Compare Georgia Car Insurance Rates [2025]

When you compare Georgia car insurance rates, you will see that the state-required minimum insurance in Georgia is much cheaper than carrying full coverage. However, full coverage provides much better protection than a minimum policy.

And if you take the time to compare insurance rates in Georgia, you can find affordable Georgia insurance for your car. Read on to learn all about getting cheap car insurance in Georgia, from auto insurance requirements to rates.

If you want to get started on finding Georgia auto insurance right away, check out our free quote comparison tool.

Cheap Georgia Car Insurance Coverage and Rates

The “Peach State” is a great place to live if you love Southern charm, friendly people, and beautiful beaches. US News & World Report ranked two Georgia cities in the top 100 places to live in the nation in 2018! But do you know what it costs to own and operate a vehicle in Georgia?

Although it might feel mundane, understanding basic things like car insurance rates and requirements can, and sometimes should impact where you decide to live. Read on to find out what we mean!

Minimum Car Insurance Requirements in Georgia

Liability auto insurance coverage pays all individuals, drivers, passengers, pedestrians, bicyclists, etc, who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes.

Georgia is an “at-fault” accident state. This means, if you are the at-fault driver during an accident, you will be held liable for any personal injury or property claims.

As such, liability insurance is required in the state of Georgia at these minimum coverage amounts:

• $25,000 – to cover Injury or death of one person in an accident you caused
• $50,000 – to cover total injuries or death of more than one person in an accident you caused
• $25,000 – to cover property damage in an accident you caused

Remember, these amounts are minimum requirements and do not cover injury, death, or damage to yourself or your own passengers! That will require additional coverage.
These minimum coverage costs also vary from state to state!

Your liability coverage does, however, kick in no matter who is driving your car, and if you are driving a rental vehicle.

Required Forms of Financial Responsibility in Georgia

Georgia law requires every driver and every owner of a vehicle to have proof of financial responsibility (proof of liability coverage) at all times.

Here are the six forms of acceptable proof of vehicle liability insurance coverage in Georgia:

1. Liability insurance policy
2. Rental agreement
3. Fleet insurance policy card
4. Bill of Sale, dated to within 30 days of the vehicles purchase date, and a valid insurance binder page issued by a Georgia licensed insurer
5. A valid Self-Insured Insurance Card/Certificate of Self-Insurance
6. Valid insurance policy information card for Georgia International Registration Plan (IRP)

Every time a motorist operates a vehicle, he or she is required to have on hand one of the above six forms proving financial responsibility.

The Georgia Department of Revenue is required, by law, to suspend or revoke vehicle registrations on any vehicles found to be driving without continuous liability coverage. You will also incur a $25 fine for a lapse in coverage. That fine jumps to an additional $160 if the lapse in coverage is not paid in 30 days.

Rates as Percentage of Income in Georgia

In 2017, the annual per capita disposable personal income in Georgia was $38,326.

Disposable personal income (DPI) is the total amount of money available for an individual to spend (or save) after their taxes have been paid.

The average annual cost of car insurance in Georgia is $1,232, which is just over 3% of the average disposable personal income.

The average Georgian has only $3,194 each month to buy food, pay bills etc. The car insurance bill alone will deduct about $100 out of that and much more for more than minimum coverage and/or car insurance for a bad driving record.

American Consumer Credit Counseling suggests saving 20 percent of every paycheck. With Georgia’s DPI, that’s a whopping $639 each month! How much are you putting aside for savings?

Average Monthly Car Insurance Rates in GA (Liability, Collision, Comprehensive)

The above chart illustrates the most recent data provided by the leading source on the matter, the National Association of Insurance Commissioners expect car insurance rates in Georgia to be significantly higher for 2018 and on.

Don’t forget: Georgia has minimum requirements for liability coverage, but experts suggest drivers purchase more than what state law requires, especially when the state is an “at-fault” state like Georgia is.

Let’s dig into some of the most popular coverage options to add to a basic auto insurance policy.

Additional Liability Coverage in Georgia

As of July 2018, two states required Medical Payments coverage (Maine and Wisconsin), two states (plus D.C.) required Uninsured Motorist coverage (Montana and Wisconsin), and 17 states required both Uninsured & Underinsured Motorist coverage.

