Cheap Car Insurance in Cartersville, Georgia

If you live in Georgia, you need car insurance. From collisions with deer to the growing number of accidents on congested roads, the right insurance policy will cover a range of events so you can feel confident no matter where you drive in the Peach State. Here at Southern Harvest, we make it our goal to help residents find affordable car insurance policies.

Everything You Need to Know About Auto Insurance in Georgia

Only 45 miles from Atlanta, Cartersville is a popular suburb that offers residents a mix of urban and rural neighborhoods with a range of entertainment options. From exploring art and culture at one of the city’s three museums to reveling in nature at Red Top Mountain State Park or getting your fill of shopping and dining downtown, there’s plenty to keep boredom at bay.

Despite Cartersville’s many amenities and growing population, public transportation options are minimal. Whether you battle I-75 traffic to commute to Atlanta for work or keep most of your travels on local roadways, you’ll need a car and the right car insurance policy to protect you on the road.

How Much Does Car Insurance Cost in Cartersville, GA?

Car insurance in Cartersville is surprisingly affordable in comparison to many Georgia cities, with drivers paying an average of $48 per month for liability coverage and $139 per month for full coverage.

Drivers save around $40 per month on liability and just over a hundred on full coverage, compared to the state averages of $87 per month for liability and $242 for full coverage. Cartersville’s rates are also notably less expensive than national averages of $68 per month for liability and $224 per month for full coverage.

What Types of Coverage Are Recommended for Georgia Drivers Beyond the Minimum?

Cartersville’s affordable insurance rates make it easier for drivers to choose different types of coverage beyond minimum liability. Full coverage is an excellent option for Cartersville drivers, adding collision and comprehensive coverage to pay for damages to your vehicle in many common situations, including collisions, wildlife encounters, storms, vandalism, and more.

Uninsured/underinsured motorist coverage is another non-mandatory type of coverage all drivers should consider. Depending on the amount of UM/UIM coverage you choose, your policy could pay for medical bills and property damage from an accident caused by an uninsured or underinsured driver. The policy also applies to hit-and-run incidents.

Affordable Car Insurance Rates Comparison by Cities in Georgia

Cartersville’s lower insurance rates in comparison to the state averages are a clear reflection of the differences between moderately and heavily populated areas. Car insurance rates fluctuate between cities for reasons such as high traffic volume and increased crime rates, which lead to higher claims for accidents, vandalism, or theft.

Check out our table below to compare Cartersville car insurance rates with those in other Georgia cities.

Affordable Cartersville Car Insurance Rates by Zip Code

Car insurance rates can also vary within a city due to demographic factors, including population, theft rates, vandalism rates, and claim rates. Our chart below shows minimal variance in rates across zip codes in Cartersville and in surrounding communities, indicating similarities in Cartersville driving conditions and those in nearby neighborhoods.

Low-Cost Car Insurance Rates by Age in Cartersville

While average car insurance rates in Cartersville are more affordable than those in several other Georgia cities, younger drivers are still saddled with higher insurance rates. Since drivers in their teens and 20s have significantly less experience than older drivers, they represent a higher risk to insure.

This means rates are the highest for teens and gradually decrease as drivers gain a decade or two of experience. See our table below to compare rates for drivers by age in Cartersville.

Minimum Car Insurance Requirements in Cartersville

You must have a car insurance policy that meets Georgia’s liability requirements to drive in Cartersville. The minimum limits of liability insurance required in Georgia are:

• Bodily Injury Liability: $25,000 per person and $50,000 per incident
• Property Damage Liability: $25,000 per incident

Minimum liability covers claims for injuries and property damage that you cause in an accident. However, it doesn’t pay for damage to your vehicle or injuries you sustain in an accident you cause. That’s why many drivers seek a policy with additional coverage.

What Are the Penalties for Driving Without Insurance in Cartersville, GA?

Driving without car insurance in Cartersville (and anywhere in Georgia) is a misdemeanor, punishable by strict fines and penalties. Punishment is more severe with repeat infractions, and can include:

• Fines ranging from $200-$1,000
• Reinstatement fees ranging from $60-$160
• Driver’s license and registration suspension for 60 days to six months
• Up to one year in jail

Factors Allowed in Cartersville Car Insurance Rates

Your location and your age aren’t the only factors that go into calculating your insurance coverage. Insurance professionals use information about your lifestyle, insurance coverage, vehicle, and history to determine an accurate risk profile for each driver.

A few of the factors that affect your car insurance rates in Cartersville include:

• Driving History: A driver with a history of accidents and traffic violations will pay higher rates than a driver with a clean record.
• Coverage Amount: Choosing a higher level of coverage, such as full instead of minimum liability, means you’ll pay a higher monthly premium. However, the increased coverage means you’ll pay less out of pocket in the event of an accident.
• Vehicle Type: High-performance and luxury vehicles typically cost more to insure because they either present a higher risk or require more expensive parts for repairs. Rates for newer cars are also typically higher because replacement parts are more technologically advanced and therefore, more expensive.

What’s the Best Car Insurance for Teenagers and Their Families in Cartersville, GA?

Full coverage is the best car insurance for teenagers and their families. While the prohibitive cost of $650 per month to insure a sixteen-year-old can make it tempting to settle for minimum coverage, that choice could cost you more in the long run.

Since teens have minimal experience operating a vehicle and handling roadway emergencies, they’re more likely to be involved in an accident. Without the right coverage, you could be paying thousands out of pocket for medical costs and vehicle repairs in the event of an accident.