Cheap Car Insurance in Perry, Georgia
From unexpected deer crossings to unmatched traffic congestion, Georgia roads are full of surprises. Luckily, the right car insurance policy helps you prepare for these little obstacles. At Southern Harvest, we help drivers in Perry and throughout Georgia find affordable car insurance policies that protect against the many risks on the road.
Everything You Need to Know About Auto Insurance in Georgia
Nestled in the heart of Middle Georgia, Perry is a growing city that perfectly reflects everything Georgia has to offer. Perry’s downtown is a community hub where neighbors frequently gather for shopping, dining, and local events. The convenient location just off I-75 makes commuting to nearby Macon and Atlanta for work or travel a breeze.
However, the city’s position as a hub for state and federal highways can occasionally make traffic unpredictable, and rural roadways have their own surprises. Perry drivers need to stay protected behind the wheel with a car insurance policy that covers a range of risks. Whether you’re going downtown or commuting to work, a great policy will keep you safe along the way.
How Much Does Car Insurance Cost in Perry, Georgia?
The average cost of car insurance in Perry depends on the type of coverage you choose. Drivers pay an average of $43 for minimum liability coverage, saving $25 in comparison to the national average of $68, and paying only half as much as the state average of $87 per month.
Full coverage is a little more expensive, costing drivers in Perry an average of $130 per month, but it adds collision and comprehensive coverage to the policy, providing more protection. The cost of full coverage in Perry is still less expensive than the state average of $242 and the national average of $224, helping drivers get the level of coverage they need for every trip.
What Does It Mean That Georgia Is an At-Fault State?
Georgia’s status as an at-fault car insurance state means that the driver who causes an accident is responsible for paying for damages. If you cause an accident in Perry, you’re responsible for paying for all medical expenses, property repairs, and other losses.
Your liability coverage will pay for injuries and property damage sustained by others up to your coverage limits. However, it does not pay for your own injuries or fixing your car. If the other driver’s damages exceed the limits of your policy, you’ll be responsible for paying the remainder of the costs yourself.
When more than one driver is found to be at fault, any individual found less than 50% at fault can recover a portion of the damages. For example, if you were found to be 20% at fault for an accident, the other driver would have to pay 80% of your total damages from the accident.
Affordable Car Insurance Rates Comparison by Cities in Georgia
Average car insurance rates can vary significantly between Georgia cities. Rates in Perry are lower than those in more heavily populated cities like Atlanta and Macon because of risk factors like denser populations, higher crime rates, and accident frequency.
Check out our table below to compare car insurance costs in Perry to those in other Georgia cities.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Perry | $130 | $43 |
| Macon | $149 | $55 |
| Atlanta | $170 | $62 |
| Warner Robins | $141 | $50 |
| Savannah | $151 | $54 |
Affordable Perry Car Insurance Rates by Zip Code
In large cities with multiple zip codes, car insurance costs can also vary between neighborhoods.
Since Perry has only one zip code, our table below compares rates in Perry to those in surrounding areas. Reasons for different rates across neighborhoods are the same as those for varied rates across cities, including theft and vandalism rates, dangerous roads, and higher population rates.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 31069 | $130 | $43 |
| 31047 | $133 | $45 |
| 31088 | $141 | $50 |
| 31091 | $139 | $37 |
| 31093 | $139 | $50 |
| 31025 | $129 | $41 |
| 31028 | $138 | $49 |
Low-Cost Car Insurance Rates by Age in Perry
Age is one of the biggest factors in calculating insurance rates. Younger drivers with the least experience have the highest rates. These costs slowly decline before leveling off and rising again when drivers are in their sixties. See our chart below to compare insurance rates by driver age in Perry.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $457 | $173 |
| 20s | $208 | $71 |
| 30s | $127 | $42 |
| 40s | $119 | $39 |
| 50s | $111 | $37 |
| 60s | $113 | $39 |
| 70s | $132 | $48 |
*We use the following methodology to arrive at our average cost: male, age 30, state minimum liability, and full coverage of 100/300/100.
