Cheap Car Insurance in Hinesville, GA
By clicking Start Quote, I agree to the Privacy Policy and
Everything You Need to Know About Auto Insurance in Georgia
Living in Hinesville offers a slower pace of life than many busy Georgia cities. Although the city is growing, it remains a close-knit military town filled with family activities and community festivals. Whether exploring nature trails, shopping in local boutiques downtown, or spending the afternoon admiring the new exhibits at the Hinesville Area Arts Council Gallery, residents can find a range of enjoyable activities close to home.
Hinesville’s smaller population means traffic congestion is usually minimal. However, traveling during morning and evening rush hours can lead to delays, especially for those commuting to Savannah on U.S. Highway 17. Residents are largely car-dependent, making the right car insurance in Georgia policy essential for staying protected on the roads.
How Much Does Car Insurance Cost in Hinesville, Georgia
Drivers in Hinesville pay an average of $45 per month for the minimum liability insurance required by state law. It’s reasonably affordable when compared to the state average of $85 per month and the national average of $67 per month.
Hinesville drivers also save on full coverage auto insurance in comparison to the state ($242) and national ($222) averages, paying only $129 per month. These lower costs can help residents invest in additional coverages for added protection during the daily commute or when cruising closer to home.
Getting a Free Auto Insurance quote with Freeway is easy!
What Does It Mean If Georgia Is At-Fault?
Georgia is an at-fault state, which means whoever caused an accident is responsible for the costs of injuries and damages sustained by others. If more than one driver is responsible, each must pay a percentage of damages.
Insurance companies and the courts use various types of evidence to determine fault in Georgia. If you hold the highest percentage of fault, your insurance policy will pay the largest portion of damages.
Affordable Car Insurance Rates Comparison by Cities in Georgia
Insurance rates can be significantly more expensive in some Georgia cities than others, due to demographic data that suggests increased risks. For example, rates may be higher in cities with heavily trafficked roads, high vandalism rates, and frequently filed claims.
See the chart below to compare car insurance rates in Hinesville to those in other Georgia cities.
Affordable Hinesville Car Insurance Rates by Zip Code
Car insurance rates can also vary within a city. This difference is reflected in the different rates across zip codes. Since Hinesville is served by only two zip codes, our chart below compares rates for Hinesville and the surrounding zip codes.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 31313 | $129 | $45 |
| 31315 | $129 | $46 |
| 31314 | $130 | $45 |
| 31320 | $131 | $45 |
| 31321 | $130 | $39 |
| 31223 | $128 | $42 |
| 31301 | $129 | $44 |
Low-Cost Car Insurance Rates by Age in Hinesville
The impact of a driver’s age on the cost of car insurance can’t be overstated. Since teens and younger drivers lack experience behind the wheel, they’re more likely to be involved in an accident.
The rates for younger drivers reflect this extra risk and decrease annually as long as a driver’s record remains clean. Check out the table below to compare insurance rates by driver age in Hinesville.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $460 | $183 |
| 20s | $212 | $75 |
| 30s | $126 | $44 |
| 40s | $117 | $41 |
| 50s | $111 | $39 |
| 60s | $112 | $40 |
| 70s | $133 | $50 |
*We used the following methodology to arrive at our average cost: male, age 30, state minimum & full coverage. The age chart is compiled by averages for male drivers in each age group.
Driving Conditions in Hinesville
Driving in Hinesville is generally straightforward, but traffic congestion during rush hour can be an issue. Heavy traffic is common on Route 84 and the surrounding streets. SR 119 can also be crowded at times.
Drivers should be prepared to share the roads with trucks servicing the military base. Planning your route early can help you avoid delays and get to your destination on time.
How Many Fatal Accidents Happen in Hinesville?
Of 974 crashes that occurred in Hinesville in a single year, only one resulted in a fatality. However, 341 people sustained injuries in these accidents, so motorists should always have attentive driving and an effective insurance policy.
Accidents are most common in the late afternoon and evening, and extra caution is necessary at intersections and on-ramps. Veterans Pkwy intersections at I-84 and E.G. Miles Parkway are particularly dangerous, and collisions are common along the Oglethorpe Corridor due to traffic going in and out of commercial lots.
How Are the Road Infrastructure and Bridges in Hinesville?
The roads and bridges in and around Hinesville are generally well-maintained. However, recent population growth has led to several construction projects designed to address traffic congestion. Drivers should be prepared for potential delays and check for detours to plan routes effectively.
Minimum Car Insurance Requirements in Hinesville
In Hinesville and throughout Georgia, drivers are required to carry an insurance policy that meets state minimum liability requirements.
This includes:
- Bodily injury liability coverage of $25,000 per person
- Bodily injury liability coverage of $50,000 per accident
- Property damage liability coverage of $25,000
These requirements are referred to as ‘25/50/25’ in shorthand. While it isn’t required by law, many motorists also invest in additional types of coverage, including collision, comprehensive, and uninsured/underinsured motorist coverage.
What Are the Penalties for Driving Without Insurance in Hinesville, Georgia?
Driving without insurance in Hinesville is a crime, punishable by fines, registration suspension, and even jail time in some cases. Penalties for getting caught driving without proof of insurance in Georgia depend on the frequency of violations. They can include:
- Fines: Ranging from $200-$1,000
- Registration suspension: From 60 days to six months
- Jail time: Up to 12 months in jail, depending on the circumstances of the violation
- Reinstatement fees: Includes a mandatory $25 lapse fee and reinstatement fees starting at $60
- Increased insurance costs: An insurance lapse adds points to your license, which means higher insurance rates for about 3 years following the violation.
Find an office near you to help with your auto insurance
Factors Allowed in Hinesville Car Insurance Rates
Individual insurance rates for each Hinesville driver depend on various factors, including details about your location, the vehicle you drive, and your lifestyle.
Some of the factors that affect the cost of your monthly premium include:
- Location
- Age
- Make and model of your car
- Coverage limits
- Deductible amount
- Driving record
Insurance That Helps You Prepare for the Future
Georgia’s minimum insurance requirements mean that drivers must carry at least 25/50/25 liability insurance. However, liability coverage only pays for injuries and damages sustained by others in an accident you cause.
Investing in additional coverage types will help you avoid paying out of pocket for a range of costs, including your own vehicle repairs and medical expenses. For example, collision coverage pays for damages to your vehicle regardless of who causes an accident.
Comprehensive coverage pays for non-collision damages, including windshield cracks from roadway debris, damage from hitting wild animals, repairs for vandalism, and storm damage. Many drivers also choose to purchase uninsured/underinsured motorist coverage to pay for damages caused by uninsured drivers.
What Are the Best Discounts for Car Insurance in Hinesville, GA?
Despite Hinesville’s lower insurance rates, finding the coverage you need at a reasonable price can be challenging. Insurance discounts are one of the best ways any driver can reduce their car insurance costs.
Some of the discounts you may be eligible for include:
Talk to your insurance agent about which of these discounts you may be eligible for and how to use them to get the best value.
Get an Online Quote for Car Insurance in Hinesville Today!
Driving in Hinesville requires an attentive eye for wildlife on rural roadways and distracted drivers on congested highways. It also requires a solid car insurance policy that keeps you protected against the financial burdens that come with unexpected events.
Whether you’re looking for minimum coverage to meet state liability requirements or a robust policy that offers a range of coverages, Freeway Insurance can help you find the right coverage at the right price. Get started with an online quote, visit us at a local office near you, or call us at (800)777-5620.
By clicking Start Quote, I agree to the Privacy Policy and
By clicking Start Quote, I agree to the Privacy Policy and