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Georgia Car Insurance Guide

Getting car insurance is time-consuming and overwhelming. At we have compiled this guide that lists the information you need to know so that you can easily get the car insurance policy that fits your personal needs - at the lowest rate.

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Georgia Minimum Car Insurance Requirements

Georgia has minimum car insurance requirements in place to operate a vehicle. These requirements are listed as 25/50/25. This means a driver must carry:

Bodily Injury Liability Coverage $25,000 per person and $50,000 per accident.
Property Damage Liability Coverage $25,000 per accident.

Bodily injury liability coverage will cover medical expenses for injuries sustained by the other party from an accident. In addition, the driver must carry property damage liability coverage. which will cover damages to a vehicle or property caused by the accident.


Is the Minimum Car Insurance Coverage All I Need?

By having the minimum required car insurance in Georgia you are meeting the state requirements. However, this is not all the coverage you need. For instance, the minimum coverage would not cover any damages or repairs to your vehicle. You would have to pay out-of-pocket for these expenses. We recommend examining the additional types of insurance offered and adding what you need and can afford your policy for maximum protection.


Other Types of Car Insurance Policies Available

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident.

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for.

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen.

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances.

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars.

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Car Insurance For Teen Drivers

Just like other states, adding a teen driver to your insurance policy isn’t cheap. It isn’t cheap to get a teen driver their own policy either. However in Georgia at the age of 15 teens can start the three-step process to getting an unrestricted drivers license and they need to be added to an insurance policy. Adding a teen driver to your existing policy is typically the cheaper route versus a teen purchasing a new policy by their self. A primary teen driver, a driver with their own car, is more expensive than a teen driver sharing a vehicle. For more information on the requirements of teen drivers in Georgia visit the Department of Driver Services.


Do You Have Multiple Drivers

Having multiple drivers in a household is typical. It is important to disclose and drivers in your household to your insurance company to avoid any issues or unforeseen costs. Insurance premiums are set based on the driver with the highest liability, like a teen driver or someone with a DUI. If the premiums are too costly by adding these types of drivers you can always exclude specific individuals. However, this means they are not covered and neither is your vehicle when they are driving. Any accidents or damages will not be covered by your insurance company.


Penalties for Driving Without Insurance in Georgia

In Georgia, if you do not renew your car insurance policy the company is required to contact the Georgia Department of Driver Services. If there is more than a 10-day lapse in car insurance penalties are issued.

  • First Offense- $25 lapse fee and $60 reinstatement fee. Your driver's license and registration can be suspended for 60 days. You can spend up to one year in jail.

  • Second Offense- Another $25 lapse fee and $60 reinstatement fee. Your driver's license and registration will be suspended for 90 days this time. You can spend up to one year in jail.

  • Third and Subsequent Offenses- You will pay another $25 lapse fee and $160 reinstatement fee. Your driver's license and registration will be suspended for six months. You can spend up to one year in jail.


Georgia Car Insurance Discounts

Getting car insurance discounts is relatively easy. There is almost something for everyone out there. Most car insurance carriers offer similar discounts, pay attention to which discounts give the highest percentage of a discount so you can get the most bang for your buck. Below is a list of common discounts offered across most companies and states:

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.

  • Good Driver- Maintain a good driving record free of tickets, accidents, or any moving violations.

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance.


Get a Quote for Car Insurance in Georgia

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