The Complete Guide to Georgia Car Insurance
Lemonade is on the way to the Peach State and we’ll let you know as soon as we arrive! In the meantime, we’ll help you navigate all things GA car insurance like rates, requirements, and throw in smart shopping tips.
How much does car insurance cost in Georgia?
Car insurance in Georgia averages $184/month for full coverage, but your actual rate depends on where you live, what you drive, and your driving record.
Here’s what drivers pay in major cities:
| City | Average cost of car insurance |
|---|---|
| Atlanta | $254 |
| Augusta | $199 |
| Columbus | $206 |
| Macon | $219 |
| Savannah | $217 |
Source: ValuePenguin
Why is car insurance so low in Georgia?
Georgia drivers face unique risks that drive insurance costs
Uninsured drivers
12.4% of drivers in Georgia are uninsured vs. 13% nationally, lowering costs for everyone else.
Car theft
FBI data shows there were 23,564 reported motor vehicle thefts in 2024 in GA, down 13% from the previous year.
Natural disasters
GA has a relatively moderate FEMA disaster rating of 80, with the highest risks of inland flooding and hurricane, driving up comprehensive coverage costs.
What car insurance do I need in Georgia?
All Georgia drivers must carry minimum insurance coverage to legally drive.
Here’s what the state requires:
| Required minimum coverages for Georgia drivers | Minimum amount required | What’s covered | What’s not covered |
|---|---|---|---|
| Bodily injury liability | $25,000 (per person) $50,000 (per accident) | Medical bills, lost wages, and other costs when you hurt someone else in an accident | Your own injuries, damage to your car, amounts above your policy limits |
| Property damage liability | $25,000 | Damage you cause to other people’s cars, fences, buildings, and property | Damage to your own car, your own property, amounts above your policy limits |
What additional car insurance coverages are offered in Georgia?
Beyond state minimums, these optional coverages provide
extra protection for Georgia drivers
Collision coverage
Pays to repair or replace your car if it's damaged in an accident with another vehicle or object like a fence or guardrail.
Read moreComprehensive coverage
Covers damage to your car from non-collision events like theft, vandalism, hail storms, flooding, or hitting an animal.
Read moreRental car reimbursement
Pays to cover alternative transportation while your car's being repaird. Specific coverage varies by insurer
Read moreWhat does (and doesn’t) car insurance cover in Georgia?
Car insurance protects you financially in many situations, but it does not cover everything.
- Vandalism
- Fire damage
- Weather damage
- Theft
- Injuries to other people
- Damage to property
- Damage from a collision
- Fender benders
- Rental car reimbursement
- Towing
- Roadside assistance
- Windshield damage
Your insurance won’t cover oil changes, engine problems, stolen personal items like your purse, or damage from mudding in the back country
How much car insurance do I need in Georgia?
You need enough coverage to protect yourself financially when accidents happen. If your car needed major repairs, could you afford these local Georgia labor rates? Keep in mind, parts and materials cost extra.
| City | Body repair | Frame repair | Mechanical repair | Paint repair |
|---|---|---|---|---|
| Lawrenceville | $72 | $113 | $148 | $72 |
| Atlanta | $72 | $113 | $148 | $72 |
| Alpharetta | $108 | $153 | $222 | $72 |
| Buford | $80 | $102 | $150 | $80 |
| Powder Springs | $72 | $113 | $148 | $72 |
Source: Caliber
What happens if I drive without insurance in Georgia?
Georgia takes uninsured driving seriously, and the penalties add up fast.
Fines
$25 lapse fee plus $60 reinstatement fee first time. Third offense bumps reinstatement to $160.
Suspension
60 days for first offense, 90 days for second, six months if you keep testing them.
Jail time
Up to one year in jail for any offense – Georgia takes uninsured driving seriously.
What do you need to get a car insurance quote in Georgia?
You’ll need some basic information like your driver’s license number and your car’s VIN, but with the right details handy, getting quotes is quicker than your morning coffee run. Here’s your checklist:
Your Details
- Driver's license number
- Social Security number (for credit check)
Your Car
- VIN number (found on your dashboard or door frame)
- Current registration or title
Your History
- Any accidents or tickets from the past 5 years
- Current insurance company and policy number (if you have coverage)
Your Preferences
- How much coverage you want
- Deductible amount you're comfortable with
- Monthly budget range
How does car insurance work in Georgia?
Think of car insurance as a financial safety net for when things go wrong on the road.
Pick your protection
Shop around and choose coverage that fits your budget.
Make payments
Keep up with monthly payments and you’re covered.
When S%!t happens
File a claim, pay your deductible, and your insurer covers the rest up to your limits.
Georgia car insurance FAQs
Is Georgia a no-fault state?
No, Georgia isn’t a no-fault state. Georgia uses an at-fault system, whoever caused the accident is responsible for damages. If you’re injured, you can file a claim against the at-fault driver’s insurance or take legal action. Georgia uses modified comparative negligence rules.
Do I need insurance to register a car in Georgia?
Yes, auto insurance is required to register a car in Georgia. The state requires minimum liability coverage, verified electronically. You can’t complete registration without active insurance, and coverage must remain in force for the life of the registration.
What are the top risks for driving in Georgia?
Georgia experiences significant issues with speeding and aggressive driving, particularly on highways. Rural roads with inadequate lighting create dangerous nighttime driving conditions, while Atlanta metro area traffic contributes to frequent crashes. Heavy rainstorms can eliminate visibility and create slippery road surfaces.
How long do I have to report an accident in Georgia?
Georgia requires accidents involving injury, death, or property damage over $500 to be reported immediately to police. Law enforcement typically handles the official report when they respond. You should still notify your insurer promptly. Not reporting a qualifying accident can result in fines.
What are the top safety tips for driving in Georgia?
In Georgia, watch your speed, especially on highways where everyone’s flying. Give aggressive drivers plenty of room. Rural roads can be pitch black at night, so drive carefully. When storms roll through, slow down because the roads get slick fast.
All coverage is subject to individual policy limits, terms, and conditions. Any hypothetical examples used in Lemonade editorial content are purely expositional.
*Uninusured driver rate sourced from ValuePenguin: https://www.valuepenguin.com/auto-insurance/uninsured-motorist-statistics sourced February, 2026
**Theft rate sourced from the FBI’s crime data explorer: https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/query sourced February, 2026
***Disaster risk rating sourced from FEMA’s Disaster Resilience Hub: https://resilience-fema.hub.arcgis.com/datasets/national-risk-index-states-expected-annual-loss/explore sourced February, 2026
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