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Country Financial offers the cheapest minimum and full coverage car insurance policy in Georgia for most drivers. Other types of drivers might find GEICO the cheapest option.

MoneyGeek's list of the top car insurance companies in Georgia is a great place to find affordability and quality service.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Georgia (June 2023)

MoneyGeek's analysis found that the following companies offer the most affordable car insurance in Georgia for a minimum coverage policy:

  • Country Financial: $392 per year
  • GEICO: $488 per year

Allstate has the highest average annual premium in Georgia for minimum coverage at $1,418, of the companies MoneyGeek reviewed.

In Georgia, auto insurance that meets the minimum requirements only covers bodily injury liability and property damage liability.

Company
Annual Premium
Monthly Premium

Country Financial

$350

$29

Country Financial

$392

$33

GEICO

$464

$39

GEICO

$488

$41

Mercury

$499

$42

Country Financial

$570

$48

Mercury

$571

$48

Country Financial

$707

$59

Mercury

$713

$59

Auto-Owners Insurance Co

$750

$63

Country Financial

$809

$67

GEICO

$835

$70

Auto-Owners Insurance Co

$912

$76

Progressive

$1,043

$87

Auto-Owners Insurance Co

$1,066

$89

GEICO

$1,094

$91

Progressive

$1,153

$96

State Farm

$1,163

$97

Country Financial

$1,167

$97

State Farm

$1,179

$98

GEICO

$1,191

$99

Progressive

$1,275

$106

Mercury

$1,313

$109

Mercury

$1,386

$116

Allstate

$1,395

$116

Allstate

$1,418

$118

Allstate

$1,498

$125

State Farm

$1,507

$126

Auto-Owners Insurance Co

$1,712

$143

Auto-Owners Insurance Co

$1,832

$153

GEICO

$1,891

$158

Mercury

$1,963

$164

Allstate

$2,086

$174

State Farm

$2,110

$176

Allstate

$2,155

$180

State Farm

$2,198

$183

Allstate

$2,207

$184

Auto-Owners Insurance Co

$2,464

$205

Progressive

$2,484

$207

Progressive

$2,500

$208

State Farm

$2,890

$241

Progressive

$3,250

$271

With a minimum coverage policy, you are only covered for the injuries or damages you cause to others. You can further protect yourself with a full coverage policy that provides comprehensive and collision coverage. A full coverage policy covers damage to your vehicle as well.

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Cheapest Full Coverage Car Insurance in Georgia (June 2023)

MoneyGeek compared companies for the cheapest full coverage car insurance in Georgia and found these insurers to be the most affordable:

  • Country Financial: $809 per year
  • GEICO: $1,191 per year

Progressive is the most expensive full coverage insurance provider in Georgia, at roughly $2,484 per year.

You could pay more for your auto insurance if you add comprehensive and collision coverage. A full coverage option from Country Financial costs $417 more than a minimum coverage policy.

Full coverage car insurance provides you with a greater level of financial protection if you need to file a claim. If you purchase a full coverage policy, your car will be covered for damages caused by on-road accidents, such as collisions, and off-road accidents, such as theft, vandalism or flooding.

