How do auto insurance rates in your state (Georgia) compare with rates in other states? Rates are based partly on the rates of accidents, injuries, and deaths in your state. Look at your state statistics concerning highway fatalities from the National Highway Traffic Safety Administration at http://www-nrd.nhtsa.dot.gov/departments/nrd-30/ncsa/STSI/USA%20WEB%20REPORT.HTM. What minimum auto insurance must you carry by law in your state? You will find state-by-state minimum car insurance data at http://personalinsure.about.com/cs/vehicleratings/a/blautominimum.htm. What optional insurance do you carry over the minimum, and why? What do you pay for car insurance, and how can you reduce your premium?