Free Georgia Car Insurance Quotes
Looking for car insurance in Georgia? From metro Atlanta’s busy interstates to the quieter backroads of the coastal plain, Georgia drivers cover a lot of ground. Whether you’re comparing quotes, moving to the Peach State or reviewing your current coverage, understanding Georgia’s car insurance requirements, coverage options and average costs can help you make informed decisions. Farmers Flex® Personal Auto offers flexible coverage options designed for how you drive. Get a free car insurance quote in Georgia today.
What car insurance is required in Georgia?
Georgia law requires drivers to carry the following minimum coverage types (often shown as 25/50/25):
| Coverage | Minimum | Why it matters |
|---|---|---|
| Bodily injury liability (BI) | $25,000 per person/ $50,000 per accident |
Helps pay for injuries you cause to others while driving |
| Property damage liability (PD) | $25,000 per accident | Helps pay for repairing or replacing others’ property you damage while driving |
According to the Georgia Office of Insurance and Safety Fire Commissioner (GOCI), drivers must carry at least the minimum amounts of bodily injury liability and property damage liability coverage to legally drive in Georgia. Uninsured/underinsured motorist (UM/UIM) coverage is automatically included with Georgia auto liability policies, but you may reject it in writing — it is not a separate required minimum.
Check other insurance options for Georgia
Additional Georgia auto insurance coverages to consider
A Farmers Flex Personal Auto policy goes beyond the basics, offering a wide range of optional coverages and features to help you tailor your policy to suit your lifestyle.
Comprehensive
Comprehensive coverage, also known as “other than collision” coverage, can help pay for losses or damage to your car caused by theft, vandalism, hail, wind, fire, animals and more. Georgia’s mix of severe thunderstorms and deer-related collisions makes this coverage worth considering.
Collision
When you’re in an accident, including collisions with other vehicles or objects, collision coverage can help pay to repair or replace your vehicle.
Uninsured/underinsured motorist (UM/UIM)
UM/UIM coverage can help pay for your medical costs if you’re hit by a driver who doesn’t have insurance or doesn’t have enough to cover your expenses. Georgia automatically includes UM/UIM coverage with auto liability policies, but you can reject it in writing.
Medical payments (MedPay)
If you or your passengers are injured in an accident — no matter who is at fault — medical payments coverage can help pay for the cost of medical care. Georgia doesn’t require MedPay, but it’s available as an optional add-on.
Read more about other optional policy features and coverages:
- Accident forgiveness
- Declining deductibles
- Enhanced roadside and ride assistance
- Vehicle replacement plus
- Rental coverage or rental alternative coverage
- New original parts
- $100 glass deductible
How much does car insurance cost in Georgia?
Georgia drivers paid an average of $1,746 a year for auto insurance, more than the national average of $1,438, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums have changed in most states since that data was collected. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
How to lower your car insurance cost in Georgia
Farmers® offers a variety of discounts for eligible drivers in Georgia. Here are a few examples of how you might lower your premium:
Multi-Vehicle Discount
If you insure more than one vehicle on your Farmers policy, you may qualify for a discount on each one. It’s a simple way for Georgia households with multiple cars to lower their overall insurance costs.
Youthful Driver Discount
Adding a young driver to your policy can raise your premium, but if they’re a student who maintains good grades, they may be eligible for a discount that helps offset that increase.
Welcome Discount
New to Farmers? You may qualify for a discount just for switching to a Farmers auto policy. It’s one of the easiest ways to start saving from day one.
Loyalty Discount
The longer you stay with Farmers, the more you may save. Loyal customers who maintain continuous coverage may qualify for a discount that grows over time.
Five-Year Accident-Free Discount
If you’ve gone five years without an at-fault accident, you may qualify for this discount — a reward for your consistent safe driving on Georgia roads.
Signal®
Signal is the Farmers safe driving app, and it can reward you with an initial discount just for signing up, plus additional savings based on your driving behavior. It’s an easy way to turn safe habits on Georgia roads into lower rates.
