Georgia car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Georgia?

Yes , Georgia requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/25.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Georgia car insurance laws

Georgia requires that drivers carry at least 25/50/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Georgia drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Georgia car insurance requirements

Georgia requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Georgia liability minimums are 25/50/25.

The average cost of a minimum coverage policy is $577. However, Auto-Owners has the lowest minimum car insurance rates, averaging $368.

The table below shows the top insurers' average rates for minimum coverage in Georgia.

Company	Average annual premium	Average monthly premium
Auto-Owners	$368	$31
Country Financial	$421	$35
Central Insurance	$458	$38
Geico	$471	$39
Progressive	$552	$46
Mercury Insurance	$667	$56
Allstate	$686	$57
State Farm	$746	$62
Safeway Insurance	$987	$82
USAA	$537	$45

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Georgia car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $577. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Georgia.

The cheapest company for minimum coverage in Georgia is Auto-Owners at an average rate of $368 annually.

State minimum coverage limit	25/50/25
Average annual premium	$577
Average monthly premium	$48

Read our methodology

Are the Georgia minimum coverage requirements changing in 2025?

Georgia car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Georgia?

Georgia requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Georgia drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Georgia minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Georgia?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Georgia penalties for driving without car insurance

Since Georgia requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Georgia car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$200
Other penalties	License suspension
Jail time	Possible