Med Pay, Uninsured, and Underinsured Motorist coverage are all optional in Georgia, but they are still important to have. Why? In 2015 13 percent of motorists in the US were uninsured, according to the Insurance Information Institute, and 12% of motorists in Georgia. These drivers would likely go bankrupt before they could pay off bills for damage and injuries they caused in a car accident.

Georgia ranked 25th in the nation in 2015 for uninsured or underinsured drivers.

Georgia has remained pretty steady as far as loss ratio is concerned and on the higher end of how much is covered.

Add-ons, Endorsements, and Riders in Georgia

We know getting the complete coverage you need for an affordable price is your goal. Good news: there are lots of powerful but cheap extras you can add to your policy.

Here is a list of useful coverage available to you in Georgia:

• GAP insurance
• Personal Umbrella Policy (PUP)
• Rental Car Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-as-You-Go Insurance

Male vs Female Annual Car Insurance Rates in Georgia

Popular myth: men pay more for car insurance. In most states that isn’t always true and Georgia is one of them.

In Georgia, both Geico and Progressive charge females more than males who have the exact same profile and driving record.

Our researchers discovered that females in Georgia are charged as much as $50 a year more than males who are the same age and have identical backgrounds and driving records.

You can see in the interactive chart below that age stops being as much of a factor as you get older.

We’ve also collected rates from the GA Insurance Department Sites for several profiles:

One thing to remember: your coverage limits and your driving record are gonna play a major role in your costs.

Cheapest Georgia Car Insurance Rates by ZIP Code

If you end up at one of the following ZIP codes in Georgia, you will have one of the highest rates in the state.

On the other hand, moving to one of the ZIP codes below will result in a cheaper rate.

Cheapest Georgia Car Insurance Rates by City

Below, you can see which cities have the most expensive rates.

Clarkstown has the most expensive rates, followed by Redan.

Find Your Perfect Coverage: Compare Car Insurance Rates in Your City

Easily compare car insurance rates across various cities in Georgia, including Auburn, Columbus, Senoia, Augusta, Donalsonville, Social Circle, and more. Start now to find the best rates for your needs!

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Best Georgia Car Insurance Companies

With the hundreds of car insurance providers out there, it is nearly impossible to know who you can trust or when is the right time to switch (if ever!).

Let us help you figure that out!

Keep reading to get the inside scoop on who the top car insurance companies are (and why) across the Peach State.

Georgia’s Car Insurance Rates by Company

Ratings! How Georgia Car Insurance Companies Compare

Let’s dive right in with financial ratings and a look at the top ten Insurance providers in Georgia…

The 10 Largest Georgia Car Insurance Companies’ Financial Ratings

Sometimes it’s more important to know what people are saying about these companies than it is to know the financial data. You’re the customer, after all, and you need to be treated well! Read on to find out what other customer experiences have been like…

Georgia’s Car Insurance Companies with the BEST Customer Ratings

J.D. Powers and Associates in 2018 ranked Farm Bureau Insurance Tennessee the highest for customer satisfaction in the southeast! That’s a rather surprising result, seeing as how it beat out the big-name companies.

J.D. Power Business Consultant says, Cost is not the sole indicator of customer satisfaction in the auto insurance industry. Low prices may attract new customers, but it is service that keeps them.

Georgia’s Car Insurance Companies with the MOST Customer Complaints

As important as knowing which companies are satisfying to customers, though, is knowing which have disappointed.

Customer complaints are telling, and you may want to avoid car insurance companies that have a record of accruing a lot of them!

Here’s a break-out of customer complaints against the major insurance providers in Georgia:

Sometimes complaints are balanced by overall customer satisfaction, too. Be sure to account for all factors as you’re shopping around!

The 10 Largest Car Insurance Companies in Georgia

Number of Car Insurance Providers in Georgia

Commute Rates by Company in GA

Laws in Georgia

In order to keep your car insurance rates low, you have to know the laws in your state so you’re not blindsided by a fine. Don’t worry! We’re here to help.

