Georgia car insurance

If you have Georgia car insurance on your mind, turn to Progressive. We'll help you understand the coverage you need, how much car insurance costs in Georgia, and what best fits you and your budget, whether you're in Atlanta, Augusta, Macon, Savannah, or somewhere in between.

3 min to read

What are Georgia's minimum auto insurance requirements?

Drivers in Georgia are required to have auto liability coverage (BI liability and PD liability ) at the following minimum car insurance limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$25,000 per accident

Georgia also requires insurers to offer uninsured/underinsured motorist (UM/UIM) coverage, with the following minimum limits, though you may reject or lower these coverages via a signed form if you don't want them:

CoverageWhat it coversMinimum amount
UM/UIM bodily injuryWhat it coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$25,000 per person
$50,000 per accident
UM/UIM property damageWhat it coversDamage to your property an uninsured or underinsured driver causesMinimum amount$25,000 with a deductible

While these are Georgia's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Georgia a no-fault state?

No, Georgia is an at-fault state, which means the party responsible in an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in GA?

For a liability-only policy from Progressive, car insurance costs an average of $157.27 per month in higher-cost states like Georgia.* And using data from the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute found that Georgia was the eighth most expensive state for auto insurance in 2020.

That said, your rate will depend on many car insurance cost factors like where you live, your driving history, and the limits and coverages you choose.

Ready to switch to Progressive? Drivers nationwide who save when they switch save nearly $750 on average. Get a car insurance quote today.

What is the best car insurance in Georgia?

Finding the best car insurance in Georgia means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Georgia get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

Looking for the cheapest car insurance in Georgia? Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 on average

How do I lower my car insurance cost in Georgia?

To get a lower car insurance cost in Georgia, you may qualify for the following Progressive discounts:

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

See all our auto insurance discounts.

Pro tip:

Bundle and save! One way to get cheaper car insurance in Georgia is to bundle your home and auto insurance. New customers who save by bundling their home and auto with Progressive save over 20% on average nationwide.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision auto coverage in addition to Georgia's mandated coverages. Comprehensive and collision pay for your totaled or damaged vehicle due to a covered incident, regardless of fault — so if you're not sure you could afford a new car or major repairs after an accident, it can make sense to add these physical damage coverages even if you don't have a car loan or lease.

Explore all our car insurance coverages, and use our car insurance calculator to find out which ones are recommended for you.

Resources for Georgia drivers

How to get car insurance in Georgia

Go online

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Call a rep

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Call 1-866-749-7436

Through an agent

Connect with an independent agent in your area.

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Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.