Georgia Car Insurance: Minimums, Average Cost & High-Risk Options (2026)

Georgia requires drivers to carry at least 25/50/25 liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 in property damage — commonly written as "25/50/25." For how Georgia compares to other states, see our car insurance rates by state guide.

Georgia's 2026 minimum coverage requirements

These limits did not change for 2026. Georgia is an at-fault state.

What minimum coverage actually costs in 2026

Cost estimates for Georgia vary more between sources than most states in this guide: reported averages range from roughly $780 a year for a bare-minimum policy up to $2,909 a year when the estimate includes a more typical driver profile and higher optional limits. GEICO has been reported as the cheapest major carrier for minimum coverage in Georgia, at around $412 a year.

Notably, the jump from minimum coverage to a much higher 100/300/100 liability limit is often surprisingly small in Georgia — frequently just $20-$40 more per month — which makes it worth asking your agent for a higher-limit quote before defaulting to bare minimum, especially if you have assets to protect (see our liability coverage calculator).

Options for high-risk Georgia drivers

Drivers with a DUI, at-fault accident, or lapsed coverage on their record pay significantly more, but Georgia's standard market has more options for high-risk drivers than many states. Auto-Owners has been reported as the cheapest insurer for high-risk Georgia drivers, with average monthly liability premiums around $93 (roughly $1,116/year) — well below what many drivers assume "high-risk" coverage costs. See our guide on car insurance after a DUI for national carrier comparisons, and how bad credit affects your rate if credit history is a factor in your quote.

Frequently asked questions

What is Georgia's minimum car insurance requirement in 2026?+

25/50/25 liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $25,000 in property damage. These limits did not change for 2026.

What is the cheapest car insurance company in Georgia?+

GEICO has been reported as the cheapest major carrier for minimum coverage in Georgia, at around $412 a year, though the cheapest option for any individual driver depends heavily on their specific profile and driving record.

Is Georgia a no-fault or at-fault state?+

Georgia is an at-fault state. The driver who causes an accident is responsible for the other party's injuries and damage through their liability coverage, rather than each driver relying on their own no-fault PIP coverage.

Is it worth buying more than Georgia's minimum coverage?+

Often yes. Because the price difference between Georgia's state minimum and much higher liability limits (like 100/300/100) is frequently only $20-$40 more per month, drivers with any meaningful assets to protect from a lawsuit typically get significant extra protection for a relatively small added cost.