Cheap Car Insurance in Marietta, GA

Marietta, Georgia, is a vibrant city known for its Southern hospitality and rich history. As Cobb County’s seat, it dates back to the early 1800s. The city boasts six historic districts and a “Gone With the Wind” museum. Marietta is a must-visit for those who love Southern culture.

As in most states, Georgia requires current car insurance to drive safely. Motor vehicle owners and lessees are legally required to maintain continuous automobile liability insurance coverage. The cost of car insurance in Marietta involves many factors. So, whether you’re a new or experienced driver, understanding your options can help you stay protected and compliant. At Freeway Insurance, our agents will help find you cheap car insurance with flexible options.

In Marietta, full coverage auto insurance averages $3,059 annually, higher than Georgia’s $2,948 average. Minimum coverage averages $1,370 in Marietta and $1,041 statewide, above the national averages of $2,670 and $773. Rates vary based on factors like age, vehicle type, and credit score.

Why Is Vehicle Coverage So Expensive in Georgia?

Automobile insurance in Georgia is higher due to frequent vehicle accidents. According to data from the National Highway Traffic Safety Administration (NHTSA), Georgia ranks consistently high in terms of traffic fatalities and accidents, including drunk driving incidents. Insurers raise rates to offset these risks.

Georgia is also susceptible to severe weather, including tornadoes, thunderstorms, and hurricanes. Marietta boasts a humid subtropical climate, which makes it ideal for wandering around and enjoying the scenery. It can also mean that the area experiences more severe weather than other parts of the world.

Finally, Georgia is a popular place to live. It has many major cities, including Atlanta, Savannah, and Augusta. This high population density means more traffic congestion, which leads to more accidents—and, you guessed it, higher insurance premiums.

Just as Georgia is known for its beautiful gardens and winding trails, it is also known for some stormy weather. Marietta tends to be very hot and humid during the summer, with warm, balmy fall days and relatively mild winters. Marietta has a humid subtropical climate and can experience a wide range of severe weather events, including tornadoes, hurricanes, and thunderstorms with high winds and hail.

While severe weather events don’t happen every day, they can affect driving and road conditions. Drivers should always pay attention to the weather forecast and exercise caution if severe weather is expected to safeguard themselves and others on the road.

How Many Fatal Accidents Happen in Marietta?

Marietta’s population is growing, with many tourists visiting yearly. Though it has fewer fatal crashes than Atlanta or Savannah, they still occur monthly. According to data from the Fatality and Injury Reporting System Tool (FIRST) from the NHTSA, there were 29 total fatal motor vehicle crashes in 2022.

How Are the Road Infrastructure and Bridges in Marietta?

The Cobb County Transportation Department monitors and maintains bridges and roads around Marietta. During periods of inclement weather, including snow and ice, residents are encouraged to stay at home as much as possible and, if they happen to be out, to drive slowly and cautiously.

While roads and bridges are impeccably maintained, due to the city’s status as a popular tourist destination, potholes and road damage are still possible. Residents who see something on the road that could pose a hazard are encouraged to report it as quickly as possible. Always avoid potholes and drive carefully when out during an extreme weather event.

Granted, car insurance is legally required to drive in Georgia. However, there are some very real benefits to having car insurance, both for the short and long term. Car insurance gives you peace of mind, knowing that if you are involved in an accident, your vehicle is protected, and you won’t have to pay outrageous out-of-pocket costs.

Car insurance not only protects your wallet, but it helps protect others on the road. Having car insurance means that others can get compensated for accidents you might cause. It can act as a legal shield against lawsuits and other potential issues after being involved in an accident. Essentially, car insurance is protection for your future as well as your present.