Georgia Car Insurance Requirements

Minimum Coverage Requirements

Georgia requires drivers to carry minimum liability insurance of 25/50/25 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage.

Average Car Insurance Costs in Georgia

Drivers in Georgia typically pay approximately $1,750 per year ($146/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Georgia

State Regulations and Key Rules

Georgia is an at-fault state. Uninsured motorist coverage is required unless specifically rejected in writing. Georgia uses a modified comparative fault rule, meaning drivers less than 50% at fault can recover damages.

What Makes Georgia Unique

Georgia's comparative fault system means that even partially at-fault drivers may recover compensation, making adequate liability coverage important on both sides of an accident.

Uninsured Drivers in Georgia

Approximately 12.4% of drivers in Georgia are estimated to be uninsured.

Risk Factors Specific to Georgia

Atlanta's notorious traffic congestion produces high accident frequency. Tornado risk is significant across much of the state. Coastal Georgia, particularly the Savannah area, faces hurricane and tropical storm risk.

What Georgia’s Minimum Actually Covers

Georgia’s minimum is 25/50/25: $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Georgia

Uninsured motorist coverage isn’t mandatory in Georgia, though insurers generally must offer it and you may have to reject it in writing.

How Georgia Compares: Uninsured Drivers and Price

An estimated 12.4% of Georgia drivers are uninsured — roughly 1 in 8 — a middle-of-the-pack uninsured rate.

Our average premium estimate of $1,750 a year puts Georgia above the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Georgia

Atlanta drivers face some of the highest rates in the state due to traffic congestion and accident frequency — commuters should compare telematics programs carefully. Georgia's good driver discounts can be substantial. Young drivers in Georgia benefit significantly from being added to a parent's policy rather than taking out a separate policy.

• Georgia's minimum liability requirement of 25/50/25 is the legal floor, not a safe target — since PIP isn't required in Georgia, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 12.4% of Georgia drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Georgia?

25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability.

Is Georgia a no-fault state?

No. Georgia is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

How many drivers are uninsured in Georgia?

An estimated 12.4% of Georgia drivers are uninsured, roughly 1 in 8.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.