Affordable Auto Insurance in Smyrna, Georgia and Surrounding Areas

Near Vinings, Cumberland, Mableton, and Austell

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Around 16 miles northwest of Atlanta, Smyrna has around 57,128 residents and around 80.1% of those residents own one to two cars. With an average commute time of 27 minutes, it’s important for Smyrna drivers to insure their vehicles in case of an accident. Don’t be driving dirty in Cobb County because many of the police cars are equipped with automatic tag readers.  The police know instantly if you have car or motorcycle insurance which will notify the police if you are driving uninsured. Luckily, Peachstate Insurance understands the dangers of the road and works to find you reliable insurance at affordable rates. Whether you need truck insurance, commercial auto insurance and motorcycle insurance, Peachstate finds insurance for every kind of driver.

Peachstate Insurance has been doing business in Northern Georgia for over 30 years. The Smyrna office is easily reachable by phone, email or using the website. Our agents are very familiar with the needs of those in Atlanta and North Georgia and love to save people money on their car insurance.

Is Auto Insurance Required in Smyrna, GA?


Georgia requires all drivers to carry a certain amount of liability insurance. The minimum amount of car insurance required in Georgia is:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

How Much is Auto Insurance in Smyrna, Georgia?

The average cost of car insurance in Smyrna is around $115 a month, which puts it on the higher end of the US averages.

How Much Auto Insurance Do I Need in Smyrna, Georgia?

Along with the state required insurance, drivers should consider the unique perils their city provides. In general, Georgia presents a lot of environmental risks including floods and earthquakes. Smyrna also has a higher crime rate than 68% of all other cities and towns in Georgia. It’s important to keep your vehicle protected from theft and vandalism, as well.

In general, it’s recommended that you purchase:

• Comprehensive coverage: This coverage helps protect against damage due to fires, windstorms, hail, vandalism, theft, falling tree branches and more.

Collision coverage: This coverage helps protect against damage due to a collision with another vehicle or object.

Personal injury protection (PIP): Personal injury protection provides coverage in case you and your passengers are hurt in an accident.

Uninsured/underinsured motorist: This coverage helps cover you after an accident with an uninsured motorist.

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Car insurance doesn’t have to be complicated and expensive. Peachstate works with standard and nonstandard drivers including those who need SR-22 insurance, and high risk car insurance for drivers without a license, a suspended or revoked license, drivers with a bad driving history and multiple accidents, drivers with lapses in coverage, DUIs, and new drivers to find cheap car insurance and the right amount of coverage.

Since 2005, Peachstate Insurance has provided Smyrna residents with car insurance they can trust. Find out like our many Smyrna customers why life is “So Sweet at the Peach!”

Call us at (877) 997-2478 or visit us today right down the street.

Office Phone:
678-213-1700
Fax:
678-213-1702
Address:
2517 Spring Road SE
Smyrna, GA 30080
Hours:
Mon - Fri 9AM - 5PM
Saturday 10AM - 2PM

Right Coverage. Right Price. On Your Phone Right Now.

Finding the cheapest auto insurance rates has NEVER been this fast and easy....

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Call us now
(877) 997-2478
Email us now
[email protected]

Frequently asked questions

Below are some of our frequently asked questions.  If you have any other questions or concerns, please feel free to contact us via the web, or come and visit us at a location near you.

What does auto insurance cover?

A general auto insurance policy will include: Comprehensive coverage:Comprehensive coverage provides compensation for accidents that don’t involve collision. This includes environmental damage such as hail as well as vandalism and theft. Collision coverage:Collision coverage provides compensation for accidents involving collision with another vehicle or object. Bodily injury liability:Bodily injury liability provides compensation to the other driver and their passengers if you cause an accident. Property damage liability:Property damage liability provides compensation if you damage someone else’s property while driving your vehicle. Personal injury protection:Personal injury protection provides medical compensation for you and your passengers in case of an accident no matter who is at fault. Uninsured/underinsured motorist coverage:Uninsured motorist coverage provides compensation if you’re in an accident with someone who doesn’t have insurance or doesn’t carry enough coverage.

How Does Auto Insurance Work?

When you have a wreck, you file a claim with the insurance company you have a policy with. They assess the damage and, if the accident is covered under your policy, the insurance agency offers compensation to pay for the damages or medical expenses as necessary.

Is Auto Insurance Required?

Auto insurance is required in forty-seven states they require vehicles to have some level of insurance coverage before they can even hit the road. Failure to have insurance can lead to pay a fine fine and/or jail time, not to mention suspension or revocation of your driver’s license. In most of those states, the minimum required coverage is liability coverage. To cover damage and injuries you may cause though, a handful of states require additional coverage, such as collision and comprehensive. But those are only in a hand full of states. The minimum requirement for auto insurance is liability coverage typically speaking, depending on your state. Learn more.

Can I get car insurance with bad credit?

You can still get car insurance if you have bad credit, but your premiums may be higher. Peachstate insures standard and nonstandard drivers. And we work hard to make sure you get every discount regardless of credit score.

What is the average cost for car insurance for a month (by location)?

