Georgia Auto Insurance

Georgia auto insurance laws are fairly straightforward. But that doesn't mean that you don't need to take a close look at your policy details.

This guide:

  • Explains Georgia auto insurance laws and requirements

  • Describes how Georgia car insurance rates are set

  • Shows you how to save money with multiple quotes

Instant Online Quotes:

Save $300-400 or more with discount rates from all major insurance carriers, as well as local companies in Georgia.

Fill out just one form to compare up to five discount quotes.

To start, tell us if you currently have insurance:

Georgia car insurance laws

Georgia is considered a tort state, which means that drivers are financially responsible for the property damage and personal injury they may cause during an auto accident. Liability coverage helps insure you against these costs, and it is required in Georgia.

Georgia auto insurance laws require liability coverage of 25/50/25. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $25,000 for damage you cause to the other party's property.)

However, these are only minimums, and higher levels of protection are strongly recommended, especially if you have assets to protect. After all, accidents can get very expensive, especially if injury is involved.

Georgia auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.

You may want to consider purchasing any or all of these coverages, especially uninsured and underinsured motorist coverages. These policies help cover the cost of your injuries and property damage should you be in an accident with a driver with inadequate liability insurance.

Sidebar
If you are a Georgia resident, you might be able to save on your policy premium by visiting Electric Insurance. Their policies are available only to those drivers whose credit and driving records could be described as being at least good.

After you compare several rates at ComparisonMarket, visit Electric to see if you qualify for any additional discounts.

How Georgia auto insurance rates are set

The price of Georgia auto insurance is decided by the behavior of the state's drivers as a whole. Georgia auto insurance companies take the cost of providing insurance for Georgia drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.

But the cost isn't spread around evenly. Instead, Georgia car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.

Of course, not all insurance companies use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote you different rates.

What this means for you, as an Georgia driver, is that you need to shop around. It's the fastest easiest way to save on an Georgia auto insurance policy. Fortunately, shopping around is easy to do online.

Where you can get Georgia auto insurance quotes.

The following web sites will help you find Georgia car insurance quotes: (these links will open in a new window)

  • ComparisonMarket is the best online insurance shopping service, and it is the place where you are most likely to save $$$ on top-rated coverage.

Click here for your quote.

Others:

• Esurance - a national provider of coverage to all drivers. Big savings if you Quote/Buy/Print online!

  • Netquote is particularly useful if you want a local agent to contact you to help you hammer out the details of your policy, and possibly help you save more money.

  • Electric Insurance a provider with discount rates for good drivers

  • Geico - Like the gecko says: "15 minutes could save you $300 or more on your auto insurance".

  • Get quotes using your ZIP Code! You'll find insurers who offer quotes tailored specifically to your area:

More GA car insurance help

If you want more help designing your GA auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about GA auto insurance laws and regulations, visit the state's official website of the Georgia Insurance and Safety Fire Commissioner.

Want to learn even more?

Then subscribe to our free email course. You'll learn the simple step-by-step process that will help you locate, evaluate, and purchase the best possible auto plan for you and your family. (Or your small business).

Sign up here: