Cheap Gap Insurance in Georgia (Save Money With These 10 Companies in 2024)
USAA, State Farm, and Progressive are the best options for cheap gap insurance in Georgia. USAA offers rates as low as $16/month for military members. State Farm is known for outstanding customer service, and Progressive provides competitive GA gap insurance rates starting at $19/month with qualifying coverage.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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6,435 reviewsCompany Facts
Gap Insurance in Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
17,760 reviewsCompany Facts
Gap Insurance in Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
13,128 reviewsCompany Facts
Gap Insurance in Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsThe top picks for cheap gap insurance in Georgia are USAA, State Farm, and Progressive, offering a range of affordable rates and robust coverage options across various types of auto insurance.
USAA leads the pack with rates starting at $16/month, making it an excellent choice for military members seeking budget-friendly protection.
Our Top 10 Company Picks: Cheap Gap Insurance in Georgia
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $16 A++ Military Members USAA
#2 $17 B Customer Service State Farm
#3 $19 A+ Innovative Tools Progressive
#4 $20 A+ Widespread Availability Nationwide
#5 $21 A+ Infrequent Drivers Allstate
#6 $23 A Policy Options Farmers
#7 $24 A Affinity Discounts Liberty Mutual
#8 $25 A++ Industry Experience Travelers
#9 $27 A+ Small Businesses The Hartford
#10 $28 A Online Access Safeco
Explore how gap insurance providers in Georgia tailor their policies to meet drivers’ specific needs. Comparing their offerings, financial stability, and customer service helps you find the best GA gap insurance rates.
Ready to find cheaper car insurance coverage in Georgia? Enter your ZIP code above to begin.
- Gap insurance in Georgia adapts to varying vehicle values and loan terms
- USAA offers the best cheap gap insurance rates starting at $16/month
- State Farm has the best gap insurance customer service in Georgia
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#1 – USAA: Top Overall Pick
Pros
- Military Expertise: USAA offers specialized services for cheap gap insurance in Georgia, specifically catering to military families with highly competitive rates.
- Affordable Rates: Discover our USAA auto insurance review, known for providing some of the lowest premiums for gap insurance in Georgia, starting at $16 per month.
- High Customer Satisfaction: USAA receives high ratings in customer service and claims satisfaction specifically for gap insurance in Georgia.
Cons
- Limited Eligibility: Services for cheap gap insurance in Georgia are exclusive to military members and their families, and not available to the general public.
- Limited Physical Presence: Fewer local branches in Georgia might affect those preferring in-person service for their gap insurance needs.
#2 – State Farm: Best for Customer Service
Pros
- Customer Service Excellence: State Farm enhances its cheap gap insurance in Georgia with a reputation for exceptional customer service.
- Stable Premiums: Explore our State Farm auto insurance review, which offers stable and competitive rates for gap insurance, ensuring consistent budget planning for Georgia residents.
- Extensive Agent Network: A well-established agent network in Georgia, providing accessible and personalized gap insurance services.
Cons
- Not Financially Reliable: With only a B financial rating, there are more reliable Georgia gap insurance companies than State Farm.
- Generic Policy Offerings: State Farm’s standardized policies might not cater to all individual preferences for gap insurance in Georgia.
#3 – Progressive: Best Innovative Online Tools
Pros
- Innovative Coverage Options: View our Progressive auto insurance review, showcasing how Progressive offers forward-thinking and flexible coverage levels with cheap gap insurance in GA.
- Competitive Pricing: Known for competitive pricing that caters to a wide range of drivers seeking affordable gap insurance in Georgia.
- Discounts for Continuous Coverage: Provides discounts for continuous insurance coverage, benefiting long-term gap insurance customers in Georgia.
Cons
- Variable Customer Service: Customer service ratings can vary widely, impacting satisfaction with gap insurance services in Georgia.
- Complex Policy Details: The complexity of policy options and terms may challenge some Georgia residents seeking straightforward gap insurance solutions.
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#4 – Nationwide: Best for Widespread Availability
Pros
- Broad Accessibility: Nationwide offers gap insurance across Georgia, ensuring easy access for drivers throughout the state and if they ever move.