Company
Annual Premium
Monthly Premium

Country Financial

$350

$29

Country Financial

$392

$33

GEICO

$464

$39

GEICO

$488

$41

Mercury

$499

$42

Country Financial

$570

$48

Mercury

$571

$48

Country Financial

$707

$59

Mercury

$713

$59

Auto-Owners Insurance Co

$750

$63

Country Financial

$809

$67

GEICO

$835

$70

Auto-Owners Insurance Co

$912

$76

Progressive

$1,043

$87

Auto-Owners Insurance Co

$1,066

$89

GEICO

$1,094

$91

Progressive

$1,153

$96

State Farm

$1,163

$97

Country Financial

$1,167

$97

State Farm

$1,179

$98

GEICO

$1,191

$99

Progressive

$1,275

$106

Mercury

$1,313

$109

Mercury

$1,386

$116

Allstate

$1,395

$116

Allstate

$1,418

$118

Allstate

$1,498

$125

State Farm

$1,507

$126

Auto-Owners Insurance Co

$1,712

$143

Auto-Owners Insurance Co

$1,832

$153

GEICO

$1,891

$158

Mercury

$1,963

$164

Allstate

$2,086

$174

State Farm

$2,110

$176

Allstate

$2,155

$180

State Farm

$2,198

$183

Allstate

$2,207

$184

Auto-Owners Insurance Co

$2,464

$205

Progressive

$2,484

$207

Progressive

$2,500

$208

State Farm

$2,890

$241

Progressive

$3,250

$271

Your car insurance rate will be affected significantly by how much coverage you need. MoneyGeek's full coverage sample policy includes liability protection up to the following limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident

Your insurance payments might be reduced if you lower your liability limits, remove comprehensive and collision coverage or raise your deductible. You risk, however, paying more out of pocket if you are in an accident.

How to Compare Cheap Georgia Car Insurance Quotes Online

Many Georgia auto insurance companies offer online quotes if you need one. To compare rates, you'd need to visit several websites. The process could take up to 15 minutes, and insurers may also request your personal information.

With MoneyGeek's car insurance calculator, you can easily estimate your car insurance without providing personal information to several providers. Learn more by selecting your age, gender and driving record below.

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See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Cheapest Car Insurance in Georgia by Age (June 2023)

Car insurance rates in Georgia change significantly by your age. Country Financial and Allstate offer the cheapest rates on average for various age groups and family members.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Allstate
Cheapest for young adults: Country Financial
Cheapest for seniors: Country Financial

Cheapest Car Insurance in Georgia for Teens and Their Families (June 2023)

MoneyGeek found that the most affordable car insurance companies in Georgia for teen drivers on a parent’s policy are:-

  • Allstate: $1,745 per year for male teens and $1,668 for female teens
  • Auto-Owners: $2,554 for male teens; GEICO: $2,315 for female teens

Progressive is the most expensive option in Georgia for female teens at an average of $3,046 per year, whereas State Farm is the most costly option for male teens at $3,892 per year.

Due to the diminishing car insurance rates for teens as they age, there is a significant premium difference between 16- and 19-year-old drivers. Allstate ($1,448 per year) provides the lowest car insurance rate for 19-year-old male drivers in Georgia.

On average, a teen policy is cheaper if it's included in a family plan, and in most cases, a driver under the age of 18 cannot legally purchase auto insurance themselves — they require a parent or guardian as a co-signer. A 16-year-old driver in Georgia pays $3,112 less to be on their parent's policy rather than on an individual plan.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Allstate

$1,668

$5,507

Allstate

$1,745

$4,763

GEICO

$2,315

$7,145

Auto-Owners Insurance Co

$2,481

$2,296

Auto-Owners Insurance Co

$2,554

$3,033

GEICO

$2,869

$8,691

State Farm

$3,019

$3,911

Progressive

$3,046

$7,389

Progressive

$3,408

$8,306

State Farm

$3,892

$5,236

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Discounts are available for young drivers, helping families save money on car insurance. You can find good student discounts (for those with good grades) and distant student discounts (for those who live away from home) from insurance companies, such as Auto-Owners, Allstate and State Farm.

Cheapest Car Insurance in Georgia for Young Adults (June 2023)

MoneyGeek's analysis indicates that the cheapest car insurance companies for full coverage in Georgia for young adults in their 20s are:

  • Country Financial: $1,167 per year
  • GEICO: $1,891 per year

Progressive is the least affordable for this age group, costing an average of $3,250 a year for a full coverage policy.

The cost of auto insurance for drivers in their early 20s is usually higher than the cost for drivers between 25 and 40 because of younger drivers' higher rate of accident frequency and severity. For example, it costs $358 more per year for an Allstate policy for a driver in their 20s than for one in their 40s.

