Car Insurance in Georgia

Car insurance is a necessary expense for every driver in Georgia. Understanding the different types of coverage available, as well as the minimum requirements for each, can help you make informed decisions about your car insurance policy. In this article, we’ll discuss everything you need to know about car insurance in Georgia.

Minimum Requirements for Car Insurance in Georgia

Georgia law requires all drivers to carry minimum liability coverage in the event they cause an accident resulting in bodily injury or property damage. The minimum requirements for car insurance in Georgia are:

Minimum Limits
Bodily Injury Liability
$25,000 per person / $50,000 per accident
Property Damage Liability
$25,000 per accident

If you’re caught driving without insurance in Georgia, you can face fines, license suspension, and even jail time. It’s important to make sure you have the minimum required coverage at all times.

Additional Coverage Options

While the minimum liability coverage is all that’s required by law, there are additional coverage options available to better protect you and your vehicle. Some common additional coverage options include:

  • Collision coverage
  • Comprehensive coverage
  • Uninsured/Underinsured motorist coverage
  • Rental car reimbursement
  • Towing and labor coverage

Collision Coverage

Collision coverage helps pay for damages to your vehicle in the event of an accident, regardless of who is at fault. This coverage may also cover damages caused by hitting a pothole, tree, or other object.

When purchasing collision coverage, you’ll typically be required to choose a deductible amount. This is the amount you’ll be responsible for paying out of pocket before the insurance coverage kicks in.

Comprehensive Coverage

Comprehensive coverage provides protection for damages to your vehicle that aren’t caused by an accident. For example, if your car is stolen or vandalized, comprehensive coverage can help cover the cost of repairs or replacement.

As with collision coverage, you’ll be required to choose a deductible amount when purchasing comprehensive coverage.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured motorist coverage provides protection for you and your vehicle in the event you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.

This coverage can also help cover damages caused by hit-and-run accidents.

Rental Car Reimbursement

If your vehicle is in the shop for repairs following an accident, rental car reimbursement coverage can help cover the cost of renting a replacement vehicle.

It’s important to note that this coverage typically has a daily limit and a maximum total reimbursement amount.

Towing and Labor Coverage

Towing and labor coverage can help cover the cost of towing your vehicle following an accident or breakdown. It can also help cover the cost of on-site labor, such as changing a flat tire or jump-starting a dead battery.

As with rental car reimbursement coverage, towing and labor coverage typically has a limit on the amount of coverage provided.


How do I get car insurance in Georgia?

You can purchase car insurance through a licensed insurance agent or broker. You can also purchase insurance online through a variety of insurance providers.

What if I can’t afford car insurance?

If you’re unable to afford car insurance, you may be eligible for assistance through the Georgia Automobile Insurance Plan. This program provides insurance to high-risk drivers who are unable to obtain coverage through traditional insurance providers.

What happens if I’m in an accident and don’t have insurance?

If you’re involved in an accident and don’t have insurance, you may be held responsible for the cost of damages to the other party involved in the accident. You may also face fines, license suspension, and even jail time.

Do I need to carry proof of insurance with me?

Yes, Georgia law requires you to carry proof of insurance with you at all times while driving. This can be in the form of a physical insurance card or an electronic version on your phone.

How do I choose the right insurance provider?

When choosing an insurance provider, it’s important to shop around and compare quotes from multiple providers. You should also read reviews from current and past customers to get a sense of the provider’s reputation.

Ultimately, you’ll want to choose a provider who offers the coverage you need at a price you can afford.


Car insurance is an important consideration for every driver in Georgia. By understanding the minimum requirements for coverage and the additional coverage options available, you can make informed decisions about your policy.