Cheap Car Insurance in Suwanee, Georgia

If you plan to drive in Georgia, you need auto insurance. All vehicles on Georgia roadways are required to be registered and on an active insurance policy that meets the state minimum liability coverages. Many drivers prefer the added security of collision and comprehensive coverage. Southern Harvest can help you find a policy that fits your needs and budget.

Everything You Need to Know About Auto Insurance in Georgia

As one of Atlanta’s most popular growing metro areas, Suwanee has much to offer residents. From dining, shopping, and playing at the Suwanee Town Center to visiting one of the city’s eight parks or absorbing culture at the Suwanee Arts Center, there is no shortage of activities to enjoy.

But as with all Metro Atlanta suburbs, Suwanee is no stranger to the frustrations of traffic congestion. While access to Atlanta via I-85 simplifies the commute, Sugar Hill and Buford commuter traffic take the same route, adding to the volume on Suwanee roads.

When crowded roadways and stop-and-go traffic are an everyday occurrence, the right car insurance policy is crucial to protecting your wallet against the unexpected expenses of sharing the roads with Georgia’s many drivers.

How Much Does Car Insurance Cost in Suwanee, Georgia?

Car insurance in Suwannee costs drivers an average of $63 for minimum liability coverage and $160 for full coverage, which includes comprehensive and collision coverage.

These rates are lower than both the state ($85 for liability and $242 for full coverage) and national ($67 for liability and $222 for full coverage) averages. Drivers save up to $22 each month on liability coverage and up to $82 per month on full coverage by living and driving in Suwanee.

What Does Full vs Minimum Mean?

“Full” and “minimum” describe the amount and types of coverage on a driver’s car insurance policy. The difference is crucial because the type of coverage you have describes what a covered claim will pay.

Minimum insurance refers to the state’s required minimum liability coverage. Liability auto insurance is a type of coverage that pays for the injuries and property damage sustained by others in an accident that you caused. In other words, it only pays for the other driver’s medical costs and vehicle repairs.

Full insurance includes liability with the addition of collision and comprehensive coverage. Collision coverage pays for repairs to your vehicle after an accident, regardless of who was at fault. Comprehensive pays for damages not caused by a collision, such as when a deer crosses your path or a tree limb falls on your car.

No matter what type of coverage you choose, it’s crucial to read your policy fully to understand exactly what is covered when you file a claim.

Affordable Car Insurance Rates Comparison by Cities in Georgia

Where you live in Georgia can impact how much you pay for car insurance. Since demographic data plays a key role in identifying risk factors, certain differences in cities (such as population, vandalism rates, claim frequency, and road conditions) can lead to higher rates in some cities than in others.

See our table below to compare rates in Suwanee to those in other Georgia cities.

Affordable Suwanee Car Insurance Rates by Zip Code

Insurance costs can also vary across neighborhoods due to specific criteria that create higher risk levels. For example, high rates of vehicle theft in a localized area can lead to increased insurance costs.

Rate differences in a large city can often be seen in a zip code comparison of rates. Since Suwanee is home to only one zip code, our chart below compares the rates in Suwanee to those in surrounding zip codes.

Low Cost Car Insurance Rates by Age in Suwanee

Age is one of the biggest factors that affects an individual driver’s insurance costs. Younger drivers face higher costs because their inexperience makes them a higher risk to insure. Check out our chart below to compare the costs of insurance for Suwanee drivers by age.

Minimum Car Insurance Requirements in Suwanee

Suwanee drivers are required to meet the minimum car insurance requirements set by the state of Georgia. All drivers are required to carry an insurance policy with specific liability coverages to ensure drivers have basic financial protection in the event of an accident.

The state minimum requirements include:

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

However, many drivers decide to purchase additional coverage to protect their own car in the event they’re at fault for an accident or if there’s a non-collision event, like a storm or theft.

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

Driving without insurance in Suwanee and anywhere in Georgia is illegal, and the penalties for getting caught on the roads without proof of coverage can be substantial. The consequences for driving without insurance in Georgia can include expensive fines, registration suspension, and even jail time.

Consider these specific penalties for driving without insurance in Suwanee may include:

• Fines: $200-$1,000, depending on the circumstances and frequency of violations
• Reinstatement fees: $25-$160, depending on the length of the lapse in insurance
• Registration suspension: 60 days up to six months, depending on the frequency of violations
• Jail time: Up to 12 months, depending on the circumstances

Depending on the circumstances of your violation, additional fees may apply. Also, obtaining insurance following a lapse can also be more expensive. You may even need to file an SR-22 before you can drive legally again.

Factors Allowed in Suwanee Car Insurance Rates

Calculating car insurance rates is a complex process that determines the level of risk posed by each driver. Underwriters use several personal and external factors to develop a fair premium for each driver.

Some of the most influential factors affecting car insurance rates in Suwanee include:

• Driving history: A poor driving record with traffic violations and accidents is the fastest way to increase your insurance rates. These infractions add points to your license, which warns insurers you are a high-risk driver.
• Age: Younger drivers have less experience handling traffic and unexpected roadway situations, making them more likely to be involved in an accident. Insurance premiums for teen drivers start very high and decrease yearly.
• Coverage amount: Your policy limits directly affect the cost of your policy, driving up premiums. However, these costs can be substantially less expensive than paying out of pocket after an accident.

Here’s What You Need to Know When Driving in Georgia

Traffic congestion is a fact of life in most Georgia cities and suburbs. Luckily, seeking out alternate commute routes or taking advantage of public transportation can reduce the frustration of getting from point A to point B.

For example, Suwanee’s parallel north-south main roads (Buford Highway and Peachtree Industrial Boulevard) divert traffic from I-85, helping to ease congestion. While the nearest Marta bus lot is 13 miles from the heart of Suwanee, driving to the lot and taking a bus can be a relaxing alternative to dealing with rush-hour traffic on the way to Atlanta.