Updated: October 29, 2024
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Georgia requires drivers to have a minimum of $25,000 bodily injury liability per person, $50,000 per accident and $25,000 in property damage liability. Since Georgia follows an at-fault system, the driver responsible for an accident must cover the damage.
To drive legally, you must meet the minimum car insurance requirements. The cost of minimum coverage is about $60 per month. When looking for the cheapest car insurance in Georgia, balance cost with coverage.
Why Trust MoneyGeek? We analyzed Quadrant Information Services and the Georgia Department of Insurance data to provide the most accurate cost data for various Georgia drivers.
These rates reflect the cost of minimum coverage car insurance requirements in Georgia as of November 2024.
In Georgia, drivers must carry minimum coverage auto insurance to drive legally. The state's minimum amounts for liability coverage are as follows:
Georgia’s fault system impacts insurance premiums, as the at-fault driver in an accident must cover all damage. Insurers consider the likelihood of liability for damage in a crash, which can influence rates.
Georgia doesn’t require collision or comprehensive insurance as part of its minimum auto coverage, but lenders usually require both if you finance or lease a vehicle. Collision insurance covers accident-related damage to your car, while comprehensive covers theft and natural disasters.
Given their protection, collision and comprehensive coverages are worth considering for vehicle owners, especially those with newer or higher-value cars. Your choice depends on your financial situation and vehicle value.
What Liability Insurance Covers | What Liability Insurance Doesn't Cover |
|---|---|
Injuries to others if you're at fault in an accident | Your injuries |
Damage to another person’s property if you're at fault in an accident | Damage to your car |
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy | Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased |
Repairs for weather-related accidents or if you were hit by an animal |
The table reflects Georgia's minimum car insurance requirements, including bodily injury and property damage coverage. Remember, specific coverage details depend on your policy's terms and conditions.
Age is a key factor in determining car insurance costs. In Georgia, the age group with the highest premium for state minimum coverage is 22 to 29, primarily due to their higher risk of accidents and less driving experience.
The table below shows the average cost of minimum coverage car insurance in Georgia by age group, showing how rates vary with age.
| 22-29 | $910 | $76 |
| 30-59 | $725 | $60 |
| 60 + | $710 | $59 |
In Georgia, the most affordable options for minimum coverage insurance are:
Choose the best car insurance in Georgia that fits your budget and provides adequate coverage.
| Auto-Owners Insurance Co | $444 | $37 |
| Country Financial | $516 | $43 |
| GEICO | $581 | $48 |
| Mercury | $601 | $50 |
| Progressive | $875 | $73 |
| State Farm | $983 | $82 |
| Allstate | $1,079 | $90 |
In Georgia, optional add-on coverages include uninsured/underinsured motorist coverage, medical payments coverage, collision coverage and comprehensive coverage. These options protect against damage not covered by state minimum insurance, such as vehicle repairs or medical expenses, regardless of fault. Assessing how much car insurance you need can help you determine the usefulness of these add-ons.
Add-On Coverage | What It Covers | What It Doesn't Cover |
|---|---|---|
Uninsured/Underinsured motorist coverage | Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance | Damage to your vehicle if you're at fault or damage that exceeds policy limits |
Personal injury protection (PIP) | Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault | Vehicle damage or injuries to the other driver |
Roadside assistance | Services like towing, flat tire changes and jump-starts when your car breaks down | Cost of parts or repairs needed after the tow |
Gap insurance | Pays the difference between your car's current value and what you still owe if it's totaled or stolen | Vehicle depreciation or overdue loan payments |
Rental car reimbursement | The cost of a rental car while your vehicle is being repaired after a covered event | Fuel, insurance or other rental extras |
Collision coverage | Repairs to your car after an accident, regardless of fault | Damage due to theft, vandalism or natural disasters |
Comprehensive coverage | Repairs to non-collision damage from events like theft, fire or hail | Damage from a collision or personal injuries |
Towing and labor coverage | Towing and basic roadside assistance labor costs at the site of your vehicle's breakdown | More extensive repairs needed at a garage |
Custom parts and equipment coverage | Safeguards aftermarket enhancements like custom wheels or stereo systems | Original parts that came with your vehicle |
Accidental death coverage | Offers a payout if you or a passenger dies or experiences certain injuries in a car accident | Non-accidental death or injuries |
Classic car insurance | Agreed-upon values for your unique vehicle, tailored for vintage or collector cars | Regular use like your daily commute |
The ticket cost for driving without insurance in Georgia varies, mainly based on past offenses. Penalties are generally less severe for first-time offenders than those with previous violations, but repeat offenders can expect to face harsher consequences.
Driving without minimum coverage auto insurance is a severe violation in Georgia, emphasizing the importance of adhering to the law. Ensuring you have the required insurance keeps you compliant and protects you financially on the road.
After your car insurance policy is canceled in Georgia, seek new coverage to avoid the serious risks of driving uninsured. Consult your previous insurance agent for options or shop around for new policies from different providers. Maintain at least the state minimum car insurance coverage.
The Georgia Department of Revenue (DOR) will be notified when you lack insurance because insurance companies must report cancellations. The DOR operates a database similar to TexasSure, which helps track the insurance status of vehicles registered in the state.
If you're struggling to find coverage, Georgia has no specific state program for drivers. However, the Georgia Automobile Insurance Plan (GAAIP) is a market of last resort for high-risk drivers. Carry state minimum car insurance coverage to stay safe and legal.
Your car insurance policy in Georgia may have been canceled for a few reasons:
Find answers to your questions regarding Georgia's minimum car insurance requirements.
In Georgia, minimum coverage auto insurance requires limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability per accident. Uninsured/underinsured motorist coverage and personal injury protection aren't required.
Georgia requires minimum coverage auto insurance to ensure drivers can cover accident costs. This insurance helps pay for damage or injuries caused by motorists, protecting both policyholders and other road users. It reduces the financial burden on accident victims and supports public safety by promoting financial responsibility among drivers.
Comprehensive insurance isn't required by law in Georgia. However, it's worth considering for protection against theft or natural disasters, especially if you have a newer vehicle or are financing your car, as lenders may require it.
Driving uninsured in Georgia can lead to severe penalties. First-time offenders face fines starting at $200; repeat offenses can result in higher fines and license suspension. You’ll also need to pay a $25 lapse fee and a $60 restoration fee to reinstate your registration. To avoid these costs, keep at least the minimum required insurance coverage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
