In Georgia it ismandatory to have minimum personal liability insurance before you drive a car. There are three components of the insurance, property damage, bodily injury and personal injury. In Georgia the minimum limit is USD 20000 per person or USD 60000 to everyone involved for bodily and personal injury. Property damage limit is USD 25000 for every occurrence. The limit increases depending on other factors like age, type of car, your driving history etc.
The main reason for high car insurance cost in Georgia is people do no shop around for insurance cost. The other reason is the age factor. Male teenager pays more insurance premium because of their tendency to take more chances and risk while driving. If you own a sports car, the insurance will obviously go up. The insurance company assesses the risk and then defines the premium. Also, if you are paying your car installments, then also the premium shoots up. If you go for comprehensive insurance policy or insured motorist coverage, then the insurance cost will be much higher compared to regular insurance. Most importantly, the cost is higher because of the minimum coverage requirements.
Though you need to take the minimum coverage at least, yet there are ways to reduce your insurance cost. Most of the insurance companies offers discounts if go to renew your insurance with a good report card. Also, some insurance company gives accident forgiveness meaning even in the event of accident your rates remain the same. Also, if you take other insurance like home insurance or life insurance from the same insurance company they offer a group discount. Always do some research on discounts offered while selecting the car insurance provider.