Collision Coverage in Kennesaw, GA: Do You Really Need It?

Accidents happen—even in a place as family-friendly and laid-back as Kennesaw, Georgia. Whether you’re pulling out of Publix on Cobb Parkway or navigating rainy roads near KSU, all it takes is one split second to end up with thousands of dollars in damage to your car.

That’s where collision coverage comes in.

At Hembree Insurance Agency, we help Kennesaw drivers make smart decisions about their auto insurance, and collision coverage is one of the most important choices you’ll make—especially if you want to protect your vehicle, not just stay legal.

What Is Collision Coverage, Anyway?

Collision coverage helps pay to repair or replace your vehicle if it’s damaged in a wreck—regardless of who’s at fault.

Let’s say you:

• Back into a pole

• Get rear-ended on I-75

• Slide into a ditch during one of Georgia’s surprise thunderstorms

• Hit another vehicle in a parking lot

Collision insurance steps in to help cover repairs (after your deductible), so you’re not stuck with the full cost.

Is Collision Coverage Required in Georgia?

Nope—but that doesn’t mean you don’t need it.

Georgia law only requires liability coverage, which protects the other person if you cause an accident. It does not cover your own car repairs. That means if you hit someone and don’t have collision coverage, you’re paying for your car out of pocket.

If your car is leased or financed, your lender will probably require collision (and comprehensive) coverage.

Should You Have Collision Coverage in Kennesaw?

Here’s the honest answer: it depends on your car and your budget.

You probably need it if:

✅ Your car is newer or still worth a good bit
✅ You can’t afford to pay out-of-pocket for major repairs
✅ You drive a lot or have a longer commute (more time on the road = more risk)
✅ You just want peace of mind

You might skip it if:

❌ Your car is older and not worth much
❌ The premium outweighs the value of potential repairs
❌ You have a solid emergency fund and can self-insure

Want to run the numbers? We can help you decide what makes the most sense based on your car, deductible, and risk tolerance.

How Much Does Collision Insurance Cost in Kennesaw?

It varies based on:

• Your driving history

• The value of your vehicle

• Your deductible (a higher deductible means lower premiums)

• Where you live and park your car (garage vs. street)

• Your age, credit, and more

At Hembree Insurance, we compare quotes from multiple top insurance companies to find the best rate on collision coverage that fits your situation—not just a cookie-cutter policy.

Why Trust Hembree Insurance Agency?

We’re not just another online quote engine—we’re right here in Kennesaw. Our team knows local roads, local risks, and how to make sure your policy actually protects you when it matters most.

Here’s what you get when you work with us:

✅ Real, local agents
✅ No-pressure guidance on what coverage you do (and don’t) need
✅ The ability to compare multiple companies in one call
✅ Friendly support if you ever have a claim

FAQs About Collision Coverage in Kennesaw

Q: What’s the difference between collision and comprehensive?
A: Collision covers crashes (with cars, poles, trees, etc.). Comprehensive covers non-crash stuff like theft, fire, hail, and vandalism. Most people have both.

Q: Do I need collision if the other driver caused the accident?
A: If they’re at fault and insured, their liability should pay. But if they’re underinsured, uninsured, or it’s a hit-and-run, collision coverage protects you regardless.

Q: What deductible should I choose?
A: Most people go with $500 or $1,000. A higher deductible lowers your monthly premium—but means more out-of-pocket if you file a claim. We can help you weigh your options.

Q: Will collision coverage pay for a rental car while mine is in the shop?
A: Not unless you have rental reimbursement coverage—but we can easily add that for just a few extra bucks a month.

Q: Can I drop collision coverage to save money?
A: You can—but make sure your car’s value is low enough that it’s not worth the premium. We’ll help you decide.

Get a Free Quote Today

Still unsure if you need collision coverage? Or maybe you’re just wondering if you’re paying too much for it?

Let’s take a few minutes and find out.

👉 Call Hembree Insurance Agency at 770-565-9900 or request a quote online.
We’ll break it down, compare your options, and make sure you’re covered where it counts.