Georgia Car Insurance FAQ - Quick Answers

The average annual premium for Georgia car insurance is $1,519, which is more expensive than the national figure of $1,311 per year. If you're trying to get the best pricing for your auto policy, consider obtaining quotes with a trusted adviser.

You'll have choices when it comes to your Georgia auto insurance, but some of the most used coverages are:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.

In Georgia, you're required to carry the state minimum liability limits. You are also responsible for an at-fault loss whether you have coverage or not. That means you could have a major out-of-pocket expense without the proper policy in place.

Currently, Georgia has 12.0% of its driving force that are uninsured. This could mean risk for you and your loved ones every time you're on the road. Fortunately, you can add uninsured motorist coverage for proper protection.

Finding the best auto insurance company doesn't have to be a challenge. The highest rated carriers in Georgia are Prime, Travelers, Nationwide, and Progressive insurance companies. These markets are known for their claims handling and excellent customer service.

In Georgia, you are required to carry the the state minimum limits of liability in the amounts of:

  • $25,000 in bodily injury per person
  • $50,000 in bodily injury per accident
  • $25,000 in property damage

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How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

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Bodily Injury Requirements in Georgia

There are bodily injury requirements in almost every state. Georgia is no different and mandates that every driver on the road carry the state minimum limits of coverage.

Bodily injury liability in Georgia must be at least $25,000 per person and $50,000 per accident to comply with local law. This coverage will help pay for medical expenses of another driver that is injured due to your at-fault accident.

Property Damage Requirements in Georgia

You'll need to have the minimum limits of property damage liability in most states. In Georgia, you'll be required to carry $25,000 in property damage liability to meet state guidelines.

Most of the time, insureds opt for more coverage due to the high price of vehicles these days. When you're involved in an at-fault accident, you'll be responsible for damage to another party, and that's exactly what property damage liability covers.

Personal Injury Protection Requirements in Georgia

In Georgia, personal injury protection is not required by law, but you may want to consider medical payments coverage. This protection provides insurance for your medical expenses if you're involved in an at-fault accident and have injuries.

Most insureds are not aware that they won't have coverage for there own medical bills without adding medical payments insurance. The amount of coverage you'll need can be decided with the help of a local expert.

Uninsured Motorist Coverage in Georgia

When searching for car insurance, consider uninsured motorist coverage. This limit is not required in Georgia, but it's necessary for complete protection. 

Uninsured motorist insurance pays for damage or injury you sustain from an accident with an uninsured driver. Even though car insurance is a requirement, not all drivers comply. In Georgia, 12.0% of the driving population is without coverage.


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Optional Car Coverage in Georgia

You'll have options on car insurance when it comes to picking out coverages. Collision insurance and comprehensive insurance will help pay for damage to your vehicle resulting from a covered claim.

You can also add rental car reimbursement for when you need a replacement vehicle when yours has been damaged. Roadside assistance is another option for when you are stranded on the side of the road and need a tow or tire change.

Car Insurance Discounts to Ask for in Georgia

In order to get discounts on car insurance, you'll need to know what they are. A big one to consider is having more than one policy with the same carrier for a multiple policy discount. This one could save you 30% or more on coverage. 

When you're in a teachers union, government agency, or attorney group, you can get discounts for being a part of an association. And if you've been with the same insurance company for a number of years, there's usually a loyalty discount you could qualify for.

How to File a Car Insurance Claim in Georgia

When it comes to reporting a car insurance claim, it can be overwhelming. Remember these 4 easy steps for filing a loss in Georgia for the best experience in a tough situation.

First, make sure everyone is safe and medical attention is sought when necessary. Second, report the claim to your independent insurance agent. Third, obtain the claim number assigned and get a rental vehicle if needed and if coverage allows. Last, meet with your adjuster and collect payment.