Georgia car insurance
If you have Georgia car insurance on your mind, turn to Progressive. We'll help you understand the coverage you need and choose the type that best fits you and your budget.
What are Georgia's auto insurance requirements?
If you live in the Peach State, you're required to carry liability coverage limits of at least:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $25,000 in property damage per accident
Consider boosting your coverage beyond Georgia's minimum requirements to fully protect your assets. Discover more about auto liability coverage.
Is uninsured motorist coverage required in Georgia?
Georgia requires insurers to offer uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD) coverage with the following minimum limits:
- UMBI: $25,000 per person, $50,000 per accident
- UMPD: $25,000 with a $250, $500, or $1,000 deductible
Note: You can reject these coverages. UMBI covers medical expenses for you and your passengers if a driver hits you without insurance. UMPD pays for damage caused to your vehicle by an uninsured driver. As with liability coverage, consider higher insurance limits for these coverages to protect your family's financial well-being better. Learn more about uninsured motorist coverage.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.* Get an auto insurance quote today.
What other auto insurance coverages should I consider?
Protect your vehicle with physical damage coverage. Comprehensive car insurance coverage and auto collision coverage can pay for a totaled or damaged vehicle due to an accident or other covered incident. And if you're currently leasing or financing your car, your lender typically requires you to carry both coverages.
See all the car insurance coverages Progressive has to offer.
How much does car insurance in Georgia cost?
Using data from the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute (III) calculated the top ten most and least expensive states for auto insurance. The 2019 survey found that Georgia was the tenth most expensive state in the United States for auto insurance. The survey assumed the insured vehicles carried liability coverage, but not necessarily collision or comprehensive coverage. However, rates vary based on several factors like your ZIP code, driving record, and the limits and coverages you choose.
Learn more about the factors that influence car insurance rates.
Are discounts available with Georgia auto insurance?
Yes. Progressive provides several discounts to help you find cheap car insurance in Georgia, including:
- Paid in full
- Five-year accident-free
- Minor child
- Good student
See all car insurance discounts.
Bundle & save! One way to get cheaper car insurance in Georgia is to bundle your home and auto insurance policies with Progressive. New customers nationwide who switch and save by bundling their home and auto save over 20% on average.*