- Flexible Policy Options: Nationwide’s variety of coverage options allows customers to tailor their gap insurance needs in Georgia.
- Consistent Customer Support: See our Nationwide auto insurance review, detailing Nationwide’s consistent and reliable customer support specific to gap insurance policies in Georgia.
Cons
- Inconsistent Pricing: Premiums for gap insurance can vary significantly depending on the area and the driver’s profile in Georgia.
- Slower Claim Processing: Reports of slower claim processing times could impact gap insurance claims in time-sensitive situations.
#5 – Allstate: Best for Infrequent Drivers
Pros
- Tailored for Low Mileage: Allstate offers discounts specifically for infrequent drivers, making gap insurance more affordable for those who drive less in Georgia.
- Robust Online Tools: Delve into our Allstate auto insurance review, highlighting the strong online management tools that help Georgia drivers easily manage their gap insurance policies from home.
- Dependable Stability: Known for financial stability and robust infrastructure, Allstate ensures reliable gap insurance coverage in Georgia.
Cons
- Higher Base Rates: Tends to have higher base rates, which might not be ideal for drivers in Georgia looking for the cheapest gap insurance options.
- Limited Customization: Fewer options for customization in gap insurance policies may not fully meet diverse needs in Georgia.
#6 – Farmers: Best for Policy Options
Pros
- Wide Range of Options: In our Farmers auto insurance review, we cover how Farmers provides a diverse array of gap insurance policy choices in Georgia, catering to different needs and preferences.
- Customizable Coverage: Farmers’ extensive customization of gap insurance policies ensures a tailored fit for individual requirements in Georgia.
- Efficient Claims Process: Noted for a streamlined and efficient claims process, Farmers insurance customer satisfaction is high for gap insurance in Georgia.
Cons
- Potentially Higher Premiums: Comprehensive options may lead to higher premiums for gap insurance compared to basic coverage in Georgia.
- Complexity of Choices: The vast array of options might overwhelm new insurance buyers who are unfamiliar with gap insurance specifics in Georgia.
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#7 – Liberty Mutual: Best for Affinity Discounts
Pros
- Affinity Discounts: Liberty Mutual offers significant gap insurance discounts for members of affiliated groups or occupations in Georgia.
- Strong Local Presence: Our Liberty Mutual auto insurance review explores the personalized gap insurance support by local agents throughout Georgia.
- Flexible Payment Options: Liberty Mutual’s flexible payment plans accommodate different budgetary needs for gap insurance in Georgia.
Cons
- Variable Rates by Location: Insurance rates for gap coverage can vary widely depending on the geographic location within Georgia.
- Customer Service Inconsistencies: Some customers report inconsistencies in service, which can affect the overall experience with gap insurance in Georgia.
#8 – Travelers: Best for Industry Experience
Pros
- Decades of Experience: According to our Travelers auto insurance review, Travelers leverages extensive industry experience to offer well-rounded gap insurance policies in Georgia.
- Risk Management Expertise: Expertise in risk assessment translates into more accurately priced gap insurance offerings in Georgia.
- Comprehensive Coverage: Travelers is known for offering comprehensive coverage that can be crucial for gap insurance policyholders in Georgia.
Cons
- Premium Pricing: Comprehensive expertise and coverage often come at a higher cost for gap insurance in Georgia.
- Less Competitive on Basic Policies: Basic Georgia gap insurance policies may offer less value than those from more specialized competitors.
#9 – The Hartford: Best for Small Businesses
Pros
- Business-Focused Policies: Based on our The Hartford auto insurance review, The Hartford specializes in providing gap insurance that meets the unique needs of small businesses in Georgia.
- Bundling Discounts: The Hartford offers discounts for businesses that bundle multiple policies, reducing overall insurance costs for gap insurance in Georgia.
- Reputation for Reliability: The Hartford maintains a strong reputation for reliability and customer trust in the business sector for gap insurance in Georgia.
Cons
- Niche Market Focus: Georgia gap insurance through The Hartford is only available to seniors with AARP memberships, which can limit access to personal and business insurance policies.
- Higher Costs for Comprehensive Plans: More comprehensive plans, while robust, can be more expensive for gap insurance in Georgia.
