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Georgia Car Insurance


It's probably no surprise that bustling Atlanta -- home of the world's busiest airport -- also has Georgia's highest car insurance rates. The same driver would pay one-third less for car insurance by moving from southwest Atlanta to Valdosta, about three hours south on I-75. You can see how all Georgia's state car insurance rates stack up in the map below.

Georgia Car Insurance Requirements
Average Car Insurance Rates in Georgia
Points/Penalties in Georgia
Car Insurance Companies in Georgia

Georgia car insurance requirements

Georgia state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability: $25,000

What you need to know about car insurance in Georgia

Penny Gusner
Consumer Analyst

Georgia Car Insurance Laws

Uninsured/underinsured motorist: 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.

Discounts for a clean record: 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.

SR-22A: The SR-22A, a document showing proof of financial responsibility, is similar to an SR-22 but only used in Georgia, Texas and Missouri. In Georgia it is usually used by repeat violators of financial responsibility laws.

No grace period: Georgia does not have a grace period for car insurance. This means you must have insurance on the vehicle you buy, either from a dealership or private individual, before you drive away with it.

Electronic proof of insurance: Georgia is one of 31 states that allow drivers to show proof of insurance on a smartphone during a traffic stop.

Points/penalties in Georgia

Expired license: Driving with an expired license in Georgia is a misdemeanor and fines range widely from under $100 up to $1000.

Driver's license points: 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).

Points for even minor violations stay on your driving record for 24 months in Georgia.

Largest car insurance companies in Georgia by market share

Rank Company / Group Premiums Written ($) Market Share (%)
1 State Farm Group 1,325,167 22.76
2 Progressive Insurance Group 701,666 12.05
3 Allstate Insurance Group 676,707 11.62
4 Berkshire Hathaway Insurance 580,892 9.98
5 USAA Group 440,825 7.57
6 Liberty Mutual Insurance Companies 299,832 5.15
7 Nationwide Group 205,154 3.52
8 GA Farm Bureau Group 187,599 3.22
9 Travelers Group 141,277 2.43
10 Auto-Owners Insurance Group 112,522 1.93
Source: A.M. Best market share rankings are based on direct premiums written in 2013.

Car Insurance in Georgia Cities