Car Insurance In Georgia

How Much Does Car Insurance In Georgia Cost?

Minimum liability car insurance coverage in Georgia costs an average of $661 per year.

If there are no at-fault accidents, speeding or DUI offenses on your record, you can save up to 37% on your car insurance.

Age, location, driving record, credit history and several other factors affect the amount of your car insurance premium.

Auto Insurance Quotes In Georgia With Fred Loya Insurance

Looking for cheap car insurance in Georgia that combines a customized approach with great rates? At Fred Loya Insurance we provide complete transparency and work with your needs and budget to create a policy that works for you.

We offer numerous benefits, from mobile alerts and flexible payment options to a complementary rental car while yours is in the shop.

Ask our agents about our discounts so you can lock in the best rate!

Georgia Minimum Car Insurance Requirements

Coverage	Requirements
Bodily Injury Liability	Bodily Injury Liability covers expenses related to bodily injury or death when you are found at-fault in an accident. The minimum insurance is $25,000 for one person and $50,000 for more than one person.
Property Damage Liability	Property Damage Liability covers damage expenses for vehicles and structures when you cause an accident. The minimum insurance is $25,000 per accident.

Georgia Car Insurance Laws And Regulations

Georgia Driver’s License Process

Class CP Instructional Permit

If you are between 15 and 18 years old, you can apply for a Class CP instructional permit. This is the first step in Georgia’s Teenage & Adult Driver Responsibility Act (TADRA) program (referred to as Joshua’s Law).

To apply for a Class CP instructional permit, you need to:

• Submit the necessary documentation, including your social security number, proof of U.S. citizenship, Georgia residential address and education
• Pass both a vison exam and written exam

The class CP instructional permit is valid for two years. It allows you to practice driving under the supervision of an adult who is 21+ and is a licensed driver.

Class D Provisional (Teen) Driver’s License

You can apply for a Class D provisional (teen) driver’s license if you are between 16 and 18. It is the second stage of TADRA program. You can drive without supervision but must follow strict requirements.

• Complete a driver’s education course
• Have your instruction permit for a minimum of one year
• Complete an Alcohol and Drug Awareness Program (ADAP) course
• Pass a vision test

Your provisional license is valid for five years and expires on your birthday. When you are 18, you should switch it to a Class C full adult driver’s license.

Class C Full (Adult) Driver’s License

You can apply for a Class C full driver’s license if you are 18+ and:

• Have never had a license
• Want to upgrade from a provisional license

If this is your first license, you must:

• Present certificate of driving practice
• Pass a vision exam
• Pass a written exam if you have not had an instructional permit
• Pass a driving exam

To upgrade from your Class D teen license, visit the Georgia Department of Driver Services (DDS) and follow the steps described.

Driving Without Insurance In Georgia

Auto insurance is mandatory in the state of Georgia. If your car insurance is expired or terminated, your insurance company will send an electronic notification to the DDS. You have 30 days to renew your policy to avoid a lapse in coverage

If you experience a lapse in coverage you will face various penalties based on the offense.

First Offense:

• Lapse fee: $25
• Reinstatement fee: $60
• Suspension of driver’s license and registration for 60 days
• Up to one year in prison

Second Offense:

• Lapse fee: $25
• Reinstatement fee: $60
• Suspension of driver’s license and registration for 90 days
• Up to one year in prison

Third and Subsequent Offenses:

• Lapse fee: $25
• Reinstatement fee: $160
• Suspension of driver’s license and registration for six months
• Up to one year in prison

Georgia Teen Driving Laws

Teen driving laws in Georgia aim to protect the lives of young drivers and teach them about safe driving practices.

If you have your provisional license, you should stick to the following restrictions:

• No driving between midnight and 5 a.m. for your first six months
• No transporting more than one passenger younger than 21 in the following six months, except immediate family members
• No transporting more than three passengers who are younger than 21 after the first year unless they are family members

Georgia Seat Belt Laws

In Georgia, all drivers and front seat passengers are required to wear a seat belt. Children under 8 years old are required to ride in a booster seat.

Seat belt fines range from $25 to $100 depending on the offense.

Georgia Distracted Driving

The state of Georgia has very strict laws against distracted driving to provide safety for drivers, passengers and pedestrians alike.

Texting while driving is against the law. You are not permitted to read, write, send messages, watch emails or use the internet while driving.

If you use an earpiece or voice-operated technology, you can talk on your cell phone.

The penalties for distracted driving vary, based on the offense.

• First offense: a fine of $50 and one demerit point
• Second offense: a fine of $100 and two demerit points
• Third offense: a fine of $150 and three demerit points

Exceptions to distracted driving restrictions extend to:

• Reporting medical emergencies, traffic accidents, criminal activities or road hazards
• Responding to an emergency by public utility workers or contractors
• Official duties by law enforcement, firefighters and more

*All information was gathered from official state websites and is accurate as of November 1, 2021.