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Georgia Auto Insurance

Compare Auto Insurance in Georgia

Georgia Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $25,000 property damage
  • Click here for more auto insurance minimums in Georgia.

Georgia DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Enhanced sentencing for BAC of 0.15% and higher.
  • Click here for more DUI laws in Georgia.

Georgia SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons
  • An SR-22 proves a driver has had liability insurance for a certain amount of time.
  • Click here for all SR-22 requirements in Georgia.

Georgia Hands-Free Laws

  • The Georgia legislature is considering several cell phone/texting laws
  • Georgia Senate Bill 360 prohibits drivers under 18 from operating a motor vehicle and using a cell phone at the same time.
  • Click here for Hands-Free laws in Georgia.

Georgia Teen Auto Insurance

  • Georgia utilizes a Graduated Driver Licensing (GDL) system for teen drivers
  • The GDL is intended to minimize high-risk situations for inexperienced drivers.
  • Click here to learn all you need to know about Georgia teen driver laws
When you are involved in an auto accident and found to be responsible, it is vitally important to have the proper insurance coverage. Most people know and understand that driving without insurance is not an option. Not only is it dangerous, it is also illegal. But many people don't realize that being underinsured can also be personally devastating.

If you don't have the proper amount of coverage and are held responsible in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage, and lawsuits.

If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Georgia requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $25,000 total for property damage, per accident

When putting together your auto insurance policy, it's important to remember that whatever amount you select is the maximum amount that your insurance provider will pay out on a claim. The minimum amounts as required by law are often times not enough to fully cover damages which occur in an accident for which you are responsible. Therefore, you may want to consider choosing higher amounts of insurance coverage when you purchase your policy.

You can depend on your professional insurance agent to be a knowledgeable and trusted source for information regarding your state's minimum requirements and also for any other questions you may have about the different types of coverage available and their costs.

For any other concerns or questions, please contact:

Georgia Office of Insurance and Safety Fire Commissioner
Two Martin Luther King, Jr. Drive
West Tower, Suite 704
Atlanta, GA 30334
(404) 656-2070
(800) 656-2298 toll-free

Georgia Car Insurance Agents


If you are a resident of Georgia and are searching for a highly trained auto insurance agent to assist you in putting together a comprehensive yet affordable policy, look no further!

Auto insurance agents are fully qualified professionals whose goal is to make the process of buying auto insurance easy and enjoyable for you- their customer. They are able to compare prices from different insurance companies and find the best combination of coverage and cost.

By asking the right questions about your personal needs and circumstances with regards to insurance and listening carefully to your answers, a good agent can put together a comprehensive auto insurance policy which protects you and your property, as well as your assets. You can rely on your agent to stand by you when you have a claim and to always make sure your policy is up-to-date and continues to meet the needs of your changing lifestyle.

If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to make sure you get the best Georgia Auto Insurance policy available that meets both your needs and budget.

Tips to saving money on your insurance premiums


  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • Drive carefully. A clean driving record can add up to big savings when buying insurance.
  • If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
  • If you have a teenage driver in the family, ask about teen driver discounts.
  • Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Before applying for insurance, obtain copies of your personal credit report from the three major credit bureaus and check them for accuracy. Report any errors or out-of-date information directly to the reporting bureau.

Being aware of these money-saving tips can add up to big savings for you! When you also work with a professional insurance agent to put together your policy, you can be confident that you are getting comprehensive coverage at the best possible price.

In addition to other states, Georgia requires drivers to have auto insurance at all times. With CarInsurance.info consumers are able to obtain low cost Georgia auto insurance rates more easily than before. The site offers a true online insurance marketplace where people can compare prices of insurance companies and even purchase a policy. No need to get on the phone, this website offers all of the information and features that the busy consumer needs.

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