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.
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 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 is the average cost of car insurance in Georgia?
The average person pays $1,936 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.
Insure.com. Annual average rates were compiled in April 2020.
Georgia Insurance (not a government agency)