Auto Insurance
Let the Georgia Family Insurance Agency help you understand the types of coverage, premiums, and available discounts to help you make an informed decision and find the best auto insurance policy for your needs. Whether you're a first-time buyer or renewing, here's a quick guide to making the best choice for your needs.
State Minimum Requirments
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Discounts
Liability Coverage
Deductibles
Driving Laws &
Regulations
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Types of Coverage
Georgia drivers must carry minimum liability insurance, but it won't cover your injuries or vehicle damage. Increasing your coverage limits can be a caring choice to enhance protection and provide peace of mind, particularly if you have significant assets or a newer vehicle.
Bodily Injury Liability: 25,000 per person, $50,000 per accident
Property Damage Liability: $25,000 per accident
Uninsured/Underinsured Motorist Coverage (UM/UIM): Optional but highly recommended—covers you if the at-fault driver has no insurance or insufficient coverage.
Comprehensive: Covers non-collision damages (theft, vandalism, weather).
Collision: Covers vehicle damage in any accident, regardless of fault.
Medical Payments: This helps cover medical expenses for you and your passengers after an accident, regardless of fault. This is optional in Georgia.
Roadside Assistance & Rental Car: Covers emergency services and car rental while yours is repaired.
Collision/Comprehensive: Typically ranges from $0 to $2,000. Higher deductibles lower monthly premiums but increase out-of-pocket costs after a claim.
Liability Coverage: Typically has a deductible, but ensures adequate coverage for lawsuits or property damage.
Proof of Insurance: Required by law and can be digital or physical.
SR-22 Insurance: For drivers with suspended licenses due to serious offenses, you may need to file an SR-22 form with the state.
Texting & Driving: Illegal, with fines increasing if involved in an accident.
Seat Belt Law: Georgia law requires all passengers to wear seat belts or face fines.
Drivewise is a telematics-based auto insurance program that tracks your driving habits to provide personalized discounts. Through a mobile app or device in your vehicle, it monitors your driving behavior and rewards safe driving with discounts.
Multi-Policy: Bundling your auto insurance with other policies (such as home insurance) often leads to significant savings.
Safe Driver: If you maintain a clean driving record for a certain number of years, you may qualify for a discount.
Anti-Theft & Low Mileage: Eligible for discounts with anti-theft devices or fewer miles driven.
Student: Full-time students with good grades can often get discounts, as they are statistically less likely to be involved in accidents.
Defensive Driving Course: Completing a defensive driving course could reduce your premium.
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Rates
Rates vary depending on:
Driving History: Clean records lower premiums; accidents or violations will raise rates.
Location: Urban areas like Atlanta see higher rates due to more accidents and theft, while rural areas often have lower premiums.
Credit Score: Insurers often use credit-based insurance scores to determine premiums. Good credit often leads to lower premiums.
Coverage Levels: Higher coverage limits and more comprehensive policies mean higher premiums.