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georgia car insurance

We can't blame you for having Georgia on your mind (your state is pretty peachy), which is why we try to make the car insurance process as simple as possible for residents of your sweet state. We're sure our affordable auto insurance rates, 24/7 customer service, and award-winning website will soon have you singing that happy tune the Peach State is known for.

Whether you live in Atlanta, Acworth, or somewhere in between, all Georgia residents stand to benefit from our innovative online tools, like Coverage Counselor®, an interactive online guide that helps you tailor your car insurance coverages to your needs. Use our Express Lane® service when you get your free Georgia car insurance quote, and we'll do some of the research for you to make sure you're getting the most accurate price quote possible.

Georgia car insurance discounts from Esurance

Good news, Georgians: we offer a bunch of discounts in Georgia that are ripe for the picking. See if you qualify for these money-savers when you get a quote:

  • Claim-Free discount
  • Good Student discount
  • Defensive Driver discount
  • Fast 5® discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount

Some exclusions may apply. If you already have an Esurance policy, call us at 1-800-ESURANCE (1-800-378-7262) if you have questions about your discounts.

Car insurance coverages in Georgia

Required coverages

Georgia requires its drivers to carry the following liability coverage minimums:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage per accident

Optional coverages

These additional coverages in Georgia can give you added financial protection and peace of mind if you ever need to file a claim:

  • Comprehensive coverage
  • Collision coverage
  • Medical and funeral services coverage
  • Uninsured motorist bodily injury coverage
  • Uninsured motorist property damage coverage
  • Emergency road service coverage
  • CarMatch Rental Coverage®
  • Customized parts and equipment coverage
  • Loan/lease gap coverage

If you have an Esurance policy and have questions regarding your coverages, our customer service reps are here to provide answers at 1-800-ESURANCE (1-800-378-7262). Some exclusions may apply.

Factors that can influence car insurance rates in Georgia

Insurance companies (including Esurance) can take the following factors into account to determine your policy premium:

  • Driving record and claim history
  • Year, make, and model of your car
  • ZIP Code where your vehicle is parked
  • Average annual mileage driven
  • Prior insurance history
  • Number of years you've been licensed
  • Gender, age, and marital status
  • Credit-based insurance score

Georgia facts for drivers

Proof of car insurance

Georgia requires you to carry your insurance policy info card in the car with you whenever you're behind the wheel.

Uninsured drivers in Georgia

A 2011 report from the Insurance Research Council estimated that 16 percent of Georgia drivers were uninsured, which was higher than the national average of 13.8 percent.

Esurance-certified repair shops in Georgia

If you're an Esurance customer and you take your car to a shop in our E-star® network, you can track your repairs online through RepairView® and share them via Facebook (if you're into that). And your repairs will be guaranteed for as long as the car's yours.

Find an E-star repair shop near you.

Related links

Does "full coverage" cover it all?
Find out what so-called full coverage actually covers (and what it doesn't).

Esurance Coverage Counselor®
Get a personalized, customized Georgia policy recommendation in just a couple minutes.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262