Georgia Car Insurance

Q: Is Georgia a no-fault car insurance state?

No. Georgia is a fault state which means an insurance company will require you to show which driver was at fault before the they will pay for vehicle damages, medical bills, etc.

Looking for great car insurance in Georgia? We’ve got you covered with liability, collision, and comprehensive options, plus rental and roadside assistance to make sure you’re always protected and worry-free on the road.

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The Best Car Insurance in Georgia

Our team of agents is committed to helping you find the perfect policy, ensuring you stay compliant with Georgia’s auto insurance requirements while enjoying peace of mind on the road.

Additionally, we pride ourselves on offering coverage options for a diverse range of drivers, no matter their driving records or histories. We work with multiple carriers to provide competitive rates for comprehensive coverage, high liability limits, or state minimums, ensuring you find the perfect policy tailored to meet your insurance requirements and preferences.

Comprehensive Car Insurance Protection

Liability Insurance

Liability insurance is a vital aspect of auto insurance that protects you financially in at-fault accidents.

Comp and Collision

Comprehensive and collision insurance offers extensive protection beyond liability coverage.

Rental and Roadside

Rental and roadside assistance offers coverage for temporary transportation during unforeseen incidents.

Georgia Car Insurance Coverage and Requirements

Navigating the world of auto insurance can be challenging, especially when it comes to understanding the specific coverage requirements in your state. We take time to explain Georgia’s car insurance coverage and requirements to our customers, ensuring they have the knowledge they need to make informed decisions about their policy. From mandatory liability limits to optional coverages that provide additional protection, we’ll help you stay compliant with Georgia’s personal auto regulations.

Minimum Auto Coverages in Georgia:

Type of Coverage (Auto)	Requirements in Georgia
Bodily Injury Liability Bodily injury liability aids in covering the medical costs associated with the harm, or death of people in the event of an accident – not including yourself.	$25,000 limit per person / $50,000 limit per accident
Property Damage Liability Property damage liability aids in covering the costs for repaired damages you caused to another person’s property in the event of an at-fault accident.	$25,000 limit
Uninsured Motorist (UM) Uninsured motorist coverage pays for your medical costs following an accident by an at-fault driver that is uninsured.	UM is not required in Georgia.
Underinsured Motorist (UIM) Underinsured motorist coverage pays for your medical costs following an accident by an at-fault driver that doesn’t have enough liability insurance of their own.	UIM is not required in Georgia.
Medical Payments (MedPay) Medical payments coverage, also known as MedPay, refers to an insurance policy where the insurance company agrees to pay for the necessary medical expenses incurred as a result of injury or death brought on by an accident in a vehicle.	MedPay is not required in Georgia.
Collision Collision coverage helps cover repair and replacement costs to your damaged vehicle following an accident.	Collision is not required in Georgia.
Comprehensive Comprehensive coverage provides additional coverage to your vehicle in the event of a storm, theft, vandalism, and more.	Comprehensive is not required in Georgia.

For more information on auto coverages in Georgia, reference the Office of Commissioner of Insurance and Safety Fire website on auto insurance requirements.

Cheap, Affordable, and Low-Cost Auto Insurance

We have the ability to offer competitive rates based on the insured’s coverage preferences, monthly budget, and more. Keep in mind, discounts are often applied to your total premium amount if you choose to bundle your policies – like home and auto. Remember that bundling is an effective way in keep your car insurance cheap, affordable, and at a low cost.

Other Potential Ways to Save on Your Car Insurance:

Take a safe driving and defensive driving class.
Maintain a good driving record.
Opting for Paperless Billing
Downloading the Insurer’s Mobile App
Submitting Pictures of Insured Vehicles

Woodstock Car Insurance asks the right questions so we can research an affordable auto insurance option for you. Contact us to get started!

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Although it is difficult to pinpoint any single reason why Georgia car insurance is so expensive, it is likely due to several factors that include the number of commuters, parts and repairs getting increasingly more expensive, medical bills becoming increasingly more expensive, the number of uninsured drives, among other reasons.

Is Georgia a no-fault car insurance state?

What is the minimum car insurance in Georgia?

The minimum limits of liability insurance in the state of Georgia are Bodily Injury Liability equaling at least $25,000 per person and $50,000 per accident and Property Damage Liability equaling at least $25,000 per accident.

Do you have to have car insurance in Georgia?

Yes, you do have to have car insurance in Georgia and there are also minimum limits of liability insurance that every Georgia driver must have.

How much is car insurance in Georgia?

The average cost of car insurance in Georgia is approximately $650 for bare minimum coverage and just over $2,000 for full coverage. Of course, premium amounts depend on several factors that include a person’s driver history, credit score, past claims, and so much more.

Does insurance follow the car or driver in Georgia?

Generally, insurance coverage follows the car in Georgia, but there are circumstances where coverage could be denied. These circumstances might include a driver that often borrows a car that is unlisted on the policy, a member of the household that borrows a car that is unlisted on the policy, and whether or not the driver has permission to borrow the car.