Cheap Auto Insurance Quotes in Milledgeville, GA, for 2023

Car Insurance in Milledgeville, GA

If you’re looking for cheap car insurance in Milledgeville, rest assured that it does exist. To find it, however, you’ll need to shop around and compare quotes from multiple insurers. Maintaining a clean driving record will also help. In fact, it can save you hundreds of dollars on your policy each year. Here’s what you need to know about cheap auto insurance in Milledgeville.

See More:

Cheap Car Insurance Georgia

Compare Car Insurance

Cheapest Car Insurance in Milledgeville, GA

Many car insurance companies serve drivers in Milledgeville. There is quite a large range when it comes to average monthly quotes, reinforcing the importance of comparison-shopping. This table shows average monthly premiums by car insurance company.

Minimum Car Insurance Requirements in Georgia

All motor vehicles operated or parked on Georgia roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Georgia^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured motorist bodily injury

• $50,000 per accident for uninsured motorist bodily injury

• $25,000 per accident for uninsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.

Milledgeville Car Insurance Rates by Driving and Accident History

If you have a clean driving record, you’ll benefit from cheap coverage^[2]. But if you have a history of speeding tickets and at-fault accidents, you might have to settle for higher car insurance rates. This table can give you an idea of how your driving and accident history may influence the cost of your auto insurance policy in Milledgeville.

See More:

High-Risk Car Insurance Georgia

DUI Car Insurance Georgia

Milledgeville Car Insurance Rates by Credit Tier

Car insurance companies are similar to lenders in that they also consider your credit. If you have excellent or good credit, they’ll assume you’ll be less likely to file claims and are therefore a lower risk than a driver with poor credit^[3]. In the table below, you can see how your credit tier influences the average monthly cost of car insurance in Milledgeville.

How to Get the Cheapest Car Insurance in Milledgeville

Are you in search of cheap auto insurance coverage in Milledgeville? If so, Insurify has you covered. This free tool will provide you with customized auto insurance quotes in minutes. All you have to do is fill out a short online form. And you don’t have to sign up or make any long-term commitments.

Drivers should also consider bundling insurance products such as auto insurance and renters insurance or homeowners insurance since many car insurance companies offer hefty discounts for this.

Frequently Asked Questions

Insurify Insights

How Milledgeville Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Milledgeville, Georgia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Milledgeville drivers measure up to their fellow motorists across Georgia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Accord

Most Popular Car in Milledgeville

#170

City with the Most Speeding Tickets Rank in Georgia

#145

City with the Most Moving Violations Rank in Georgia

#129

City with the Most DUIs Rank in Georgia

#100

City with the Most Suspended Licenses in Georgia

• Accidents in Milledgeville

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Milledgeville drivers rank 100 in the number of car accidents per driver across all cities in Georgia.

  • Rank within state: #100
  • Percent of drivers in Milledgeville with an accident: 10.4%
• DUI/DWIs in Milledgeville

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Milledgeville drivers rank 129 in the number of DUI’s per driver across all cities in Georgia.

  • Rank within state: #129
  • Percent of drivers in Milledgeville with a DUI: 1.1%
• Reckless Drivers in Milledgeville

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Georgia, Milledgeville drivers rank 169 in the number of reckless driving offenses per driver.

  • Rank within state: #169
  • Percent of drivers in Milledgeville with a reckless driving offense: 1.2%
• Rude Drivers in Milledgeville

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Georgia, Milledgeville drivers rank 177 in rude driving infractions.

  • Rank within state: #177
  • Percent of drivers in Milledgeville with a reckless driving violation: 1.4%
• Speeding in Milledgeville

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Milledgeville drivers rank 170 in the number of speeding infractions per driver.

  • Rank within state: #170
  • Percent of drivers in Milledgeville with a speeding ticket: 8.8%
• Safest Drivers in Milledgeville

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Milledgeville drivers rank 80 in clean driving records across all cities in Georgia.

  • Rank within state: #80
  • Percent of drivers in Milledgeville with clean record: 78.6%
• Hybrid/Electric Vehicle Ownership in Milledgeville

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Milledgeville drivers rank 176 in hybrid and electric vehicle ownership across all cities in Georgia.

  • Rank within state: #176
  • Percent of drivers in Milledgeville with a hybrid/electric vehicle: 0.11%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.