Cheap Auto Insurance Quotes in Cartersville, GA, for 2023

Car Insurance in Cartersville, GA

If you’re a driver in Cartersville, car insurance is a legal requirement. As long as you explore all your options and compare car insurance companies that serve the area, you can find cheap coverage. This is particularly true if you’re a responsible driver with a clean history. Let’s take a closer look at cheap car insurance coverage in Cartersville.

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Cheap Car Insurance Georgia

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Cheapest Car Insurance in Cartersville, GA

When you look for auto insurance in Cartersville, you’ll find policies from a variety of large and small insurers with quite a large price range, so it’s essential to shop around. The table below shows average monthly quotes in the area by provider.

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.

Cartersville Car Insurance Rates by Driving and Accident History

Your driving record will have a significant impact on the premiums you receive^[2]. A clean record will open the doors to cheaper coverage. If you have a history of speeding tickets and at-fault accidents, you can expect to pay more. In the chart below, you can see how different traffic offenses impact the average monthly cost of auto insurance in Cartersville.

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High-Risk Car Insurance Georgia

DUI Car Insurance Georgia

Cartersville Car Insurance Rates by Credit Tier

Believe it or not, some car insurance companies will consider your credit when they determine your rates^[3]. If you have a good credit score, they’ll assume you’ll file fewer claims than a driver with bad credit. Therefore, it’s important to keep your credit in good shape. This chart breaks down the average monthly cost of auto insurance in Cartersville by credit tier.

How to Get the Cheapest Car Insurance in Cartersville

Fortunately, you don’t have to break the bank to meet the minimum car insurance requirements in Cartersville and the state of Georgia if you take the time to compare car insurance quotes. Insurify can make your search for a cheap auto insurance policy a breeze. Once you fill out a short online form, you’ll receive personalized car insurance quotes in minutes.

Drivers can also pile up significant savings if they bundle their auto insurance with homeowners insurance or renters insurance. There are many other discounts available to drivers at most car insurance companies, so make sure to ask your insurance agent which ones you qualify for.

Frequently Asked Questions

Insurify Insights

How Cartersville 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 Cartersville, 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 Cartersville 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 Cartersville

#135

City with the Most Speeding Tickets Rank in Georgia

#73

City with the Most Moving Violations Rank in Georgia

#18

City with the Most DUIs Rank in Georgia

#194

City with the Most Suspended Licenses in Georgia

• Accidents in Cartersville

  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. Cartersville drivers rank 14 in the number of car accidents per driver across all cities in Georgia.

  • Rank within state: #14
  • Percent of drivers in Cartersville with an accident: 13.2%
• DUI/DWIs in Cartersville

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Cartersville drivers rank 18 in the number of DUI’s per driver across all cities in Georgia.

  • Rank within state: #18
  • Percent of drivers in Cartersville with a DUI: 2.2%
• Reckless Drivers in Cartersville

  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, Cartersville drivers rank 157 in the number of reckless driving offenses per driver.

  • Rank within state: #157
  • Percent of drivers in Cartersville with a reckless driving offense: 1.4%
• Rude Drivers in Cartersville

  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, Cartersville drivers rank 136 in rude driving infractions.

  • Rank within state: #136
  • Percent of drivers in Cartersville with a reckless driving violation: 2.1%
• Speeding in Cartersville

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Cartersville drivers rank 135 in the number of speeding infractions per driver.

  • Rank within state: #135
  • Percent of drivers in Cartersville with a speeding ticket: 9.6%
• Safest Drivers in Cartersville

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Cartersville drivers rank 117 in clean driving records across all cities in Georgia.

  • Rank within state: #117
  • Percent of drivers in Cartersville with clean record: 76.9%
• Hybrid/Electric Vehicle Ownership in Cartersville

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Cartersville drivers rank 148 in hybrid and electric vehicle ownership across all cities in Georgia.

  • Rank within state: #148
  • Percent of drivers in Cartersville with a hybrid/electric vehicle: 0.42%

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.