Driving Conditions in Perry
Driving conditions in Perry are affected by poorly maintained roads and occasional spikes in traffic. Many neighborhood roads in Perry are riddled with potholes that can damage vehicles and pose a serious danger to motorcyclists.
Frequently blocked storm drains on Sardis Church Road and other local roads contribute to the formation of these potholes and cause occasional flooding during heavy rains. Drivers often swerve to avoid potholes when possible or attempt to find alternate routes to avoid the worst roads.
While residents in Perry enjoy a lower level of traffic than heavily populated cities like Atlanta, the city’s position as a hub for state and federal highways can contribute to occasional traffic congestion from through traffic.
For example, heavy traffic on I-75 and I-475 is common during major travel periods like holidays. Drivers can also expect an influx of traffic during major festivals, such as the Georgia National Fair, which occurs in October and has been known to draw over 50,000 attendees.
How Many Accidents Happen in Perry?
While Perry has substantially less traffic congestion than larger cities like Atlanta and Macon, accidents occur frequently. In a single year, 666 crashes occurred in Perry, resulting in 225 injuries and one fatality. The majority of accidents occur in late afternoon and early evening, indicating increased traffic volumes as residents leave school and work.
Busy intersections are particularly dangerous, with a high volume of accidents along I-75 at Ball Street, North Perry Parkway, and SR 224. Other risky intersections include Highway 41/Macon Rd and Highway 341/Houston Lake Road.
Minimum Car Insurance Requirements in Perry
If you want to drive in Perry, you need a current car insurance policy that meets Georgia’s minimum liability insurance requirements. In Georgia, all drivers are required to have:
- Bodily liability insurance of $25,000 per person and $50,000 per accident
- Property damage liability of $25,000
However, this coverage may not be enough to cover everything you’re obligated to pay. Higher coverage amounts can reduce your risk of out-of-pocket expenses.
What Are the Penalties for Driving without Insurance in Perry, GA?
Driving without car insurance in Perry is a crime punishable by serious fines, fees, and even jail time. Penalties increase in severity with repeat offenses and may include the following:
- Fines ranging from $200-$1,000
- Driver’s license and registration suspension for 60 days to six months
- Reinstatement fees ranging from $60-$160
- Up to one year in jail
- Misdemeanor charges on your criminal record
Drivers who get caught driving without insurance can also expect car insurance rates to increase and are often required to get an SR-22 policy.
Factors Allowed in Perry Car Insurance Rates
The average insurance rate in Perry is an estimate used to give drivers an idea of what to expect. Your exact premium will depend on several personal factors that help insurers calculate your risk to insure.
Some factors used to determine your monthly premium include:
- Credit History: Insurers often use your credit score as an indicator of risk.
- Location: Drivers in urban areas often pay higher rates than those in rural areas due to increased risk of accidents, theft, and vandalism.
- Insurance History: Periods without coverage or a history of claims can increase future rates.
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What Happens If I Damage Property While Driving in Perry?
If you damage property (such as somebody’s car, a fence, or a county-owned structure) while driving in Perry, you’re responsible for paying for repairs. Property damage liability coverage will typically pay for these claims.
However, if you have only the minimum coverage of $25,000, the policy may not cover the full amount of damage you cause. If the damage exceeds the limits of your policy, the property owner can sue you for the remainder of the costs.
What Are the Best Discounts for Car Insurance in Perry, GA?
Finding an affordable car insurance policy without skimping on coverage can be a challenge, especially for younger drivers or those with a less-than-perfect driving history. Insurer discounts are a great way to reduce your premiums without changing your coverage.
Common insurance discounts in Perry include:
Get an Online Quote for Car Insurance in Perry Today!
You need insurance to drive in Perry–to abide by state laws and to avoid the unexpected financial burdens that arise if you’re involved in an accident. Whether you need coverage to meet state minimum liability requirements or full coverage that offers extra protection for your vehicle, Southern Harvest can help. Get started today with an online quote, a call to 877-831-4677, or a visit to an office near you.
