Cheap Car Insurance in Georgia
EagleWay Auto Insurance is proud to offer cheap car insurance in Georgia, the “Peach State.” Whether you live in Atlanta, Augusta, or along the Atlantic Coast, meeting Georgia’s minimum car insurance requirements helps you comply with state laws. Take a few minutes to learn which coverages are mandatory, which ones are optional, and how EagleWay can help you find affordable Georgia car insurance. Get a free quote to see how much money you can save.
Georgia Car Insurance Laws
Do you have to have car insurance in Georgia?
Georgia law requires all drivers to have proof of financial responsibility, which is satisfied by purchasing a car insurance policy. Georgia auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Georgia are 25/50/25.
Georgia Minimum Car Insurance Requirements
Here’s a quick breakdown by coverage type:
| Coverages | Is It Required by Law? |
|---|---|
| Bodily Injury Liability Coverage protects if you cause an accident that injures another person. | Yes. $25,000 per person / $50,000 per accident. |
| Property Damage Liability Coverage helps repair or replace property you damage in an accident. | Yes. $25,000 per accident. |
| Uninsured/Underinsured Motorist Coverage (UM/UIM) covers medical bills if the other driver has insufficient or no insurance. | Not required. |
| Collision Coverage helps repair or replace your vehicle if you collide with another car, tree, guardrail, or other object, regardless of fault. | Not required.¹ |
| Comprehensive Coverage covers damage to your vehicle from non-collision events such as fire, theft, vandalism, or weather. | Not required.¹ |
IMPORTANT NOTE: Meeting state-mandated coverage satisfies Georgia’s laws, but additional coverage
like UM/UIM, collision, and comprehensive is recommended to fully protect you and your vehicle.
¹Your lender may require these coverages if you lease or finance your vehicle.
Additional Coverage Options
Optional coverages for Georgia drivers include:
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Medical Payments Coverage (Med Pay)
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Georgia Proof of Financial Responsibility and Penalties
What if I don't meet Georgia’s minimum car insurance requirements?
Every Georgia driver must have proof of financial responsibility. Driving without insurance can result in fines, loss of registration, and even jail time. Drivers must carry proof of insurance at all times and provide it upon request.
Penalties for Driving with a Suspended License in Georgia
Operating a vehicle with a suspended or revoked license can lead to serious consequences, including jail time and escalating fines for repeat offenses.
SR-22 Insurance in Georgia
High-risk drivers may be required to maintain an SR-22 (certificate of financial responsibility) to show proof of insurance. This may be required for serious driving violations, failure to maintain coverage, or DUI/DWI convictions. EagleWay Auto Insurance can assist with SR-22 filings and compliance.
High-Risk Auto Insurance in Georgia
Drivers with past violations may be considered high-risk. While some insurers avoid these drivers, EagleWay Auto Insurance offers non-standard coverage to ensure everyone has access to protection, regardless of driving history.
Where can I find the cheapest car insurance rates in Georgia?
Rates vary based on:
- The amount & type of coverage you choose
- The year, make, and model of your vehicle
- How much and where you drive
- Your demographics
- Your driving record
- Your credit history
EagleWay Auto Insurance can help Georgia drivers, including high-risk drivers, find affordable car insurance. Get a free quote or work with an EagleWay agent to create a plan that meets state requirements, fits your needs, and maximizes discounts.