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Georgia Car Insurance

Whether you're commuting to work in Atlanta or taking a weekend road trip through the scenic byways of the Blue Ridge Mountains, having the right car insurance in Georgia ensures you're ready for whatever comes your way. 

Amica offers customized Georgia car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.

Auto insurance minimums in Georgia

In Georgia, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident where you’re at fault. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to certain limitations and exclusions. 

Property damage liability coverage: Coverage for damage you cause to someone else’s property in an auto accident where you’re at fault. This includes the cost of repairing or replacing the other party’s vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, Georgia mandates coverage for uninsured motorist bodily injury, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Uninsured Motorist Property Damage Coverage:
    • $25,000 per accident

Uninsured bodily injury coverage: Provides coverage if you’re injured in an accident caused by a driver who doesn’t have insurance to pay for your medical bills and other expenses.

Uninsured motorist property damage coverage: Coverage for your vehicle if it’s damaged in an accident caused by an uninsured driver or by a hit-and-run driver who cannot be identified.

It’s important to understand that these are just the minimum requirements, and Georgia drivers may choose higher coverage limits for added protection.

Additional Georgia car insurance coverages

Opting for additional auto insurance coverage beyond Georgia-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars.
  • Collision coverage: Coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors.
  • Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

What affects your Georgia car insurance rates

There are several factors that impact auto insurance in Georgia, including individual circumstances, location, coverage options and more. Here are some points to consider:

  • Driving history: Your individual driving record plays a substantial role in determining your Georgia auto insurance premiums. Drivers with clean records typically pay lower premiums than those with a history of accidents or traffic violations.
  • Vehicle type: Your car’s make and model, safety ratings, repair costs and likelihood of theft can influence Georgia car insurance rates.
  • Claims in Georgia: Auto insurance rates may be affected by the claims filed in your state. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in Georgia.
  • Weather patterns in Georgia: Weather-related incidents impact car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with Georgia auto insurance discounts

Amica offers various auto insurance discounts to help Georgia policyholders save money on their premiums.1 Here are some discounts you may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defense driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Georgia policy premium up front.

If you’re a Georgia driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.1

Facts and figures about Georgia

Facts and figures about Georgia

  • Dr. John S. Pemberton, a pharmacist based in Atlanta, Georgia, created Coca-Cola. The beverage was first sold at Jacobs' Pharmacy in Atlanta in 1886 and has since become the most well-known soft drink in the world.2
  • Gainesville is recognized as the poultry capital of the world. This industry, generating billions of dollars annually, has been a major component of Georgia's agriculture since the 1940s.2
  • Georgia has had four other state capitals, Savannah, Augusta, Louisville and Milledgeville. In 1868, the capital was moved for the fourth time to Atlanta.2

Facts about driving in Georgia

  • The state of Georgia allows residents to add their driver’s license or identification card into their digital wallet. Nevertheless, under Georgia law, all drivers are still required to carry their physical license while operating a vehicle.3
  • Georgia offers virtual road tests conducted remotely by an examiner using a dual-facing camera and a hands-free cellular device. A parent, guardian, or adult over the age of 21 with a valid driver's license must accompany the applicant in the testing vehicle.3
  • The Georgia Department of Driver Services offers an app for residents to make appointments, renew their driver’s licenses, replace their driver's licenses, change their addresses and more.3

How to get car insurance in Georgia

We’re here to guide you through the process of personalizing your car insurance in Georgia. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Georgia drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Georgia drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 70 Interesting Facts About Georgia: The Peach State
3 Georgia Department of Driver Services
 

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