Keep reading to learn about the laws specific to the state of Georgia.

Georgia’s Car Insurance Laws

Georgia has a number of specific laws unique to their state, so be aware (especially if you’re a new resident or just passing through!).

One such law is a ban on all hand-held devices for all drivers and a no cell phone policy for drivers under the age of 18. Georgia also enforces red-light stopping in some cities through the use of traffic cameras.

High-Risk Insurance in Georgia

Sometimes, bad things happen to you on the road and your record ends up being less-than-stellar. In Georgia, those in need of high-risk auto insurance must get an SR-22A form as SR-22 car insurance.

Read more: Compare SR-22 Car Insurance: Rates, Discounts, & Requirements [2023]

Here are some reasons Georgia drivers need an SR-22A once they’re driving privileges are reinstated:

• License suspension or revocation due to a DUI
• Being involved in an accident without insurance
• Getting labeled a negligent operator
• Having too many points on your driving record

If you’re a high-risk driver and unable to find coverage through the free market, Georgia has a provision for you (dating all the way back to 1949!). It’s called Georgia Automobile Insurance Plan.

Georgia’s Windshield and Glass Repair Laws

It’s almost a given that at some point you will end up with a cracked windshield. So does Georgia offer any legal provisions for whether or not insurers have to cover your repairs with broken windshield car insurance?

The answer is… not exactly.

In Georgia, insurance companies have the option of offering to repair your windshield with aftermarket and used parts as long as you agree. If you decline, you then agree to pay the difference in the cost of repairs to your windshield. This option usually falls under comprehensive car insurance plans.

Read More: Compare SR-22 Car Insurance: Rates, Discounts, & Requirements [2023]

The statute of Limitations in Georgia

If you get into an accident and your claim to what happened is disputed, it is important that you be informed as to what the statute of limitations laws are in your state.

Automobile Insurance Fraud in Georgia

In the state of Georgia, insurance fraud is classified as a crime (see below), and law enforcers take it very seriously!

Georgia’s Vehicle Licensing Laws

To drive a car, you have to have a license! Keep reading to find out what Georgia’s mandatory licensing laws are…

• Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due
• Within five years: Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due

Georgia is also one of a growing number of states that allows electronic proof of insurance.

Vehicle owners or leasees are required by state law to

• Maintain continuous Georgia liability insurance coverage on vehicles with active registrations.
• Immediately cancel the vehicle registration for any vehicle no longer in service
• Not drive or let anyone else drive a vehicle that does not have a valid vehicle registration and Georgia liability insurance coverage

Teen Driver Laws in Georgia

Not all teen driving regulations are the same from state to state! Here’s what you need to know in Georgia:

Once a teenager has completed the requirements for getting a driver’s license, the next step is finding teen car insurance.

License Renewal Procedures and Older Drivers in Georgia

Georgia’s license renewal procedures for the general population and older drivers are pretty straightforward. Here are some tables to help you easily see what is allowed/required!

New Residents or People Visiting Georgia

New to Georgia? Here are a few of the things unique to the Peach State:

• Georgia doesn’t have a traditional DMV, but rather two agencies that handle motor vehicles: the Department of Driver Services (DDS) and the Department of Revenue (DOR). DDS handles things like licensing, permits, and ID cards, and DOR handles registration, taxes, and plates.
• Georgia has a move-over law which requires you to move over to emergency vehicles on the side of the road. Violation of this law is the same as a moving violation and can incur you a ticket up to $500.
• Unless you want a $150 fine, texting while driving is prohibited. In cases of emergency it can be allowed, but keep those phones away and on silent when passing through Georgia!

Georgia Rules of the Road

Whether you’re a resident or just passing through, it’s important to know the rules of the road! Take a peek at this basic rundown to make sure you are following the law…

Fault vs. No-Fault

Georgia is an at-fault state. This means you’ll be held liable for damages in an accident where you are the at-fault driver. Make sure you have a good liability policy in place to protect yourself against risks!

Impaired-driving Laws in Georgia

You should never make the decision to drink and drive, but if you do, know that Georgia DUI insurance laws have strict penalties against that behavior.

