Are you up to date on Georgia's car 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 requirements to fully protect your assets. Discover more about auto liability insurance.

Georgia also suggests uninsured motorist bodily injury (UM BI) and uninsured motorist property damage (UM PD) coverage with the following minimum limits:

  • UM BI: $25,000 per person, $50,000 per accident
  • UM PD: $25,000 with a $250, $500, or $1,000 deductible

Note: These coverages can be rejected.

UM BI covers medical expenses for you and your passengers if you are hit by a driver without insurance. UM PD pays for damage caused to your vehicle from an uninsured driver. As with liability coverage, it's wise to choose higher limits for these coverages to better protect your family's financial well-being.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $650 on average.* Get an auto insurance quote today.

Consider adding comprehensive and collision coverage

Protect your vehicle with physical damage coverage. Comprehensive and collision can pay for a totaled or damaged vehicle as a result of an accident or other covered incident. And if you're currently leasing or financing your car, you’re typically required to carry both coverages.

See all the auto insurance coverages Progressive has to offer.

How much does car insurance in Georgia cost?

In 2017, drivers in Georgia generally spent more on auto insurance than drivers in most other states, according to the NAIC. 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 for auto insurance, including:

  • Multi-car
  • Multi-policy
  • Homeowner
  • Paid in full
  • Paperless
  • Five-year accident-free
  • Teen driver
  • Good student

See all car insurance discounts.

Facts and stats about driving in Georgia:

  1. In 2019, Georgia rocketed into the country's top five states for number of speeding tickets issued.

  2. Georgia ranked #5 for reported motor vehicle thefts in 2018. Pro tip: Comprehensive coverage can pay to replace a stolen car.

  3. In 2015, an estimated 12% of Georgia motorists were uninsured. Consider uninsured motorist coverage to protect yourself if the other driver can't pay.

How to get car insurance in Georgia


Answer some easy questions and choose coverages.

Call us

A licensed representative will answer any questions you have.

Ask an agent

Need local advice? We'll connect you with a licensed independent agent near you.