Company
Annual Premium
Monthly Premium

Country Financial

$350

$29

Country Financial

$392

$33

GEICO

$464

$39

GEICO

$488

$41

Mercury

$499

$42

Country Financial

$570

$48

Mercury

$571

$48

Country Financial

$707

$59

Mercury

$713

$59

Auto-Owners Insurance Co

$750

$63

Country Financial

$809

$67

GEICO

$835

$70

Auto-Owners Insurance Co

$912

$76

Progressive

$1,043

$87

Auto-Owners Insurance Co

$1,066

$89

GEICO

$1,094

$91

Progressive

$1,153

$96

State Farm

$1,163

$97

Country Financial

$1,167

$97

State Farm

$1,179

$98

GEICO

$1,191

$99

Progressive

$1,275

$106

Mercury

$1,313

$109

Mercury

$1,386

$116

Allstate

$1,395

$116

Allstate

$1,418

$118

Allstate

$1,498

$125

State Farm

$1,507

$126

Auto-Owners Insurance Co

$1,712

$143

Auto-Owners Insurance Co

$1,832

$153

GEICO

$1,891

$158

Mercury

$1,963

$164

Allstate

$2,086

$174

State Farm

$2,110

$176

Allstate

$2,155

$180

State Farm

$2,198

$183

Allstate

$2,207

$184

Auto-Owners Insurance Co

$2,464

$205

Progressive

$2,484

$207

Progressive

$2,500

$208

State Farm

$2,890

$241

Progressive

$3,250

$271

Cheapest Car Insurance in Georgia for Seniors (June 2023)

Senior drivers in Georgia can get the cheapest car insurance from:

  • Country Financial: $707 per year
  • GEICO: $1,094 per year

Car insurance rates for seniors are the highest at Progressive, at approximately $2,500 a year.

It is cheaper to insure a senior driver in Georgia than a middle-aged driver. It costs approximately $102 less per year for seniors to buy a full coverage policy through Country Financial than for those in their 40s. However, car insurance rates typically increase after the age of 70 as risk factors begin to escalate for elderly drivers.

Company
Annual Premium
Monthly Premium

Country Financial

$350

$29

Country Financial

$392

$33

GEICO

$464

$39

GEICO

$488

$41

Mercury

$499

$42

Country Financial

$570

$48

Mercury

$571

$48

Country Financial

$707

$59

Mercury

$713

$59

Auto-Owners Insurance Co

$750

$63

Country Financial

$809

$67

GEICO

$835

$70

Auto-Owners Insurance Co

$912

$76

Progressive

$1,043

$87

Auto-Owners Insurance Co

$1,066

$89

GEICO

$1,094

$91

Progressive

$1,153

$96

State Farm

$1,163

$97

Country Financial

$1,167

$97

State Farm

$1,179

$98

GEICO

$1,191

$99

Progressive

$1,275

$106

Mercury

$1,313

$109

Mercury

$1,386

$116

Allstate

$1,395

$116

Allstate

$1,418

$118

Allstate

$1,498

$125

State Farm

$1,507

$126

Auto-Owners Insurance Co

$1,712

$143

Auto-Owners Insurance Co

$1,832

$153

GEICO

$1,891

$158

Mercury

$1,963

$164

Allstate

$2,086

$174

State Farm

$2,110

$176

Allstate

$2,155

$180

State Farm

$2,198

$183

Allstate

$2,207

$184

Auto-Owners Insurance Co

$2,464

$205

Progressive

$2,484

$207

Progressive

$2,500

$208

State Farm

$2,890

$241

Progressive

$3,250

$271

Car insurance premium discounts may be available for seniors from certain insurers. Comparing quotes from multiple insurers can also help you find the best rates for your profile and individual requirements.

Cheapest Car Insurance for Higher Risk Drivers (June 2023)

Country Financial is the cheapest insurer in Georgia for people with low credit scores, as well as drivers with tickets, at-fault accidents or DUIs on their record.

