Affordable Georgia car insurance that puts you first
Root rewards Georgia drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose Georgia auto insurance coverage that fits your needs.
Better car insurance rates
Drivers who switch to Root can save up to $1,300 a year on car insurance. Get your personalized Georgia auto insurance quote. It's easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Georgia auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Peach State
Atlanta drivers know I-285 traffic can turn a quick trip into a long one. But Georgia roads stretch well beyond the Perimeter, from North Georgia mountains to South Georgia and the coast.
Plan for Atlanta traffic: I-75 and I-85 come together through the Downtown Connector, while I-285 circles the metro and connects many of Atlanta’s busiest routes.
Beyond Atlanta: I-75 takes drivers through Macon and toward Valdosta, I-20 heads east toward Augusta and I-16 connects Macon with Savannah. Columbus adds another major hub along Georgia’s western edge.
Know before you go: Check the Georgia Department of Driver Services for licensing and driving information and Georgia DOR Motor Vehicles for vehicle services.
Shop for coverage that fits your drive: From Atlanta to Savannah, Augusta and Columbus, Root puts how you drive at the center of your Georgia car insurance rate.
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.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
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 bad drivers, so Root customers looking to purchase Georgia car insurance could save up to $1,300 a year.
Get a quote in under 5 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 (MedPay coverage)
your vehicle (collision and comprehensive)
you and your passengers (MedPay coverage)
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 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 rate 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 (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 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. Depending on the violation, this may include an SR-22 or SR-22A filing.
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.
What is Joshua’s Law in Georgia?
Named for teenager Joshua Brown, who died in a 2003 car crash, Joshua’s Law requires 16- and 17-year-olds in Georgia to complete the following steps before receiving a Class D license:
hold a learner’s permit for one year and one day
complete 30 hours of an approved driver education course (either classroom or online)
log 40 hours of supervised driving, including 6 hours at night
What is Georgia’s Move Over Law?
Georgia’s Move Over Law requires drivers approaching stopped emergency vehicles, tow trucks, highway-maintenance vehicles, or utility vehicles with qualifying warning lights or cones to move over one lane when safe. If you cannot safely or legally change lanes, slow below the posted speed limit and be prepared to stop.
Violations carry 3 license points and fines of up to $500 for emergency vehicles or $250 for towing, maintenance, or utility vehicles, plus applicable court costs and surcharges.
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.
References
Georgia Office of Commissioner of Insurance and Safety Fire. Auto Insurance.
Insure.com. Annual average rates were compiled in 2026.