Georgia Auto Insurance

Georgia follows a Tort insurance system, which means that whoever is found at-fault in an accident is responsible for covering the damages.

Minimum requirements

The minimum Liability requirements in Georgia are in line with the national averages. You will need 25/50/25 coverage:

• $25,000 per injured passenger in Bodily Injury coverage, but not more than $50,000 for the whole accident;
• $25,000 in Property Damage, to cover repair costs of other vehicles and non-moving objects you may have damaged.

Average premiums

The average Liability premium in Georgia is of $1,850, somewhat higher than the national mean figure of $1,678. We managed to find some major cities that are cheaper to be insured in. Insurance in Atlanta costs $1,471, $1,413 in Augusta, $1,348 in Sandy Springs and $1,329 in Savannah.

Cellphone laws

The Georgia Senate has put a ban on school bus drivers using a mobile phone altogether when transporting passengers under 17, as well as new drivers calling or texting when operating a vehicle.

Teenage driving laws

Georgia uses the Graduated Driver License system, a concept meant to gradually introduce teenagers to driving and minimize the incidence of high-risk situations. Kids may apply for a learner’s permit once they are 15 and, by the time they turn 18, they will be facing several restrictions:

• they must be accompanied by an adult driver in the front seat at all times;
• they may not drive between 12am and 6am;
• they may only carry immediate family members during the first six months and only one non-member during the second six months period.

Penalties for driving uninsured

If you have been convicted of driving without insurance, you will be fined between $200.00 and $1,000.00, may face prison time of up to 12 months and have your driver’s license suspended for 60 or 90 days. You will also pay an insurance lapse fee of $25.00 and a reinstatement fee of $60.00 to renew your license plates.