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Georgia Car Insurance Quotes
Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Georgia however, drivers are paying 8% less for car insurance than the national average, with Full Coverage costing Georgia drivers an average of $174 per month.
Similar to other states, the rates in Georgia can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers.
We partner with insurance experts to analyze millions of data points and get you the best car insurance in Georgia. Read on to learn more about properly insuring your car in Georgia.
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Georgia Car Insurance Laws
Georgia requires all drivers who operate vehicles on public roads or highways to carry auto liability insurance. Liability insurance helps cover the damages to others who suffer injury or property damage in an accident caused by the insured at-fault driver.
Georgia’s car insurance minimums are:
Drivers who opt for liability coverage must obtain a policy that meets Georgia’s minimum car insurance requirements, which include:
- $25,000 for bodily injury or death for a single individual
- $50,000 for bodily injury or death per accident
- $25,000 for property damage in an accident
Keep in mind that liability insurance does not cover medical costs or property damage to the insured driver. You must purchase comprehensive or collision insurance to insure yourself, your passengers, and your vehicle.
Proof of Insurance
“ Georgia does not specify a grace period for obtaining car insurance, so ensure you have a valid policy that meets state requirements. ”
Driving without insurance in Georgia may result in fines and driver's license suspension. The initial fine for an insurance lapse is $25, plus an extra $60 to reinstate the vehicle. However, reinstatement is only possible once the driver's license is suspended for at least 60 days. If the driver allows their insurance to lapse more than twice in five years, fines increase to $160.
Georgia law does not specify a grace period for obtaining car insurance after buying a new vehicle, so ensure you have a valid policy that meets state requirements before driving a newly purchased car.
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.