- Car Insurance
- Auto Insurance by State
- Georgia Car Insurance
Get a Georgia car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Georgia
Need car insurance in Georgia? Whether you live in the Blue Ridge Mountains or Atlanta, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Georgia auto insurance, so you only pay for what you need.
Georgia auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programGeorgia minimum car insurance requirements (25/50/25)
It's illegal to drive without car insurance in Georgia. To drive legally, you need to have at least the following coverage amounts and minimums in Georgia.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person / $50,000 per accident |
| Property Damage to others Coverage | $25,000 per accident |
Check out the Georgia Office of Insurance and Safety Fire Commissioner for more details.
Average cost of car insurance in Georgia, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Georgia is about $2,868 per year.
Drivers in Georgia will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap car insurance in Georgia?
Finding the cheapest car insurance in Georgia may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Is Georgia a no-fault state?
No, Georgia is not a no-fault state. The state uses a fault-based or “tort” system, meaning the at-fault driver is financially responsible for injuries and property damage. Injured parties can file a claim against the at-fault driver's liability insurance to recover their losses.
Georgia also has a modified comparative negligence rule that applies to drivers “partially” responsible for an accident. It states that compensation can be reduced based on the driver's share of responsibility for the accident. Damages under this rule are unrecoverable for drivers found to be over 50% at fault.
Georgia car insurance FAQs
- Liberty Mutual offers a quick and easy online solution if you need car insurance in Georgia. You'll need the ZIP Code where you live, your driver's license number, the vehicle's identification number (VIN), and the approximate miles on your car to get started. We'll send you proof of insurance once your policy is live.
- Yes. Georgia requires drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, along with $25,000 in Property Damage Liability coverage.
Driving without insurance can result in license and registration suspension, reinstatement fees, and possible fines. While only liability coverage is required, many drivers also choose collision, comprehensive, and Uninsured/Underinsured Motorist coverage for added protection.
- The best car insurance in Georgia depends on your individual needs, budget, and driving habits. Factors like coverage options, pricing, customer service, and claims handling can all play a role in choosing the right insurer.
Liberty Mutual offers auto insurance in Georgia with a range of coverage options and policy features designed to support different drivers and situations. We also have coverage beyond auto, including home, renters, and more, which can make it easier to manage your insurance in one place.
Liberty Mutual offers a variety of auto insurance discounts in Georgia, depending on your eligibility and how your policy is purchased.2 These may include savings for buying a policy online, bundling auto with home, condo, or renters insurance, enrolling in our RightTrack® program, paperless billing, insuring multiple vehicles, qualifying as a good student, or military service. See all of our discounts to help keep your costs low.