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

Do You Know What Your Georgia Car Insurance Covers?

Find the Best Car Insurance in Your City

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

CityCommute time (min)Annual insurance cost
Albany17.8$2,112
Alpharetta29.0$2,574
Atlanta27.2$2,208
Augusta21.1$2,172
Columbus20.6$2,574
Decatur27.3$2,916
Douglasville31.2$3,660
Duluth31.3$3,660
Gainesville22.9$2,160
Roswell30.6$2,496
Savannah20.5$2,532
Woodstock35.9$2,064