Cheap Car Insurance in Redan, GA

All Georgia drivers need car insurance, but not all drivers have a policy they love. Whether you’re looking for minimum liability coverage that fits neatly into your budget or full insurance that keeps you and your passengers protected no matter what happens, Southern Harvest is here to help. Learn more about navigating Georgia insurance requirements and finding the right coverage for you.

Everything You Need to Know About Auto Insurance in Georgia

Redan, Georgia, is a small, unincorporated community that sits between US-278 and Stone Mountain. Home to around 31,000 residents, locals can easily access outdoor recreation, the Mall at Stonecrest, and plenty of parks and nature spaces.

Just 25 miles east of Atlanta along I-20 and I-285, Redan offers a balance of the charming outdoors and a short drive to the big city. Driving is a must in Redan, so all drivers need to have a car insurance policy they can trust to protect their finances in the event of a collision, bad weather, and other events.

How Much Does Car Insurance Cost in Redan, Georgia?

Redan drivers can find much lower insurance premiums than drivers across Georgia. For minimum liability coverage that meets Georgia’s legal requirements, the average Redan resident can expect to pay $74, which is slightly higher than the national average of $67 per month but lower than the state average of $84.

When it comes to full insurance policies, which also include comprehensive and collision coverage, Redan residents also see big savings at $193 a month. This is around $141 less than the national average of $334 and around $49 less than the Georgia average of $242 a month.

What Does Full vs. Minimum Mean?

There are two broad categories of car insurance that Georgia drivers can choose between. Minimum insurance is liability coverage—that is, it covers damages if you’re found liable for a car collision up to the policy amount.

Full coverage includes much more coverage. The liability amounts can be higher, and it also covers costs for damages you incur during collisions, bad weather events, collisions with deer, and other incidents through collision and comprehensive policies. Full coverage costs more, but it offers more peace of mind for many drivers.

Affordable Car Insurance Rates Comparison by Cities in Georgia

Different cities often have different insurance premium rates because there are different risks on the road, including the probability of collisions, poor or good infrastructure conditions, and rates of theft. Explore the rates of towns near Redan below:

Affordable Redan Car Insurance Rates by Zip Code

Car insurance premium averages can also vary across different zip code areas. Even within the same town, different areas may have intersections with a high frequency of accidents, poorly maintained roads, or varying illumination at night.

Compare the rates of the zip codes in and around Redan so you can get closer to the typical rates drivers pay in your area:

Low-Cost Car Insurance Rates by Age in Redan

Age can affect insurance premium rates even more than location. This is because teenage drivers, with less experience behind the wheel, often represent a much bigger risk to insurance companies and so pay more in premiums. The prices quickly decrease with experience, leveling out across most decades before slightly rising in senior years.

Below, you’ll find the average rates drivers in Redan see, categorized by age. Use these numbers to gain a much closer understanding of the rates you’ll see in a personalized quote:

Minimum Car Insurance Requirements in Redan

Georgia drivers need to have minimum liability coverage to legally drive. Liability insurance covers the damages incurred by the other party in a car collision you’re responsible for. With this coverage, you or the other driver will file a claim so they receive coverage up to your policy limit.

In Georgia, you need to have these minimum coverage limits:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per incident
• $25,000 in property liability per incident

The shorthand for this type of policy is 25/50/25.

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

Because all drivers are legally required to hold a minimum amount of coverage, being uninsured while driving is a crime (typically a misdemeanor). Your lack of insurance can be discovered in the aftermath of an accident, during a traffic stop, or if insurance records demonstrate a gap in coverage.

The penalties for driving without the required insurance are:

• Driver’s license suspension for 60 days (or greater for subsequent offenses)
• Jail time of up to 12 months
• Vehicle registration suspension
• Fines of $200 for a first offense or up to $1,000 for subsequent violations

Factors Allowed in Redan Car Insurance Rates

Redan car insurance rates take into account location and age, but insurance underwriters can consider additional factors when determining your risk and, through that, your rate. Three additional factors that insurance companies consider are:

• History of claims and accidents, as a history of frequent claims makes you a more expensive risk than having a clean driving history.
• Car make and model, as high-performance or antique vehicles are more expensive to insure than reputable, safety-focused vehicles.
• Marital status, as married individuals tend to have fewer accidents or claims than single and divorced drivers.

What’s the Best Car Insurance for Teenagers and Their Family in Redan, GA?

Teenagers have much higher premiums than other drivers because of their presumed inexperience behind the wheel. Because of this, many parents may be tempted to only get liability coverage, rather than full coverage, for teens.

However, full coverage provides much more peace of mind in the event of collisions and accidents. Families can often reduce the costs by adding their teenager to an existing policy rather than having a separate policy for the teen.