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Georgia Auto Insurance


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Driving in Georgia Shouldn’t Be Stressful

From I-285 congestion in Atlanta to small-town roads in Duluth, Alpharetta, or Milton, accidents can happen anywhere. One mistake — or one uninsured driver — can cost you thousands. At Concierge Insurance Group, we make auto insurance simple. We compare policies from Safeco, Progressive, Nationwide, Travelers, Hanover, and more so you can drive with peace of mind.

Types of Auto Insurance in Georgia

We serve every type of driver and vehicle in Georgia:

  • Private Passenger Auto – Standard coverage for everyday drivers.
  • Non-Standard Auto – For higher-risk drivers (accidents, DUIs, young drivers).
  • Specialty Auto – Collector cars, seasonal vehicles, and unique rides.
  • Commercial Auto – Protection for business-owned vehicles and fleets.

What Does Auto Insurance Cover?

Most Georgia policies include:

  • Liability – injuries/property damage you cause.
  • Collision – repairs your car after an accident.
  • Comprehensive – theft, fire, storms, or vandalism.
  • Uninsured/Underinsured Motorist (UM/UIM) – covers you when the other driver doesn’t.
  • Medical Payments – medical bills after an accident.

💡 Umbrella Coverage Tip: Many Georgia families add umbrella liability for as little as $25 more — boosting protection beyond basic auto limits.

How Much Does Auto Insurance Cost in Georgia?

Premiums vary widely by driver, location, and vehicle. Here’s what our recent policy data shows:

Policy Type Carrier(s) Premium Range (Recent) Typical Use
Private Passenger Auto Safeco, Progressive $378 – $2,200+ Standard Georgia drivers
Non-Standard Auto Safeco, Progressive $1,800 – $2,900+ High-risk drivers
Specialty Auto Progressive $1.87 – $357 (varies) Limited, collector, or seasonal use
Commercial Auto Nationwide, Progressive $2,000+ (varies widely) Business-owned/operated vehicles


Examples from real policies: Riley👉 Georgia average premium: $2,009-2509/year — but many Concierge IG clients pay far less.

Why Georgia Drivers Choose Concierge Insurance Group

  • Local concierge service — real people, not call centers.
  • Multiple carriers compared — we shop so you don’t have to.
  • Personalized policies — built around your car, family, and budget.
  • High retention rates — our clients stay because they’re covered and confident.

How to Get Started

  1. Schedule a Free Call – talk to a local advisor.
  2. Compare Quotes – Safeco, Progressive, Nationwide & more.
  3. Drive With Confidence – knowing you’ve got the right coverage.

Frequently Asked Questions

Q: What’s the minimum coverage required in Georgia?

A: 25/50/25 liability ($25k per person, $50k per accident, $25k property).

Q: Why do premiums vary so much?

A: Driving history, credit, vehicle type, location, and coverage level all factor in.

Q: Can I lower my premium?

A: Bundle auto + home, raise deductibles, maintain a clean record, and ask about safe-driver or multi-vehicle discounts.

Next Step: Protect Your Drive

Don’t wait until an accident to find out your policy doesn’t protect you.

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