Safe Drivers Could Save in Georgia

Download the app, start your test drive, & see how much you can save.

Reviewed & verified by
Cara Carlone
Last Updated Mar 22, 2024

About Georgia Car Insurance

In the grand Georgia landscape, from rolling countryside to vibrant cityscapes, conscientious drivers can secure significant savings on car insurance through SteadyDrive. Drive responsibly, and you could trim hundreds off your car insurance premiums. Getting started is easy with just three simple steps: Download the app, start your test drive, and see if you qualify for discounted car insurance quotes.

Georgia

Avg. Car Insurance

Annual Rate – Minimum Coverage (2024)
$813/Yr
Source: Bankrate

National

Avg. Car Insurance

Annual Rate – Minimum Coverage (2024)
$741/Yr
Source: Bankrate

NOTE: These sample rates are based on drivers who own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.  

These are sample rates and should only be used for comparative purposes.

How SteadyDrive Works

Download the app

Go to the App Store or Google Play
and enroll in seconds.

Start your test drive

Drive safe & you could qualify for
savings on car insurance.

Qualify for discounts

After a few weeks, you could get discounted insurance quotes from a leading insurer.

Minimum Car Insurance Requirements in Georgia

Bodily Injury
$25,000
/Person
Property Damage
$25,000
/Accident
$
Either
Full or Limited Torts

Bodily injury liability coverage

$25,000 per person / $50,000 per incident

Property damage liability coverage

$25,000 per incident

Optional Car Insurance Coverage (varies by carrier)

  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments coverage
  • Rental reimbursement coverage
  • Towing and labor coverage
  • & more. Be sure to ask your insurance agent.

Georgia Driving Statistics

384,527 (2022) Crashes in Georgia
Insurance Rates
increased 16.2% on average statewide (2024)

Source: ValuePenguin

8.1 million (2015) to 8.8 million (2020) Registered Vehicles

Source: ValuePenguin

2.9% Population Change from 2020 - 2023

Frequently Asked Questions

What are the car insurance requirements?

The minimum coverage level required in Georgia is liability insurance. Liability insurance pays for bodily injury and property damage to others if you are at fault in an accident.

Source: Georgia Department of Revenue

What is the minimum coverage level required in Georgia?

All Georgia drivers are required to carry car insurance. The minimum car insurance requirements in Georgia are:

  • Bodily injury liability coverage: $25,000 per person/$50,000 per incident
  • Property damage liability coverage: $25,000 per incident

Source: Georgia Department of Revenue

Is PIP required in Georgia?

PIP (Personal Injury Protection) is not required in Georgia. PIP is a type of insurance that pays for your medical expenses and lost wages if you are injured in an accident, regardless of who is at fault.

Source: WalletHub

Is Georgia a no-fault state?

Georgia is not a no-fault state.

Source: WalletHub

Does Georgia require uninsured motorist coverage?

Uninsured motorist coverage is not required in Georgia. Uninsured motorist coverage pays for your injuries and property damage if you are hit by an uninsured or underinsured driver. You can choose not to have this coverage, but you must do so in writing. If you do not reject the coverage, it will be added to your policy.

Source: Greathouse Trial Law

You Could Save Hundreds

SteadyDrive is your ticket to big savings on car insurance. We focus on your driving habits using telematics to track your behavior like speed, braking, and phone use. You can test-drive our app anonymously, with no impact on your current rate.

Download the free app, enroll in seconds, and watch the savings pile up as you drive safely.

Disclaimer:
SteadyDrive is not an insurer or an insurance agent or broker. SteadyDrive does not provide you with an insurance policy, so make sure that you have insurance coverage while you drive. Please contact your insurer or an insurance agent or broker (if applicable) directly regarding questions you may have pertaining to auto insurance coverage. For more details, see SteadyDrive’s Terms of Service.

Start Driving & Start Saving

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