Georgia demands all drivers buy at least $25,000 bodily injury liability coverage per person, up to $50,000 per accident, and $25,000 for property damage liability. State law requires that you be offered uninsured/underinsured motorist bodily injury and uninsured motorist property damage but allows you to reject them in writing.
Georgia driver's license points system has a couple of unusual details:
- No points are assessed for speeding convictions of less than 15 mph over the posted speed limit.
- The state's relatively new Super Speeder law levies an additional $200 fine for anyone convicted of speeds of 85 mph or more (75 mph on a two-lane road).
A clean driving record pays off here. Georgia state law requires a 10 percent discount to drivers age 25 or older who have a clean driving record for three years prior and no at-fault accidents and complete an approved defensive driver course. Drivers under 25 can get a 10 percent discount for three years if they complete classroom and practical training.
Non-renew for accidents: Georgia auto insurance companies are permitted to non-renew a policy if an insured driver has more than one at-fault accident in the past three years or claims payments that total $750 or more.
Uninsured motorist penalties for Georgia: You may be fined $200 to $1,000, be sentenced to one year in jail, have your license and registration suspended and be required to file an SR-22 form.
Largest car insurance companies in Georgia by market share
||Company / Group
||Premiums Written ($)
||Market Share (%)
||State Farm Group
||Progressive Insurance Group
||Allstate Insurance Group
||Berkshire Hathaway Insurance
||Liberty Mutual Insurance Companies
||GA Farm Bureau Group
||Auto-Owners Insurance Group
|Source: A.M. Best market share rankings are based on direct premiums written in 2013.