The land of peaches, sweet tea, and civil rights history is also home to an impressive car culture. According to data from a 2021 Statista study, Georgia has over 7 million drivers. The Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute (HLDI) jointly reported in 2022, Georgians traveled 128,871 million miles and suffered 1,797 motor vehicle crash deaths. With so much road activity and accidents, Georgia drivers should take care to select the right auto coverage.
Infinity Insurance Agency, Inc., (IIA) is on a mission to demystify the insurance process in Georgia. Obtaining personal auto insurance is not only part of being a responsible driver but is required by law in Georgia. Personal car insurance can provide you and possibly your passenger's coverage from the financial and legal obligations that could occur in the event of an accident. Georgia auto insurance doesn’t need to be complicated and IIA is here to break down the process.
Auto insurance requirements in Georgia
Before you start searching for auto insurance quotes in Georgia it’s time to brush up on the legal requirements of the Peach State. By law, all drivers must obtain a minimum of liability insurance that meets the following limits:
- Bodily Injury Liability - $25,000 per person and $50,000 per incident
- Property Damage Liability – $25,000 per incident
This type of minimum liability coverage is often represented as a split limit of 25/50/25. Please note that this amount only represents the minimum legal requirement for insurance in Georgia and will only cover third-party injuries and/or damages. It is recommended that drivers explore more robust coverage options depending on their car type, physical location, and driving history.
IIA can offer additional auto insurance coverage ranging from full coverage to uninsured motorist coverage. Some popular additional coverages that IIA offer include:
- Collision - Covers losses associated with vehicle collisions
- Comprehensive - Covers losses associated with damages incurred from falling objects, animal collisions, theft, and vandalism
- Uninsured/Underinsured Motorist Coverage - Covers losses incurred from an accident involving an at-fault uninsured or underinsured driver.
Due to rising costs of health care and auto repair, it can be advantageous to consider full coverage insurance. This type of policy includes liability, collision, and comprehensive insurance.
Driving without proof of insurance in Georgia is not only unwise but can result in hefty fees.
According to the Georgia Department of Revenue below are the penalties for driving without proof of insurance are as follows:
- Initial insurance lapse - $25 fee
- Insurance reinstatement – first offense - $60 fee
- Insurance reinstatement – second offense - $60 fee
- Insurance reinstatement – 2 or more offenses in a 5-year period - $160 fee
Is Georgia considered a no-fault state?
No, Georgia is considered a fault state or ‘tort state,’ meaning that whoever is at fault for an accident will be held responsible for the financial cost of damages and/or injuries sustained. The at-fault party is usually determined through an investigation and/or litigation.
How much does auto insurance cost in Georgia?
Curious about how much auto insurance will cost you in Georgia? Several factors contribute to your coverage rate in the Peach State. Insurance companies will weigh factors like your location, driving history, driver’s age, vehicle type, and credit history to determine your coverage rate. According to Bankrate in November 2024, Georgia drivers do pay slightly higher rates for auto insurance. According to Bankrate as of November 2024, the annual average cost of full and minimum coverage in Georgia is $2,876 and $1,029 respectively, making it slightly more expensive than the national average of $2,458 and $678. However, affordable auto insurance in Georgia is possible.
Working with a trusted agency such as IIA you can optimize ways to save through:
- Good driving discounts
- Bundling policies
- Comparing rates, or
- Raising your deductible
Do you utilize your vehicle for business purposes? Remember if your car is being used to conduct work activities, your personal auto policy might not provide coverage. Discover the breadth of IIA’s commercial coverage options in Georgia.
Why Choose Infinity Insurance Agency?
What makes IIA different? Infinity Insurance Agency, Inc. has a long-standing history of providing quality insurance options. For over 60 years, IIA has supported customers in delivering competitive rates and creative solutions that meet the diverse needs of our customers.
Quality coverage through multiple carriers at a competitive rate
Customized policies through multiple carriers that are easy to understand
A Spanish-bilingual customer support team
Highly trained agents who are familiar with Georgia’s minimum auto insurance requirements
Non-standard insurance options through multiple carriers for SR-22 or non-owners
No matter where you reside in Georgia, IIA is available to help you choose an auto insurance policy. Our team of trusted professionals is well-versed in Georgia’s minimum auto insurance requirements.
IIA is proud to be able to work with Georgia drivers all over the state and can provide insurance options for individuals anywhere in Georgia including:
- Atlanta
- Gainesville
- Smyrna
- Woodstock
- Dalton
- Sandy Springs
- Decatur
Our customers are not just customers, they are our community, and it brings us great pleasure to make a difference in their lives. In Spring 2023 IIA was able to donate to Bagget Elementary located in Powder Springs, GA. This donation gave the school funds to build a permanent cover for their trout hatchery and complete their program of caring for 2,000 small fry trout.