Georgia car insurance: requirements & free quotes
Georgia is an at-fault state with a 25/50/25 minimum. Heavy commuter traffic around metro Atlanta and severe thunderstorms are major considerations for drivers choosing coverage.
Minimum coverage in Georgia
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Shown as 25/50/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Georgia
- Uninsured motorist coverage protects you against drivers who carry no insurance.
- Comprehensive coverage helps with hail, falling trees and storm damage.
- Commuters in metro Atlanta may benefit from higher liability limits than the minimum.
- Ask about bundling, good-student and safe-driver discounts when comparing quotes.
We connect drivers across Georgia
Including Atlanta, Augusta, Columbus, Savannah and Athens — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Georgia car insurance FAQ
No. Georgia is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.