The Peach State

Get A Georgia Auto Insurance Quote

Georgia Auto Insurance Coverage

Home to some of the best-tasting peaches in the country and bustling cities like Atlanta, there's a lot to love about Georiga. But, whether you're new in town or have deep roots in the Peach State, it's essential to understand the auto insurance requirements in Georgia.

Required Auto Insurance in Georgia

Georgia requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Georgia requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $25,000 per accident.

Georgia Teen Driving Laws

Georgia operates under a Graduated Driver's License (GDL) program, which includes three stages: Instructional Permit, Provisional Driver's License (Class D), and Class C License. 

  • Instructional Permit: At 15, teens can obtain an instructional permit after passing a written exam. An instructional permit allows teens to drive with a parent, legal guardian, licensed driver over 21, or a certified driving instructor. 
  • Provisional Driver's License (Class D): Teen drivers can obtain a Class D Provisional license after holding an instructional permit for 1 year and 1 day and after meeting all Joshua's Law requirements. With a Class D Provisional License, teens cannot drive between midnight and 6:00 AM.
  • Class C License: At 18, drivers may obtain an unrestricted Class C license, provided that the driver had no traffic violations during the previous 12 months.

Please be aware of additional restrictions for teen drivers in Georgia.

Georgia Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Georgia. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in Georgia

No law in Georgia states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Georgia auto insurance quote online, or by calling (888) 772-4247.

Learn More About Georgia

A blue welcome to Georgia road sign
About Georgia

Georgia is America's 4th state. Originally named after King George II of England, the state is known for its famous peaches and rich historical sites such as the Savannah district.