2018, drivers spent 108 hours in congestion at a cost of $1,505 per driver.

Average speed during peak hours was 26.78 mph. At off-peak, the average speed was 42.06 mph. That’s compared to a free-flowing traffic average speed of 51.36 mph.

While that’s not great news for Atlanta drivers, there is some good news for Georgia car insurance shoppers. You can shop around and compare rates on your car insurance right now.

Enter your zip code below to get Georgia auto insurance quotes and start saving on your auto insurance.