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.
What you need to know about car insurance in Georgia
Penny Gusner CarInsurance.com 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 $200 fine for anyone convicted of speeds of 85 mph or more (75 mph on a two-lane road).
Points for even minor violations stay on your driving record for 24 months in Georgia.
Largest car insurance companies in Georgia by market share
Company / Group
Premiums Written ($)
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.