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Georgia Car Insurance Rates

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

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

Georgia Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Georgia
  • 30310: $2,048
  • 30316: $2,039
  • 30315: $2,029
  • 30314: $2,001
Cheapest Neighborhoods
In Georgia
  • 31602: $1,345
  • 31698: $1,345
  • 31632: $1,345
  • 31601: $1,345

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What you need to know about car insurance in Georgia

Penny Gusner
Consumer Analyst

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.

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