Car Insurance in Georgia
Georgia requires drivers to carry at least 25/50/25 in liability coverage. As an at-fault state, the driver who causes a crash is responsible for the other party’s injuries and property damage.
We compare quotes from carriers like
Georgia at a glance
Data as of 2023Average cost
$1,555/yr
≈ $130/mo
vs U.S. average
+21%
above the national avg of $1,282/yr
Required minimums
25/50/25
BI / BI per accident / PD ($K)
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Georgia requires drivers to carry at least 25/50/25 in liability coverage. As an at-fault state, the driver who causes a crash is responsible for the other party’s injuries and property damage.
These are minimum limits, and a serious accident can exceed them quickly. Comparing quotes across carriers is the easiest way to find an affordable policy that meets Georgia’s requirements.
Georgia minimum car insurance requirements
Georgia requires $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability. Drivers who lease or finance a vehicle are usually required by their lender to also carry collision and comprehensive coverage.
How much does car insurance cost in Georgia?
The average driver in Georgia pays $1,555 per year for auto insurance — that's 21% above the U.S. national average of $1,282/yr. Higher-than-average rates often reflect denser traffic, higher claim severity, or stricter state coverage requirements.
Georgia vs the national average
21% above the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Georgia premiums have changed since 2019
Auto insurance costs in Georgia have risen 23% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Georgia vs national average
Georgia is up 23% from $1,265 in 2019 to $1,555 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Georgia policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Georgia
Driving uninsured in Georgia can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Georgia
Rates for the same driver can vary widely between insurers in Georgia, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 28, 2026. Always confirm current minimums with your state’s Department of Insurance.
Georgia car insurance FAQs
Common questions about auto insurance in Georgia
Ready to Start Saving on Car Insurance?
Compare car insurance quotes from top carriers and find the coverage that fits your needs and budget.