Georgia Car Insurance

Compare rates from 12 car insurance companies in Georgia.

Here's what you need to know when driving in Georgia

Across the Peach State, there are 257,077 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in Georgia

In Georgia, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident
Optional coverage in Georgia (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Liability coverage is legally required in Georgia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Georgia, the minimum is listed as 25/50/25 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Georgia but higher coverage amounts are available with most companies.

Top Georgia Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Georgia?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Georgia you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Georgia?

Uninsured Drivers in Georgia




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Georgia cities?

Rank City Avg. Annual Premium
1 East Point $1,465
2 Atlanta $1,391
3 North Atlanta $1,323
4 Dunwoody $1,294
5 Mableton $1,280
6 Smyrna $1,267
7 Marietta $1,266
8 Macon $1,266
9 Alpharetta $1,259
10 Sandy Springs $1,255
11 Roswell $1,247
12 Columbus $1,231
13 Savannah $1,215
14 Gainesville $1,208
15 Augusta $1,197
16 Rome $1,194
17 Peachtree City $1,180
18 Athens $1,147
19 Martinez $1,141
20 Warner Robins $1,138
21 Hinesville $1,134
22 Albany $1,131
23 Dalton $1,123
24 Valdosta $1,026

Recent Georgia Car Insurance Questions and Answers

Can I get insurance for a car my mom owns?

Feb 09, 2018

I live with my mom and and she’s not able to drive because of medical reasons. But I want to ...

I got into an accident by I’m not on the insurance

Jan 30, 2018

I was driving my mom’s car and I got into an accident. My name is not on the insurance. Will ...

Do I need a commercial or personal auto policy?

Jan 13, 2018

I am a consultant for direct sales. Do I need a commercial policy for driving to a client’s home? No ...

Is it worth it to call my insurance company?

Dec 18, 2017

My friend bumped into someone’s car from behind on a red light. There was no damage to the other person’s ...

Driving Laws

Georgia Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers and novice drivers <18 years.
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Georgia
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's expensive to get car insurance in Georgia!

Dang! Georgia is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since Georgia might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Georgia?
Rank Company Name Avg. Annual Premium
1 Auto-Owners $847
2 The Hartford $904
3 USAA $988
4 Central Mutual $1,181
5 MetLife $1,251
6 Georgia Farm Bureau $1,286
7 Travelers $1,305
8 Safeco $1,383
9 Mercury $1,383
10 Country $1,405
11 State Farm $1,418
12 Allied $1,438
13 Cal Casualty $1,546
14 Encompass $1,656
15 Progressive $1,756
16 Nationwide $1,864
17 Liberty Mutual $2,024
18 GEICO $2,187
19 Allstate $2,224
20 Victoria $2,534

Georgia Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Georgia area, while also getting an insider view of the Peach State.


So, Georgia students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.