In 2017, there were 366 deaths due to alcohol-impaired driving on Georgia’s roadways, down slightly from 384 in 2016. Find stats on 2008-2017 here. Georgia also ranks 49th in the nation for the most dangerous state for drunk driving (out of 51 including the District of Columbia). That’s… not great.

You should also know that Georgia is a zero-tolerance state for THC and metabolites while driving.

Read more: What are the DUI insurance laws in Georgia?

Keep-Right Laws in Georgia

Georgia does have keep-right laws. If you are impeding faster traffic in the left lane, you are to yield to the faster traffic and move to the right.

Speed Limits in Georgia

The maximum speed limit on interstates, both rural and urban, across the state of Georgia is 70 mph. On other roads, it is 65 mph.

Child Safety Laws in Georgia

All children aged 7 and under 57 inches tall or less must be in a child restraint in the state of Georgia while riding in a moving vehicle. Over 57 inches tall, they may wear an adult safety belt. Children aged 7 and under must sit in the rear of the vehicle if a rear seat is available.

Be sure to restrain your children properly — their safety should be your first priority, but you should also be aware that Georgia imposes fines up to $50 for a first offense (increasing on repeat offenses).

Georgia also has restrictions on young people riding in cargo areas. Another thing to consider regarding children in Georgia: The Peach State tragically sees more child fatalities from heatstrokes in cars than almost any other state in the nation.

Ridesharing in Georgia

In 2017, ridesharing services like Lyft and Uber won a victory in the state of Georgia when a court upheld a law allowing them to exist and denying exclusive rights to taxi services.

But what about rideshare car insurance? What happens if your ridesharing driver gets into an accident while you’re in the vehicle?

A 2015 law passed in Georgia requires all ridesharing companies to carry a minimum of $1 million in coverage for “personal injury accident claims, property damage, and death.” So don’t worry, should the worst happen while taking an Uber or a Lyft, you’re covered!

Automation on the Roads in Georgia

What is automation on the roads? “Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human.” In other words, self-driving or autonomous vehicles (or autonomous functions in vehicles).

Obviously, this sort of technology requires careful testing and regulation, but laws will vary state-to-state. Georgia does allow for the deployment of autonomous vehicles on their roadways. Here’s what else you need to know about what is currently allowed on the roads in Georgia:

• “Georgia does not require a licensed operator for a ‘fully autonomous vehicle’ when the ‘automated driving system’ is engaged.”

• “Georgia does not require the operator to be in a ‘fully autonomous vehicle’ when the ‘automated driving system’ is engaged.”

• Autonomous vehicles in Georgia do require liability insurance.

We’re not through yet…

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These Facts Might Raise Your Eyebrow

Have you wondered why how safe is Georgia? Listen we all know there are crazy drivers on the road, but we want to keep you informed so you can avoid the crazies and protect what’s most important.

How can you beat that?

Vehicle Theft in Georgia

Here are the top ten stolen cars in the state of Georgia:

Road Danger in Georgia

The best way to stay out of danger on the roads is drive defensively and be aware of common issues in your state.

Traffic Fatalities from 2017

Here are statistics on traffic fatalities in Georgia from 2017:

Teens and Drunk Driving

Teens drunk driving is a serious problem in a lot of states, and one that each parent must take seriously.

Fatalities in Crashes Involving Speeding by County

Five-year Fatality Trends in the Top-10 Counties (2017)

EMS Response Time

Transportation

If you live in Georgia, chances are you live in a 2-car (or more!) household, drive alone to work, and spend a hefty amount of your day commuting!

With an average commute time of 26.9 minutes, Georgia ranks above the national average, and with over 70% (79.3, to be exact) of the population driving alone, that commute doesn’t exactly rank Georgia as the greenest option when it comes to carbon emissions.

Commute Time

Some Georgians even suffer through a “super commute” spending in excess of 90 minutes in the car!

If you don’t like traffic, you might want to avoid living in Atlanta, Georgia.

But if traffic doesn’t bother you, there’s plenty else to recommend Atlanta, both as a travel and a living destination.

Don’t waste another minute waiting to compare Georgia car insurance rates. Start comparison shopping car insurance rates today!

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