Cheap Car Insurance in East Point, GA

If you plan to drive in Georgia, you need insurance. However, car insurance in Georgia does more than just ensure you’re road legal. The right policy gives you the peace of mind of knowing you’ll be covered when something crosses your path. At Southern Harvest, we help drivers find insurance that fits their needs and helps everyone stay a little safer on the road.

Everything You Need to Know About Auto Insurance in Georgia

Only minutes from downtown Atlanta, East Point offers residents a slower pace and suburban living with all the amenities of the big city. With a growing population, cultural and recreational opportunities, and a vibrant community, there’s something here for everyone to enjoy.

Whether you’re attending a downtown festival, getting creative inspiration at Windmill Arts Center, or spending a tranquil afternoon at Jefferson Park, attentive focus while on the roadways is vital. Proximity to Atlanta means traffic congestion can ramp up unexpectedly, and tree-lined roads in serene neighborhoods often serve as crosswalks for turkeys and deer.

When commuting to work in Atlanta or taking a trip downtown to visit your favorite restaurant, having the right car insurance in Georgia is your ticket to protecting yourself from unexpected expenses after a roadway mishap. The right policy ensures that whether your trails are regularly frequented by turkeys or traffic, you’ll be prepared for what’s around the next curve.

How Much Does Car Insurance Cost in East Point, Georgia?

Drivers in East Point pay an average of $69 for minimum liability coverage. While this is right on par with the national average of $67, motorists save $15 per month compared to the state average of $84.

Full coverage in East Point costs an average of $183. This is $55 cheaper than the state average of $238 per month and $40 less expensive than the national monthly average of $223.

What Does It Mean That Georgia Is an At-Fault State?

Georgia’s status as an at-fault state means the driver responsible for an accident will pay for all covered damages. Fault is determined based on evidence from police reports, witness statements, photos from the scene, and other sources.

Since settlement amounts depend heavily on the determination of fault, insurance companies will go to great lengths to prove fault. Many Georgia drivers opt for insurance policies with higher liability limits and uninsured/underinsured motorist coverage to avoid incurring out-of-pocket expenses for damages.

Affordable Car Insurance Rates Comparison by Cities in Georgia

The city you live in can substantially impact your car insurance premiums. While insurance in East Point is cheaper than the state average, premiums are more expensive than those in some rural areas with less traffic and fewer claims.

Check out the chart below to compare differences in car insurance costs in East Point and other Georgia cities.

Affordable East Point Car Insurance Rates by Zip Code

Demographic factors affecting insurance premiums can also vary from one neighborhood to the next within larger cities. The most common factors that drive up costs in specific locations include population, accident frequency, vandalism, vehicle theft rates, and claim frequency.

The chart below compares the cost of insurance in East Point with the cost of premiums in surrounding zip codes.

Low-Cost Car Insurance Rates by Age in East Point

A driver’s age plays a major role in calculating the risk they represent as a driver. Since younger drivers have less experience on the road, they are less accustomed to critical skills like following distance and reaction time, making them more likely to be involved in an accident.

For this reason, rates for younger drivers are typically much more expensive than those for motorists in their thirties and forties. Check out the table below to compare insurance costs for drivers of different ages in East Point.

Minimum Car Insurance Requirements in East Point

All East Point drivers are required to carry an insurance policy that meets Georgia’s state requirements for liability. To meet Georgia’s state minimum liability requirements, you must have:

• Bodily injury liability coverage of $25,000 per person
• Bodily injury liability coverage of $50,000 per accident
• Property damage liability coverage of $25,000 per incident

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

Failure to show proof of insurance is a misdemeanor and can be punishable by fines, license suspension, and even jail time under some circumstances. Penalties range in severity based on the number of offenses and include the following.

• Fines and reinstatement fees: $25 lapse fee and reinstatement fees ranging from $60-$160
• Revoked driving privileges: Driver’s license and registration suspensions from 60 days to six months
• Imprisonment: Up to one year in jail time

Factors Allowed in East Point Car Insurance Rates

Insurance professionals underwrite each car insurance policy based on specific risk factors. Many personal and external factors are used to create a risk profile, including:

• Age: Younger drivers are less experienced and represent a higher risk. As a result, they can expect much higher premiums than older drivers.
• Location: Where you live in East Point can affect your rates because some areas experience higher rates of crime, traffic congestion, and accidents.
• Marital status: Since married couples often share driving responsibilities, they generally file fewer claims individually. This gives them a slightly lower risk profile.

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

Distracted driving isn’t just dangerous. It’s against the law in Georgia. As in most states, it’s illegal to be on the phone while driving. Georgia’s hands-free law makes it illegal to even hold the phone or keep it propped on your knee. In other words, you can’t answer texts at a red light or look at your phone unless parked.

Another Georgia code tackles distracted driving by prohibiting the use of headphones or headsets unless they’re used for communication purposes. Violations of these laws can lead to fines and even points on your license.