By Veronica Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
- What Is Liability Insurance in Georgia?
- Is general liability insurance required by law in Georgia?
- Georgia Liability Insurance: How to Find the Cheapest Rates
- Cost For Liability Only (By City)
- Who Has The Lowest Liability Price? (By City)
- Is Georgia Liability Insurance State Minimum Enough Coverage?
- Should I Upgrade To Full Coverage? Cost By City
- How Do I Know If I'm Required to have more than The Minimum GA Liability Insurance?
- Georgia Liability Insurance for young driver
- How Do I Keep My Georgia Car Insurance Cheap?
- Auto Insurance Discounts to Keep Your Georgia Car Insurance Cheap
- OTHER HELPFUL LINKS FOR GEORGIA INSURANCE NEEDS
- What is Georgia Liability Insurance?
- How can I obtain a Georgia Liability Insurance policy?
- What are the legal requirements for liability insurance in Georgia?
- INSURANCE SERVICES WE OFFER
What Is Liability Insurance in Georgia?
First of all, it’s important to understand what liability insurance is in relation to automobile insurance.
Liability insurance, also known as third party insurance, is crucial in making sure you can pay for damages (bodily damage and property damage) to others, if you are found at fault in an automobile accident.
If you do not have liability insurance in place, and you are the cause of an accident, you will have to pay thousands of dollars out of pocket.
Additionally, if you are not carrying the minimum liability requirements mandated by the state that you live in, you could be penalized if you are pulled over.
Each state has their own unique requirements. You will see the requirements listed as a “split limit.”
The first figure, in the example of the split limit of 25/50/25, stands for $25,000 coverage per person for bodily injury; The 50 is for $50,000 bodily injury coverage per accident/occurrence; and the last 25 is for $25,000 property damage coverage.
Georgia liability insurance requirements are as follows:
| GA Liability Limits | Personal Injury Protection? | Medical Pay? | Uninsured/Underinsured? |
|---|---|---|---|
| 25/50/25 | Not Required | Rejection Form | Rejection Form |
Is general liability insurance required by law in Georgia?
Georgia law requires all drivers to maintain minimum liability insurance coverage for bodily injury and property damage. Ensuring compliance with Georgia’s liability insurance requirements is essential for all drivers. Beyond legal obligations, liability insurance offers financial protection in the event of accidents, covering medical expenses, property damage, and legal costs resulting from liability claims. By understanding and adhering to the state’s mandated minimum coverage levels, drivers can navigate Georgia’s roads with confidence, knowing they are adequately protected and compliant with state regulations. As an auto insurance brokerage, we strive to guide our clients through these requirements, offering tailored policies to meet their needs while ensuring compliance with Georgia law.
Georgia Liability Insurance: How to Find the Cheapest Rates
If you are looking for Georgia car insurance cheap rates, liability only coverage might be the way to go.
First, determine if you insurance needs don’t require full coverage. If that’s the case, then having only the state minimum required coverage, will definitely help keep your premium as low as possible.
By dropping comprehensive and collision coverage, you could potentially lower your monthly payments.
Take a look at how some sample GA liability insurance rates compare to full coverage monthly payments.
| Auto Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| The General | $86 | $145 |
| Progressive Insurance | $88 | $145 |
| Dairyland | $92 | $175 |
| National General | $98 | $152 |
| Mendota Ins. Company | $102 | $180 |
| Geico | $104 | $161 |
| AssuranceAmerica | $109 | $183 |
| USAA | $111 | $170 |
| 21st Century | $117 | $153 |
| Acceptance RTR | $122 | $151 |
| American Family | $123 | $150 |
| State Farm | $125 | $146 |
| Bristol West | $126 | $168 |
| Farmers | $153 | $160 |
Cost For Liability Only (By City)
| City | Price |
| Forest Park | $96.00 |
| Lithia Springs | $97.00 |
| Dunwoody | $107.00 |
| Sandy Springs | $97.00 |
| Acworth | $109.00 |
| Albany | $107.00 |
| Snellville | $90.00 |
| Augusta-Richmond County | $108.00 |
| Statesboro | $100.00 |
| Union City | $89.00 |
| Mableton | $98.00 |
| St. Marys | $100.00 |
| Dublin | $101.00 |
| East Point | $96.00 |
| Smyrna | $104.00 |
| North Decatur | $89.00 |
| Calhoun | $87.00 |
| Brookhaven | $100.00 |
| Hinesville | $100.00 |
| Wilmington Island | $109.00 |
| Kingsland | $97.00 |
| Perry | $100.00 |
| Peachtree City | $87.00 |
| Marietta | $97.00 |
| Conyers | $106.00 |
| Norcross | $93.00 |
| Canton | $100.00 |
| North Druid Hills | $99.00 |
| Martinez | $106.00 |
| Thomasville | $100.00 |