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#10 – Safeco: Best for Online Tools
Pros
- Advanced Online Tools: Find out in our Safeco auto insurance review how Safeco provides state-of-the-art online tools for managing gap insurance policies effectively in Georgia.
- User-Friendly Interface: The online platform is designed for ease of use, making policy management straightforward for gap insurance in Georgia.
- Innovative Coverage Solutions: Safeco offers innovative coverage options that can be customized to suit diverse gap insurance needs in Georgia.
Cons
- Dependence on Digital Management: Heavy reliance on online tools may deter customers in Georgia who prefer traditional, in-person service for their gap insurance.
- Occasional System Glitches: Reports of occasional glitches in online systems can hinder the management of gap insurance policies in Georgia.
Expert Guide to Gap Insurance Rates in Georgia
Georgia residents should compare rates and discounts from multiple companies to determine which offers the best value for their needs. This table lists the monthly premiums top companies charge for coverage gap insurance in Georgia to get you started.
Gap Insurance Monthly Rates in Georgia by Provider
| Insurance Company | Monthly Rates |
|---|---|
| $21 |
| $23 |
| $24 |
| $20 |
| $19 |
| $28 |
| $17 |
| $27 |
| $25 |
| $16 |
The cost and availability of guaranteed auto protection (gap) insurance in Georgia can vary widely depending on the specific insurance provider, your vehicle’s make and model, and the terms of your auto loan or lease. State regulations in Georgia affect coverage requirements and protections of gap insurance policies, too.
As you explore your options, consider what the benefits of auto insurance by looking for insurers with strong financial ratings, reflected in their A.M. Best rating, and customer service reputations are — it’s crucial to getting the best cheap gap insurance rates in Georgia.
Smarter Ways to Save on Georgia Gap Insurance
When navigating the world of gap insurance in Georgia, adopting a few strategic steps can help you secure the best coverage without overspending. Here’s a quick guide to making the most out of your gap insurance options:
- Bundle Your Policies: Consider combining your gap insurance with your existing auto policy. Many insurers offer discounts for bundling, which can lower your overall insurance costs.
- Compare Multiple Quotes: Don’t just settle for the first offer. Shop around and compare quotes from various providers, as different insurers may assess the risk of your vehicle differently, resulting in varying prices.
- Evaluate Your Loan or Lease Term: If you plan to pay off your vehicle loan or lease ahead of schedule, you might not need gap insurance for the entire term. Tailor your coverage duration to match your financial plans.
- Choose a Reputable Insurer: Opt for insurance companies with low complaint rates and strong financial ratings. This ensures you’ll have reliable coverage and support when you need it most.
Don’t settle for the first quote — compare prices from different providers. Also, consider how long you plan to keep your car loan or lease. You might not need gap insurance for the full term, which can help you save money on Georgia auto insurance.
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USAA to return additional $270M to members in a third dividend, bringing the total to $1.07B. Members will automatically receive a credit applied to their bill. There is no need to call and no additional action is required. Learn more at – https://t.co/f0OXtuNSZS. pic.twitter.com/VlnkR9j4xp
— USAA (@USAA) August 4, 2020
Auto insurance discounts are another easy way to lower gap insurance costs in Georgia. The table below details the various discounts offered, which can significantly reduce premiums and offer additional value to policyholders. Popular discounts range from multi-policy bundles to specific rewards for safe driving and early policy shopping.
Auto Insurance Discounts from the Top Providers for Gap in Georgia
| Insurance Company | Available Discounts |
|---|---|
| Multi-policy discount, Safe driver discount, New car discount, Anti-theft device discount, Automatic payments discount |
| Multi-policy discount, Good student discount, Safe driver discount, Pay-in-full discount, Homeowner discount |
| Multi-policy discount, Accident forgiveness discount, New car replacement discount, Military discount, Early shopper discount |
| Multi-policy discount, SmartRide discount, Safe driver discount, Paperless billing discount, Accident-free discount |
| Snapshot program discount, Multi-policy discount, Continuous coverage discount, Online quote discount, Homeowner discount |
 | Multi-policy discount, Safe driving discount, Accident prevention course discount, Anti-theft device discount, Paid-in-full discount |
| Multi-policy discount, Safe driver discount, Accident-free discount, Anti-theft device discount, Good student discount |
| AARP member discount, Multi-vehicle discount, Paid-in-full discount, Anti-theft device discount, Defensive driving course discount |
| Multi-policy discount, Safe driver discount, New car discount, Continuous insurance discount, Hybrid/electric vehicle discount |
| Multi-policy discount, Safe driver discount, Military family discount, Vehicle storage discount, Loyalty discount |
By adhering to these tips, you can confidently navigate your gap insurance options in Georgia, ensuring you secure coverage that not only meets your needs but also remains affordable.