Georgia auto insurance bundling discounts and benefits
Bundling insurance can help you save money and time — and avoid accidental gaps in coverage. Bundling a Farmers car and home policy can save you up to 10% or more off both. Beyond the savings, bundling insurance simplifies things, too. You’ll have one insurer and one point of contact if you ever need to file a claim. To explore even more bundling options — including condo, RV, life and umbrella policies — talk to a Georgia Farmers agent about how much you could save.
Fun fact: World’s largest drive-in restaurant
The Varsity in downtown Atlanta is the world’s largest drive-in restaurant, spanning two city blocks with room for 600 cars in its lot. Open since 1928, it serves around 15,000 people a day, and some 30,000 on Georgia Tech game days. — The Varsity
Factors that affect your Georgia car insurance rates
While every insurer uses its own rating methods, premiums in Georgia are often based on your level of risk, the vehicle you drive and where you live. You may be able to lower your premium by maintaining a safe driving record, choosing a higher deductible, qualifying for discounts or bundling your auto policy with other insurance coverage.
Factors that may affect your car insurance rate in Georgia include:
- Your age and driving experience
- Your driving record and claims history
- The type, value and safety features of your vehicle
- How much you drive each year
- Your ZIP code and local accident or theft rates
- The coverage limits and deductible you choose
- Available discounts, such as bundling policies
How to get an auto insurance quote in Georgia
Have this information at your fingertips to help make getting a Georgia car insurance quote quick and easy. You can start a free quote online with Farmers FastQuote® or connect with a local Farmers agent.
Drivers and household details
- Name and date of birth
- Address and phone number
- Driver’s license number
- Household occupants (drivers and nondrivers), ages and driving history
- Commute, including how many miles, how often, what hours
- Current insurance information
Vehicle information
- Make, model, year
- License plate number
- Vehicle identification number (VIN)
- Current mileage/odometer reading
- Purchase date
- Loan or lease documentation (if applicable)
How much car insurance do I need in Georgia?
Georgia requires all drivers to carry minimum bodily injury liability of $25,000 per person and $50,000 per accident, plus property damage liability of $25,000 per accident (often shown as 25/50/25). These are the legal minimums, but many drivers choose higher limits to better protect their finances after a serious accident. Talk to a Farmers agent about coverage levels that fit your situation.
Is Georgia a no-fault state?
No. Georgia is an at-fault state, which means the driver who causes an accident is generally responsible for injuries and property damage. That’s different from no-fault states, where personal injury protection (PIP) coverage helps pay certain costs regardless of who’s at fault. Georgia doesn’t require PIP or medical payments (MedPay) coverage, but MedPay may be available as an optional add-on to help pay medical costs for you or your passengers after a covered accident, no matter who caused it.
How long can you go without car insurance in Georgia?
Georgia law grants no grace period for driving without insurance. The state requires vehicle owners to maintain continuous auto insurance coverage for as long as a vehicle is registered. Your insurer is required to report any lapse in your policy, and the Georgia Department of Driver Services (GDDS) can suspend your registration or license as a result. Reinstatement can involve fees and, depending on the situation, filing an SR-22 or SR-22A certificate of financial responsibility and maintaining it for a specific period. Requirements vary by case; contact the DDS or a Farmers agent if your coverage has lapsed.
What is the minimum car insurance required in Georgia?
Georgia requires drivers to carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $25,000 per accident in property damage liability coverage, often expressed as 25/50/25. UM/UIM coverage is automatically offered alongside auto liability policies in Georgia, but you may reject it in writing.
Get a Georgia car insurance quote online today and compare coverage options to find the right balance of protection and savings.
Learn From Experience
Still have questions about cars and car insurance in Georgia? We have answers.
Unsure whether or not your auto insurance coverage extends to someone who borrows your car or drives your car occasionally? Find your answers here.
Learn at what age car insurance rates go down and explore how age affects your insurance rates and why.
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