Georgia
Georgia

Discover how much you can save on Georgia car insurance.

Download the app. Take a test drive around the Peach State. Get a free quote.

Why choose Root for your Georgia car insurance policy?

Georgia is one of the largest of the U.S. states east of the Mississippi River. (And that makes for a lot of driving.) So it’s a good thing Root car insurance is now available to Georgians. From Atlanta to Savannah, Augusta to Columbus, we’re bringing fair car insurance to good drivers in the Peach State. Just download the Root app. Take the test drive. And see if you could save up to 52%.

What makes Root different from traditional insurers in Georgia?

We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for a few weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your eligibility for a customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to $100/month.

Root is disrupting the broken insurance system by bringing fairness and ease to customers across the state.

It’s a good time to be a good driver in Georgia.

Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the best drivers of Georgia.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in Georgia?

To legally operate a vehicle in Georgia, you must carry liability insurance. If you’re found driving without it, your driver's license could be suspended.

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 Medical Payments coverage is for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in GA:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)
  • $25,000 Property Damage

Uninsured and Underinsured Motorist Coverage (UM/UIM)

Uninsured and underinsured motorist coverage will help pay for your expenses when you've been in a car accident with a driver who doesn’t have car insurance or whose car insurance amounts won't adequately cover your costs. Insurance companies in Georgia are required to offer this coverage as part of your policy. However, you can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required uninsured/underinsured motorist coverage:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Rental Reimbursement Coverage
  • Roadside Assistance Reimbursement Coverage (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

When do you need to show proof of insurance?

In Georgia, a physical car insurance ID card is required as your proof of insurance. All government agencies, including law enforcement officers performing a traffic stop, will not verify electronically that you have valid car insurance through the Georgia Electronic Insurance Compliance System (GEICS). Instead, your paper card is required.

What are the fines and penalties if you’re caught without insurance?

Through GEICS and the Georgia Registration and Title Information System (GRATIS), the Georgia Department of Driver Services (DDS) will be notified of any change in your car insurance status. If your car insurance is canceled and you don’t replace it, the DDS will send you a notice to comply with Georgia's car insurance laws. You could face penalties such as fines and driver's license suspension. You won’t be able to register your car or renew your car's registration if GEICS shows you don’t have a current auto insurance policy.

What about driver's license suspensions?

Driving without insurance is illegal. And the fees and hassles that happen if you’re busted really add up. To reinstate your license, you must wait a minimum of 60 days, purchase at least the minimum coverages, and pay a reinstatement fee via mail or in person to your local DDS office.

After a second offense, you must wait 90 days, file a Georgia Safety Responsibility Insurance Certificate (SR-22A, which Root does for free), and pay a reinstatement fee via mail or in person.

What is the average cost of car insurance in Georgia?

The average Georgian pays $1,4402 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $1,142 per year, on average.

What our customers tell us

Root car insurance app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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