Cheap car insurance in Georgia for good drivers
Get a quote in less than 3 minutes.
From Atlanta to Columbus and Augusta to Savannah, join over 287,000 Georgia drivers who have chosen Root for affordable car insurance.
Number of drivers based on the number of people who have bought a policy in Georgia as of May 2026.
Take the Root test drive and save on your Georgia auto insurance coverage
Root believes safe drivers in Georgia should earn a better auto insurance rate. Our mobile technology measures your driving habits, allowing us to price your policy primarily on how you drive. Safer driving could lead to meaningful savings on car insurance in Georgia.
Get the app
Download the Root app and answer a few quick questions to begin. Using your phone’s built-in technology, the app observes your driving habits in the background. Simply keep your phone with you and travel as you normally do.
Show us your safe driving
For the next few weeks, the Root app evaluates your driving and lets you monitor your progress throughout the process. Continue driving as you normally would. We'll collect the details needed to create a personalized auto insurance quote.
Save based on your driving
After you finish the test drive, Root can provide a customized car insurance quote based largely on your driving habits. Safe Georgia drivers may qualify for lower rates, making responsible habits behind the wheel even more worthwhile.
Georgia's minimum auto insurance requirements
To legally operate a vehicle in Georgia, you must carry Liability insurance for both bodily injury and property damage.
The minimum coverage amounts for liability car insurance required for drivers in Georgia are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Types of Georgia auto insurance we offer
Explore our Georgia car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
Medical coverage
Cover eligible medical expenses if you or your passengers are injured in an accident. Available coverage and benefits vary by state.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you car is broken down with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Georgia?
The average person pays $2,503 per year for their auto insurance in Georgia [2], but many people pay much more — often to make up for bad drivers.
We don't insure high-risk drivers, so Root customers looking to purchase Georgia car insurance could save up to $1,300 a year.
Are you a safe driver? Get a quote in under 3 minutes.
Georgia Auto Insurance FAQs
What is the minimum car insurance required in Georgia?
To legally operate a vehicle in Georgia, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
you and your passengers (medical payment or personal injury protection)
your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Georgia.
Is it legal to drive without insurance in Georgia?
No, you cannot legally drive without auto insurance in Georgia. State law requires every driver and vehicle owner to maintain continuous liability insurance and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license could be suspended.
Do you need insurance to register a vehicle in Georgia?
Yes. Georgia requires proof of insurance to registering or renewing a vehicle tag. All insurance companies are required to submit proof of auto insurance electronically to the Georgia Electronic Insurance Compliance System (GEICS). Physical insurance cards are no longer an acceptable form of proof of insurance when renewing or registering a vehicle in Georgia.
How do I lower my car insurance in Georgia?
The easiest ways to save on your Georgia car insurance premium is to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, your driving behavior is the number one factor in determining your rate, so better driving could help you pay less for car insurance in the Peach State.
Is Georgia a no-fault car insurance state?
No, Georgia is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Georgia?
Georgia law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Georgia?
No, Georgia drivers are not required to carry uninsured/underinsured motorist coverage. Like all auto insurance companies, Root offers optional UMPD and UM / UIM coverage in Georgia to help pay for injuries or vehicle damage when the at-fault driver has no insurance or insufficient coverage. However, you can choose whether or not to purchase it as part of your policy. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Georgia?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Georgia?
High-risk Georgia drivers may be ordered by a court or the Georgia Department of Driver Services to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
Helpful resources for Georgia drivers
Georgia Department of Driver Services
Georgia DDS issues driver’s licenses and ID cards, administers driving tests, and maintains driving records.
Georgia DOR Motor Vehicles
Georgia DOR issues vehicle titles and license plates, manages registrations, and maintains official records.
Georgia Traffic Codes
Review traffic codes in the state of Georgia on the Department of Public Safety website.
Start saving on car insurance
Get a rate based primarily on how you drive. The safer you drive, the more you could save.