| Stonecrest | $96.00 |
| Chamblee | $91.00 |
| Newnan | $103.00 |
| Savannah | $100.00 |
| Peachtree Corners | $103.00 |
| Carrollton | $103.00 |
| Douglasville | $96.00 |
| Rome | $86.00 |
| Winder | $92.00 |
| South Fulton | $103.00 |
| Candler-McAfee | $109.00 |
| Brunswick | $108.00 |
| Johns Creek | $91.00 |
| Lawrenceville | $88.00 |
| Milledgeville | $103.00 |
| Redan | $87.00 |
| Stockbridge | $97.00 |
| Alpharetta | $106.00 |
| LaGrange | $103.00 |
| Sugar Hill | $88.00 |
Who Has The Lowest Liability Price? (By City)
| City | Price |
| St. Marys | Geico |
| Milledgeville | Progressive |
| Augusta-Richmond County | The General |
| Gainesville | Bristol West |
| Conyers | Progressive |
| Sandy Springs | Progressive |
| McDonough | The General |
| Wilmington Island | Liberty Mutual |
| Dunwoody | Progressive |
| Columbus | Bristol West |
| Milton | Geico |
| North Decatur | The General |
| Athens-Clarke County | The General |
| Warner Robins | The General |
| Savannah | The General |
| Sugar Hill | Progressive |
| Woodstock | The General |
| South Fulton | Progressive |
| Kennesaw | Geico |
| Lithia Springs | The General |
| Peachtree City | Geico |
| Newnan | Progressive |
| Smyrna | Geico |
| Cartersville | Progressive |
| Norcross | Geico |
| Union City | The General |
| Kingsland | Geico |
| Tucker | Bristol West |
| Alpharetta | Progressive |
| Duluth | The General |
| Candler-McAfee | Geico |
| Forest Park | Progressive |
| Decatur | Progressive |
| Atlanta | The General |
| Acworth | Farmers |
| Brookhaven | Geico |
| LaGrange | Geico |
| Griffin | Progressive |
| Statesboro | Progressive |
| Stockbridge | Bristol West |
| Fayetteville | Geico |
| Canton | Geico |
| Redan | Liberty Mutual |
| Johns Creek | The General |
| Hinesville | Geico |
| Mableton | The General |
| East Point | National General |
| Dublin | Geico |
| Chamblee | Progressive |
Is Georgia Liability Insurance State Minimum Enough Coverage?
It is important to consider your specific auto insurance needs before going with the bare minimum required liability insurance in Georgia.
If you are someone who does not drive often, it probably is enough to only carry the minimum liability insurance in Georgia , and you shouldn’t pay for more car insurance than you need.
However, think carefully about the GA liability insurance figures. If you are at fault, and you only have liability insurance at the minimum requirements, than that means you only have $25,000 to cover the injuries for a single person. Perhaps that is enough, but it’s still a gamble, as medical bills are very expensive.
Additionally, you only have $25,000 worth of coverage for property damage. With inflation and high costs of repairing car parts, this is very likely less than what most people pay for a new car nowadays. And who’s to say your accident won’t cause damage to more than one vehicle? It’s all about assessing the risk you are comfortable taking.
| Most Popular Cars/Vehicles on the Road | Average MSRP |
|---|---|
| Honda Accord | $26,120 |
| Honda HR-V | $23,000 |
| Ford Explorer | $40,000 |
| Nissan Rogue | $28,445 |
| Jeep Wrangler | $30,295 |
| Various Medical Costs After a Car Accident | Estimated Associated Costs and Expenses |
|---|---|
| Ambulance and Emergency Services | $200-$2000 |
| Emergency Room | $1500 |
| Testing/Scans | $140-$3000 |
| Surgery | $5000-$100,000 |
| Medication | $500/month |
| Follow Up Doctors Visits | $250/visit |
Should I Upgrade To Full Coverage? Cost By City
| City | Price |
| Chamblee | $166 |
| Stonecrest | $180 |
| South Fulton | $174 |
| Dalton | $147 |
| Statesboro | $147 |
| Kingsland | $150 |
| Stockbridge | $149 |
| Newnan | $170 |
| Carrollton | $147 |
| Tucker | $164 |
| Perry | $152 |
| McDonough | $150 |
| Decatur | $176 |
| Milton | $154 |
| Johns Creek | $161 |
| Sugar Hill | $170 |
| Union City | $175 |
| Douglasville | $179 |
| Gainesville | $154 |
| Candler-McAfee | $170 |
| Acworth | $157 |
| Woodstock | $153 |
| Winder | $175 |
| Albany | $182 |
| Brunswick | $176 |
| Forest Park | $157 |
| Lawrenceville | $152 |
| Griffin | $176 |
| Alpharetta | $158 |
| Norcross | $176 |
| Wilmington Island | $175 |
| Macon-Bibb County | $168 |
| North Druid Hills | $161 |
| Augusta-Richmond County | $172 |
| Atlanta | $167 |
| Columbus | $171 |
| Hinesville | $169 |
| Redan | $159 |
| Peachtree City | $152 |
| Smyrna | $158 |
| Conyers | $146 |
| Valdosta | $170 |
| Martinez | $162 |
| Tifton | $164 |
| Brookhaven | $157 |
| Suwanee | $150 |
| Snellville | $152 |
| Warner Robins | $155 |
| Dublin | $176 |
| Peachtree Corners | $156 |
| Roswell | $160 |
| Calhoun | $156 |
| Americus | $152 |
| North Decatur | $170 |
| Sandy Springs | $156 |
| Pooler | $178 |
| East Point | $161 |
| St. Marys | $173 |
| Fayetteville | $168 |
How Do I Know If I’m Required to have more than The Minimum GA Liability Insurance?