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Georgia minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Central Insurance has the best rates for teens with minimum coverage averaging $1,361. Auto-Owners offers the cheapest coverage for adults at $395.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $588, and the average rate for a 40-year-old male is $566, a difference of $22.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Central Insurance	$1,580	$132
16	Auto-Owners	$1,653	$138
16	Country Financial	$1,818	$152
16	Allstate	$3,058	$255
16	Geico	$3,432	$286
16	State Farm	$3,502	$292
16	Progressive	$3,800	$317
16	Mercury Insurance	$4,797	$400
16	Safeway Insurance	$5,861	$488
16	USAA	$2,481	$207
17	Central Insurance	$1,428	$119
17	Country Financial	$1,540	$128
17	Auto-Owners	$1,642	$137
17	Geico	$2,439	$203
17	Allstate	$2,664	$222
17	State Farm	$3,022	$252
17	Progressive	$4,051	$338
17	Mercury Insurance	$4,065	$339
17	Safeway Insurance	$4,350	$363
17	USAA	$1,777	$148
18	Central Insurance	$1,284	$107
18	Country Financial	$1,318	$110
18	Auto-Owners	$1,497	$125
18	Geico	$1,719	$143
18	Allstate	$1,915	$160
18	State Farm	$2,579	$215
18	Mercury Insurance	$3,184	$265
18	Progressive	$3,255	$271
18	Safeway Insurance	$3,357	$280
18	USAA	$1,518	$127
19	Central Insurance	$1,149	$96
19	Allstate	$1,150	$96
19	Geico	$1,335	$111
19	Auto-Owners	$1,368	$114
19	Country Financial	$1,721	$143
19	Progressive	$1,863	$155
19	State Farm	$2,175	$181
19	Mercury Insurance	$2,387	$199
19	Safeway Insurance	$2,481	$207
19	USAA	$1,364	$114
20	Central Insurance	$861	$72
20	Country Financial	$1,006	$84
20	Allstate	$1,050	$88
20	Auto-Owners	$1,113	$93
20	Geico	$1,123	$94
20	Progressive	$1,519	$127
20	State Farm	$1,870	$156
20	Mercury Insurance	$1,954	$163
20	Safeway Insurance	$2,325	$194
20	USAA	$1,253	$104
21	Central Insurance	$861	$72
21	Auto-Owners	$871	$73
21	Allstate	$885	$74
21	Country Financial	$899	$75
21	Geico	$1,024	$85
21	Progressive	$1,043	$87
21	State Farm	$1,567	$131
21	Mercury Insurance	$1,645	$137
21	Safeway Insurance	$1,810	$151
21	USAA	$916	$76
22	Auto-Owners	$726	$61
22	Country Financial	$801	$67
22	Allstate	$815	$68
22	Central Insurance	$861	$72
22	Progressive	$921	$77
22	Geico	$1,002	$84
22	State Farm	$1,375	$115
22	Mercury Insurance	$1,501	$125
22	Safeway Insurance	$1,789	$149
22	USAA	$858	$72
23	Auto-Owners	$679	$57
23	Country Financial	$733	$61
23	Allstate	$772	$64
23	Progressive	$825	$69
23	Central Insurance	$861	$72
23	Geico	$979	$82
23	Mercury Insurance	$1,095	$91
23	State Farm	$1,185	$99
23	Safeway Insurance	$1,442	$120
23	USAA	$773	$64
24	Auto-Owners	$640	$53
24	Country Financial	$671	$56
24	Allstate	$726	$61
24	Progressive	$748	$62
24	Central Insurance	$861	$72
24	Geico	$934	$78
24	Mercury Insurance	$975	$81
24	State Farm	$1,046	$87
24	Safeway Insurance	$1,366	$114
24	USAA	$745	$62
25	Auto-Owners	$544	$45
25	Country Financial	$617	$51
25	Central Insurance	$626	$52
25	Progressive	$655	$55
25	Allstate	$672	$56
25	Geico	$800	$67
25	Mercury Insurance	$871	$73
25	State Farm	$909	$76
25	Safeway Insurance	$1,176	$98
25	USAA	$663	$55
30	Auto-Owners	$381	$32
30	Country Financial	$501	$42
30	Central Insurance	$518	$43
30	Geico	$530	$44
30	Progressive	$586	$49
30	Allstate	$664	$55
30	Mercury Insurance	$733	$61
30	State Farm	$740	$62
30	Safeway Insurance	$1,146	$96
30	USAA	$567	$47
35	Auto-Owners	$355	$30
35	Country Financial	$458	$38
35	Central Insurance	$475	$40
35	Geico	$534	$45
35	Progressive	$545	$45
35	Allstate	$664	$55
35	Mercury Insurance	$688	$57
35	State Farm	$734	$61
35	Safeway Insurance	$1,029	$86
35	USAA	$554	$46
40	Auto-Owners	$368	$31
40	Country Financial	$421	$35
40	Central Insurance	$458	$38
40	Geico	$489	$41
40	Progressive	$544	$45
40	Mercury Insurance	$613	$51
40	Allstate	$664	$55
40	State Farm	$746	$62
40	Safeway Insurance	$955	$80
40	USAA	$537	$45
45	Auto-Owners	$358	$30
45	Country Financial	$388	$32
45	Central Insurance	$450	$38
45	Geico	$489	$41
45	Progressive	$534	$45
45	Mercury Insurance	$601	$50
45	Allstate	$664	$55
45	State Farm	$752	$63
45	Safeway Insurance	$961	$80
45	USAA	$523	$44
50	Auto-Owners	$360	$30
50	Country Financial	$363	$30
50	Geico	$439	$37
50	Central Insurance	$449	$37
50	Progressive	$506	$42
50	Mercury Insurance	$618	$52
50	Allstate	$673	$56
50	State Farm	$739	$62
50	Safeway Insurance	$860	$72
50	USAA	$510	$43
55	Country Financial	$353	$29
55	Auto-Owners	$369	$31
55	Geico	$436	$36
55	Central Insurance	$457	$38
55	Progressive	$492	$41
55	Mercury Insurance	$555	$46
55	Allstate	$673	$56
55	State Farm	$721	$60
55	Safeway Insurance	$849	$71
55	USAA	$506	$42
60	Country Financial	$353	$29
60	Auto-Owners	$398	$33
60	Geico	$436	$36
60	Central Insurance	$485	$40
60	Progressive	$498	$42
60	Mercury Insurance	$540	$45
60	Allstate	$684	$57
60	State Farm	$702	$59
60	Safeway Insurance	$866	$72
60	USAA	$506	$42
65	Country Financial	$371	$31
65	Geico	$445	$37
65	Auto-Owners	$447	$37
65	Central Insurance	$532	$44
65	Progressive	$536	$45
65	Mercury Insurance	$612	$51
65	State Farm	$702	$59
65	Allstate	$721	$60
65	Safeway Insurance	$866	$72
65	USAA	$550	$46
70	Country Financial	$405	$34
70	Geico	$490	$41
70	Auto-Owners	$502	$42
70	Central Insurance	$608	$51
70	Progressive	$643	$54
70	Mercury Insurance	$706	$59
70	Allstate	$721	$60
70	State Farm	$746	$62
70	Safeway Insurance	$909	$76
70	USAA	$660	$55
75	Country Financial	$455	$38
75	Auto-Owners	$553	$46
75	Geico	$562	$47
75	Central Insurance	$718	$60
75	Allstate	$799	$67
75	State Farm	$834	$70
75	Progressive	$892	$74
75	Mercury Insurance	$941	$78
75	Safeway Insurance	$1,049	$87
75	USAA	$784	$65