Traffic violations often result in higher rates. Regularly reviewing your driving record and taking state-approved courses can improve your profile in the long run and lower your insurance rates.

GEICO offers the cheapest deals for those with sports cars.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Country Financial ($1,100 per year)
Cheapest after an accident: Country Financial ($1,143 per year)
Cheapest after a DUI: Country Financial ($1,334 per year)
Cheapest for poor credit: Country Financial ($1,209 per year)
Cheapest for sports cars: GEICO ($1,302 per year)

Cheapest Car Insurance in Georgia After a Ticket

For drivers with a speeding ticket, these insurance companies offer the cheapest full coverage policies in Georgia:

  • Country Financial: $1,100 per year
  • GEICO: $1,423 per year

The most expensive provider is Progressive, which charges $3,498 a year.

On average, a speeding ticket in Georgia can increase your insurance costs by $431.

Company
Annual Premium
Monthly Premium

GEICO

$465

$39

Country Financial

$478

$40

Country Financial

$537

$45

GEICO

$583

$49

Mercury

$759

$63

Country Financial

$782

$65

GEICO

$836

$70

Auto-Owners Insurance Co

$863

$72

Mercury

$908

$76

Country Financial

$961

$80

Mercury

$989

$82

Auto-Owners Insurance Co

$1,049

$87

GEICO

$1,096

$91

Country Financial

$1,100

$92

Auto-Owners Insurance Co

$1,226

$102

State Farm

$1,337

$111

State Farm

$1,421

$118

GEICO

$1,423

$119

Progressive

$1,426

$119

Allstate

$1,510

$126

Allstate

$1,529

$127

Country Financial

$1,592

$133

Progressive

$1,636

$136

Allstate

$1,653

$138

Progressive

$1,664

$139

State Farm

$1,731

$144

GEICO

$1,895

$158

Auto-Owners Insurance Co

$1,929

$161

Mercury

$2,054

$171

Auto-Owners Insurance Co

$2,078

$173

Mercury

$2,257

$188

Allstate

$2,289

$191

State Farm

$2,400

$200

Allstate

$2,424

$202

Allstate

$2,492

$208

State Farm

$2,594

$216

Mercury

$2,640

$220

Auto-Owners Insurance Co

$2,784

$232

State Farm

$3,287

$274

Progressive

$3,498

$291

Progressive

$3,807

$317

Progressive

$4,209

$351

Cheapest Car Insurance in Georgia After an Accident

The most affordable full coverage car insurance companies for Georgia drivers with an at-fault accident are:

  • Country Financial: $1,143 per year
  • GEICO: $1,760 per year

Drivers with at-fault accidents pay the most with Progressive — approximately $4,866 annually.

Having been at fault in a car accident could result in an increase of $960 to your annual premium in Georgia.

Company
Annual Premium
Monthly Premium

Country Financial

$567

$47

Country Financial

$587

$49

GEICO

$708

$59

GEICO

$751

$63

Country Financial

$810

$67

Country Financial

$1,077

$90

GEICO

$1,078

$90

Auto-Owners Insurance Co

$1,111

$93

Mercury

$1,137

$95

Country Financial

$1,143

$95

Auto-Owners Insurance Co

$1,351

$113

Mercury

$1,390

$116

Mercury

$1,427

$119

State Farm

$1,471

$123

State Farm

$1,563

$130

Auto-Owners Insurance Co

$1,577

$131

Country Financial

$1,584

$132

GEICO

$1,622

$135

GEICO

$1,760

$147

Allstate

$1,764

$147

Allstate

$1,792

$149

State Farm

$1,904

$159

Allstate

$1,952

$163

Progressive

$2,071

$173

Progressive

$2,357

$196

Auto-Owners Insurance Co

$2,403

$200

GEICO

$2,422

$202

Progressive

$2,423

$202

Auto-Owners Insurance Co

$2,617

$218

State Farm

$2,626

$219

Allstate

$2,731

$228

State Farm

$2,835

$236

Mercury

$2,847

$237

Allstate

$2,895

$241

Allstate

$2,998

$250

Mercury

$3,274

$273

Auto-Owners Insurance Co

$3,491

$291

Mercury

$3,567

$297

State Farm

$3,593

$299

Progressive

$4,866

$405

Progressive

$5,425

$452

Progressive

$5,710

$476

Cheapest Car Insurance in Georgia After a DUI

The cheapest full coverage car insurance options in Georgia for individuals with DUI records are:

