What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

What happens if an uninsured driver hits you in Georgia?

Georgia does not require UM coverage but roughly 12 percent of Georgia drivers carry no insurance.

What happens if a Georgia crash costs more than my liability limits?

Your insurer pays up to your liability limit and stops. The remaining balance becomes a personal debt collectible through a court judgment.

What should I do if my car is towed to a shop I did not choose?

In Georgia, you have the right to choose where your vehicle is repaired. If it was towed to a facility you did not select, you can request a second tow to your preferred shop, though you may be responsible for additional tow costs.

What does a telematics app actually track?

Mileage, speed, braking and acceleration, time of day, and phone handling while the car moves. Carriers weight the factors differently, and the program terms disclose what is collected and how it is used.

Auto FAQs

How does adding a teen driver affect my Georgia auto insurance?

All FAQs

Quick answer: Adding a licensed teen driver to a Georgia auto policy typically increases premium 50 to 150 percent depending on the carrier and the teen's record.

Adding a teen driver to your Georgia auto insurance will raise your premium, often substantially, because teen drivers are statistically far more likely to be in a crash. It is common to see a household premium climb by 50 to 100 percent or more when a newly licensed 16-year-old joins the policy.

Why does adding a teen driver raise auto insurance rates so much?

Insurers price on risk, and inexperience behind the wheel is one of the strongest predictors of claims. A new driver has no track record, so the rate reflects the group average until your teen builds a clean history. The increase is temporary, eases as the teen gains experience, and there are real ways to soften it.

For example, a Georgia family paying $1,800 a year to insure two parents and two cars adds their 16-year-old son to the policy. The premium rises to roughly $3,200 a year, an increase of about $1,400. After three years of clean driving and a defensive driving course, that added cost drops closer to $900 as he moves out of the highest-risk band.

What discounts help reduce the cost of insuring a teen driver in Georgia?

Several options can keep the increase manageable:

Good student discount. Many insurers reduce the rate for a teen who maintains a B average or better.
Defensive driving or driver training course. Completing an approved course can earn a discount in Georgia.
Assign the teen to the lower-value car. Rating your teen on an older, less expensive vehicle costs less than putting them on a new SUV.
Raising the deductible. A higher deductible lowers premium, as long as you keep enough savings to cover it.
Telematics programs. Usage-based programs that monitor safe driving can reward a careful teen with lower rates.

Does adding a teen driver create liability gaps the household should address?

Adding a young, inexperienced driver increases the chance of a serious at-fault crash. Standard liability limits that were adequate for two experienced adult drivers may fall short when a teen is behind the wheel. An umbrella policy adds a layer of liability protection above what your auto policy pays, typically starting at $1 million in additional coverage.

For example, a teen driver causes a serious accident injuring three people. The household auto policy carries $100,000 per person and $300,000 per occurrence in liability limits. If the damages total $600,000, the household is responsible for the $300,000 that exceeds the policy limit. An umbrella policy covers that gap.

When does the teen driver surcharge start to come down?

Most insurers begin adjusting rates as a young driver builds a clean record. By age 25, with no accidents or violations, a driver typically moves out of the highest-risk pricing tier. Maintaining continuous coverage, avoiding claims, and keeping a clean license are the main factors that move rates down over time. Some carriers re-rate annually based on driving history, so a good year on the road can translate to a lower bill at renewal.

How do you shop for the best rate with a teen on the policy?

Rates vary significantly across carriers for households with teen drivers. Some insurers are more competitive for this risk than others, and the gap between the most and least expensive quotes can be several hundred dollars a year. Our auto insurance page covers the basics on Georgia coverage requirements, and a free coverage review will shop your coverage across carriers and apply every discount your teen qualifies for.