Georgia Auto Insurance

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Many of The Peach State’s accidents occur on the 85, 75, 285 and 20 during rush hour traffic while everyone’s trying to peacefully make their way from greater Atlanta back to their homes. But the city isn’t the only place they’ll happen. That’s why every driver needs to maintain adequate Georgia auto insurance.

At Clovered, we partner with some of the top auto insurance companies in Georgia to help reduce your costs and pair you with the perfect policy — with everything you need and nothing you don’t. Since Georgia’s auto insurance rates are typically in line with the national average, you don’t need to be stuck paying an arm and a leg for a policy.

There are a few Georgia auto insurance requirements you need to know for maintaining state minimums, but it’s never a bad idea to be over-insured, especially with so many drivers on the road throughout the state.

Georgia Auto Insurance Requirements

Georgia auto insurance limits and state requirements are legally binding, so you must maintain the following minimum coverages if your vehicle is registered in the state. If you fail to do so, it may result in heavy fines, suspension of your driver’s license and other legal ramifications that just aren’t worth the hassle.

Something the state doesn’t require is covered for underinsured motorists. This coverage simply acts as a buffer if you’re involved in an accident with someone who doesn’t have sufficient Georgia auto insurance coverage. It’s a good idea to purchase this additional coverage, especially since it’s typically only $5 to $10 per month.

  • Bodily Injury: $25,000 per person, $50,000 per accident
  • Property Damage: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person, $50,000 per accident
  • Uninsured Motorist Property Damage: $25,000 per accident

What Does Georgia Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

How Much Is Car Insurance in Georgia?

The average auto insurance cost in Georgia per month is about $112, which equates to around $1,350 per year. Keep in mind that insurance premiums will vary greatly depending on multiple factors, including your driving record, levels of coverage and age.

Why Is Auto Insurance so Expensive in Georgia?

Contrary to popular belief, Georgia auto insurance isn’t expensive when compared to the national average. However, if you’re paying too much for car insurance in The Peach State, it could be based on your driving record. To get a cheaper policy, call Clovered today to see what we can do for you!

How to Get the Best Auto Insurance in Georgia

If you’re searching for the best auto insurance in Georgia (or just the cheapest that meets minimum coverage amounts), contacting Clovered for all your insurance needs may be your best bet. We partner with some of the top auto insurance companies in Georgia to find the lowest rates around. So just give us a call and we’ll find the best, cheapest policy that meets your needs.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.