Our editorial team gathered auto insurance quotes georgia are from some of the largest car insurance companies in every ZIP code across GA to help you find the best cheap car insurance. Our ranking was based on coverage availability, convenience and customer service, as well as affordability for multiple driver profiles.
We compared quotes for liability-only coverage that meets Georgia’s state minimum requirements: $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability.
In addition to comprehensive and collision coverage, full-coverage policies include higher liability limits than state minimums.
Georgia’s cheapest full-coverage car insurance: Auto-Owners
Auto-Owners offers the cheapest quotes in Georgia for full-coverage car insurance. At $97 per month, a policy from Auto-Owners costs $28 less than the average.
A minimum-coverage policy from USAA costs $41 per month, which is 21% cheaper than average.
Discounts on Georgia car insurance
Nationwide offers a variety of car insurance discounts that can help lower your monthly premium, you may be eligible for the following discounts:
A multifaceted approach
With Nationwide, you can bundle your auto insurance policy with your home, renters, boat, and multi-car policies, saving you money and simplifying your life.
Program SmartRide
With SmartRide, you can get an instant discount when you sign up. The safer you drive, the more you can save.
Student of high quality
Drivers ages 16 to 24 who maintain a B average or better and are full-time students can receive a student discount from Nationwide.
Driving defensively
Drivers 55+ who have passed a defensive driving course approved by their state are eligible for this discount.
Theft prevention
You may be eligible for a discount if your car has an anti-theft device installed. Savings vary based on the type of device installed.
Driving safely
If you have a clean driving record for at least five years, you may be eligible for a safe driver discount.
Payments made automatically
Set up monthly recurring bill pay from your checking or savings account for a one-time discount.
Free of accidents
Maintaining a clean driving record could result in a 10% reduction in your monthly insurance premium.
What you need to know about Georgia auto insurance and driving laws
Drivers in Georgia must move over one lane if emergency vehicles are parked on the shoulder of the highway with flashing lights under the Move-Over Law. Under the law, drivers are required to slow down below the posted speed limit if traffic is too heavy to move over safely. A violation of this law is a moving violation, which can result in points on a driver’s record and a fine up to $500.
It is the responsibility of the Georgia Department of Driver Services to issue driver licenses and permits, while the GA Department of Revenue handles registrations, license plates, and title certificates. In order to register a car in Georgia, owners must provide proof of insurance.
Unless in an emergency or when fully parked, drivers are forbidden from texting while driving in Georgia. It is prohibited for drivers under the age of 18 to use wireless devices while driving. This includes cell phones, computers, and texting devices. A conviction carries a $150 fine.
Georgia’s Minimum Auto Insurance Coverage
According to Georgia law, all drivers must carry the following minimum auto insurance coverages:
Liability for bodily injury: $25,000 per person and $50,000 per accident
Liability for property damage: $25,000 per incident
Injuries from uninsured motorists: $25,000 per individual and $50,000 per accident
Damage caused by an uninsured motorist: $25,000 with a $250, $500, or $1000 deductible
As healthcare and auto repair costs rise, your GEICO insurance agent may recommend higher liability limits to protect your finances. Talk to a licensed agent if you’re unsure of the right coverage levels.
Teen Driver Laws in Georgia
After passing a written test, 15-year-olds can get an instructional permit in Georgia, which allows them to drive only with a licensed driver over 21.
If you are between the ages of 16 and 18 and have held an instructional permit for 1 year and 1 day, met the requirements of “Joshua’s Law” and pass a driving test, then you can attain an intermediate (Class D) driver’s license in Georgia. However, during the first six months, only immediate family members are allowed in the car; after that, one non-family member aged 21 or under may accompany you. After twelve months, three passengers under 21 who aren’t family members can join you on your travels. It is also important to note that no driving between 12:00 midnight and 6:00 AM is allowed with this license type.
As of January 1, 2007, Georgia has enforced ‘Joshua’s Law’ (Senate Bill 226) which means that all sixteen-year-olds who would like to obtain a Class D (intermediate) driver’s license have to complete an accredited driving course plus 40 hours of supervised driving, 6 of which must be conducted at night with a parent or guardian’s authentication. Those aged seventeen are unchained from the driver education condition but still have to abide by the same observed driving requirement and endorse it in the same way.
If a driver is 18 years old and has not had major traffic convictions in the previous 12 months, they can apply for a Class C full driver’s license. Anyone under 18 who withdraws from school, has 10 unexcused absences, or has any conduct infractions cannot obtain a Georgia driver’s permit or license.
Registration Information for Georgia
The Georgia Tax Commissioner’s Office in the county in Georgia in which you reside is required to register your vehicles and issue Georgia certificates of title within thirty (30) days of establishing residency in this state. Georgia certificates of title are generally required for vehicles built after 1986.
Most county tax commissioners’ offices in this state require new residents to appear in person at their office with the following documents:
To apply in person, you must present a valid Georgia driver’s license or state-issued identification card.
A completed and signed MV-1 tag and title application in the vehicle owner’s full legal name.
When your vehicle is a 1986 or newer year model vehicle registered in a state or country that does not issue titles for vehicles of this type and/or year model, you will need an original valid out-of-state title; manufacturer’s statement of origin; or registration from a non-title state.
In order to register a vehicle that is ineligible for a Georgia title, i.e. a 1963-1985 model year vehicle, a completed and signed T-22B Certification of Inspection form must accompany the registration application. When applying for Georgia title for 1986 or newer year models that are supported by a non-title registration, this form is also needed.
Before a tag can be issued, renewed, replaced or transferred, your vehicle must be covered by Georgia liability insurance.
When required by your county of residence, provide proof that your vehicle has passed an emission inspection.
Taxes and fees must be paid in cash, check, or money order payable to the Office of the Tax Commissioner.
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