Cheap Car Insurance in Statesboro, GA

Looking for cheap insurance when you have a DUI or other mark on your record can feel as futile as herding cats. But if you need an affordable plan that keeps you covered, you’re in luck. We help drivers of all kinds, so you can get a great deal even if you have a DUI.

When you’re exploring Statesboro, there are good times to be found around every corner. You can get a little bit of everything by exploring the downtown Market District, whether you want to shop ’til you drop or get a taste of down-home Southern cooking. It’s also easy to learn a thing or two at enriching spots like the Center for Wildlife Education and the historic Fort McAllister State Park.

But before you set out on today’s adventure, you need to make sure you’re covered. You can get coverage and start saving money by looking into the cheapest car insurance in the Statesboro area. Below, we explore the basics you need to know, from average premiums to extra ways to save.

Statesboro drivers have an average car policy premium of $41 per month for minimum liability, which is $27 less than the average Georgia payment of $68. This monthly total is also $21 less than the national average of $62.

For full coverage, residents of Statesboro pay about $134 per month, which is $84 less than the state average of $218 and $81 less than the nation’s average of $215.

Different Vehicle Options for Insurance in Statesboro, GA

Every time you get a new vehicle, you’ll want a new policy to match. Here are some of the main coverage types to explore for different kinds of cars in Statesboro:

• ATV insurance Statesboro, Georgia — Even though ATVs are on four wheels, they need more than just your standard car policy. ATV protection will keep you covered if you get into a collision or deal with other sorts of damage while you’re out riding.
• Motorcycle insurance Statesboro, Georgia — If you have a motorcycle in Georgia, you need insurance before you can ride. For basic coverage, you can start with liability protection, but you can also get a full coverage plan with all the bells and whistles to protect your bike from hit-and-runs, weather damage, and more.
• Recreational vehicle insurance Statesboro — Getting an RV is a big investment, so you’ll want to go the extra mile and get a custom protection plan for your new vacation home on wheels. Even though a classic car policy can cover some claims, like collision damage, you’ll want extra protection for the living space in your RV.

Why Is Insurance So Cheap in Statesboro?

When shopping for coverage in Statesboro, you might just be in for a nice surprise. Average rates in Statesboro are much lower than both the state and national average. Now, we all know not to look a gift horse in the mouth, but anyone would be curious about why they’re getting such a great deal.

Ultimately, there are a ton of factors that can impact the coverage risk of a particular area. Bustling, high-population cities often have more accidents than laid-back suburbs. Plus, if the cost of living in a certain area is lower, it makes sense that insurance premiums would also be on the cheaper side. Everything from property crime rates to the number of accidents in a certain zip code can influence the average cost of a policy in your area. Even though Statesboro is an urban area, it’s much more low-key, affordable, and relaxed than big metros like Atlanta and Augusta. That means fewer claims and cheaper payouts for insurers, so they can pass the savings onto you.

Low-Cost Car Insurance by Zip Code in Statesboro

Did you know your policy costs could change just by moving to the next town? Because location can impact average claim payouts, insurers look at your zip code when calculating your premium. Exploring average prices in your zip code and nearby areas will help you understand if your rate is reasonable for your neighborhood.

*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 mandates that all drivers, including drivers in Statesboro, need a basic level of insurance. Here’s a breakdown of the minimum coverage you’ll need:

• Bodily injury or death liability of at least $25,000 per person and $50,000 per accident.
• Property damage liability of at least $25,000

Penalties for Driving Without Auto Insurance Coverage in Statesboro, GA

So, what happens if you get behind the wheel without signing up for a policy? If you get caught, you’ll have plenty of consequences coming your way:

• Fines from $200 to $1,000
• Losing your driver’s license for up to three months
• A $25 fee for a lapsed policy
• Having your registration suspended or facing misdemeanor charges if you don’t restore your coverage within 30 days

Your liability-only car policy will not help you out with your own medical expenses related to an accident. A basic liability plan will only cover the other driver’s expenses. If someone hits you, you’ll have to cross your fingers and hope they have coverage to pay for your bills. Plus, even full coverage plans, which include comprehensive and collision, do not include any coverage for your injuries.

Luckily, Georgia has other options for Statesboro drivers, especially those who do not have health insurance. You can sign up for an optional MedPay plan to get extra bodily injury protection. If you get hurt in an accident, MedPay can kick in to pay for your deductible and cover costs that exceed your policy limits. Since MedPay is pretty cheap, it can be an affordable way to expand your coverage and give you extra peace of mind.

Once you have your car and other vehicles insured, you may think you’re set. But what about your home and your business? There are plans designed specifically to cover everything else you care about in Statesboro:

• Renters insurance is the plan you need if you rent a house or apartment and want to protect all of the belongings you keep in your home.
• Landlord insurance is designed for people who rent out their property, so you can get extra protection from any damage tenants cause while also reducing your legal liability for any accidents that happen on your rental property.
• Builder’s risk insurance protects your investment if something happens to your new construction while it’s still in progress, so a major accident or natural disaster won’t interfere with your investment.

What Are Some Property Coverages Available in Statesboro?

Home is where the heart is, which is why protecting your property should be your number one priority. The right policy will protect your property, whether you own multiple homes or just want protection for a few personal valuables. That can include homeowners coverage for classic single-family homes and condo insurance — you can even get a policy that’s specifically designed for mobile homes. If you rent out your home to a tenant, you can also get extra support with landlord coverage.

Renters also deserve to protect their assets, which is why renter’s insurance is a popular choice. Your renters plan will cover things like furniture, appliances, and jewelry, so you can stay on track when the unexpected happens.

Even if you already have a low rate, why not save even more? Car policy discounts can slash an extra percentage off your premiums, giving you a lower rate that results in major long-term savings: