Georgia minimum: 25/50/25 liability
Car insurance in GA, explained before you compare.
Know the legal minimum, what Georgia drivers actually pay and which discounts the law guarantees. Then compare quotes for cheap car insurance in GA on equal terms.
ZIP 30303 · 2019 Civic · age 32
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Liability
/25/50/25 · required
RequiredBI + PD
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Uninsured motorist
/basic coverage in Georgia
UMBasic
+ Add -
Collision
/optional · your own car
OptionalDeductible
+ Add -
Comprehensive
/optional · non-crash damage
OptionalDeductible
+ Add -
Medical payments
/optional in Georgia
MedPayOptional
+ Add
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25/50/25
Georgia minimum liability limits
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$1,555
Avg. GA spend · NAIC 2023 (US $1,282)
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10%
Min. defensive-driving discount · 3 yrs
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24%
State Farm share · NAIC 2025
Lower your premium
Six ways to pay less for the same coverage.
Cheap car insurance in GA starts with things you control. Each tip below is based on Georgia law, the state insurance regulator or published 2026 rate studies.
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Take a defensive-driving course
Georgia law requires insurers to give at least 10% off liability, medical and collision premiums for 3 years after an approved course.
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Quote regional insurers too
In two 2026 Georgia rate studies, regional and mutual carriers ranked among the cheapest, next to national brands. Ask more than the big names.
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Ask for every discount
The state regulator lists common ones: multi-vehicle, good student, driver education, safety and anti-theft devices, low mileage and good driver.
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Bundle auto and home
An auto + home package is one of the discounts Georgia’s regulator lists. Compare the bundle price with two separate policies.
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Never let coverage lapse
A lapse of 10+ days triggers a $25 fee, and an unpaid fee leads to a suspended registration and a $60 reinstatement fee.
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Know how credit is used
Georgia allows credit-based insurance scores, but an insurer may not deny, cancel or set your renewal rate solely on credit.
Who this guide is for
Every kind of Georgia driver looking to pay less.
The rules are the same for everyone; the discounts and paperwork depend on your situation.
- New Georgia residents
- Coverage lapsed
- Young drivers
- Drivers 25 and older
- SR-22A filers
- Non-owner drivers
- Good students
- Multi-car households
- Low-mileage drivers
- Homeowners bundling
- Military families
- Atlanta commuters
Minimum vs. more
Is minimum coverage enough in Georgia?
It is enough to drive legally. Whether it is enough for you depends on what you could lose, so look at what the minimum leaves out before you compare prices.
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1
Know the legal floor
Georgia requires 25/50/25 liability: $25,000 per person and $50,000 per crash for injuries you cause, plus $25,000 for property damage.
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2
See what it leaves out
Liability pays others, not you. Repairs to your own car need collision or comprehensive, and MedPay is optional.
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3
Compare like with like
Ask every insurer for the same limits and deductibles, so a cheaper quote is not simply less coverage.
- at_fault_state
- no_pip
- medpay_optional
Coverage explainer
general info
Is minimum coverage enough in Georgia?
It meets the law. Here is what each coverage pays for:
| Coverage | Required | Pays for |
|---|---|---|
| 25/50/25 | Yes | Others’ injuries, property |
| UM | Basic | You, if the other driver lacks cover |
| Collision | No | Your car after a crash |
| MedPay | No | Medical bills |
General information, not advice about your own policy. Sources: Georgia OCI auto insurance page; O.C.G.A. § 33-34-4.
How it works
Four steps to compare quotes fairly.
Prices only mean something when the coverage behind them matches.
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01
Pick your coverage
Start at the 25/50/25 minimum and decide on UM, collision, comprehensive and MedPay.
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02
Gather your details
Drivers, vehicles, annual mileage and any course certificates or discounts you qualify for.
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03
Compare several insurers
Same limits, same deductibles. Include regional companies, not only national brands.
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04
Check the license
Before you buy, confirm the agent or company in the Georgia OCI license lookup.
What coverage costs
Minimum, average and full coverage.
These are published figures, not quotes and not plans we sell. Each card names its source and the sample driver behind the number.
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Minimum · 25/50/25
Legal minimum
$428–528/ year
Lowest minimum-coverage quotes in two 2026 studies: NerdWallet (Oct 2026, age 35, clean record, good credit) and MoneyGeek (Sep 2026, age 40 male, clean record).
- Meets Georgia law
- Does not pay for your own car
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Standard · state average
What Georgians pay
$1,555/ year
NAIC average expenditure per insured car in Georgia in 2023, across liability, collision and comprehensive. The US average was $1,282.
- Actual spending, not a quote
- Georgia ranks about 5th-highest
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Full coverage
Collision + comprehensive
$3,160/ year average
NerdWallet’s Georgia average (Oct 2026) for 100/300/50 liability, UM 100/300 and $1,000 deductibles, 35-year-old driver. Its cheapest quote was $1,323.
- Pays to repair your own car
- Cheapest quotes vary by study
Your situation
Special cases with their own rules.
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New resident
Get a Georgia policy in place
Georgia requires at least 25/50/25 liability, and the state tracks insurance on registered cars electronically. A lapse of 10+ days triggers fees.
- Basic coverages: BI, PD and UM
- MedPay is optional
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Coverage lapsed
Act within 30 days
After a lapse of 10+ days a $25 fee applies. Leave it unpaid for 30 days and your registration is suspended with a $60 reinstatement fee.
- $160 after 3+ suspensions in 5 years
- Get coverage before you drive
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Young driver
Earn the course discount
Drivers under 25 qualify for the 10% defensive-driving discount with a course of at least 30 classroom hours and 6 practical hours.
- Ask about good student discounts
- Ask about driver education discounts
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SR-22A
Keep it for 3 years
A second no-insurance conviction means a suspension and an SR-22A policy for 3 years. Cancelling the SR-22A cancels your license.
- No car? Ask for a non-owner SR-22A
- Confirm the insurer files SR-22A
Coverage compared
What each coverage does in Georgia.
Georgia is an at-fault state with no personal injury protection (PIP) requirement. Only liability is required by law.
| Coverage | Liability | Uninsured motorist | Collision | Comprehensive | MedPay |
|---|---|---|---|---|---|
| Required by law | Yes, 25/50/25 | Basic coverage | No | No | No |
| Who it pays | Others you injure | You | You | You | You and passengers |
| Covers | Injuries, property | Uninsured driver | Crash damage | Non-crash damage | Medical bills |
| Counts toward minimum | Yes | No | No | No | No |
Sources: Georgia OCI auto insurance page; O.C.G.A. § 33-34-4; NAIC Auto Insurance Database. General information only.
FAQ
Car insurance in GA: common questions.
What is the minimum car insurance in GA?
Georgia requires 25/50/25 liability: $25,000 per person and $50,000 per crash for injuries you cause, plus $25,000 for property damage (O.C.G.A. § 33-34-4). Uninsured motorist is a basic coverage; MedPay is optional.
What is the penalty for driving without insurance in Georgia?
It is a misdemeanor with a fine of $200 to $1,000 and/or up to 12 months in jail (O.C.G.A. § 40-6-10). A first no-insurance conviction also brings a 60-day license suspension with no limited permit.
What happens if my car insurance lapses?
Once coverage lapses for 10 days or more, the Georgia Department of Revenue charges a $25 lapse fee. If it is not paid within 30 days, your registration is suspended and a $60 reinstatement fee applies ($160 after three or more suspensions in five years).
Is Georgia an at-fault state?
Yes. Georgia uses a tort (at-fault) system, so the driver who causes a crash is responsible for the damage. There is no personal injury protection (PIP) requirement, and medical payments coverage is optional.
What is the average cost of car insurance in Georgia?
Georgia drivers spent an average of $1,555 per insured car in 2023, against $1,282 nationally (NAIC). For full coverage, NerdWallet’s October 2026 study puts the average at $3,160 a year for a 35-year-old with a clean record and good credit.
How do I find cheap car insurance in GA?
Compare several insurers on identical coverage, include regional companies, take a defensive-driving course and ask about every discount. Our guide to the cheapest car insurance in GA lists what two 2026 studies found.
How does the defensive-driving discount work?
Under O.C.G.A. § 33-9-42, insurers must give at least 10% off liability, first-party medical and collision premiums for 3 years after an approved course: 6+ hours if you are 25 or older, 30 classroom plus 6 practical hours if you are younger.
What is an SR-22A in Georgia?
It is the certificate Georgia uses to prove insurance after certain suspensions. A second or later no-insurance conviction requires an SR-22A policy for 3 years, and cancelling it cancels your license. Drivers without a car need a non-owner SR-22A policy.
How do I check an agent’s license or file a complaint?
Use the license lookup of the Georgia Office of Commissioner of Insurance and Safety Fire (OCI) to check an agent, agency or company. Complaints go through the OCI online portal or Consumer Services at (404) 656-2070, toll-free (800) 656-2298.
Does this site sell insurance or give quotes?
No. We are not an insurance company or a licensed agent. We explain Georgia’s rules and published data, and the compare button takes you to a separate site.
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