Auto Insurance

Local coverage. Real people. Smarter options.
Hembree Insurance Agency helps Georgia drivers get the right protection at the right price. Whether you’re commuting on I-75, shuttling kids around West Cobb, or heading into Atlanta for work, we make sure you’re covered — without paying for things you don’t need.

Why Work With a Local, Independent Agency?

Big “one-brand” carriers can only sell their own policies. As an independent agency, we compare top companies — like Nationwide, Auto-Owners, Progressive, Travelers, Safeco and more — to find the best fit for your budget, vehicles, and driving habits. One stop. Multiple quotes. Real guidance.

What Your Auto Policy Can Include

Liability (Required in GA) – For injuries and property damage you’re legally responsible for
Comprehensive – Non-collision damage (theft, hail, falling trees, vandalism, fire)
Collision – Your car’s repairs after an at-fault accident
Uninsured/Underinsured Motorist (UM/UIM) – Protects you if the other driver doesn’t have enough coverage
Medical Payments (MedPay) – Helps with medical bills after an accident, regardless of fault
Roadside Assistance & Towing – Flat tires, jump starts, lockouts, and tows
Rental Reimbursement – A rental while your car is in the shop due to an accident
Gap Coverage – Covers the difference between loan/lease balance and ACV after a total loss
Custom Equipment – Extra coverage for wheels, sound systems, wraps, etc.

Pro Tip: If you’ve added a teen driver, bought a newer vehicle, or your commute changed, it’s the perfect time for a quick review.

Georgia Minimums vs. Recommended Protection

Georgia’s legal minimums are 25/50/25 (Bodily Injury $25,000 per person / $50,000 per accident, Property Damage $25,000).
For most families, we recommend higher limits (often 100/300/100 or more) plus UM/UIM — so you’re protected if the other driver isn’t.

At Hembree Insurance, we do not offer state minimum coverage. We have found that it hurts your rate in the long term. Carriers look at state minimum risks as adverse and rate that way.

Ways to Save (Without Cutting Coverage)

Bundle & Save – Combine home + auto (and umbrella) for meaningful discounts
Telematics/Usage-Based – Safe driving programs can lower rates
Multi-Car & Multi-Driver – One household, several savings opportunities
Good Driver / Claims-Free – Rewards for clean records
Good Student & Driver Training – Especially helpful for teen drivers
Vehicle Safety Features – Airbags, anti-theft, driver-assist tech

We’ll stack every discount you qualify for and show you the real net price, not just teaser rates.

Who We Serve

We’re local to Kennesaw, Marietta, Acworth, Dallas, Powder Springs, Woodstock, and across Cobb & Paulding County — with clients all over Metro Atlanta and the state of Georgia. If you live or work nearby, you’re in our neighborhood.

Quick Answers (FAQs)

How fast can I get proof of insurance?
Usually same day — often within minutes after we finalize your policy.

Can you compare multiple companies for me?
Yes. That’s the core benefit of an independent agency. We’ll shop several top carriers and explain the differences in plain English.

Do I need Uninsured/Underinsured Motorist (UM/UIM)?
We strongly recommend it. UM/UIM helps cover you if the other driver has no insurance or not enough.

Will a claim make my rate go up?
It depends on the type of claim and carrier. We’ll talk you through whether filing is wise before you proceed.

What if I add a teen driver or buy a new car?
Text or call us — we’ll update your policy and re-shop if needed to keep the price in line.

Is telematics a good idea for me?
In theory, yes. Nationwide’s ‘Smart Ride’ program cannot hurt your rate if your driving isn’t great. Though Progressive’s ‘Snapshot’ can. If you’re a safe driver – we’d recommend every time.

Do roadside assistance claims affect my rate in a negative way?
Yes and No, per our carriers – they will not hurt your current rate – BUT if we were to shop you with another carrier – they will show up as claim incidents and cause cause a surcharge in rate on a new policy.

Ready to See Smarter Options?

Talk with a local agent who knows the roads you drive. We’ll compare carriers side-by-side and tailor coverage for you.
Call Hembree Insurance Agency at 770-565-9900 or request your quote online — it’s quick, local, and no pressure.

Check out our reviews below for peace of mind!

REVIEWS