It’s a good idea to make sure you are not in need of additional coverage for your car, before only choosing the minimum state required GA liability insurance.
What additional coverage might you need?
- Full Coverage/Comprehensive and Collision: If you have a newer vehicle, or a vehicle that is being financed, you might want to consider adding comprehensive and collision coverage to your policy. This will help cover property damage to your vehicle regardless of who is at fault. If you have a lienholder, it might not even be optional. Most lienholders require you to have comprehensive and collision (full coverage) and will even have a required deductible.
- Uninsured/Underinsured Motorist Coverage: While the state of Georgia won’t force you to have this coverage, it is highly recommended! This will protect you if someone hits you or causes an accident and they either do not have insurance, or sufficient liability coverage. It also covers you if you are the victim of a hit and run.
- Roadside Assistance: If you are constantly on the road and travel far distances, you might want to think about adding towing coverage or roadside assistance to help in instances such as flat tires, breakdowns on the side of the road, locked out of the car, dead battery, etc.
- Rideshare/Delivery Vehicle: If you use your vehicle for rideshare purposes like uber or lyft, or even food delivery, minimum liability insurance in Georgia might not be enough. If you drive for some of these companies, your insurance company might not even cover you unless you have a proper rideshare endorsement or higher liability limits.
Georgia Liability Insurance for young driver
In Georgia, like in many other states, drivers are required to carry liability insurance coverage. Liability insurance helps cover the costs of injuries and property damage that you may cause to others in an accident.
For young drivers, insurance premiums can be higher due to factors such as their limited driving experience and perceived higher risk. To find affordable liability insurance for a young driver in Georgia, consider the following tips:
- Shop Around: Get quotes from multiple insurance providers to find the best rates. Each insurer may have different criteria for determining premiums.
- Good Student Discounts: Many insurance companies offer discounts for students who maintain good grades. If the young driver is a student, inquire about this discount.
- Defensive Driving Courses: Completing a defensive driving course may qualify the young driver for a discount on insurance premiums.
- Bundle Policies: If the young driver is part of a family, bundling insurance policies (such as auto and home insurance) with the same provider may result in discounts.
- Maintain a Clean Driving Record: Encourage safe driving habits to avoid accidents and traffic violations, as a clean driving record can help keep insurance costs down.
Remember that liability insurance typically consists of two components: bodily injury liability and property damage liability. The state of Georgia has minimum liability coverage requirements, so make sure the insurance policy meets or exceeds those standards.
How Do I Keep My Georgia Car Insurance Cheap?
Are you in a situation where you are required to have more than the liability limits for Georgia?
There are still multiple ways to lower your auto insurance rates.
One of the easiest ways to do so, is by adding discounts! Talk to your insurance agent now. They can help you see what discounts you could potentially be missing out on.
Auto Insurance Discounts to Keep Your Georgia Car Insurance Cheap
| Progressive Auto Insurance Discounts |
|---|
| Advanced Quote |
| Paid in Full |
| Auto Pay |
| Multi Policy |
| Multi Vehicle |
| Married |
| No Accidents or Violations |
| Continuous Insurance |
| Homeowners |
| Military |
| Education Discount |
| Paperless Discount |
| Dairyland Auto Insurance Discounts |
|---|
| Paid in Full |
| Auto Pay |
| Multi Policy |
| Multi Vehicle |
| Married |
| No Accidents or Violations |
| Continuous Insurance |
| Homeowners |
| Military |
| Travelers Auto Insurance Discounts |
|---|
| Paid in Full |
| Auto Pay |
| Multi Policy |
| Multi Vehicle |
| Married |
| No Accidents or Violations |
| Continuous Insurance |
| Homeowners |
OTHER HELPFUL LINKS FOR GEORGIA INSURANCE NEEDS
Frequently Asked Questions about Georgia Liability Insurance
What is Georgia Liability Insurance?
Georgia Liability Insurance is a type of insurance coverage that provides protection against financial losses resulting from legal liabilities, such as bodily injury or property damage, in the state of Georgia.
How can I obtain a Georgia Liability Insurance policy?
To obtain a Georgia Liability Insurance policy, please call us at 1.888.445.2793 to speak with our insurance experts and get a customized quote.
What are the legal requirements for liability insurance in Georgia?
In Georgia, liability insurance is mandatory for all drivers. The minimum liability coverage limits are typically $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.
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Last Updated on by Alexis Karapiperis