  • Country Financial: $1,334 per year
  • Mercury: $1,945 per year

For drivers with DUIs, Progressive is the most costly auto insurance provider at approximately $4,114 per year.

DUIs drive up your Georgia insurance premium by $1,173 on average.

Company
Annual Premium
Monthly Premium

Country Financial

$600

$50

Country Financial

$673

$56

Mercury

$733

$61

Mercury

$828

$69

Mercury

$964

$80

Country Financial

$978

$82

Country Financial

$1,170

$98

Country Financial

$1,334

$111

State Farm

$1,337

$111

State Farm

$1,421

$118

GEICO

$1,438

$120

Progressive

$1,552

$129

Auto-Owners Insurance Co

$1,689

$141

Progressive

$1,726

$144

State Farm

$1,731

$144

GEICO

$1,732

$144

Allstate

$1,739

$145

Allstate

$1,766

$147

Progressive

$1,786

$149

GEICO

$1,909

$159

Allstate

$1,921

$160

Country Financial

$1,939

$162

Mercury

$1,945

$162

Mercury

$2,029

$169

Auto-Owners Insurance Co

$2,054

$171

Auto-Owners Insurance Co

$2,398

$200

State Farm

$2,400

$200

Mercury

$2,532

$211

State Farm

$2,594

$216

Allstate

$2,711

$226

Allstate

$2,877

$240

Allstate

$2,976

$248

GEICO

$3,164

$264

State Farm

$3,287

$274

Auto-Owners Insurance Co

$3,512

$293

GEICO

$3,871

$323

Auto-Owners Insurance Co

$3,877

$323

Progressive

$4,114

$343

GEICO

$4,180

$348

Progressive

$4,423

$369

Progressive

$4,895

$408

Auto-Owners Insurance Co

$5,139

$428

Cheapest Car Insurance in Georgia for Drivers With Poor Credit (June 2023)

For drivers with poor credit in Georgia, these companies have the most affordable car insurance:

  • Country Financial: $1,209 per year
  • GEICO: $1,618 per year

Insuring your car with State Farm costs the most in Georgia if you have a low credit score, at roughly $4,699 per year.

Insurers calculate your rate based on a credit-based insurance score which uses many factors to measure how well you manage your money. Car insurance in Georgia costs approximately $1,289 more if your credit score is below 580 compared with someone with a score of 750 or higher.