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Final Thoughts on Gap Insurance in Georgia
When it comes to securing cheap gap insurance in Georgia, USAA, State Farm, and Progressive have the best rates and great customer service. Choosing a provider with a strong reputation and solid financial ratings ensures you get dependable service when it counts.
With 95% customer satisfaction, USAA stands out as the best choice for gap insurance in Georgia, offering unbeatable value for military families.Daniel Walker Licensed Auto Insurance Agent
A few smart moves can help you get the best coverage at an even better price. Start by bundling your gap insurance with your current home or renters policy, as many insurers offer discounts for bundling multiple policies. This not only simplifies your insurance management but can also lower your overall Georgia insurance costs.
Remember to compare different providers, consider bundling policies, and choose a reputable insurer to ensure that your Georgia gap insurance coverage is both comprehensive and cost-effective. With the right approach, you can drive with confidence, knowing you’re protected from unexpected financial burdens.
Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save on Georgia auto insurance.
Frequently Asked Questions
What is gap insurance in Georgia?
Gap insurance in Georgia is a type of coverage that pays the difference between the actual cash value of a totaled or stolen vehicle and the outstanding balance on the auto loan or lease. It’s particularly beneficial for those who owe more on their vehicle than its current market value.
What are the requirements for gap insurance in Georgia?
The primary requirement for obtaining gap insurance in Georgia is having an active auto loan or lease. Most lenders and lessors require this coverage to protect their financial interests. Additionally, gap insurance is generally recommended for vehicles that depreciate quickly.
How much does gap insurance cost in Georgia?
The cost of gap insurance in Georgia typically ranges from $1.50 to $3.50 per month when added to your auto insurance policy. The exact price can vary based on factors such as your vehicle’s value, the insurer you choose, and your overall coverage.t was made.
Who has the cheapest gap insurance in Georgia?
USAA and State Farm have the cheapest Georgia gap insurance starting at $18/month and $21/month respectively.
Does gap insurance cover theft in Georgia?
Does auto insurance cover vehicle theft? Yes, gap insurance in Georgia covers theft. If your car is stolen and not recovered, gap insurance will pay the difference between your car’s actual cash value and the remaining balance on your auto loan or lease.
What is the most gap insurance will pay in Georgia?
The maximum payout from gap insurance in Georgia usually depends on the policy limits set by your insurer. It typically covers the full gap between the actual cash value of your vehicle and the amount you owe on your loan or lease, ensuring you’re not left with a significant financial burden.
How is gap insurance calculated in Georgia?
Georgia gap insurance is calculated based on the difference between your vehicle’s actual cash value and the remaining balance on your loan or lease. The premium for gap insurance considers your car’s depreciation rate, loan terms, and the insurer’s specific pricing model.
What is the minimum coverage insurance in Georgia?
Georgia minimum coverage insurance generally includes liability, collision, and comprehensive coverage. The state’s minimum liability coverage requirements are $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage.
What does gap stand for in Georgia insurance?
GAP stands for “Guaranteed Asset Protection.” It is an insurance option that covers the difference between your car’s actual cash value and the amount you owe on your auto loan or lease if your vehicle is totaled or stolen in Georgia.
What is the Gap Program in Georgia?
The Gap Program in Georgia refers to the specific offerings of gap insurance provided by various insurers within the state. It’s designed to protect drivers who have financed or leased vehicles, ensuring they don’t end up paying out-of-pocket if their car is declared a total loss.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.