Driving in Georgia means more than knowing the rules of the road — it means protecting yourself, your passengers, and your vehicle with the right auto insurance policy.
Georgia's minimum requirements
State law requires every driver to carry at least:
- $25,000 bodily injury liability per person.
- $50,000 bodily injury liability per accident.
- $25,000 property damage liability.
These minimums rarely cover the real cost of a serious accident. Most experts recommend at least $100,000 / $300,000 / $100,000.
Optional coverages worth considering
- Collision — repairs your car after an accident regardless of fault.
- Comprehensive — theft, vandalism, hail, fallen trees, animal collisions.
- Uninsured / underinsured motorist — protects you when the other driver can't pay.
- Medical payments / PIP — covers medical bills for you and your passengers.
- Roadside assistance & rental reimbursement — small add-ons with big convenience.
How premiums are calculated
Insurers consider your driving record, credit-based insurance score, vehicle make and model, ZIP code, annual mileage, and even your occupation. Two drivers with identical cars can pay very different premiums.
Practical ways to save
- Bundle auto with home or renters insurance.
- Take a defensive-driving course.
- Use telematics / safe-driver programs if you drive carefully.
- Review your policy each renewal — loyalty doesn't always pay.
Why work with an independent agent
At Corita Insurance we represent multiple top-rated carriers, so we compare quotes for you in minutes. We also handle claims advocacy — meaning you call us, not a 1-800 number, when something happens.
Get a free auto quote today — call (470) 738-9384 or request one online.