Get a quote

Better rates for better drivers in Georgia

See how much you could save.

Check our prices
Orange sedan drives into smartphone screen showing a cityscape

Get cheap auto insurance in Georgia

From Atlanta to Columbus and Augusta to Savannah, safe drivers in Georgia can get affordable car insurance with Root. Download our mobile app today to start your test drive. If you’re a good driver, you could save hundreds.

How it works

Typically, car insurance companies base your rate on your demographic data, like your age, marital status, and ZIP code. We don’t think that’s fair. That’s why Root bases your auto insurance rate primarily on how you drive, not who you are.

Orange Root logo

Download the app

Visit the App Store or Google Play. Sign up in less than a minute.

White outline of a car surrounded by black circle

Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

White outline of a driver's license in black circle

Get your quote

You can customize and purchase your policy, all in the Root app.

State requirements for car insurance in Georgia

What are the minimum auto insurance requirements in GA?

To legally operate a vehicle in Georgia, you must carry Liability insurance. If you’re found driving without insurance, your driver’s license could be suspended. To avoid serious expenses in the event of a major accident, you should consider coverage that protects you, your passengers (Medical Payment or Personal Injury Protection), and your vehicle (Collision and Comprehensive). However, Liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Georgia.

Liability coverage

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.

Minimum liability insurance in GA:

  • $25,000 for Bodily Injury (per person)

  • $50,000 for Bodily Injury (per accident—multiple people injured)

  • $25,000 for Property Damage

Uninsured and Underinsured Motorist coverage

UM/UIM coverage helps if you’re in an accident with someone who is uninsured or does not have enough insurance to cover the full cost of damage. In Georgia, we’re required to offer this coverage on your auto insurance quote. However, you can choose whether or not to purchase it. We make it easy to choose your coverage in our app.

What other coverages does Root offer?

Black and white starburst icon indicating a car accident


Black and white icon indicating a car surrounded by flood waters


(including glass coverage)

Black and white red cross icon

Medical Payments


Black and white shield icon

Personal Injury Protection

Black and white icon showing a hand holding a key

Rental Car coverage

Black and white icon showing tow hook

Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Georgia?

The average person pays $1,936[1] per year for their auto insurance in Georgia, but many people pay much more—often to make up for bad drivers. Root doesn’t insure high-risk drivers, so Root customers looking to purchase GA insurance could save up to $900 a year.

Orange Root logo

Start saving on Georgia car insurance

Get an auto insurance quote based primarily on how you drive. You could save hundreds.

Get a quote


  1. Annual average rates were compiled in April 2020.

Additional Resources

Car insurance FAQCar insurance coverageRenters insuranceClaimsTest driveReferralsContactInvestor relations
PressBlogTerms and conditionsPrivacy policyApp license agreementUGC privacy noticeWeather related eventsNon-weather emergenciesSitemapDo not sell or share my personal informationManage Cookies

Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.