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Age	Company	Female annual premium	Female monthly premium
16	Central Insurance	$1,580	$132
16	Auto-Owners	$1,253	$104
16	Country Financial	$1,726	$144
16	Allstate	$3,651	$304
16	Geico	$2,822	$235
16	State Farm	$2,486	$207
16	Progressive	$3,360	$280
16	Mercury Insurance	$4,968	$414
16	Safeway Insurance	$6,077	$506
16	USAA	$2,219	$185
17	Central Insurance	$1,428	$119
17	Country Financial	$1,463	$122
17	Auto-Owners	$1,256	$105
17	Geico	$2,006	$167
17	Allstate	$2,583	$215
17	State Farm	$2,362	$197
17	Progressive	$3,608	$301
17	Mercury Insurance	$4,114	$343
17	Safeway Insurance	$4,826	$402
17	USAA	$1,574	$131
18	Central Insurance	$1,284	$107
18	Country Financial	$1,260	$105
18	Auto-Owners	$1,242	$104
18	Geico	$1,471	$123
18	Allstate	$1,853	$154
18	State Farm	$2,038	$170
18	Mercury Insurance	$3,165	$264
18	Progressive	$2,858	$238
18	Safeway Insurance	$3,473	$289
18	USAA	$1,327	$111
19	Central Insurance	$1,149	$96
19	Allstate	$1,174	$98
19	Geico	$1,186	$99
19	Auto-Owners	$1,093	$91
19	Country Financial	$1,650	$138
19	Progressive	$1,587	$132
19	State Farm	$1,754	$146
19	Mercury Insurance	$2,129	$177
19	Safeway Insurance	$2,273	$189
19	USAA	$1,143	$95
20	Central Insurance	$861	$72
20	Country Financial	$970	$81
20	Allstate	$969	$81
20	Auto-Owners	$960	$80
20	Geico	$1,078	$90
20	Progressive	$1,337	$111
20	State Farm	$1,537	$128
20	Mercury Insurance	$1,783	$149
20	Safeway Insurance	$1,982	$165
20	USAA	$1,069	$89
21	Central Insurance	$861	$72
21	Auto-Owners	$822	$69
21	Allstate	$877	$73
21	Country Financial	$867	$72
21	Geico	$890	$74
21	Progressive	$921	$77
21	State Farm	$1,314	$110
21	Mercury Insurance	$1,492	$124
21	Safeway Insurance	$1,710	$143
21	USAA	$799	$67
22	Auto-Owners	$759	$63
22	Country Financial	$781	$65
22	Allstate	$872	$73
22	Central Insurance	$861	$72
22	Progressive	$830	$69
22	Geico	$844	$70
22	State Farm	$1,190	$99
22	Mercury Insurance	$1,351	$113
22	Safeway Insurance	$1,611	$134
22	USAA	$741	$62
23	Auto-Owners	$695	$58
23	Country Financial	$714	$60
23	Allstate	$798	$67
23	Progressive	$758	$63
23	Central Insurance	$861	$72
23	Geico	$777	$65
23	Mercury Insurance	$1,026	$86
23	State Farm	$1,041	$87
23	Safeway Insurance	$1,442	$120
23	USAA	$689	$57
24	Auto-Owners	$637	$53
24	Country Financial	$653	$54
24	Allstate	$751	$63
24	Progressive	$701	$58
24	Central Insurance	$861	$72
24	Geico	$732	$61
24	Mercury Insurance	$939	$78
24	State Farm	$941	$78
24	Safeway Insurance	$1,368	$114
24	USAA	$661	$55
25	Auto-Owners	$602	$50
25	Country Financial	$607	$51
25	Central Insurance	$626	$52
25	Progressive	$608	$51
25	Allstate	$708	$59
25	Geico	$642	$54
25	Mercury Insurance	$883	$74
25	State Farm	$834	$70
25	Safeway Insurance	$1,227	$102
25	USAA	$606	$51
30	Auto-Owners	$381	$32
30	Country Financial	$501	$42
30	Central Insurance	$518	$43
30	Geico	$449	$37
30	Progressive	$583	$49
30	Allstate	$708	$59
30	Mercury Insurance	$769	$64
30	State Farm	$740	$62
30	Safeway Insurance	$1,138	$95
30	USAA	$567	$47
35	Auto-Owners	$355	$30
35	Country Financial	$458	$38
35	Central Insurance	$475	$40
35	Geico	$452	$38