Company
Annual Premium
Monthly Premium

Country Financial

$1,760

$147

GEICO

$2,250

$188

Mercury

$2,692

$224

Allstate

$2,974

$248

Progressive

$4,888

$407

State Farm

$5,948

$496

Auto-Owners Insurance Co

$6,620

$552

Country Financial

$870

$72

Mercury

$902

$75

GEICO

$992

$83

Allstate

$1,773

$148

Progressive

$1,862

$155

State Farm

$3,103

$259

Auto-Owners Insurance Co

$3,184

$265

Country Financial

$1,209

$101

GEICO

$1,611

$134

Mercury

$1,923

$160

Allstate

$2,794

$233

Progressive

$3,926

$327

Auto-Owners Insurance Co

$4,601

$383

State Farm

$4,699

$392

Country Financial

$597

$50

Mercury

$627

$52

GEICO

$661

$55

Progressive

$1,551

$129

Allstate

$1,745

$145

Auto-Owners Insurance Co

$2,243

$187

State Farm

$2,546

$212

Country Financial

$1,059

$88

GEICO

$1,300

$108

Mercury

$1,793

$149

Allstate

$3,048

$254

Progressive

$3,745

$312

State Farm

$4,340

$362

Auto-Owners Insurance Co

$5,025

$419

Country Financial

$529

$44

GEICO

$552

$46

Mercury

$629

$52

Progressive

$1,524

$127

Allstate

$1,929

$161

State Farm

$2,396

$200

Auto-Owners Insurance Co

$2,726

$227

Actuarial data shows that drivers with poor credit generally are more likely to file claims. Consequently, some insurance companies will charge a higher rate. The usage of credit history as a rating factor varies from state to state, but in Georgia, it is legal.

Gradually, you can improve your credit score to get lower car insurance rates. You can save money by comparing rates from different insurers and by making use of bundle and multi-car discounts.

Cheapest Car Insurance in Georgia for Sports Cars (June 2023)

If you own a sports car in Georgia, the following companies are the most affordable:

  • GEICO: $1,302 per year
  • Auto-Owners: $1,952 per year

At $3,489 per year, Progressive offers the most expensive policy for sports cars.

Compared with a Toyota Camry, sports cars are more expensive to insure in Georgia, by $603 per year.

Company
Annual Premium
Monthly Premium

Country Financial

$350

$29

Country Financial

$392

$33

GEICO

$464

$39

GEICO

$488

$41

Mercury

$499

$42

Country Financial

$570

$48

Mercury

$571

$48

Mercury

$713

$59

Auto-Owners Insurance Co

$750

$63

GEICO

$835

$70

Auto-Owners Insurance Co

$912

$76

Progressive

$1,043

$87

Auto-Owners Insurance Co

$1,066

$89

Progressive

$1,153

$96

State Farm

$1,163

$97

GEICO

$1,166

$97

State Farm

$1,179

$98

Progressive

$1,275

$106

GEICO

$1,302

$109

Allstate

$1,395

$116

Allstate

$1,418

$118

Allstate

$1,498

$125

State Farm

$1,507

$126

Auto-Owners Insurance Co

$1,952

$163

GEICO

$1,963

$164

Allstate

$2,008

$167

Auto-Owners Insurance Co

$2,065

$172

Allstate

$2,142

$179

Allstate

$2,147

$179

State Farm

$2,530

$211

State Farm

$2,737

$228

Auto-Owners Insurance Co

$2,845

$237

Progressive

$3,020

$252

Progressive

$3,489

$291

State Farm

$3,503

$292

Progressive

$4,529

$377

MoneyGeek used the Ford Mustang as a representative sports car, but your particular model may have different costs.

Insuring sports cars, electric cars and luxury vehicles is generally more expensive, depending on the state. However, the car model may not have much influence.

Cheapest Car Insurance in Georgia for Military Drivers (June 2023)

If you are an active-duty military member or veteran, Country Financial offers the cheapest car insurance in Georgia at $809 per year.

The second-cheapest option for veterans is Auto-Owners. USAA is also available at $2,263 per year. The company offers special coverage benefits and discounts for military personnel. All states offer USAA, but only drivers with military backgrounds are eligible.

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MONEYGEEK EXPERT TIP

Active duty and retired military and National Guard or Reserves members may qualify for a military discount with GEICO. The company also has an Emergency Deployment Discount and may provide a discount on car insurance to members of the Association of the United States Army (AUSA), Armed Forces Benefit Association (AFBA), Navy League of the United States (NLUS) or Navy Federal Credit Union. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

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MoneyGeek Top Pick
Country Financial
  • $809 per year on average
  • Ranks first out of eight insurers for affordability

The most affordable option for military members is Country Financial. It does not offer special discounts to military personnel. However, you can benefit from other Country Financial discounts to save money, including bundling, safe driving and defensive driving discounts.

