Is Georgia a no-fault state?

No, Georgia uses an at-fault (tort) system for auto insurance claims, which means the driver who causes an accident is financially responsible for the resulting injuries and property damage.

How do I lower my car insurance in Georgia?

Keeping a clean driving record can help lower your car insurance premium . You may also qualify for discounts in Georgia for paying your policy in full, going paperless, or getting a quote online.

What happens if my auto insurance lapses in Georgia?

In Georgia, your insurance status is monitored electronically, so a coverage lapse will be flagged quickly. A lapse may lead to fees, suspension of your vehicle registration, and passing reinstatement requirements before you can legally drive again. It can also raise your rate, and in some cases, require an SR-22 to show proof of coverage. Keeping continuous coverage helps you avoid these penalties.

Georgia car insurance

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Getting car insurance in Georgia

Georgia drivers deal with everything from heavy traffic around Atlanta to storms blowing in off the coast, and your coverage should hold up to all of it. Progressive helps drivers stay covered with flexible options, transparent pricing, and tools to help you compare coverage and find the right policy for you.

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Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in Georgia?

Georgia currently requires drivers to carry the following auto insurance coverages.

Coverage	What it covers	Minimum amount
Bodily injury liability	What it covers Injuries you cause to others in an accident	Minimum amount $25,000 per person $50,000 per accident
Property damage liability	What it covers Damage you cause to someone else's vehicle or other property in an accident	Minimum amount $25,000 per accident

Georgia also requires insurers to offer uninsured/underinsured motorist coverage, but you may reject this coverage or choose lower limits in writing.

Coverage	What it covers	Minimum amount
Uninsured/underinsured motorist bodily injury	What it covers Injuries caused by uninsured or underinsured drivers	Minimum amount $25,000 per person $50,000 per accident
Uninsured/underinsured motorist property damage	What it covers Damage to your property caused by uninsured or underinsured drivers	Minimum amount $25,000 with a deductible

Georgia only requires the minimum coverage limits, but carrying more can give you a stronger financial cushion if you're in a serious accident. See how much car insurance you may need for your situation.

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Car insurance discounts in Georgia

Car insurance discounts in Georgia can help lower your rate based on how you drive, the vehicle insured, and how you manage your policy. Progressive offers a variety of discounts to help Georgia drivers get a better deal on car insurance. Popular discounts available in Georgia include:

Multi-car
Save when you have more than one vehicle listed on your policy. You can add any car to your auto policy as long as it's kept primarily at your address.
Multi-policy
Save when you have two or more policies with Progressive. For example, if you carry auto and boat insurance with us, you'll enjoy a discount on your auto policy.
Homeowner
Save just for being a homeowner. You'll qualify for this discount even if your home isn't insured through Progressive's network of home insurers.

What is the average cost of car insurance in Georgia?

For a liability-only policy from Progressive, car insurance costs an average of $165.02 per month in higher-cost states like Georgia.^† That amount is based on one vehicle and one driver, and your premium will vary with coverages and limits you choose. Your rate also depends on factors unique to you, including where you live, your driving history, and the discounts you qualify for.

Factors that impact your auto insurance rate in Georgia

There are many things that impact how much you pay for auto insurance in Georgia, including:

Driving history: Tickets, accidents, and past claims can affect your rate.
Vehicle type and value: Your car's make, model, age, safety technology, and repair costs are factored into your rate, especially if you have comprehensive and collision coverages. Higher vehicle values can lead to higher claim costs.
Location: Traffic density, accident frequency, theft rates, and local weather conditions vary across the state. Metro areas like Atlanta and Savannah may see higher claim frequency, which can lead to higher rates.
Coverage choices and deductibles: The coverages you select, your limits, and your deductible amounts affect your premium.

Recommended additional auto insurance coverages in Georgia

Georgia requires drivers to carry bodily injury and property damage liability coverage, but these coverages may not cover all costs after an accident. Adding optional coverages offers extra protection, can help fill gaps in your policy, and gives you peace of mind:

Coverage	What it covers
Comprehensive	What it covers Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events
Collision	What it covers Cost to repair your vehicle if it overturns or collides with another vehicle or object

Georgia driving resources

Learn more about Georgia's driving laws and insurance requirements. Keep in mind that local governments may have additional rules or requirements.

Georgia Department of Driver Services (DDS): The official hub for driver licensing, ID cards, license renewals, and Georgia driving requirements.
Georgia Department of Revenue, Motor Vehicle Division: Where Georgia drivers register vehicles, renew tags, and where insurance status is verified electronically.
Georgia Traffic Codes: The state's official reference for Georgia's traffic laws and road rules.
Georgia Office of Insurance and Safety Fire Commissioner: The state agency that licenses and regulates insurers in Georgia. Visit for consumer protection resources, complaint filing, and guidance on your rights as a policyholder.

How to get car insurance in Georgia with Progressive

Progressive makes it easy for Georgia drivers to compare coverage options, and get a competitive auto insurance quote.

Go online

We ask easy questions, and you customize your coverages.

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Call a rep

Talk with a licensed representative who can guide you through the process.

Call 1-855-347-3939
Through an agent

Connect with an independent agent in your area.

Find an agent in Georgia

Georgia car insurance FAQs

No, Georgia uses an at-fault (tort) system for auto insurance claims, which means the driver who causes an accident is financially responsible for the resulting injuries and property damage.
In Georgia, your insurance status is monitored electronically, so a coverage lapse will be flagged quickly. A lapse may lead to fees, suspension of your vehicle registration, and passing reinstatement requirements before you can legally drive again. It can also raise your rate, and in some cases, require an SR-22 to show proof of coverage. Keeping continuous coverage helps you avoid these penalties.