Cheap Auto Insurance Quotes in Dalton, GA, for 2023

Car Insurance in Dalton, GA

If you live in Dalton, you need car insurance to drive legally. Since auto insurance rates vary greatly, it’s important to do your research and shop around. Fortunately, cheap car insurance does exist, and the best way to find it is to compare car insurance rates online.

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Cheap Car Insurance Georgia

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Cheapest Car Insurance in Dalton, GA

There are a number of car insurance companies that serve drivers in Dalton. In the table below, we’ve listed providers and their average premiums. As you can see, auto insurance rates in the city have quite a large range.

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.

Dalton Car Insurance Rates by Driving and Accident History

Your driving record and accident history play a vital role in your auto insurance premiums in Dalton^[2]. If you have a clean record, for example, you’ll pay less for car insurance than someone with multiple speeding tickets or a car accident. That’s why it’s important to practice safe driving habits when you’re cruising around in and out of Dalton. By doing so, you can save hundreds.

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High-Risk Car Insurance Georgia

DUI Car Insurance Georgia

Dalton Car Insurance Rates by Credit Tier

Just like your driving record, your credit will impact your car insurance rates^[3]. A higher credit score indicates you’re less likely to file an auto claim. A lower credit score, on the flip side, shows that you may file more claims. In most cases, excellent credit will score you lower premiums than poor credit. Here’s a look at rates by credit tier in Dalton.

How to Get the Cheapest Car Insurance in Dalton

Drivers should also keep an eye out for any discounts they might qualify, and consider bundling their auto insurance with home insurance or renters insurance. Most insurance companies offer discounts for this along with many other discounts.

Another great way to save on insurance premiums is to compare car insurance companies. Every car insurance company is different when it comes to setting premiums, so comparison gives you the best chance to find the one that is best for you. Insurify makes it easy to compare free quotes all in one place in just a few minutes.

Frequently Asked Questions

Insurify Insights

How Dalton 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 Dalton, 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 Dalton 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.

Ford F-Series Pickup

Most Popular Car in Dalton

#59

City with the Most Speeding Tickets Rank in Georgia

#78

City with the Most Moving Violations Rank in Georgia

#24

City with the Most DUIs Rank in Georgia

#33

City with the Most Suspended Licenses in Georgia

• Accidents in Dalton

  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. Dalton drivers rank 90 in the number of car accidents per driver across all cities in Georgia.

  • Rank within state: #90
  • Percent of drivers in Dalton with an accident: 10.5%
• DUI/DWIs in Dalton

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Dalton drivers rank 24 in the number of DUI’s per driver across all cities in Georgia.

  • Rank within state: #24
  • Percent of drivers in Dalton with a DUI: 2%
• Reckless Drivers in Dalton

  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, Dalton drivers rank 61 in the number of reckless driving offenses per driver.

  • Rank within state: #61
  • Percent of drivers in Dalton with a reckless driving offense: 2.2%
• Rude Drivers in Dalton

  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, Dalton drivers rank 97 in rude driving infractions.

  • Rank within state: #97
  • Percent of drivers in Dalton with a reckless driving violation: 2.5%
• Speeding in Dalton

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Dalton drivers rank 59 in the number of speeding infractions per driver.

  • Rank within state: #59
  • Percent of drivers in Dalton with a speeding ticket: 11.5%
• Safest Drivers in Dalton

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Dalton drivers rank 106 in clean driving records across all cities in Georgia.

  • Rank within state: #106
  • Percent of drivers in Dalton with clean record: 77.3%
• Hybrid/Electric Vehicle Ownership in Dalton

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Dalton drivers rank 170 in hybrid and electric vehicle ownership across all cities in Georgia.

  • Rank within state: #170
  • Percent of drivers in Dalton with a hybrid/electric vehicle: 0.19%

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.