Georgia car insurance: minimums, prices and your estimate
Georgia requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Georgia is an at-fault state where uninsured motorist coverage is included unless you reject it in writing, and by default it pays on top of the at-fault driver's insurance, up to your total damages.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- Ask Georgia DDS
What drivers in Georgia can expect to pay
Monthly ranges from our model, anchored to Georgia's position in 7 published price studies from 2025 and 2026 ($3,303 a year for full coverage and $1,141 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $237-$314 | $3,303 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $82-$108 | $1,141 |
| Young driver, full coverage20, own policy, clean record | $440-$661 | $6,606 |
| Senior, full coverage70, clean record | $228-$301 | $3,171 |
| After one at-fault accident35, full coverage | $355-$471 | $4,955 |
| After a DUI35, full coverage | $414-$621 | $6,210 |
| Poor credit35, clean record, full coverage | $422-$608 | $6,177 |
Build your Georgia estimate
Rules worth knowing in Georgia
- Your uninsured motorist coverage also protects you from underinsured drivers, and you can choose limits lower than your liability limits, down to 25/50/25. To get reduced-by coverage, which only fills the gap left by the other driver's insurance, you must reject added-on coverage in writing.
- Georgia does not require personal injury protection or coverage for damage to your own car. Medical payments coverage is optional and comes in different amounts.
- Insurers may use credit-based insurance scores, but a score cannot use your income, gender, race, ethnicity, religion, marital status, nationality, address or ZIP code. Credit alone cannot be the reason your policy is denied, canceled or not renewed.
- The Georgia Office of Commissioner of Insurance lists age, gender and marital status among common rating factors, and young male drivers generally pay more than young female drivers. Insurers must offer a good-student discount.
- If you have been with the same insurer for at least three years, it cannot refuse to renew your policy because of just one claim.
- Georgia sets its own rules on whether a serious violation calls for an SR-22 or similar filing, and for how long, so check with the Georgia Department of Driver Services (DDS).
Questions about Georgia car insurance
What is the minimum car insurance in Georgia?
Georgia requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Georgia per month?
For a 35-year-old with a clean record, our model puts full coverage at about $237 to $314 a month and state-minimum coverage at about $82 to $108. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Georgia a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Georgia use my credit score?
Yes. Many insurers in Georgia use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Georgia?
Only if a court or the state requires one, usually after a serious violation or a lapse. Georgia sets its own rules on whether a serious violation calls for an SR-22 or similar filing, and for how long, so check with the Georgia Department of Driver Services (DDS).