Cheapest Car Insurance in Georgia by City

There can be a wide difference in car insurance costs between different parts of Georgia. Cities with high traffic accidents, car thefts or high-risk factors may have higher car insurance premiums.

For instance, Auto-Owners offers the lowest price for a full coverage policy in Athens–Clarke for $894 per year, whereas in Atlanta, the same policy costs $1,254 — a difference of $360.

Therefore, even when using the same provider, rates can differ based on location.

City
Cheapest Company
Annual Premium

Athens-Clarke

Auto-Owners Insurance Co

$894

Atlanta

Auto-Owners Insurance Co

$1,254

Augusta-Richmond

Auto-Owners Insurance Co

$955

Columbus

Auto-Owners Insurance Co

$1,036

Macon-Bibb

Auto-Owners Insurance Co

$1,043

Sandy Springs

Auto-Owners Insurance Co

$1,060

Savannah

Auto-Owners Insurance Co

$986

Car Insurance in Georgia: What You Need to Know

Under Georgia law, all drivers are mandated to carry bodily injury liability and property damage liability insurance. It is a requirement in most states to have these coverages.

Georgia Car Insurance Requirements

According to Georgia law, you only need bodily injury liability and property damage coverage on your policy. A policy of this type is affordable, but it provides limited coverage if you are involved in an accident.

To ensure full protection, MoneyGeek recommends purchasing as much liability coverage as you can manage. In Georgia, SR-22 insurance may also be required if you have serious violations on your record, such as a DUI.

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SR-22: EXPLAINED

It's common for people to say "SR-22 insurance," but SR-22 is not insurance: It is a certificate of financial responsibility that proves you meet the state's established insurance requirements for high-risk drivers and must be filed with the Georgia Department of Driver Services by your auto insurer. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

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    Bodily Injury Liability

    Insurance laws in Georgia require drivers to carry a minimum of $25,000 for bodily injury liability per person and $50,000 for bodily injury liability per accident. If you cause an accident, your bodily injury coverage covers any injuries suffered by others. The amount of coverage for injury to others will only be up to the maximum limit specified by your insurance company. In the event of additional costs, they will be paid out of pocket.

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    Property Damage Liability

    Property damage liability in Georgia is required to be $25,000 per accident. Accidental damage to other people's property is covered under this coverage. This coverage does not cover damage to your car.

MoneyGeek recommends obtaining liability limits of $100,000 per person, $300,000 per accident for bodily injury and $100,000 for property damage per accident. If you are involved in an accident, you will have adequate coverage.

For financed cars and leased vehicles, you may need comprehensive and collision insurance. It covers damage caused by collisions, off-road incidents, vandalism or theft to your car.

A full coverage policy might be ideal if you drive a valuable car, even if it is not a legal requirement.

Car Insurance Alternatives in Georgia

As a substitute to low-cost standard auto insurance, Georgia drivers can purchase Financial Responsibility Insurance.

For bodily injury and property damage liability, Georgia drivers must carry the state minimum insurance. You can, however, purchase full coverage car insurance to increase your liability limits.

FAQs About Car Insurance in Georgia

MoneyGeek answered frequently asked questions about Georgia car insurance costs and quality to help you make a more informed decision.

Expert Advice on Finding Cheap Car Insurance in Georgia

To help you find credible and accurate insight on car insurance in Georgia, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Georgia should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Georgia take to find affordable car insurance?
  3. How do regulations and rules in Georgia impact insurance pricing and how consumers might shop for coverage?
Wendy Habegger
Wendy Habegger

Lecturer at James M. Hull College of Business at Augusta University

Jeffrey Diamond
Jeffrey Diamond

Adjunct Professor, Atlanta's John Marshall Law School

Richard McGrath
Richard McGrath

Professor of Economics at Georgia Southern

Harold Weston
Harold Weston

Clinical Associate Professor of Risk Management and Insurance at Georgia State University, Robinson College of Business

Jill Duncan
Jill Duncan

State Farm Insurance Agent in Carroll County, Georgia

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.