Find Cheap Car Insurance in Rome, GA

Rome has a long, rich history, from ancient Native American settlements to its establishment as a city in 1834. Located at the confluence of three rivers, Rome thrived as a vital center for trade and transportation, eventually becoming the county seat of Floyd County, Georgia. Today, it serves as a prominent hub for healthcare, education, and manufacturing in Northwest Georgia.

If you’re driving in Rome, it’s important to ensure you have auto insurance, as required by the Peach State. When it comes to finding the best and most affordable coverage that suits your needs, turn to Acceptance Insurance.

Regardless of your driving record, Acceptance offers cheap car insurance in Georgia tailored to your circumstances. Dive into everything you need to know about vehicle protection in the region and uncover the top discounts to ensure you’re prepared for any situation on the road.

If you live in Rome, you can expect to shell out roughly $45 a month for basic liability car insurance. That’s a great deal, especially when you consider that the national average is $52, and Georgia’s average is $86.

Thinking about stepping up to full auto coverage? You’ll likely pay around $135 monthly, which is lower than Georgia’s average of $245 and $33 less than the national average of $168.

What Does it Mean if Georgia Is an At-Fault State?

Under Georgia’s at-fault state rule, if two drivers are in a collision, the driver deemed responsible for the accident is obliged to cover the damages incurred by the other driver. This spares the victim from dealing with the hassle of filing a claim with their own insurance provider.

To comply with the state’s minimum standards, it is essential to have proper vehicle protection that includes coverage for bodily injury and property damage.

Car insurance costs in Rome may vary compared to what residents in the nearby bustling cities encounter, mainly due to factors like weather conditions, accident frequency, and car vandalism rates. Take a look at the chart below to compare the average monthly premiums in different cities throughout Georgia:

Compare Car Insurance Rates by Zip Code in Rome

Your living area can have a considerable effect on the price of your policy. If your neighborhood is notorious for heavy traffic, car thefts, and frequent accidents, you may end up paying higher premiums. The connection is evident – lively and risky areas pose a greater danger, resulting in higher costs. Look at the chart below to compare the average monthly premiums categorized by postal codes in Rome:

Low-Cost Car Insurance Rates by Age in Rome

Securing car insurance for teenagers can really hit the wallet for both the youngsters and their families. As drivers inch towards their 30s, the expenses usually start to taper off, until they hit around 65, when insurers might view them as riskier once more. Check out the table below for a breakdown of monthly coverage costs across various age brackets in Rome.

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

How Many Accidents Happen Per Year in Rome, Georgia?

According to information from the Georgia Department of Transportation, Rome experiences a high number of car accidents annually. This not only poses a safety concern for all road users but can also have an effect on your insurance rates.

Between 2019 and 2023, there were 11,508 reported collisions in Rome, with 31 of them being fatal crashes leading to 34 fatalities. To stay off the list of these statistics, it’s smart to begin embracing safer driving practices, such as steering clear of distractions while driving.

Are Road Infrastructure and Bridges in Rome Well Maintained?

The city of Rome is currently implementing a range of improvement projects in partnership with Floyd County to address crucial infrastructure issues. In 2025, these initiatives will involve the resurfacing of 75 miles of existing roads, the replacement or repair of four deficient bridges, and the enhancement of sidewalk, curb, and gutter infrastructure in the Riverside and Lindale communities.

Looking ahead to 2026, plans include expanding the hydraulic system along Highway 411 in Rome and extending the sewer system for the city’s business district.

If you’re getting ready to hit the road in Georgia, it’s important to make sure you’ve got the right coverage. Here’s a rundown of the minimum auto insurance limits you’ll need in the Peach State:

• Coverage for bodily injury per person: $25,000
• Coverage for bodily injury per accident: $50,000
• Coverage for property damage per accident: $25,000

And remember, if you’re financing your car, your lender might ask for collision and comprehensive coverage on top of the basic liability policy.

Georgia comes in seventh place in the nation for its high number of uninsured drivers, but the state is taking a stand against this issue. If you’re caught driving without car insurance in the Peach State, you could face some serious consequences:

• A possible prison sentence of up to one year may be imposed
• An initial fine of $25, with an additional $160 if not paid within 30 days
• License suspension for a period of 60 to 90 days
• Your vehicle may be impounded

You can also expect to pay fees to reinstate your license and penalties for any gaps in coverage. In more serious cases involving accidents that cause injury or death, you might face felony charges, which could lead to significant fines or even imprisonment.

When determining auto insurance costs in Georgia, a variety of factors are taken into consideration. As outlined in this guide, some of these elements include age and location, but carriers also take into account:

• Coverage Level: The scope of coverage you opt for will also play a role in determining the overall expense of your policy.
• Credit Score: If your credit score isn’t great, you might end up paying higher rates.
• Driving Record: Past driving infractions on your record could result in increased premiums.
• Marital Status: Married drivers in the Peach State could potentially save around $110 per year on their coverage.
• Safety Features: The safety features installed in your vehicle may lead to discounts on your plan.

Navigating the roads in Georgia offers a unique blend of city bustle and scenic drives, but it’s not all smooth sailing. Bustling cities like Atlanta and Savannah often grapple with heavy traffic, particularly during peak hours. Additionally, Georgia’s ever-changing weather, from sudden storms to occasional icy conditions in winter, can pose challenges for drivers.

Regarding Rome, ongoing area improvements could potentially lead to increased traffic and road closures. To tackle these potential hurdles, planning your routes ahead of time, staying updated on local traffic advisories, and adopting a cautious driving approach are key.

Looking to be more budget-conscious with your plan while still maintaining the same level of protection? Here’s a helpful tip: Taking advantage of auto insurance discounts can be a smart way to reduce your expenses.

In Rome, residents have access to a variety of discounts, such as:

And, if you bundle your auto policy with renters insurance or other plans, you could see your total bill decrease by up to 15%!