Cheap Auto Insurance Quotes in Hinesville, GA, for 2023

Car Insurance in Hinesville, GA

If you live in Hinesville, you must meet Georgia’s minimum car insurance requirements to drive legally. Since there are many insurers in the area with different coverage options and rates, it’s important to shop around and compare car insurance quotes. By doing so, you can lock in a cheap policy that may save you hundreds of dollars each year.

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Cheapest Car Insurance in Hinesville, GA

Fortunately, plenty of car insurance providers serve the Hinesville area. Below is a table that lists insurers and their average monthly quotes. As you can see, auto insurance premiums in Hinesville have quite a large range, as companies have different methods of determining rates, which is why it’s always important to compare policies before purchasing one.

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.

Hinesville Car Insurance Rates by Driving and Accident History

Each car insurance company will consider your driving record and accident history when they review your application for a policy^[2]. If you have a clean record, free of serious violations, like DUIs and at-fault accidents, you can expect cheaper car insurance than a driver with a shaky record with several offenses. This table shows that good driving leads to the lowest rates.

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High-Risk Car Insurance Georgia

DUI Car Insurance Georgia

Hinesville Car Insurance Rates by Credit Tier

When you apply for a loan or credit card, lenders and credit card issuers will look at your credit to determine your interest rate^[3]. You may be surprised to learn that some auto insurance companies will also focus on your credit. This is because a higher credit score generally means you’ll file fewer claims. Check out this table to see how your credit may impact your premium.

How to Get the Cheapest Car Insurance in Hinesville

In today’s day and age, when the cost of living is so expensive, cheap car insurance can be a lifesaver for your wallet. One of the best ways to secure that cheap rate is to compare car insurance companies side-by-side to find the best fit for you. Insurify makes this easy, providing free quotes from the top companies in your area in just a few minutes.

Drivers can also save by taking advantage of some of the many discounts that insurance companies offer. Many providers will offer reduced rates for customers who bundle their auto insurance with home insurance or renters insurance.

Frequently Asked Questions

Insurify Insights

How Hinesville 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 Hinesville, 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 Hinesville 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.

Nissan Altima

Most Popular Car in Hinesville

#23

City with the Most Speeding Tickets Rank in Georgia

#33

City with the Most Moving Violations Rank in Georgia

#109

City with the Most DUIs Rank in Georgia

#78

City with the Most Suspended Licenses in Georgia

• Accidents in Hinesville

  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. Hinesville drivers rank 117 in the number of car accidents per driver across all cities in Georgia.

  • Rank within state: #117
  • Percent of drivers in Hinesville with an accident: 10%
• DUI/DWIs in Hinesville

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hinesville drivers rank 109 in the number of DUI’s per driver across all cities in Georgia.

  • Rank within state: #109
  • Percent of drivers in Hinesville with a DUI: 1.2%
• Reckless Drivers in Hinesville

  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, Hinesville drivers rank 96 in the number of reckless driving offenses per driver.

  • Rank within state: #96
  • Percent of drivers in Hinesville with a reckless driving offense: 2%
• Rude Drivers in Hinesville

  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, Hinesville drivers rank 72 in rude driving infractions.

  • Rank within state: #72
  • Percent of drivers in Hinesville with a reckless driving violation: 2.7%
• Speeding in Hinesville

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Hinesville drivers rank 23 in the number of speeding infractions per driver.

  • Rank within state: #23
  • Percent of drivers in Hinesville with a speeding ticket: 13.1%
• Safest Drivers in Hinesville

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Hinesville drivers rank 187 in clean driving records across all cities in Georgia.

  • Rank within state: #187
  • Percent of drivers in Hinesville with clean record: 74.2%
• Hybrid/Electric Vehicle Ownership in Hinesville

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Hinesville drivers rank 116 in hybrid and electric vehicle ownership across all cities in Georgia.

  • Rank within state: #116
  • Percent of drivers in Hinesville with a hybrid/electric vehicle: 0.55%

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.