Cheap Car Insurance in Rome, GA

Finding cheap auto insurance that’s still reliable can feel like looking for a needle in a haystack. Luckily, that’s our specialty. We help drivers of all stripes find affordable plans, so you can secure a great rate even if you have a DUI on your record.

Rome, Georgia, may not be as world-famous as its Italian counterpart, but the city makes up for it by oozing historic Southern charm. You can find all sorts of not-so-hidden gems throughout the city, including a stunning historic district made up of homes that date back centuries. For some outdoor fun that’ll rival a day at the fair, enjoy the summer breeze at Ridge Ferry Park and pose for a photo op at the Labyrinth of Rome.

You need a vehicle that can keep up with your adventures around Rome and a reliable policy to boot. You can start saving money by comparing rates for your coverage and researching your options for auto plans. Check out our guide below to learn everything you need to know about your insurance coverage in Rome.

Rome drivers pay about $45 per month for state minimum liability coverage, which is $23 less than the average payment in Georgia and $17 less than the national average of $62.

Full coverage auto insurance in Rome is about $135 per month, which is $83 less than the state average of $218. This payment is also $80 less than the national average of $215.

Different Vehicle Options for Insurance in Rome, GA

As a driver, you know you need insurance. But did you know you can insure other types of vehicles, too? Make sure you’re fully protected by getting coverage for all of your vehicles, including:

• Recreational Vehicle insurance (Rome) — Because your RV is capable of taking on the road, certain situations can be covered by car protection. However, it’s a good idea to get specialized RV coverage to fill in the gaps. With vacation liability and roadside assistance, you’ll be able to head out on your next adventure without the extra stress of worrying about repairs.
• Boat insurance (Rome) — Who doesn’t love spending days out on the water? The only way to make them even better is by making sure you have boat coverage to protect you from collisions or weather-related damage.
• Car Insurance (Rome) — You can’t go anywhere without good, old-fashioned auto insurance for your car. Once you have your basic plan in place, explore options like comprehensive coverage and uninsured motorist protection to protect you from any unforeseen costs on the road.

What Is the Difference Between Full Coverage and the State Required Minimum in Rome?

Georgia requires every driver to get a state minimum liability policy, but you don’t have to stop there. You can choose to get full coverage to maximize your protection. If you’re taking out a loan to finance a new car, your lender may even require you to get full coverage to ensure you can pay for any repairs if you get into an accident. But what’s the difference between the two?

On a basic level, liability insurance is a plan designed to give you minimum coverage to protect your tail if you get into an accident. Think of it as a light jacket on a rainy day. It’ll keep you dry, but it might not cover everything. If you cause an accident with liability protection, your insurer will only pay for the damage you cause to the other party. You’ll have to deal with your medical bills and repairs on your own. With full coverage, you can get your repairs done, medical bills paid for, and even secure a rental car — regardless of who caused the accident.

Low-Cost Car Insurance by Zip Code in Rome

If you don’t know what to expect when obtaining a policy, you could be in for quite a surprise. Even if you think you know how much car coverage costs, you might not have the low-down on the specific price range in your area. Premiums can vary by zip code due to anything from crime rates to population sizes, so it’s important to hit the books and learn averages in your area beforehand.

*We use the following methodology to arrive at our average cost: male, age 30, state minimum liability, and full coverage of 100/300/100.

Georgia law dictates that all drivers need liability insurance to protect other drivers on the road. If you live in Rome, you’ll need:

• Coverage for $25,000 per person and $50,000 per incident for bodily injury or death
• Coverage for $25,000 in property damage per incident

Penalties for Driving Without Auto Insurance Coverage in Rome, GA

No one wants to get pulled over for any reason. But if you get stopped while driving without coverage, you’ll be madder than a wet hen when you’re faced with the legal consequences. Common penalties include:

• Paying a fine starting at $200 and up to $1,000
• Losing your driver’s license for 60 to 90 days
• Paying a $25 fee for a lapse in coverage of 10 or more days
• Having your registration suspended
• Receiving misdemeanor charges

If you live anywhere in Georgia, including Rome, any teen driver in your household will need to abide by Joshua’s Law. In 2005, a young driver named Joshua passed away in a single-driver accident. His parents worked with the government to pass legislation requiring teen drivers to take driver’s education courses, helping give them the skills to handle more challenging situations on the road.

Known as Joshua’s Law, this law also required 16- and 17-year-olds to complete supervised practice hours with an adult in the car. They also have to follow curfews when driving. There are different methods you and your teen can use to complete the driver’s education requirement, including combinations of classroom, online, and parent-taught drivers ed.

There’s so much more to your life in Rome than just your car. You need a policy to help protect your home, your business, and everything in between. Here are some of the plans to explore for different situations:

• Renters insurance gives you coverage for your belongings and additional liability protection if you live in a rental home.
• Landlord insurance provides homeowners with extra protection if they rent out a room in their home or an entire property to a tenant.
• General liability insurance is a policy meant to protect business owners if they cause any damage or injure someone during the course of business.

What Are Some Property Coverage Options Available in Rome?

There are tons of housing options throughout Rome, from mansions to mobile homes. That’s why you need coverage to match! If you want to protect your property in your hometown, start by looking for a policy that’s designed for your specific type of home.

Are you currently renting an apartment or house? You’ll want a renters policy to protect the valuables you store in your home, from furniture to appliances to everything else you love. Just bought your first condo? You’ll need a specialized condo policy that takes the unique risks and requirements of condo living into account. Of course, there’s also classic homeowners coverage designed to protect your single-family home and everything inside of it.

There’s no reason to pay more for your car policy when Velox offers a wide range of discounts. Start getting lower rates by seeing if you qualify for options such as: