Cheap Car Insurance in Georgia

Known as the Peach State, in Georgia you’ll find different places and landmarks, from large vibrant cities to relaxed small towns—from the mountains of North Georgia, the Okefenokee Swamp, and the Blue Ridge Parkway, to the Atlantic coastline around Tybee and Jekyll Island. 

In this state, you have the freedom to spend your weekends exploring historic squares in Savannah, or going to a concert or game in Atlanta, driving I-75 or I-85 to visit family, or heading out on back roads through farmland and pine forests. 

With so many things to do both on and off the road, you need to be protected, and Acceptance shields you with the best cheap car insurance in Georgia, so you can drive with peace of mind in the hot, humid summers, heavy rainstorms, and mild winters. Having coverage is not only a legal requirement, it’s protection for your safety and finances. Our agents can help you find a policy tailored to your needs. 

How much is car insurance in Georgia? For the minimum car insurance requirements in Georgia, a typical driver might pay around $1,046, while for full insurance that includes collision and comprehensive coverage, the average cost is $2,909. 

Although these prices are higher than the national averages of $820 for liability insurance and $2,697 for full car insurance, the Peach State still ranks in the middle range in terms of costs—it’s usually not the cheapest in the country, but it’s not consistently at the top of the price charts either. Cost of living, repair markets, and a large metro area like Atlanta all factor into these numbers. 

Keep in mind that your final rate will depend on various factors that we will explain throughout this guide, including your age, gender, and more. 

What Is the Average Premium for Cheap Full Coverage Car Insurance in GA?

Georgia drivers pay an average of $242 monthly for full coverage. Full insurance includes liability (which drivers are free to increase from the required minimum), plus collision and comprehensive coverage.  

Georgia is an at-fault state, which means the insurance company for the driver who causes a crash is responsible for paying the other party’s damages, up to policy limits. Full coverage can help you repair or replace your own car after a covered accident or covered non-collision event, which is especially important if you have a newer or financed vehicle. 

For example, collision insurance kicks in to pay for repairs (or replacement) if your vehicle is damaged in a collision with another vehicle, a fence (or other object) or even if the accident is a single-vehicle rollover. It does not matter if you caused the accident, but it does have a deductible. 

Comprehensive also has a deductible. Except for hitting a wild animal, this protection is for damages that occur when you aren’t driving. For example, a hailstorm or a tree limb that falls on your car while it is parked. This will also replace your vehicle if it is stolen.  

If you want more peace of mind, talk with an agent about the type of auto insurance that makes sense for you. 

How Much Does Liability Insurance or Minimum Required Auto Coverage Cost in GA?

For the most basic required liability, an average driver with a squeaky-clean record may be able to get away with roughly $87 per month. Most drivers decide to increase the minimum levels for enhanced protection. That’s because your liability insurance helps to pay for injuries and damages other people suffer if you cause an accident. If your liability insurance is insufficient, you’ll be forced to pay for the rest out of pocket. If you don’t have the money, your assets may be seized. 

Additionally, remember that liability insurance will never cover your own injuries and damages. If you cause an accident and you do not have collision insurance, you’ll be paying for all of that out of your own pocket, too. 

Picture a rainy day on I-285 around Atlanta. Traffic slows suddenly, you brake a little late, and tap the car in front of you. If that driver is injured or drives a newer, more expensive vehicle, the total cost of the claim can add up fast. With only the minimum liability limits, you could be personally responsible for any amount above your policy limits. 

If you’re shopping for the cheapest liability insurance in Georgia, a local agent can help you compare options and find a balance between affordability and protection. 

How do Rates Compare Across Georgia’s Major Cities

Location is just one factor insurers use to generate a policy cost, but it can be a big one. For example, congested cities where accidents are more frequent and vehicle crime is higher, rates may be higher than for drivers in more rural areas. Here are some average rates for some of Georgia’s cities.

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Georgia. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

What are Some Car Insurance Discounts in Georgia?

Finding good ways to save money on your auto insurance is always as sweet as a Georgia peach! Be sure and ask your independent agent what discounts you qualify for, as well as checking back with them if your circumstances change. For example, if you retire or begin working from home, you may be able to qualify for a low-mileage discount.  

Here are some of the best discounts for car insurance in Georgia: 

Understanding Different Types of Auto Insurance Coverage

• Bad Credit: Insurance options made for drivers with less-than-perfect credit, helping you find coverage that won’t break the bank. 

• High Risk: Budget-friendly plans designed for drivers with a rough driving history or those who need special coverage like DUI or SR-22 insurance in Georgia. 

• Liability: The most affordable type of auto insurance that covers damage or injuries you cause to others—something most states legally require. 

• Non-Owner: Liability protection for people who don’t own a car but still get behind the wheel from time to time. 

• Non-Standard: Insurance for drivers who don’t fit the usual criteria, whether it’s because of age, past driving records, or other reasons. 

• Senior: Policies and discounts tailored especially for older drivers, keeping their unique needs in mind. 

• SR-22: A special insurance certificate often required after serious traffic offenses to prove you’re insured. 

• Teenager: Coverage designed with young and new drivers in mind, helping keep costs more manageable as they get on the road. 

Georgia is an at-fault state. As such, it requires you to carry a minimum amount of liability insurance to help pay for any injuries or damage in a wreck you cause. Keep in mind, liability-only will not pay for your own damages and repairs.

What are Mandatory Vehicle Insurance Requirements in Georgia?

State-required car insurance in the Peach State include: 

• Bodily Injury Coverage per Person: $25,000 

• Bodily Injury Coverage per Accident: $50,000 

• Property Damage Per Accident: $25,000 

Once you have a policy, this information is reported to the state. If your policy lapses – even for one day – your insurer is required to also report that to the state. If you get stopped for any reason or if you are involved in an accident, even one that is not your fault, the police will know you do not have insurance. The consequences can be harsh, including assigning you at least part of the blame for the wreck even if you were completely innocent. 

What Happens if You are Caught Driving Without Insurance in GA?

Penalties for driving without insurance in Georgia can be quite severe: 

• If you are reported to the DMV for not having insurance, your license may be suspended. 
• You won’t be able to register your vehicle or have your license reinstated until you pay a fine, typically ranging from $85 to $100. 
• The fine increases up to $160 if you commit a second offense within five years. 
• You may be charged with a misdemeanor, which carries fines of up to $1,000. 
• If the violation happens again, you may be required to file an SR-22 certificate with the state. 
• This filing signals to insurance companies that you are a high-risk driver, often resulting in higher insurance premiums. 

What Factors Does Georgia Law Allow in Determining Your Insurance Premiums?

As mentioned, underwriters use many factors to determine your insurance premium. Some of these are under your control and some of them are not. Some are unique to you, which is why it can be hard to find two people with the same rate, even if most things seem the same.

Seven common factors insurers look at include:

1. Driving record
2. Claims history
3. Credit Score
4. Location
5. Type of Vehicle
6. Age
7. Gender

You have some influence over the first five and none over the last two. There are ways you can lower your car insurance premiums, however, including making use of discounts (as mentioned above) and choosing a higher deductible and lower coverage limits. At Acceptance, our friendly, local agents have experience at finding the perfect balance so your policy fits you like a glove.

Am I Required to Report an Accident in Georgia to Authorities?

According to Georgia law, you are required to report an accident if someone is injured or killed or if property damage is greater than $500 as soon as possible. Given today’s repair shop costs, $500 won’t cover much more than a bent fender, so it’s probably a good idea to just call 9-1-1 if you get into an accident.

Since you don’t want to get into a he said-she-said situation with another driver, a police report and witness statements, plus photos, are your best bet.

In some parts of Georgia, congestion can play a role in causing frustrating and longer driving time, like some of Atlanta’s busiest interchanges. In other parts of the state, a slower, more rural pace is the norm. As far as weather challenges are concerned, rain is the biggest threat overall, but upper mountain areas may be hit with snow and wind. Areas closest to the coast are subject to hurricanes.

How Many Car Accidents Happen in Georgia?

According to the Georgia Department of Transportation, a total of 367,523 crashes were recorded in the Peach State in 2024, of which 1,494 were fatal, resulting in 1,596 deaths. Given these numbers, it is recommended to always avoid driving distractions and to obey seat belt laws. Besides being important for your safety, this also helps you maintain affordable auto insurance in Georgia. 

How Many Drivers are Uninsured/Underinsured Motorists in GA?

In 2023, according to data from the Insurance Information Institute, the Peach State ranked as the eleventh state with the highest percentage of uninsured drivers, reaching 19% of all motorists. Because of this, although uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) are not mandatory in Georgia, it’s a smart choice for those who want to protect themselves financially.

If you get hit by a driver who has no insurance or insufficient coverage, you might end up paying for repairs and medical bills yourself. You can take legal action, but if the other driver doesn’t have assets, you may not receive any compensation. UM is an affordable add-on that can really come through by covering those expenses.