Georgia requires minimum liability limits of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. Georgia is an at-fault state, so the driver who causes a crash is responsible for the damages.
Georgia minimum car insurance requirements
| Coverage | Minimum | What it does |
|---|---|---|
| Bodily Injury Liability (per person) | $25,000 | Covers injuries to one other person in a crash you cause. |
| Bodily Injury Liability (per accident) | $50,000 | Total injury coverage for everyone you injure in one crash. |
| Property Damage Liability | $25,000 | Pays for other people's vehicles and property you damage. |
What affects car insurance rates in Georgia
- Metro Atlanta congestion: More miles in heavy traffic means more claims. Rates in Fulton, DeKalb, Clayton and Gwinnett run above the state average.
- Vehicle theft and vandalism: Comprehensive claims are higher in and around Atlanta, which affects full-coverage pricing.
- Credit-based insurance scores: Georgia allows insurers to use credit history as a rating factor.
- Severe weather: Hail and storm damage in North Georgia adds to comprehensive costs.
- Driving record and age: Tickets, at-fault accidents and younger drivers raise premiums the most.
How to get cheaper car insurance in Georgia
Start by comparing. A GEICO quote through DriveLower takes about two minutes and shows you a real rate for your ZIP code, not an estimate. Then stack the savings: bundle auto with renters, home or condo coverage, choose deductibles you can actually afford, keep your coverage continuous, and ask us to check every discount you may qualify for, including good driver, multi-vehicle, military, federal employee and good student.
If you're carrying only the state minimum, consider raising your liability limits. The minimums above were set years ago and rarely cover a serious crash today. The difference in premium is often smaller than people expect, and we'll show you both options side by side. Read our guide on liability vs. full coverage and 12 ways to lower your car insurance.
Serving drivers across Georgia
We quote and write GEICO policies for drivers throughout Georgia, including:
- Atlanta
- Savannah
- Augusta
- Columbus
- Macon
- Athens
- Sandy Springs
- Roswell
- Marietta
- Alpharetta
- Valdosta
- Brunswick
- St. Marys
- Kingsland
- Warner Robins
- Albany
Not listed? Every Georgia ZIP code works. Enter yours above to get started.
Coverage available in Georgia
- Auto insurance: liability, collision, comprehensive, UM/UIM, medical payments, roadside and rental.
- Motorcycle insurance and boat insurance.
- Homeowners, condo and renters insurance through the GEICO Insurance Agency.
Georgia car insurance FAQ
What is the minimum car insurance in Georgia?
25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Many drivers choose higher limits because a modern vehicle can cost more than $25,000 to replace.
Is Georgia a no-fault state?
No. Georgia is an at-fault (tort) state. The driver who causes the accident is responsible for the other party's injuries and damage, which is why liability limits matter so much.
How much is car insurance in Georgia?
It depends on where you live, your record, your vehicle and your coverage. Metro Atlanta is generally the most expensive region. The fastest way to find out your number is to get a quote with your ZIP code.
Does Georgia require uninsured motorist coverage?
Insurers must offer it, but you can reject it in writing. Given the number of uninsured drivers, most agents recommend keeping it.
Can DriveLower insure me if I just moved to Georgia?
Yes. You generally have 30 days after establishing residency to register your vehicle and get a Georgia policy. Start a quote with your new ZIP code.