Car, Motorcycle, and Boat Insurance
Driving should be fun. Stressing about insurance? Not so much. At Bates Insurance Group in Covington, GA, we believe auto insurance doesn’t have to feel like homework or a lecture from someone who loves fine print way too much.
We’ve been helping drivers across Georgia and South Carolina protect their vehicles since the 1970s, back when seatbelts were optional and gas was suspiciously cheap. Decades later, we’re still a full-service insurance agency, still independent, and still really good at finding coverage that fits your life and your budget.
Whether you’re commuting, cruising, hauling, riding, or floating, we help you find auto insurance coverage that keeps you protected without overpaying. And yes—we offer free insurance quotes, because paying just to talk about insurance would be rude.
Car Insurance Coverage That Actually Covers Stuff
Car insurance isn’t just about checking a box so the DMV leaves you alone. It’s about protecting yourself, your passengers, and that innocent mailbox that might jump out in front of you someday.
At Bates Insurance Group, we shop multiple insurance carriers to help drivers in Georgia and South Carolina find car insurance policies that make sense. We explain your options in plain English—no confusing jargon, no pressure, and no pretending everyone understands what “subrogation” means.
Unless you drive on one these to work you probably need coverage that will repair your car
Common Auto Insurance Coverage Options Include:
Liability Coverage
Covers damage or injuries you cause to others
Collision Coverage
Helps pay for damage to your vehicle after an accident
Comprehensive Coverage
Protects against theft, vandalism, weather, and other “life happens” moments
Uninsured / Underinsured Motorist Coverage
Because not everyone plays by the rules
Medical Payments / Personal Injury Protection
Helps with medical expenses after an accident
We’ll help you choose the right mix of coverage so you’re protected—but not paying for stuff you don’t need.
Minimum Auto Insurance Requirements
We get it—sometimes you just want to know what the law requires. Here’s a quick breakdown of minimum auto insurance requirements (and yes, we recommend more than the bare minimum if you can swing it).
Georgia Minimum Auto Insurance Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability
South Carolina Minimum Auto Insurance Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability
Uninsured motorist coverage required
Minimum coverage keeps you legal but not always protected. We’ll help you decide what level of coverage actually makes sense for your car, your driving habits, and your peace of mind.
Motorcycle Insurance for the Open-Road Crowd
Two wheels. One engine. Infinite freedom. Motorcycle insurance should protect that freedom, not restrict it.
We offer motorcycle insurance in Georgia and South Carolina that covers cruisers, sport bikes, touring bikes, and weekend toys. From liability coverage to protection for custom parts and gear, we help riders get coverage that fits how they ride.
Because road rash should stay on the pavement, not your finances.
Boat Insurance That Keeps the Fun Afloat
Boat insurance isn’t just for yacht owners with captain hats. If it floats, has a motor, or creates waves, it deserves protection.
Our boat insurance policies cover everything from fishing boats and pontoons to personal watercraft. We help boat owners protect against accidents, damage, theft, and liability, so your biggest worry stays “Did I pack enough snacks?”
Auto Insurance Without the Awkward Sales Pitch
No pressure. No scare tactics. No dramatic speeches about “what if.” We believe good insurance decisions come from understanding your options, not being rushed into them.
Whether you’re insuring a new vehicle, switching providers, adding a teen driver, or reviewing a policy that hasn’t been touched since flip phones were cool, we’re here to help.
We’ll answer your questions, crack a few jokes, and make sure you drive away with coverage you actually understand.
Ready for Better Auto Insurance?
If you’re searching for auto insurance in Georgia or South Carolina from people who know their stuff and don’t take themselves too seriously, Bates Insurance Group is ready when you are.
It’s free. It’s easy. And it might even be a little fun. Yes, even for insurance.