ATL-Buford HWY: $158, ATL-Pryor Road: $91, Cartersville: $222, College Park: $160, Decatur: $1,595, Douglasville: $1,642, Jonesboro: $1,537, Lawrenceville/Snellville: $133, Macon: $137, Marietta: $117-$252, Norcross-Tucker: $124, Smyrna: $115, Stockbridge: $260 CBS46 News

Does car insurance cover theft and vandalism?

Yes, comprehensive coverage includes theft and vandalism protection.

What are some of the most common reasons for a car accident?

• Distracted Driving. This may come as a surprise, but cellphones are not the number one factor in distracted driving. It’s actually food, which accounts for 80% of all car crashes. People run through a drive thru and attempt to eat while they drive and are thus distracted from the dangers of the road. This doesn’t mean cellphones aren’t a problem, however. Cell phone usage while driving causes around 1.6 million crashes every year

Drunk Driving. DUI numbers have declined in recent years due to COVID-19 as in 2020, Georgia had 12,008 DUI convictions, but it is still the greatest risk to driving on the roads. It’s now easier to find a ride home when drunk or tipsy with services like Uber and Lyft available, but drunk driving is still a huge problem nationwide. One person dies nearly every 48 minutes due to drunk driving.

Speeding. Running late to work is a common reason why people speed. Unfortunately, speeding can lead to a loss of control of the vehicle or the inability to stop in time. Georgia is an at-fault state, meaning that if you are the cause of an accident, you’re responsible for paying the damages. That’s why it’s important to have the best car insurance to keep you covered.

Bad Weather. Rain, hail and floods make seeing the road and controlling the vehicle even harder. Unfortunately, all these environmental factors are frequent in Georgia.

Heavy Traffic. In Atlanta and all around Georgia, traffic is the main complaint among drivers. It seems obvious, but when in heavy traffic, drive safely and slowly to Stay Sweet at the Peach.

Do I need full coverage?

While full coverage isn’t legally required by the state of Georgia, it’s in your best interest to invest in the right amount of car insurance coverage to protect yourself, your passengers and your assets.Speak with an insurance agenttoday about what full coverage means for you.

Is the receipt the same thing as proof of insurance?

No.

As funny as that seems, the receipt is not the same thing as proof of insurance. It's simply a confirmation page and after we have received your payment, you will be redirected to a new page that has both your proof of insurance -- which will be a binder until it gets updated into the system -- and also a receipt as a confirmation that you purchased a policy. Learn more.

Why do auto insurance premiums increase?

Auto insurance premiums may rise due to a variety of factors. If you receive multiple traffic tickets, a DUI or cause a wreck, your premiums are likely to increase. They can also increase if you add a teen driver or an expensive car to your policy. Other reasons are out of your control, such as the frequency of car crashes in your area.

Why is auto insurance so expensive?

Many factors affect the cost of auto insurance. Auto insurance premiums vary per state, and certain parts of Georgia are unfortunately on the high side of car insurance premiums. Auto insurance rates primarily concern the likelihood of the insured filing a claim. Areas that have higher crime rates or more annual car wrecks tend to charge more for auto insurance. Georgia has a high rate of car crashes a year and its many highways pose a high risk for drivers and insurers.

When should you get auto insurance?

Before you pick up the keys, you should purchase auto insurance. Whether it’s a new car or a used car, you’ll want to be covered as soon as you get behind the wheel.

Why is auto insurance important?

Drivers face many perils. If you drive uninsured, you’re liable to legal action. If you don’t have enough coverage, you could be paying expensive medical or repair bills out of pocket.

What affects my car insurance rates?

Many factors influence how much you pay for car insurance. This includes your age, gender, credit score, driving record and more.

When should I change my auto insurance?

Auto insurance rates tend to fluctuate, as do your auto insurance needs. If you make any life changes, switch cars or become unhappy with the amount you’re paying in premiums, speak with an insurance agent about adjusting your policy.

Why is car insurance expensive in Georgia?

Georgia has a slightly higher car insurance premium average than the U.S. average. This is in part due to the state and partially due to the crime rate and amount of car accidents. Drivers in Georgia are more likely to file a car insurance claim, which makes car insurance premiums rise.

Does credit affect car insurance?

Most of the time, insurance companies do consider credit when quoting a price for auto insurance.

What auto insurance coverage should I have?

Besides carrying the state required amount of liability auto insurance, you should carry insurance to protect you and your passengers. This typically includes comprehensive, collision and personal injury protection coverage.

Can I get cheaper car insurance if I have a bad record?

Even if you have a bad driving record, there are some ways you can lower your car insurance, though it will typically still be more expensive than the average policy. Talk to an insurance agent today about ways you can save.

Are older cars cheaper to insure?

Typically, older cars are cheaper to insure, but this also depends on the type of car. “Classic” cars that have expensive parts may cost more to insure.

Can I insure my car for more than it's worth?

You can insure a car beyond its worth, but it may result in higher premiums.

Do I need auto insurance in Georgia?

Georgia, like most states, requires drivers to carry a certain amount of liability insurance in order to drive legally on the road. The minimum requirements in Georgia are: $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. These liability coverages help cover the other person if you cause an accident, but you’ll want more coverage to protect yourself in an accident, in case of environmental damage to your car (fire, vandalism, theft, etc.) or in case you have an accident with an uninsured driver.

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