With a warm climate and lots of Southern charm, things seem to move a bit slower in Georgia. But if you're a Georgia driver with bad credit history, is finding affordable car insurance going to be stressful?
If you have bad credit, Georgia car insurers are allowed to offer you higher prices as a result. Don't worry: your credit history won't be the only factor that comes into play when determining your car insurance premiums. And ideally if you've developed a reputation as a safe driver, you might still be able to find affordable rates despite your credit score.
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
If you have bad credit, you'll probably end up paying more for car insurance—but you'll be relieved to know that credit score will only raise your rates by about 3 percent.
Georgia already has some of the highest car insurance rates in the country. For instance, the average car insurance rate for drivers with good credit is $200 higher in Georgia than the average good credit rate in North Carolina. So it's a relief to know that bad credit will only increase your rate in Georgia by an average of $11.
In Georgia, car insurance companies have the right to take a look at your credit score before determining your car insurance rate. So you'll most likely undergo a credit check as you shop for car insurance in Georgia.
But you still have options even if your credit score isn't great. A few local car insurance companies in Georgia offer affordable rates and might even advertise that they don't check credit scores. You may also look to a national insurance carrier like GEICO that has been found to offer reasonable rates for drivers with bad credit.
At $196 per month, Travelers, Mile Auto, and Amigo America provide the cheapest car insurance policies for low-credit drivers in Georgia. Be sure to look into Mercury and Bristol West if you're seeking out companies with more affordable options for high-risk drivers.
|Carrier||Avg. Monthly Cost|
|American Family Insurance||$267|
|Midvale Home & Auto||$268|
In a state that lets car insurers check your credit before offering you a car insurance rate, it's no surprise that those with excellent credit pay the least ($325 per month) while those with poor credit pay the most ($396 per month). In the middle of the pack, those with good or average credit pay very similar amounts.
|Credit Tier||Avg. Monthly Cost|
Georgia residents pay a pretty penny for car insurance on average—but how does the city you reside in affect your car insurance rates? In the major city of Atlanta, you'll be paying a whopping $433 on average if you have poor credit. On the lower end of things, Augusta residents with poor credit pay a more reasonable $261 per month
|City||Credit Tier||Avg. Monthly Cost|
Insurance prices and policies can vary significantly between companies, and a state like Georgia draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.