35	Progressive	$589	$49
35	Allstate	$708	$59
35	Mercury Insurance	$746	$62
35	State Farm	$734	$61
35	Safeway Insurance	$1,023	$85
35	USAA	$554	$46
40	Auto-Owners	$368	$31
40	Country Financial	$421	$35
40	Central Insurance	$458	$38
40	Geico	$452	$38
40	Progressive	$560	$47
40	Mercury Insurance	$721	$60
40	Allstate	$708	$59
40	State Farm	$746	$62
40	Safeway Insurance	$1,015	$85
40	USAA	$537	$45
45	Auto-Owners	$358	$30
45	Country Financial	$388	$32
45	Central Insurance	$450	$38
45	Geico	$452	$38
45	Progressive	$550	$46
45	Mercury Insurance	$706	$59
45	Allstate	$708	$59
45	State Farm	$753	$63
45	Safeway Insurance	$961	$80
45	USAA	$523	$44
50	Auto-Owners	$360	$30
50	Country Financial	$363	$30
50	Geico	$439	$37
50	Central Insurance	$449	$37
50	Progressive	$482	$40
50	Mercury Insurance	$612	$51
50	Allstate	$681	$57
50	State Farm	$739	$62
50	Safeway Insurance	$922	$77
50	USAA	$510	$43
55	Country Financial	$353	$29
55	Auto-Owners	$369	$31
55	Geico	$436	$36
55	Central Insurance	$457	$38
55	Progressive	$470	$39
55	Mercury Insurance	$593	$49
55	Allstate	$681	$57
55	State Farm	$721	$60
55	Safeway Insurance	$889	$74
55	USAA	$506	$42
60	Country Financial	$353	$29
60	Auto-Owners	$398	$33
60	Geico	$436	$36
60	Central Insurance	$485	$40
60	Progressive	$476	$40
60	Mercury Insurance	$563	$47
60	Allstate	$692	$58
60	State Farm	$702	$59
60	Safeway Insurance	$844	$70
60	USAA	$506	$42
65	Country Financial	$371	$31
65	Geico	$445	$37
65	Auto-Owners	$447	$37
65	Central Insurance	$532	$44
65	Progressive	$498	$42
65	Mercury Insurance	$642	$54
65	State Farm	$702	$59
65	Allstate	$730	$61
65	Safeway Insurance	$852	$71
65	USAA	$541	$45
70	Country Financial	$405	$34
70	Geico	$490	$41
70	Auto-Owners	$502	$42
70	Central Insurance	$608	$51
70	Progressive	$566	$47
70	Mercury Insurance	$705	$59
70	Allstate	$730	$61
70	State Farm	$746	$62
70	Safeway Insurance	$880	$73
70	USAA	$629	$52
75	Country Financial	$455	$38
75	Auto-Owners	$553	$46
75	Geico	$562	$47
75	Central Insurance	$718	$60
75	Allstate	$809	$67
75	State Farm	$833	$69
75	Progressive	$654	$55
75	Mercury Insurance	$799	$67
75	Safeway Insurance	$949	$79
75	USAA	$726	$61

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Georgia minimum coverage cost by city

Athens drivers pay the least for minimum coverage in Georgia at $573. However, Atlanta pay the most at $802.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Georgia.

City	Average annual premium	Average monthly premium
Athens	$573	$48
Columbus	$608	$51
Savannah	$628	$52
Augusta	$646	$54
Macon	$659	$55
Sandy Springs	$743	$62
Roswell	$747	$62
Johns Creek	$766	$64
Atlanta	$802	$67

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Optional car insurance coverage in Georgia

Georgia requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Georgia car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Georgia?

Yes, Georgia requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/25.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Georgia?

If you're caught driving without car insurance in Georgia, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.