Cheapest Liability Car Insurance in Georgia (2026)
Georgia drivers can find the cheapest liability-only car insurance from Auto-Owners, with rates at $89 per month.
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Sarah ArchambaultInsurance Writer, Editor
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Edited byMatthew Gross
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
What is liability car insurance?
Liability car insurance helps pay for damage and injuries you cause to others in a car accident. Like most states, Georgia requires drivers to have a minimum amount of liability coverage to make sure they can pay for medical bills and repair costs.
You only need liability coverage to legally operate a vehicle in the Peach State. But liability insurance doesn’t cover your injuries or vehicle damage. Liability-only insurance is usually the most affordable option. But drivers who want more financial protection can choose full coverage when shopping for the best car insurance in Georgia.
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Cheapest liability car insurance in Georgia
The average cost of Georgia car insurance is $199 per month. Liability coverage costs an average of $158 per month, and full coverage averages $239.
Many factors affect how much you pay for car insurance, like your driving history, age, and ZIP code.
The table below shows the cheapest Georgia car insurance rates, according to Insurify data.
The below rates in Georgia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $89 |
| State Farm | $96 |
| Mile Auto | $96 |
| COUNTRY Financial | $97 |
| Allstate | $105 |
| USAA | $112 |
| Progressive | $133 |
| Mercury | $144 |
| Root | $154 |
| Bristol West | $166 |
| GAINSCO | $169 |
| Direct Auto | $178 |
| GEICO | $183 |
| Clearcover | $193 |
| AssuranceAmerica | $193 |
| National General | $196 |
| Safeco | $197 |
| Trexis One | $201 |
| Mendota | $203 |
| The General | $206 |
| Insurify Car | $214 |
| Excepsure | $218 |
| Trexis | $222 |
| First Acceptance | $229 |
| Nationwide | $231 |
| Infinity | $243 |
| Hugo | $310 |
| Liberty Mutual | $380 |
Disclaimer: Table data is based on real-time Georgia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Minimum liability car insurance requirements in Georgia
Georgia requires drivers to have a minimum amount of liability car insurance — both bodily injury liability and property damage liability. Bodily injury liability covers the other driver’s and their passengers’ medical expenses. Property damage liability pays for the other driver’s vehicle repairs.
In Georgia, you need to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage. You also need at least $25,000 of property damage liability coverage.[1]
The coverage limit you choose determines the maximum your insurer will pay. You could have to pay out of pocket if a claim exceeds your coverage limits. Liability-only coverage also won’t pay to repair your vehicle or cover your medical bills.
Coverage Type | Minimum Requirement in Georgia |
|---|---|
| Bodily liability insurance | $25,000 per person / $50,000 per accident |
| Property damage liability insurance | $25,000 |
Is minimum liability coverage enough in Georgia?
Minimum liability coverage may not be enough car insurance for every Georgia driver. When you cause an accident in Georgia, minimum liability insurance covers only injuries and damages you cause to others.
If you want help covering the damage to your vehicle and your injuries, you need full-coverage car insurance. Full coverage includes collision and comprehensive insurance. Collision and comprehensive coverage provide financial protection if someone steals your vehicle or severe weather damages it.
For extra coverage, Georgia drivers may want to consider additional car insurance coverage. Here are some situations where you may want additional protection.
You own a newer vehicle. It generally costs more to repair or replace newer vehicles than used cars. Full coverage helps protect you from costly damage.
You financed your vehicle. If you lease or finance your car, your lender may require you to have full-coverage auto insurance. Full coverage protects the lender’s investment from accidents and non-collision events, like fire or theft.
You want coverage from uninsured/underinsured drivers. Uninsured/underinsured motorist (UM/UIM) coverage offers financial protection for injuries and damages when an underinsured or uninsured driver hits you.
You want coverage for injuries. Medical payments (MedPay) or personal injury protection (PIP) help pay for medical expenses or funeral costs after an accident, regardless of who was at fault.
Penalties for driving without liability insurance in Georgia
Driving without liability insurance in Georgia is illegal. You could face severe consequences like license suspension and fines. Depending on the circumstances, drivers without minimum liability coverage could face fines of $200–$1,000 and up to one year in jail.[2]
Offense | License and Registration Suspension | Fees |
|---|---|---|
| First offense | 60-day registration suspension | $25 lapse fee, plus a $60 registration reinstatement fee |
| Second offense | 90-day license and registration suspension | $25 lapse fee, plus a $60 registration reinstatement fee |
| Third offense | Six-month license and registration suspension | $25 lapse fee, plus a $160 registration reinstatement fee |
How to find cheap liability car insurance in Georgia
The average cost of Georgia liability car insurance is higher than the national average. Georgia’s high rates are partly due to the state’s high rate of uninsured drivers. But you can still find cheap liability car insurance in Georgia.
Below are strategies to help you lower your car insurance costs:
Ask about discounts. Insurers typically offer a variety of car insurance discounts. Ask your insurer about available discounts. Common discounts include bundling homeowners and auto insurance, safe driver, good student, and multi-vehicle discounts.
Adjust your deductible. A higher deductible could lower your rate. But you’ll pay more out of pocket when filing a claim.
Maintain good credit. Improving your credit can decrease your rates. Maintain good credit by paying bills on time, keeping debt low, and only applying for new credit when absolutely necessary.
Consider last resort coverage. High-risk drivers in Georgia who don’t qualify for standard liability insurance may be able to get insurance through the Georgia Automobile Insurance Plan.[3]
Shop around. To find the lowest rate, compare Georgia auto insurance rates from at least three different insurers every six months.
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Liability car insurance in Georgia FAQs
Before buying liability car insurance in Georgia, consider the answers to these common questions.
How much is liability insurance in Georgia?
Liability insurance in Georgia costs an average of $158 per month, according to Insurify data. Your exact rate will depend on many factors, including your age, driving record, ZIP code, and vehicle type.
Which companies have the cheapest car insurance in Georgia?
Auto-Owners, State Farm, and Mile Auto have the cheapest car insurance in Georgia. But these insurers may not be the cheapest for every driver.
How can you save money on car insurance in Georgia?
To save money on car insurance in Georgia, shop around and compare rates from different insurers. Comparing rates can help you make sure you have the best price for your coverage. You can ask your insurer about discounts, increase your deductible, or sign up for usage-based car insurance.
Is state-minimum coverage in Georgia enough for most drivers?
Typically no. Georgia’s state-minimum coverage limits aren’t usually enough to cover costs after a serious accident. Medical bills and repair costs can quickly exceed the state’s 25/50/25 minimum limits. Consider a full-coverage insurance policy for added protection, especially if you drive a newer car or finance your vehicle.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Office of the Insurance and Safety Fire Commissioner. "Auto Insurance."
- Georgia Department of Revenue. "Motor Vehicles Fees, Fines, and Penalties."
- AIPSO. "https://www.aipso.com/Plan-Sites/Georgia."
)
Sarah ArchambaultInsurance Writer, Editor
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Featured in
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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